Shows
The Empowered InvestorEntrepreneurship Through Acquisition with Expert Marc DeeganEntrepreneurship through Acquisition: Buying and Selling Canadian Small BusinessesIn episode, Keith Matthews welcomes Marc Deegan, founder of R33 Ventures and an expert in business valuations and M&A for small to medium-sized enterprises (SMEs). Together, they explore the rapidly growing model of entrepreneurship through acquisition, cover current trends in the Canadian SME marketplace, common challenges, and best practices.Expert Marc Deegan offers a clear, actionable conversation on the realities of buying and selling SMEs in Canada. Learn how to define the right buyer profile, discover what truly drives business valuations, and get the inside...
2026-01-2944 min
The Empowered Investor2025 Market Recap & 2026 OutlookKey Financial Trends of 2025In this episode, Keith Matthews and Lawrence Greenberg reflect on an extraordinary investment year and what it means for disciplined investors heading into 2026. They break down how tariff-driven volatility, sharp drawdowns, and rapid recoveries defined 2025, yet ultimately rewarded those who stayed invested and globally diversified.The conversation explores how Canada and international markets outperformed the U.S., how powerful market rotation reshaped returns, and why chasing forecasts or headlines would have been costly. Keith and Lawrence also address the growing debate around artificial intelligence, offering perspective drawn from past market cycles...
2026-01-1924 min
The Empowered InvestorHuman Capital - 5 Guiding Career Principles with Mark HalloranWhy Human Capital Is Your Most Important Investment: In this episode, host Keith Matthews is joined by Mark Halloran, Co-Founder of Career Lion and expert in professional development, to explore how effective career management is key to optimizing your financial journey. Special guest Mark Halloran breaks down a proven five-part framework for career management that applies to every stage, from early beginnings to executive leadership. This framework highlights the importance of continuous learning, tendering your career, managing up to accelerate growth, building a powerful network, and practicing gratitude to boost workplace fulfillment. This...
2025-12-181h 03
The Empowered InvestorDon't let Your Advisor's Retirement Disrupt YoursWhat happens if your financial advisor retires? Can you be confident your investments and retirement plan will stay on track? Why do so few advisors plan ahead? What should you be asking now to avoid costly surprises later? These are the questions we answer in today’s episode.Hosts Keith Matthews and Lawrence Greenberg dive into a crucial but often overlooked challenge for Canadian investors: advisor succession planning. You’ll get a clear breakdown of why so few advisors have a transition plan in place, what happens when they don’t, and how to protect yourself from servic...
2025-11-0621 min
The Empowered InvestorHow to Calculate your Retirement SpendingHow much money do you really need for retirement? Is your current plan actually aligned with your future spending habits, or are you at risk of falling short? When should you start planning and what are the biggest financial mistakes people make before and after they stop working? These are the questions we answer in today’s episode.Hosts Keith Matthews and Lawrence Greenberg break down the three distinct phases of retirement spending: the “Go-Go” years, the “Slow-Go” years, and the “No-Go” years. You’ll learn how spending patterns evolve, why most people underestimate costs, and how to avoid common...
2025-10-2227 min
The Empowered InvestorThe Index Investing Revolution: Lessons from “Tune out the Noise”Join host Keith Matthews and co-host Marcelo Taboada as they take a fascinating deep dive into the origins and rise of index funds, inspired by the documentary “Tune out the Noise.” In this episode Keith and Marcelo explore how index and passive investing has evolved from a radical idea in the 1960s to today’s gold standard for simplified, cost-effective, and evidence-based portfolio management.Go behind the scenes of “Tune Out the Noise” as they break down how the index fund revolution began in academia, overcame huge resistance from Wall Street, and ultimately changed the way everyday investors...
2025-10-0225 min
The Empowered InvestorCanadian Wealth Management Is Changing: 4 Trends Investors Can’t IgnoreWhat global trends are reshaping the way Canadians invest and plan for their financial future? How can you avoid paying unnecessary fees and take advantage of smarter ways to grow your wealth? What changes are coming in investor protection, and how will they impact your bottom line? These are the questions we answer in today’s episode.Join Keith Matthews and co-host Marcelo Taboada as they break down the four major global trends transforming wealth management: the rise of index funds, the shift toward independent financial firms, the growing importance of retirement planning, and enhanced investor protection an...
2025-09-1121 min
The Empowered InvestorCanadian Retirement: Myths, Realities, and Smart Planning StrategiesWhat does a “comfortable” retirement look like today, and how much do you actually need to fund it? Are you underestimating your spending levels, or overestimating what you can count on from savings & government pensions? Why are so many Canadians feeling less optimistic about retirement than they did 20 years ago? These are the questions we answer in today’s episode.Hosts Keith Matthews and Marcelo Taboada break down new data from Fidelity’s 2025 Retirement Report to show how retirement expectations, lifestyle costs, and income needs have shifted in the last 20 years. You’ll hear a clear, actionable framework...
2025-08-2824 min
The Empowered Investor2025 Mid-Year Investment ReviewMid-Year Review 2025: Markets Weather Geopolitical Storms: In this episode, Keith Matthews and Marcelo Taboada dive into the first half of 2025, unpacking a period marked by global political turbulence, trade wars, and significant market volatility. They review how markets responded to headline-grabbing events like the U.S. and Canadian elections, dramatic tariff announcements, and ongoing geopolitical conflicts, reminding listeners that, despite the noise, portfolios have shown remarkable resilience.As always, their advice is to stay disciplined, diversified, and focused on long-term plans, not the headlines.Key Topics:● 2025’s biggest events: U.S. and Canadian elec...
2025-07-1019 min
Shopify with Milk Bottle ShowEpisode #107: Navigating the European Accessibility Act with Vially.ioIn this episode, Keith Matthews and Andrew Power from Vially discuss the European Accessibility Act. They cover its implications for digital businesses, comparing it to GDPR, and highlighting accessibility's importance for individuals with disabilities. The chat also details affected digital products, compliance steps, legal ramifications, and the societal impact of inclusive digital spaces. Sponsored by:ZapietThe Point of Sale StoreRewind.ioLinks: Milk Bottle on XMilk Bottle LabsMilk Bottle Podcast on AppleMilk Bottle Podcast on SpotifyVially.ioVially InsightVially LinkedIn
2025-07-0820 min
The Empowered InvestorGlobal Investors, Shared Values: A Conversation with David AndrewHost Keith Matthews welcomes David Andrew, founder of Capital Partners in Australia, for a discussion on global trends in independent advice and wealth management. Capital Partners is a leading edge independent Australian wealth management firm under David’s stewardship, Capital Partners was named Best Professional Practice in Australia by the Financial Advice Association of Australia in 2017, 2019 and 2024; the only firm to have received this award more than once. Together, David and Keith break down what Australian, Canadian and global investors have in common, the real-world dangers of conflicted advice, actionable ways to foster trust and transparency, and ho...
