Episodes

Welcome back to Your Life and Money — the podcast that goes beyond the numbers to help you live your best financial life. In this solo episode, host Brad Smith dives into a crucial yet often overlooked topic: the role of alternative investments in building a more resilient and aligned financial strategy. While life-centered planning is always the foundation, Brad explores how evolving markets and investor needs are driving a shift away from traditional models like the 60/40 portfolio—and what t...

Uncertainty may dominate the headlines—but it doesn’t have to dominate your financial decisions. In this insightful episode of Your Life and Money, hosts Brad Smith and Tim Borody dig into the real-world lessons learned from decades of market ups and downs, including recent volatility, and why life-centered planning remains the most effective tool in your financial toolkit. Drawing from real client stories and historical market shocks—from 9/11 to 2025's tariff turbulence—they explore how patie...

Planning for retirement isn’t just about numbers—it’s about building a life you love. In this episode, hosts Brad Smith and Tim Borody explore how financial scorecards can help you gain clarity and confidence in your future. They break down two key tools: The Retirement & Investment Scorecard – A powerful tool to measure financial confidence and identify gaps in understanding. Uses a 1-10 scale to assess confidence in retirement readiness. Helps identify areas where more clarity is needed on...

Welcome to Your Life and Money, where financial planning goes beyond numbers to help you reach your Financial Finish Line—the point where your money serves your life, not the other way around. Join hosts Brad Smith and Tim Borody as they dive into powerful stories of people who have achieved true financial fulfillment by defining their goals and aligning their finances with their values. In this episode, Brad and Tim discuss how financial success isn’t just about wealth—it's about clarity, purp...

It’s that time of year again—tax season! But instead of just scrambling to file your return, what if you could take a proactive approach and use tax planning to your advantage? In this episode of Your Life and Money, host Tim Borody dives into the importance of tax planning as a key pillar of financial success. We’ll cover: The difference between tax season and tax planning—and why it matters How to align your tax strategy with your overall financial plan Smart ways to reduce your tax burden...

What if generosity isn’t just about giving—but about gaining something even greater? In this episode of Your Life and Money, Brad Smith explores how generosity can transform your financial outlook and your life. With co-host Tim Brody under the weather, Brad takes the opportunity for a one-on-one conversation about how aligning your money with your values leads to true financial contentment. Here’s what you’ll learn in this episode: Why generosity is more than just a good deed—it’s a financial...

Welcome to another episode of Your Life and Money! This week, we’re diving into the practical side of financial planning—where your money meets your goals. Are you making the most of your savings options? We’ll break it down with expert insights and real-life strategies to help you make informed decisions. In this episode, we explore: The Five Uses of Money: A tool to align your financial actions with your life values. RSP vs. TFSA: The key differences and why relying solely on RSPs could hur...

Welcome to "Your Life and Money," where we believe financial planning isn’t just about numbers—it’s about living a life aligned with your values. In this kickoff episode for 2025, Brad Smith and Tim Borody reflect on key financial lessons and look ahead to trends, opportunities, and challenges that might shape your year. In this episode, we’ll cover: Why the start of a new year is a great time to reevaluate your financial goals. Insights on navigating market volatility and avoiding “recency ...

As another year comes to a close, join hosts Bradley Smith and Tim Borody in a thought-provoking episode of Your Life and Money. In this special end-of-year conversation, Brad and Tim reflect on 2024’s surprises, lessons, and successes, while setting the stage for an optimistic 2025. Financial planning is not just about numbers—it’s about aligning your money with your values. This year-end wrap-up explores how individuals and families have weathered economic uncertainties and adjusted their fin...

In this episode of Your Life and Money, Brad Smith steps into the studio solo to share a valuable learning experience: How even seasoned financial professionals can be targeted by sophisticated scams. The subtle tactics scammers use to build trust and create urgency. Red flags to watch for when transacting online or in your community. Practical tips to protect your finances and avoid falling victim to fraud. With his personal story and key takeaways, Brad delivers actionable advice in a rel...

In this episode of Your Life and Money, we're diving into an often-overlooked but incredibly important topic in financial planning: contentment. As we approach the end of the year and reflect on what truly matters, Tim Borody takes the reins to explore how aligning your finances with your values can lead to a life filled with more meaning and satisfaction—no matter what stage of life you're in. This episode is all about shifting the focus from traditional financial metrics like ROI to the conce...

Retirement planning is more than just crunching numbers—it’s about aligning your money with your dreams and building a life that feels rich beyond the finances. In this episode of Your Life and Money, hosts Brad Smith and Tim Borody dive into how true financial planning encompasses emotional, social, and physical preparation for retirement. Together, they unpack the latest Fidelity report on Canadians' views on retirement, revealing what really matters for a fulfilling future. Join us as we dis...