2025-07-0347 min
The Empowered InvestorRESP 101: What Every Empowered Parent Needs to KnowWhat exactly is an RESP and how can it be used to fund your child’s post-secondary education? What are the key rules around contributions, grants, and withdrawals? What should you do if your child doesn’t pursue higher education? In today’s episode, Laurence Greenberg and Jackson Matthews break down everything Canadian parents need to know about RESPs — from contribution limits and government grants, to withdrawal strategies and tax-efficient planning. Whether you’re opening your first account or optimizing an existing one, this episode offers clear answers and practical guidance. Don’t miss this essential ov...
2025-05-2218 min
The Empowered InvestorMarket Volatility and Trump's Tariff WarsWhat sparked the most dramatic stock market volatility in recent memory? Why did tariffs suddenly become the centerpiece of U.S. economic policy? How should investors respond when uncertainty hits at lightning speed? We explore all of this—and more—in today’s deep dive on market turmoil triggered by Trump’s sweeping tariff announcements. Keith Matthews and Marcelo Taboada break down the global shockwave of “Liberation Day,” explain how markets and investors reacted, and offer critical lessons on staying invested when storms hit. From VIX surges to record—setting daily returns, they connect the dots between policy, volati...
2025-04-1532 min
The Empowered InvestorEssential Tax Tips to Complete your 2024 Tax ReturnsAre you ready for tax season? Do you know the key deadlines and the essential documents you need to file your 2024 tax return? Have you explored all the deductions and tax relief options available to you? In this episode, Keith Matthews and Andrea LeRoyer guide you through a structured approach to preparing your taxes efficiently. From crucial deadlines to tax-saving opportunities, they cover everything you need to stay compliant and optimize your return. They also discuss major changes for the 2024 tax season, including updates on the capital gains inclusion rate, home flipping rules, and the latest home...
2025-03-2034 min
The Empowered InvestorChasing Trends, Losing Wealth: The Tactical Allocation TrapHave you ever wondered if moving your portfolio allocations around can lead to better returns? To help answer this question, one just needs to look at how tactical asset allocation (TAA) funds have performed over time. Have these TAA funds really helped investors navigate market uncertainty? In today’s episode, Keith and Marcelo break down a compelling new study from Morningstar that examines the long-term performance of tactical asset allocation funds. With a data-driven approach, they discuss how these funds performed over different market cycles, what role predictions play in their effectiveness, and how investors should think ab...
2025-02-2731 min
The Empowered InvestorDoes Money Buy Happiness? With guest Daniel CrosbyWhat role does psychology play in financial decision-making? How can behavioral biases influence your investment success? And what does it truly mean to find purpose and meaning in wealth? Marcelo Taboada welcomes Daniel Crosby, a renowned behavioral finance expert and author. Together, they explore the psychology of investing, how money and happiness intersect, and the core principles behind his latest book, The Soul of Wealth. Join us as we uncover how your mindset impacts financial success, the biggest behavioral biases to avoid, and the philosophical shift needed to make wealth truly meaningful.Thank you for...
2025-02-2045 minThe Empowered InvestorUS-Canada Tariffs, Trade & Investor ImpactWhat happens when unexpected tariffs are imposed on a country? How do they impact businesses, consumers, and the economy at large? And most importantly, what should investors do to navigate uncertainty during times of trade tensions? In this episode, Keith and Marcelo break down the political and economic fallout, exploring the history of tariffs, their impact on trade, and potential consequences for both the Canadian and the U.S. economy. They discuss market reactions, investor strategies, and why this trade dispute could reshape Canada’s economic future, with possible silver linings amidst the economic turbulence. If...
2025-02-0632 minThe Empowered InvestorMaximize your Savings with the Right Investment Accounts in 2025In this episode, Lawrence Greenberg and Jackson Matthews provide a comprehensive guide to the various types of investment accounts available to Canadians. From foundational accounts like TFSAs and RRSPs to specialized options like RESPs and RDSPs, the hosts outline how each account works, who they are best suited for, and common misconceptions. Whether you're saving for retirement, education, or your first home, this episode offers practical insights to maximize your financial strategy in 2025.Thank you for tuning in!Key Topics:Purpose of the episode: Navigating Canadian investment accounts. [00:01:00]Deep dive into Tax-Free Savings Account...
2025-01-2325 minThe Empowered Investor2024 Financial Year in Review and Looking Ahead for 2025What were the key financial trends that shaped 2024? How did the markets perform across various asset classes? And what can investors learn from a decade of market data to position themselves for the future?In this episode, Keith Matthews and Marcelo Taboada provide a comprehensive breakdown of 2024, from asset class returns to geopolitical and economic factors that impacted the markets. Marcelo shares personal milestones from the year, while Keith discusses lessons learned from market trends and the importance of diversification amidst narratives of "U.S. exceptionalism."They also address what the performance of the last...
2025-01-1429 minThe Empowered InvestorBreaking into the Canadian Real Estate MarketHave you ever wondered how to break into the challenging housing market as a first-time homebuyer? What strategies can help you secure your first property when affordability seems out of reach? How can creative financing and renovation techniques transform your homeownership experience?In today’s episode, Keith Matthews and real estate expert Sean Broady from the Broady Windsor Group share insights on navigating today’s real estate landscape. From practical home-buying tips to financing strategies, Sean offers an optimistic perspective on how anyone can enter the market with the right approach.Join us as we expl...
2024-12-1248 min
The Empowered InvestorThematic Investing: Investment Goldmine or Pitfall?Have you ever wondered if investing in emerging trends, like AI or green energy, could give you an edge? Are thematic investments a smart choice for long-term success? What are the potential pitfalls, and how can investors avoid them? In this episode, we explore these questions and more.Keith Matthews and Marcelo Taboada examine the appeal of thematic investing, looking at why it draws investors in and why it may often fall short. They discuss findings from a recent Morningstar report that highlights the returns—and missed returns—associated with thematic strategies, shedding light on how timing and...
2024-11-0824 min
The Empowered InvestorShould you trade on the US Election?Do presidential elections determine the stock market's performance? Is there a difference in returns between Republican and Democrat administrations? In today’s episode, Marcelo Taboada and Jackson Matthews break down the data from past elections and examine the long-term impact—or lack thereof—of political events on the stock market. How does human ingenuity shape market outcomes, and what lessons can investors learn from history?Join Marcelo and Jackson as they dive into key historical periods, such as the Great Depression, World War II, and the COVID-19 pandemic, to explore how markets react in times of crisis and gr...
2024-10-2518 minThe Empowered InvestorThe RDSP Explained: Securing a Financial Future for Canadians with DisabilitiesAre you or a loved one facing the challenges of long-term financial planning with a disability? Wondering how to secure a stable future while navigating government benefits? The Registered Disability Savings Plan (RDSP) could be the answer you’re looking for.Hosts Lawrence Greenberg and Jackson Matthews break down the complexities of the RDSP, explaining how it offers significant government support through income-based grants and bonds, making it a powerful savings tool to help Canadians with disabilities secure their financial future.With tax-deferred growth, matching grants, the ability for multiple family members to contribute and bo...
2024-09-1214 minThe Empowered InvestorMaximizing Disability Tax Credit: Key Insights for CanadiansHave you ever wondered how the Disability Tax Credit (DTC) can assist Canadians with disabilities and their families? What are the challenges involved in applying for this underutilized credit? How can one effectively navigate the application process to maximize benefits? These and more questions will be explored in today’s episode.Host Lawrence Greenberg sits down with Christine Brunsden, CEO of Benefits2, to discuss the Disability Tax Credit—a powerful yet often overlooked resource for Canadians. Christine delves into the intricacies of the DTC, clarifying eligibility requirements, debunking common misconceptions, and revealing the broader benefits it can unlo...
2024-08-2936 min
The Empowered InvestorNavigating Market Volatility and the Lessons from IntelHow should investors react to recent market volatility? What are the lessons from Intel's rise and fall that modern investors can learn from? Is diversification really the key to long-term success?In this episode, Keith and Lawrence dive into the recent bouts of market volatility and share their thoughts on how you can maintain your composure during these turbulent times. They also delve into the cautionary tale of Intel, once a stock market darling of the late 90's, to emphasize the risks of over-concentrated investments in seemingly "can't miss" stocks.Whether you're concerned about recent...
2024-08-1511 minThe Empowered Investor2024 Mid-Year Investment ReviewMid-year review - inflation down, stocks and bonds up: In this episode Keith and Lawrence delve into the 2024 mid-year review, providing a comprehensive overview of year-to-date asset class returns. They elaborate on the strong performance of various asset classes, particularly emphasizing how technology stocks like NVIDIA have propelled the S&P 500's gains. But they remind us of the importance of not chasing returns, and of the importance of maintaining a globally diversified portfolio for long-term performance and for risk management. As they look ahead to the upcoming fall US elections, they advise us that...
2024-08-0621 min
The Empowered InvestorExpert Strategies & Insights for Preparing to Sell your BusinessAre you thinking about selling your business but unsure where to start? Wondering how to maximize its value and attract the right buyers? How can you structure your finances to maximize the value of your business?Tune in as host Keith Matthews and guest Uros Milekic, partner at BDO Canada, explore the critical strategies for enhancing business operations, ensuring accurate financial reporting, and structuring for optimal tax efficiency. Uros also explains the key factors that potential buyers look for and how to position your business to meet those criteria.Whether you're looking to sell in...
2024-06-2743 min
The Empowered InvestorEssential Financial Strategies for Entrepreneurs with Uros Milekic, CPAHow can entrepreneurs effectively plan and accumulate wealth? What role do holding companies and the capital dividend account play?Join host Marcelo Taboada and Uros Milekic from BDO Canada as they dive into key financial strategies for entrepreneurs. Learn how to optimize tax savings, protect assets, and set up holding companies for legal and tax benefits.Discover the pros and cons of taking a salary versus dividends, managing cash flow, and planning for retirement. Uros explains the Capital Dividend Account (CDA) and Refundable Dividend Tax on Hand (RDTOH) for tax-efficient fund distribution, and highlights Individual...
2024-06-131h 15The Empowered InvestorHappy Birthday! The Mutual Fund Structure Turns 100Join us as we celebrate 100 years of mutual fund history, reflecting on how they've helped shape investor access to the markets.Keith and Marcelo discuss the journey of mutual funds (MF) from a niche product created in 1924 to a mainstay in the investment world, examining both the benefits and challenges they present for today's investors.They highlight mutual funds' ability to provide diversified exposure to various markets, easy access to foreign investments, and convenience in buying and selling shares. They also tackle the downsides of mutual funds head-on: high fees, lack of transparency...
2024-05-0925 minThe Empowered Investor2024 Federal Budget – implications of the proposed capital gains inclusion rate increases with guest Gerry Theus CPA, LL.M (Tax)Are you wondering how the proposed 2024 Federal Budget changes might affect your investments? Curious about the implications of the increased capital gains inclusion rates? Want to know the key considerations for financial planning in light of these changes? Today's episode dives deep into these questions and more.Today, Keith is joined by Gerry Theus, a seasoned tax expert, to explore the nuances of the proposed capital gains inclusion rate increases. They will discuss the transition from the old rate to the new, highlight the direct impacts on various investment structures, and unravel strategies to optimize financial outcomes...
2024-04-2934 minThe Empowered InvestorA simple, effective & stress-free way to invest in the stock market with guest Nicolas BérubéWondering how you can simplify your investment strategy without sacrificing returns? How does a straightforward approach to investing lead to financial security? Discover the answers in this episode as we discuss the principles of index investing and the power of keeping it simple.Keith Matthews is joined by Nicolas Bérubé, an award-winning financial journalist and author (of From Zero to Millionaire), to explore the benefits of a stress-free investment strategy. Nicolas shares his journey from being a curious reporter during the financial crisis to becoming a proponent of index investing, highlighting the importance of understanding market beha...
2024-04-1653 minThe Empowered InvestorBeyond Borders: Tax implications for Non-Resident Canadians.Have you ever wondered what happens to your tax obligations when you leave Canada to become a non-resident? What about the complexities of owning property in Canada while living abroad? Are you aware of the intricate tax implications involved in these scenarios?In today’s episode, Marcelo Taboada speaks with Julie Cote from Chaise Bleu. With her extensive experience in taxation and specializing in non-resident Canadians owning property in Canada, Julie sheds light on the often misunderstood and overlooked aspects of taxation for non-residents. This episode is a deep dive into non-residency status, property ownership, and the cr...
2024-02-1543 minThe Empowered InvestorHow Much is Financial Advice Worth?Can you quantify the value of financial advice? How does an advisor enhance your investment returns? What role does behavioral coaching play in your financial success? Dive into these compelling questions in our latest episode of The Empowered Investor. Join us as we explore the intricate relationship between financial advice and investment success, featuring the insightful expertise of Emile Bouchard from Vanguard.In this episode, we delve deep into Vanguard's groundbreaking research on the value of financial advice. Emile Bouchard, a seasoned professional in the financial services industry, shares his insights on how Vanguard's approach to evidence-based...
2024-02-0140 minThe Empowered Investor2023 Financial Year in Review and Looking Ahead for 2024How did the key financial events of 2023 shape the investment landscape? What lessons can investors take from these developments as we move into 2024? Join us in this episode as we delve into these questions and more.Keith Matthews and Lawrence Greenberg offer a comprehensive analysis of 2023, highlighting the performance of different asset classes, the role of major tech firms, and the impact of inflation and central bank policies. They discuss strategies for navigating the markets and how to avoid common investment mistakes, providing valuable insights for investorsThanks for joining us on this journey through...
2024-01-1129 minThe Empowered InvestorBook Review: Same as Ever, by Morgan HouselAre we learning from history or repeating the same patterns in different contexts? How does understanding human behavior enhance our investment strategies? Can the past unlock secrets for future financial success? In this episode, hosts Marcelo Taboada and Jackson Matthews engage in an insightful book review of Morgan Housel's latest work, 'Same as Ever.' This episode not only delves into the book's key themes but also connects these ideas to practical investment strategies and financial planning.Morgan Housel, in 'Same as Ever,' explores the repetitive nature of human behavior through various historical lenses, emphasizing that...