Retirement planning has evolved beyond numbers—it’s about aligning money with your life and values. In this episode of Your Life and Money, Brad Smith and Tim Borody explore the changing landscape of retirement, sharing insights from a new report that uncovers Canadians’ shifting attitudes and priorities as they approach this major life transition. Join us as we dive into: The latest findings on Canadians’ retirement outlook and what’s driving a dip in confidence. How rising inflation and int...

Welcome to Your Life and Money! In this episode, we’re diving into the intricate world of mortgages and financial planning with our guest, Julia Bernier, a seasoned mortgage broker. We’ll explore how to align your financial choices with your life goals, helping you make informed decisions in a fluctuating market. Join hosts Brad Smith and Tim Borody as they uncover practical insights from Julia’s journey in the mortgage industry over the past year. Whether you’re a first-time homebuyer or consi...

Are you ready to embark on one of the most important transitions of your life? Welcome to Your Life and Money, where financial planning goes beyond numbers—it's about aligning your money with your life, values, and priorities. In this episode, Brad Smith and Tim Borody dive deep into the emotional and financial complexities of exiting a business and what comes next. Whether you're a business owner preparing for retirement, a company sale, or passing the reins to the next generation, these trans...

Ever wondered how to align your money with your values while planning for life’s biggest transitions? Welcome to Your Life and Money, where we believe financial planning isn’t just about numbers—it’s about your life. Join Brad Smith and Tim Borody as they dive into real stories of people using life-centered financial planning to achieve their goals and live out their dreams. In this episode, we explore the emotional and strategic side of business succession and major life transitions like retir...

Welcome to "Your Life and Money," where financial planning isn't just about numbers—it's about your life. I'm Brad Smith, joined by Tim Borody, and each episode, we share inspiring stories from real people who have achieved their dreams through life-centered planning. In today's episode, we're excited to welcome a special guest, Anneline Breetzke, a successful business owner and a longtime client. In this episode, you'll discover: The power of aligning your money with your values and prioritie...

Ever wondered how to align your financial goals with your life aspirations? Welcome to "Your Life and Money," where we believe financial planning is not just about numbers but about crafting a life you love. Hosted by Brad Smith and Tim Borody, each episode brings you real stories from individuals who have achieved their dreams through life-centered financial planning. In this episode, we are thrilled to have Travis Forman, a key figure in financial planning and portfolio management, joining us...

Welcome to "Your Life and Money," where financial planning is more than just numbers—it's about your life. I'm Brad Smith, joined by Tim Borody, and in this episode, we delve into the often overlooked yet crucial topic of life insurance. Discover how aligning your money with your values can pave the way to achieving your goals and dreams. In This Episode, We Cover: Understanding Life Insurance: Why it's a vital part of your financial plan and how it provides both provision and protection. Rea...

Welcome to "Your Life and Money," where we believe financial planning is not just about numbers, it's about your life. I'm Brad Smith, joined by Tim Borody, and in each episode, we share stories from real people who have used life-centered planning to achieve their goals and dreams. Today, we're diving into the world of risk management and insurance, with a focus on life insurance. Understanding the types of life insurance can be confusing, but we're here to simplify it. In this episode, we exp...

Are you ready to transform your financial journey? In this episode of "Your Life and Money," hosts Brad Smith and Tim Borody dive deep into the art of aligning your finances with your values. We believe that financial planning is not just about numbers—it's about your life. Join us as we share real stories and practical advice to help you achieve your goals and dreams through life-centered planning. Episode Highlights: Decluttering Your Finances: Discover how decluttering your physical space c...

Welcome to "Your Life and Money," where financial planning goes beyond numbers to enrich your life. I'm Brad Smith, joined by Tim Borody. In each episode, we share real-life stories of people who have used life-centered planning to achieve their dreams, alongside actionable advice to help you align your money with your values and priorities. In today's episode, we dive into the concept of return on life and how it can guide major life transitions. We discuss my recent personal experience of mov...

Welcome back to "Your Life and Money," where we delve deep into the intersection of financial planning and personal values. In this episode, we continue our conversation with Christine Tessier as she unpacks the megatrends shaping our economic landscape. In part two of our discussion, we explore how demographic shifts, geopolitical tensions, clean energy initiatives, and the rise of AI and machine learning are impacting investment strategies and financial planning decisions. Christine provides ...

Welcome aboard to "Charting Paths," where we navigate the twists and turns of financial markets with expert guidance. In this special two-part episode, we dive deep into the realm of economic uncertainty and portfolio management with Christine Tessier, the Chief Investment Officer of Harbourfront Wealth Management. In Part 1, we kick off our discussion with an exploration of the current economic landscape, analyzing the contradictory signals and trends shaping market dynamics. From inflation co...