2023-12-2128 minThe Empowered InvestorAn economic soft-landing? Yes, no, maybe...Curious about what a "soft landing" in the economy means? Is the United States on the brink of achieving one amidst current economic challenges? Interested in how such a scenario could affect your investment portfolio?In today’s episode, we dissect the elusive concept of a "soft landing" economically, analyzing the potential for such an outcome in the current U.S. economy. Keith and Marcelo guide you through the implications for investors, discussing historical examples and recent market dynamics. They will share strategies to manage your investments in these uncertain times, emphasizing the vital role of diversification an...
2023-12-0716 minThe Empowered InvestorThe Dividend Trap: How Seeking Stability Might Limit Your ReturnsIn this episode, we dissect the intricate world of dividend investing, breaking down common assumptions and exploring its role within a well-rounded investment strategy. We'll delve into the impact of dividend reinvestment on total returns, the tax advantages of controlling distributions, and the importance of not relying solely on dividend paying stocks for diversification. Our discussion will shed light on the psychological allure of dividends during market volatility and why a broader perspective that includes capital appreciation is crucial for wealth growth.Join Lawrence and Keith as they navigate the complexities of dividends, offering insights...
2023-11-2330 minThe Empowered InvestorInternational Diversification Part 2: Not so crazyIn this episode, we continue our in-depth look at international diversification strategies for Canadians. Building on last week’s conversation, today we ask the burning question: How much should you invest in different global markets - US, International or Emerging Markets? We dive into the nuances of valuations and expected returns adding clarity and confidence in global diversified portfolios. Learn why Canadians should rethink their home bias in investing, especially when our national market constitutes just 3% of the global stock market. We also revisit Vanguard's recommendation that 70% of your equity holdings should be invested outside of Canada. Di...
2023-10-2621 minThe Empowered InvestorWhy Global Diversification is Good for Canadian InvestorsIn today's episode, we highlight the benefits of global diversification for Canadian investors. We highlight actionable strategies for Canadians looking to invest outside their home turf, making the once-challenging access to US and international markets more straightforward and affordable. We start by reviewing the groundbreaking work by Henry Markowitz on modern portfolio theory, illuminating how diversification can help you gain better returns with less volatility. We discuss the Canadian investor tendency towards home bias in investments and discuss the merits of looking beyond national borders. Wrapping up the episode, we point to a recent Vanguard...
2023-10-0529 minThe Empowered InvestorEnemy #1 in Investing…Your Brain!Behavioural Biases and Investment DecisionsHave you ever found yourself blindly following the crowd, even when deep down you knew it wasn’t the right decision? Have you ever wondered if the way your brain thinks is tricking you and influencing your investment choices, sometimes leading you astray?In this episode, we delve into the fascinating world of behavioral biases and their profound impact on investment decisions. Join us on a thought-provoking journey as we explore the hidden survival instincts that drive our actions, often without us even realizing it. Discover why humans may not be...
2023-09-2128 minThe Empowered InvestorTMA Book Review: Psychology of Money by Morgan HouselImproves decision making for all investors.Have you ever wondered whether your financial decisions align with your future goals? Do our emotions play a pivotal role in shaping our financial choices, and influencing our long-term outcomes?Join your hosts Marcelo Taboada, Lawrence Greenberg, and Jackson Matthews as they discuss takeaways from Morgan Housel’s book, Psychology of Money. It’s an incredible personal finance book filled with great concepts and stories that can help improve decision making for all investors.Thank you for tuning in!Key Topics:"Psychology of Money" by M...
2023-09-0729 minThe Empowered InvestorLifestyle Creep: The Silent Threat to Your Retirement PlansLifestyle creep—a subtle increase in expenses as income grows—can have a substantial impact on your financial future. It is a subtle yet powerful force that can silently erode your retirement plans. Ignoring this phenomenon can have serious consequences, potentially downgrading your anticipated lifestyle and derailing your wealth-building goals.Recognizing the importance of aligning yourself with the right financial influences can be a game-changer in successful retirement planning.Join Keith and Marcelo as they dive deep into effective strategies that will help you circumvent the lifestyle creep trap. They’ll shed light on how this p...
2023-08-2419 minThe Empowered InvestorInspired Retirement – Maximizing retirement satisfaction with guest Susan HoganToday, we delve into the art of crafting a rewarding retirement with Susan Hogan, an expert coach specializing in the non-financial aspects of retirement. Susan staunchly believes retirement has the potential to be the happiest phase of one's life, leading her to develop her coaching program, Inspired Retirement, to help retirees uncover their unique paths to a gratifying and purposeful retirement.Inspired Retirement demystifies non-financial retirement planning, offering invaluable insights and support for those on the cusp of retirement and recent retirees alike. It's here that individuals learn to navigate the physical, mental, social, and...
2023-08-1059 minThe Empowered InvestorMid-year investment review: inflation down, resilient economy, stocks up!Mid-year review - inflation down, resilient economy, stocks up: As of now, recession concerns haven't materialized as many had predicted six months to one year ago. In 2023, portfolios are positive so far, with most asset classes having + ytd returns including; bonds, Canadian, US and international stocks. The development and growing influence of artificial intelligence is capturing investors' imaginations, and creating investor enthusiasm. In this episode Marcelo and Keith discuss ytd investment observations that include; why investors should stay clear of investment narratives, why investors should continue investing on a global basis, the performance of growth versus value...
2023-07-2726 minThe Empowered InvestorHow do reverse mortgages work?Many Canadian retirees homeowners are home equity-rich but investment-light.Whether it’s to fund their 20 to 30 years retirement or simply to access money for a project without a monthly repayment obligation, a reverse mortgage can offer an opportunity to unlock that home equity and provide much-needed cash flow. Today we’re joined by experienced independent mortgage broker Morgan Englebretsen to talk about the ins and outs of reverse mortgages and what Canadian homeowners need to know to make an informed decision.In this episode, Morgan and Keith talk about the ideal candidates for a rev...
2023-07-1328 minThe Empowered InvestorUnderstanding Cybersecurity: Education, Prevention, and Response StrategiesWith so much of our lives online, are you aware of the risks you face?Despite only 5-10% of people reporting fraud, the Canadian Anti-Fraud Centre received fraud and cybercrime reports totaling a staggering $530 million in victim losses in 2021. From phishing scams to ransomware and identity theft, the responsibility ends up on us as individuals to ensure we protect ourselves from cyberattacks as far as possible.Today Marcello is joined by cybersecurity expert James Fournier to talk about protecting yourself against cyber threats and what to do if you fall victim. James has been in...
2023-06-2941 minThe Empowered InvestorTake advantage of the new First Home Savings AccountCanada's housing affordability crisis has put the purchase of a home out of reach for many young aspiring homeowners. The government created the first home savings account (FHSA) in response.An FHSA is a vehicle people can use to save for purchasing their first home while receiving a tax deduction on contributions. The money grows tax-free, and you can use it to buy a house without needing to refund the account; unlike the RRSP's Home Buyers' Plan.Keith and Marcelo first spoke about the FHSA when it was announced in June 2022, and today they're coming...
2023-06-0121 minThe Empowered InvestorAn Investor’s Guide to Expected ReturnsWill I have enough money to retire comfortably? Am I on track? Should I be saving more? These are the types of questions clients bring to us daily. We turn to financial planning and modelling into the future using expected returns to answer them.Expected returns estimate the average return that an investment or portfolio should generate over time. Being able to create realistic projections requires starting with appropriately developed expected returns.In this episode, Marcelo and Keith talk about how investors and advisors should use expected returns, what you need to know about how...
2023-05-1928 minThe Empowered InvestorNavigating mortgages and high interest rates with specialist Morgan EnglebretsenWhether you're a first-time home buyer or a seasoned real estate investor, understanding the intricacies of mortgages is a game-changer in your financial journey. Navigating the mortgage journey can be an intimidating experience, and mistakes can have long-lasting consequences. With many potential pitfalls, confusing jargon, and seemingly endless options, proper guidance throughout the mortgage process is invaluable. Today we’re joined by experienced independent mortgage broker Morgan Englebretsen to break down the ins and outs of mortgages, ensuring that you have the knowledge you need to make informed decisions.In this episode, Morgan and Marcelo dis...
2023-05-0452 minThe Empowered InvestorMyths and popular beliefs in personal tax Part 2With Tax Day on the horizon, tax tips, tricks, and hacks are being shared more than ever. From making charitable donations to incorporating and running everything through a company, word on the street is that the wealthy use particular tax strategies to minimize the amount of tax they owe.But while it might be tempting to try them, making the wrong decision about your taxes is an expensive mistake that can cost you many times more than what you would have paid initially.To help make sure you’re on the right tr...
2023-04-2747 minThe Empowered InvestorDebunking 8 common myths and misunderstandings about taxes (Part 1)It’s getting to be that time of the year again— Tax Day is approaching and you start hearing conflicting things from friends and family about what is—and what isn’t—okay when filing your taxes. There’s a lot of misinformation out there about various deductions, loopholes, and write-offs that can get you into hot water if you blindly follow someone else’s bad advice. We’ve all heard people saying the rich don’t pay taxes, and the government is robbing us, or horror stories of being taxed at over 50% once your income is more than $100,000...
2023-04-2056 minThe Empowered Investor2022 Tax Tips – With Life Long ExpertEvery year more complexity is added to the Canadian tax system, making it difficult for taxpayers to keep up to date.Understanding how to properly file your tax return and take advantage of deductions and credits can put more money back in your pocket, which can go a long way in achieving your financial goals. Your tax returns also entitle you to certain social benefits, and appreciating the various requirements can help you avoid costly mistakes.Whether working with a tax professional or filing yourself, there's always something new to learn about taxes. To help...
2023-03-301h 12The Empowered InvestorBuilding Confidence Through Annual Review MeetingsWe’re in the middle of client meeting season at Tulett, Matthews & Associates. Over the years, the way we conduct these meetings has evolved as we incorporate client feedback and continuously work to provide the best wealth management experience possible.At the core, effective client meetings are about transparency and empowering investors with the right level of detail to move forward confidently, with a clear vision of their financial future.In this episode, Marcelo and Keith talk about how the relationship between financial advisors and clients has evolved, the TMA approach to client meetings, the el...
2023-02-1633 minThe Empowered InvestorShould you Die with ZeroWhen you’re intentional in your planning, you’re more likely to get the experiences you want out of life.Curiosity and continuous learning are a big part of our firm’s culture. The team is always sharing ideas, whether through podcasts, research articles, or books. Recently, Marcelo came up with a brilliant idea to take it to the next level, and now we have our own library at Tulett, Matthews & Associates. We’re excited to have this resource for the team and clients.In honour of that, today, we’re doing things differently. In this episo...
2023-02-0229 minThe Empowered InvestorAre rising interest rates a curse or a blessing?Our goal in today's podcast is to add clarity of the impact of rising rates for bond investors. 2022 has been a challenging year for Canadian investors; inflation is higher, interest rates have been going up, bonds are down, and stocks have been volatile. Typically, bonds have sheltered investors in periods of uncertainty. This hasn’t been the case this year.Bonds play an important role in the investing world. They provide income, stability, and diversification to your portfolio. Bond prices are constantly moving according to current conditions and they typically have an inverse relationship with in...
2022-12-1524 minThe Empowered InvestorManaging your Investment Portfolio Through a RecessionFrom media outlets to friends and coworkers, chances are you’ve heard lots of buzz about a recession. The truth is however, that a lot of uncertainty remains, and we can’t predict if or when we will enter a recession.As an Empowered Investor, it’s essential to understand the current economic context and how a recession could impact your investment portfolio. As financial advisors, we are here to help you move forward confidently and today are discussing the looming possibility of a recession and how you can successfully manage your money through uncertain financial times.I...
2022-11-0331 minThe Empowered Investor15 Questions to ask when Choosing a Financial AdvisorChoosing the right advisor or advisory firm takes time.In our last episode, we explored the four criteria for evaluating the value of financial advice: competence, coaching, convenience & continuity. We’re taking it further today and exploring how you can assess the process of hiring an advisor. A good evaluation goes beyond an advisor’s financial performance. A thorough evaluation should give you a sense of their processes, structures, and how they will help you attain your goals. To help you to get the most out of your due diligence, we’re sharing our insights on whi...
2022-10-1336 minThe Empowered InvestorThe 4 Criteria to Evaluate Financial Advice“Price is what you pay, but value is what you get.” - Warren BuffettWhat’s the marker or gauge to value financial advice? How do investors value the benefits they receive when working with an advisor or advisory firm? When working with an investment & planning service provider, so much of the value provided is intangible, making it difficult to quantify. At the same time, it’s crucial to be able to evaluate the service so that you can ensure you’re satisfied with the value you receive.In this episode, Marcelo and Keith expl...
2022-09-2926 min
Shopify with Milk Bottle ShowEpisode #75: Optily & the World of Marketing OptimisationBrendan Hughes is CEO of Optily, a solution for Shopify merchants to manage and optimise advertising across multiple platforms. This episode discusses the complexity of this core part of DTC brand management while Brendan shares his solution. Sponsored by:Synder - Make accounting easy and get 40% off here :)KlaviyoThe Point of Sale StoreRewind.ioLinks: OptilyGet a free copy of our book Optily radio show2PM newsletterKeith Matthews interview on OptilyMilk Bottle on TwitterMilk Bottle Labs
2022-09-0638 minThe Empowered InvestorMoney & Couples – Why you Must Get This Right!Managing your finances as a couple is hard. It’s such a common source of conflict that one in four divorced Canadian couples say that money problems played a key role in their split.Money has so many emotional connections that it’s often tricky to discuss. It’s how we acquire and utilize our resources, and it’s how we take care of the people we love. It’s even more complicated when personal money values don’t align with your partner's.So what do you do when partners’ approaches to money don’t naturally align...
2022-09-0131 minThe Empowered InvestorInflation, Interest Rates and Bond Returns with Sooyeon Mirda CFA, Dimensional Fund Advisors“Market prices contain rich, reliable information about expected returns in the future.”It's an interesting time to be an investor. Uncertainty and volatility are par for the course, inflation rates are higher than we’ve seen in decades, and interest rates are increasing.Today we’re thrilled to be joined by fixed income strategist Sooyeon Mirda of Dimensional Fund Advisors, who has a rare ability to demystify complex subject matter with tremendous clarity. We’ll discuss interest rates, inflation, and great ways Canadian investors can approach the bond market. Sooyeon Mirda is a graduate of...
2022-08-1849 minThe Empowered InvestorThe 5 Ws of Estate Planning with Edmond FhimaLess than 50% of Canadians have a Will in place. Without a valid Will, the government is the decision-maker for the future of your children and your assets.Creating and periodically reviewing your will should be a priority for every Canadian. Whether you have a minor child, hold a simple RRSP or have significant financial holdings, a legal Will ensures that your estate is handled as quickly as possible, in the manner you would prefer.Joining us to talk about creating and executing Wills in Canada is our colleague, Edmond Fhima. Edmond is a licensed financial...
2022-07-2844 minThe Empowered InvestorInflation, Market Volatility and Your PortfolioThe theme for the first half of 2022: Inflation.It’s been an interesting year so far. The country has opened up, and many pandemic restrictions were lifted or eased. At the same time, we feel the lasting effects on the economy and our investments.Nine months ago, most central banks were assuring the public that inflation is transitory, supply will pick up shortly, and equilibrium is on the horizon. That has not been the case.What does this recent stock and bond turbulence mean for you as an investor? Should you adjust your po...
2022-07-1425 minThe Empowered InvestorTax-Free First Home Savings Account (FHSA)Across Canada, increasing housing prices have made home ownership unaffordable for many.Today we’re talking about the recent announcement by the federal government to help more Canadians get into the housing market: the new Tax-Free First Home Savings Account (FHSA) set to be implemented in 2023.The FHSA is the latest in a long list of investment and savings accounts available to Canadians for saving towards home ownership and retirement goals. At its core, this plan attempts to supercharge a young person's ability to save for a down payment. In this episode, Marcelo and...
2022-06-0920 minThe Empowered InvestorSolutions for Canadian Home Property MarketHome affordability is on most Canadian’s mind these days and is a topic that brings mixed emotions depending on whether you own a home or not.In the last decade, housing prices have skyrocketed.Many in the younger generation can’t afford to buy a home while empty nesters are stuck in larger homes as they can’t find suitable homes in their communities to downsize into.How do we start to tackle this issue? What can be done to relieve the pressure, introduce more supply, and give individuals of all income bracke...
2022-05-1951 minThe Empowered InvestorHow To Manage Your Portfolio During Turbulent Times“A portfolio is like a bar of soap. The more you handle it, the smaller it gets.” - Darcy HoweMarkets around the world are turbulent at the moment as inflation and geopolitical conflicts have many investors on edge.It’s human nature to want to take action in the face of instability.So what can you do to secure your future? Should you change your portfolio strategy? Are there new opportunities to take advantage of? Is it better to stay the course?In this episode, Marcelo and Keith talk about how to...
2022-05-0524 minThe Empowered InvestorThe ins and Outs of Preparing Your 2021 Tax ReturnsTax season can be quite a stressful time for many investors. We have dedicated this episode to getting you up to speed on the key areas you should be thinking about as you prepare to file your taxes. To help us dive deep into this topic, we’re joined by our own Hugh Campbell, a longtime Partner at Tulett, Matthews & Associates.Hugh is a Chartered Accountant and he oversees the tax preparation services offered to many of our clients of the firm. He graduated from McGill University with a BSc in Neurobiology & Physiology and later completed a di...
2022-04-2134 minThe Empowered InvestorYour CPP/QPP & OAS BenefitsGovernment pension programs give Canadians a source of reliable retirement income, even if they were unable to consistently save on their own. Despite being reluctantly received when they were first created, most Canadians count on government pensions as a valuable part of their retirement.Depending on where you live and your unique circumstances throughout your life, understanding your pension options can be challenging. Today Keith is joined by his colleague, Edmond Fhima to discuss the Canadian Pension Plan (CPP), Quebec Pension Plan (QPP) and Old Age Security (OAS).Edmond Fhima is a licensed financial planner...
2022-04-0737 minThe Empowered InvestorYou Chase - You Lose!“Past performance is not indicative of future results.”It’s a common phrase that you’ll see on a lot of investment material but its implications are often missed by investors.Chasing performance is what happens when you see a stock or sector performing well or other investors reaping big rewards so you decide to buy in at the high levels. It’s not at all a new phenomenon as there are always stocks with new and exciting stories inducing the fear of missing out. In this episode, Marcelo and Keith explore what chasing pe...
2022-03-2435 minThe Empowered InvestorWar, Conflict & Long-term InvestingAll of us at Tulett, Matthews & Associates are shocked and saddened by the human and emotional toll the conflict is inflicting on the Ukrainian and European populations.With heightened investor anxiety, we have recorded this episode to shed some light on how the stock markets have reacted to past wars and global conflicts and what it might mean for current long-term investors.In this episode, Marcelo and Keith talk about geopolitical risk/shock in investing. When we're facing major geopolitical events, war, health crises, or a recession, many investors' immediate reaction is that we've never...
2022-03-1024 minThe Empowered InvestorThe Wheel of Wellness: 7 Habits of Healthy, Happy People with Heather Martin“There are two topics that will affect your life whether you're interested in them or not: money and health.” - Morgan HouselWhile we’re typically here to provide insights on financial topics, we've realized that our listeners would greatly benefit from a fresh perspective on concepts that are equally as important to their overall wellbeing.Our first episode exploring this angle was with author Andrew Hallam. While the world's noise encourages us to think that more is better and newer is best, Andrew’s message on balance to increase happiness and satisfaction resonated loud and clea...
2022-02-171h 06The Empowered InvestorThe 4% Safe Withdrawal Rule.The 4% Safe Withdrawal Rule was created as a guideline for how much you can withdraw from your portfolio in each year of retirement without running out of money.In an ideal world, following the 4% rule would allow you to plan your retirement cash flows in a way that ensures your investments can support you throughout retirement. But as with all generalizations, the 4% rule comes with both advantages and disadvantages.Today we’re exploring how the 4% rule came to be and whether it’s still valid for Canadian investors in 2022. Keith is joined by his colleague, Lawr...
2022-02-0327 minThe Empowered Investor2021 Year in ReviewIn this episode, Marcelo and Keith review how asset classes performed in 2021. Last year was a unique year in global stock markets. If you look at a chart of stock market performance for 2021, it looks pretty steady. But when you dig a little deeper you’ll see that there was style and leadership turbulence underneath. Coming out of the end of 2020 - a period when you almost couldn’t lose in the market - 2021 was a year that separated the investors who stuck to their well-planned portfolio strategy from those who bought into the narratives and stock stor...
2022-01-2032 minThe Empowered InvestorMaximizing Life Satisfaction and Happiness with Author Andrew HallamAs investment professionals, we focus a lot on saving, investing, and retirement planning. But a successful life is about more than just money, it’s about satisfaction and happiness. Today we’re widening our scope and bringing a sense of purpose to why we work and why we have money. To explore this topic, we’re joined by bestselling author Andrew Hallam who shares his strategies and the research that has been done on how to improve our life satisfaction levels.Andrew Hallam is the international best-selling author of Millionaire Teacher, The Nine Rules of Wealth...
2022-01-061h 14The Empowered InvestorAn Investor Guide to InflationInflation can be an investor’s worst enemy. It has the potential to deteriorate the financial structure you’ve worked so hard to build.By understanding what drives inflation, you can take steps to protect your financial affairs; despite economic uncertainty.In this episode, Marcelo and Keith talk about why the current inflation rates are a problem, how we got here, the big debate on how long these rates will last, implications for you as an investor, and so much more!Key Topics:What you need to know about the current rates of i...
2021-11-1128 minThe Empowered InvestorCustodian Services & Independent Portfolio Management FirmsCustodians provide confidence and a secure network in the world of portfolio management.While a portfolio management (PM) firm is responsible for managing money, portfolios, and other wealth management services, they don’t hold money or client accounts at the firm. That’s where a third-party independent custodian comes in.Today we’re getting the inside scoop from Matthew Pollock on the role of custodians in the financial services world. Matthew is Regional Vice President at National Bank Independent Network; one of two custodians that TMA works with to custody client assets. In this e...
2021-10-2835 minThe Empowered InvestorDeath & Taxes: What you need to know.Without proper financial planning, death can result in a heavy tax burden for the family left behind.Whether we want to think about it or not, every family experiences the sad situation of losing someone dear to their heart. Unfortunately, while coping with their grief, families often find themselves having to deal with a large burden brought on by the management of the estate.As an empowered investor, proper estate planning is crucial. That starts with being aware of the common pitfalls and understanding when to seek help from professionals so you can reduce this...
2021-10-1433 minThe Empowered InvestorDelta variant & investor implicationsEmotions and investing are not a great cocktail.As we head into the last quarter of 2021, there is plenty of uncertainty in the economic environment being fueled by the unpredictable Delta variant. Volatile markets and uncertain consumer trends may have you feeling like you need to jump in and react. Today we’re helping you navigate the current economic climate by looking at what you need to know about the Delta variant and the do's and don’ts for investors.In this episode, Marcelo, Ruben and Keith talk about how the Delta variant has...
2021-09-1626 minThe Empowered InvestorUnderstanding Robo-Advisors: Pros, Cons & DilemmasWith the number of easily accessible robo-advisors on the rise, there has never been an easier time for Canadians to start saving and investing.With as little as $100 per month, you can build diversified portfolios at a relatively low cost which is a very empowering option. In this episode, Marcelo, Lawrence and Keith discuss how Robo-Advisors work, the opportunities and advantages created for Canadian investors, as well as the risks and dilemmas of using these investment platforms. Key Topics:Lawrence’s background and journey into wealth management (1:38)What is a robo-advisor? (4:00)Advantages of...
2021-08-1931 minThe Empowered InvestorNet Worth Boom & InflationIn early 2020, Canadians were worried about how the pandemic would negatively impact their financial affairs. One year later, Canadians are pleasantly surprised to see how well they've done, both in terms of their investments and their home values. In the 1st part of this podcast, Marcelo and Keith dive into the 2021 Credit Suisse Global Wealth Report and share how Canadians are performing in net worth growth relative to the US and other global players. They discuss the key factors that played a role in the increased net worth of Canadians. In the second part...
2021-07-2231 minThe Empowered InvestorFamily & Money with Family Legacy Guide Steve LeglerEvery parent strives to teach their children the right values around money to ensure they will become responsible individuals and be able to secure their future.But how do you start having those conversations with your children? How do you keep them grounded when they’ve grown up with wealth? When should you start talking to them about transitioning your wealth?Whether you’re a business owner, professional, or an executive, the best time to start planning around your family and wealth is now. Author Steve Legler joins us to share his expertise around family dyna...
2021-07-0857 minThe Empowered InvestorNavigating Conflicts of Interest in the Financial Services IndustryThe drive to provide conflict-free advice is at the core of our firm and as we continue with part two of the next generation financial advisor.As an investor, it’s important to learn how to identify and avoid conflicts of interest that may arise in the financial services industry. Its critical because conflicted and biased advice will have a negative impact on your planning/investment outcome and overall client experience. In this episode, Marcelo and Keith talk about what conflicts of interest look like in the financial services world. They share their recommendations on how...
2021-06-1728 minThe Empowered InvestorWealth & Real Estate: Part 3 – Urban & City LivingIn the first two parts of our wealth and real estate series, we looked at residential real estate, specifically the suburbs. Within those episodes, we explored the key things you need to know both from an upsizing and a downsizing perspective.For part three, we’re going in a new direction and talking about urban and city living. Canada has some phenomenal cities and city living is a lifestyle choice that many people are attracted to. Today we’re joined by Christina Miller of Christina Miller Real Estate Group to help us navigate the city real estate mark...
2021-05-1133 minThe Empowered InvestorWealth & Real Estate: Part 2 – Empty Nesting & Downsizing HomesIn part one of our wealth and real estate series, we explored how hard it is for first-time buyers and people looking to upsize to find a home in the current market. For part two, we’re looking at the other side of the equation; people who are ready to downsize.After years of accumulating wealth in their primary residences, downsizers usually fall into two categories: empty nesters and seniors. But while downsizing of course has big financial implications, the emotional aspect also plays a big role in these decisions.Today we’re so fortunate to b...
2021-05-0543 minThe Empowered InvestorThe Ins and Outs of Preparing Your 2020 Tax Return - with Guest Hugh Campbell, CPA, CATax season can be quite a stressful time for many investors. On top of that, with the changes that 2020 brought for a lot of us from working from home, to real estate purchases, and government programs, things may look a little different than usual.We wanted to dedicate this episode to helping you think about the ins and outs of having your income taxes prepared for you. We are joined by our own Hugh Campbell, CPA, CA, CIM a longtime Partner at Tulett, Matthews & Associates.Hugh is not only responsible for legal, accounting and other...
2021-02-2533 minThe Empowered InvestorNavigating Financial Bubbles“What’s going on with GameStop?” From our mothers to our kids, that’s the question that seems to be on everyone’s mind. Meanwhile, as the numerous players try to figure out how to handle that tricky situation, TV, radio, and newspapers are mentioning bubbles more than ever.So how do you know if we're in a financial bubble? What triggers them and then causes a bubble to burst? More importantly, how do you protect yourself? Today we’re going through everything an empowered investor needs to know.On this episode, Marcelo and Keith talk about w...
2021-02-1125 minThe Empowered InvestorWinning Through Evidence-Based Investing (EBI)For the past eleven episodes, I was joined by my co-host, Marcelo Taboada, and we covered the groundwork for becoming an empowered investor and what you need to put in place to have a successful long-term financial outcome.For the next part of the story of the empowered investor, I’ll be joined by my new co-host, Ruben Antoine, Portfolio Manager and Lead Client Advisor at Tulett, Matthews & Associates. Ruben is sharing his personal story as we move deeper into the investment side of things, starting with why we’re passionate about the evidence-based investment approach.On...
2020-09-2430 minThe Empowered InvestorHow an Investment Policy Statement helps you look into the “eyes of a tiger”.One of the most common criticisms we hear about the investment industry is that a lot of investors say things don't feel transparent. To remedy that problem, investment policy statements are becoming more common in the private client world and we believe they're a must-use as they create clarity, transparency, and empowerment.Just as we use maps when we travel to give us a sense of where we're going, we should have a map for how we invest today, tomorrow, and in the future. In the current context with Coronavirus and the economic impact it’s had, an...
2020-08-2733 minThe Empowered InvestorChilling Out: Planning for RetireesIn the last two episodes of our miniseries on planning, we’ve taken a closer look at the importance of the financial plan for achieving your ultimate goal of financial security. We’ve covered the key areas of focus and potential pitfalls from age 25 up to pre-retirement and today we’re turning our attention to retirees.Around 65, most of us enter a transition zone where we go from our maximum earning years and power play years to start collecting the fruits of our labor. Planning at this stage ensures you have the resources in place to chill out an...
2020-08-1345 minThe Empowered InvestorYour Power Play: Planning for 35 to Pre-RetireesFinancial planning is critical in creating a foundation for anyone wishing to become an empowered investor. Each stage of life has a specific set of issues that must be addressed to remain on track with your financial plans and today we’re zooming in on the 35 to 60-year-old age group.During this period, most of us find ourselves extremely busy as we focus on trying to get ahead in our careers while building up our personal lives. This is also when we typically have the highest earnings of our career as we reap the rewards of the ca...
2020-07-3030 minThe Empowered InvestorLaying a Strong Foundation: Planning for 25 to 35 Year OldsNow that you know the key obstacles that can derail you, we’re switching gears and starting to look at the planning and building side of becoming an empowered investor. Today we’re kicking things off with our series on one of the two key roadmaps for the empowered investor, financial planning.Creating a financial plan is an essential step for every investor since it provides a framework and action plan for achieving your future goals. We want to get down to the details so we’re breaking up this topic into age brackets, starting with planning for 25...
2020-07-1628 minThe Empowered InvestorInvestment Pitfall #4: Failing to Diversify ProperlyWhat does it mean to properly diversify an investment portfolio? And why is it so hard for many investors to maintain that proper diversification over long periods?Diversification has become one of those topics everyone talks about, but many investors still aren’t confident that they have good levels of diversification. That’s a big problem since one of the greatest pitfalls of investing is not diversifying properly.Having a properly diversified portfolio is the best defense against the unexpected events that inevitably affect the financial markets. With the pieces in your portfolio fitting together well...
2020-07-0926 minThe Empowered InvestorInvestment Pitfall #3: Chasing Performance and Trying to Outsmart the MarketAs an investor, it’s natural to want to outsmart the market. When you combine that with the discomfort of a volatile market like we are currently experiencing, it’s easy to see why timing the market and chasing performance are so tempting.The noise we spoke about in previous episodes always gets louder when we’re in uncertain times. Friends, family and the media are probably telling you to be reactive and, in the moment, their advice sounds reasonable. This time is different, right?Unfortunately, it’s not. The reactive approach means investors often end up b...
2020-06-2529 minThe Empowered InvestorInvestment Pitfall #2: Building Portfolios Based on PredictionsAs the great economist, John Kenneth Galbraith said, “There are two kinds of forecasters: those who don't know, and those who don't know they don't know.”It’s human nature to be drawn to stories. We all want someone to tell us how things will turn out and throughout history, people have used predictions to gain power. We see the same cycles play out in financial media and services.From journalist predictions aimed at boosting readership and viewership to expert predictions coloured by the ingrained biases that we all have, we're passionate about the fact that f...
2020-06-1138 minThe Empowered InvestorInvestment Pitfall #1: Not Having an Investment PhilosophyOne of the biggest challenges of investing is being able to stop mistakes from occurring. It's one of those areas where the winner can be the person that makes the least mistakes.An investment philosophy that aligns with your goals and personal financial affairs is crucial for achieving financial security. It steers the decision-making process and stipulates how your money will be managed across both good and challenging times.Especially in challenging times like the current pandemic, high levels of noise make it difficult not to be swayed to make adjustments to your portfolio based...
2020-05-2823 minThe Empowered InvestorInvestment Noise: Leads to Traps and Pitfalls for InvestorsLong-term investment success is based on two crucial elements: following winning principles and conquering the obstacles along the way. Today we’re taking a look at the latter.Although the details of investment success look different for every investor, we’re all aiming for the same goal - financial security. Along the journey, there’s one big obstacle that can trip up even an experienced investor. That obstacle is noise.Noise comes from sources we’re exposed to every day and which are often packaged as helpful information. We want to empower you to not only und...
2020-05-1430 minThe Empowered InvestorWelcome to the Empowered InvestorWelcome to the first episode of The Empowered Investor. Today we’re introducing ourselves to you and sharing the foundational principles of the Empowered Investor. Join us on this inspiring journey, hosted by Keith Matthews and Marcelo Taboada.Keith Matthews is the author of The Empowered Investor: A Guide to Building Better Portfolios, and a Partner and licensed Portfolio Manager at Tulett, Matthews & Associates (TMA). Keith left the institutional investment management industry in 1997 to work directly with private investors because he wanted to make a difference. He felt that he could have a positive impact on helping in...
2020-04-1721 min
Shopify with Milk Bottle ShowEpisode #17: Meet Enda The Shopify Kit ManKeith Matthews chats to Enda Regan is an Irish based Customer Support team Lead for Shopify's automation tool - Kit. He's passionate about Shopify and loves Kit which enables busy stores owners to automate tasks so they can focus on growing their online sales. So is Kit a virtual assistant or is it an AI tool? Maybe both. Enda explains.Special Guest: Enda Regan.Sponsored By:The Point of Sale StoreRewind.io
2019-10-3131 min
Shopify with Milk Bottle ShowEpisode #4: Vallerret Photography Gloves - using Shopify to reach a niche marketIn episode 4 of our Milk Bottle Labs podcast, Keith chats with Stine Lyng Jørgensen co-founder of Vallerret Photography Gloves. An idea born under the Northern Lights, Vallerret Photography Gloves allow photographer hands to stay warm and dry while they shoot.
Based in Norway, Vallerret Photography Gloves migrated across from Wordpress and woocommerce to Shopify in June 2018.
Stine chats to Keith about how Vallerret came into being and how she manages their 3 ecommerce stores on the Shopify platform.
This podcast is a great listen for anyone who has wondered how a niche product c...
2019-01-0331 min
Shopify with Milk Bottle ShowEpisode #1: The 'Back Up Guy' - Mike PotterFor our 1st episode, our host Keith Matthews interviews Milke Potter of Rewind.io from his office in Ottowa, Canada.
Mike is the founder of Rewind.io. Rewind gives you control and protection over the cloud apps you use by creating automatic backups allowing you to recover your accounts from any disaster.
While most users now store all data in the cloud, it's an assumption to think everthing is saved. In the case of Shopify, if you make a change such as deleting a product or menu item by accident, it's actually not recoverable. And...
2018-10-1430 min