Welcome back to Your Life and Money—where financial planning is about more than just numbers; it’s about designing a life you love. In this episode, Brad Smith and Tim Borody explore a growing trend: the do-it-yourself (DIY) movement in personal finance. With the rise of AI tools and online platforms, it’s easier than ever to manage your own money—but does that mean you should?

This episode dives into the essential conversation around the value of working with professionals in an age of digital convenience. Brad and Tim share real-life stories, professional insights, and compelling research that reveal why sometimes, the best return on investment is the advice you receive—not the product you buy.

In this episode, you’ll discover:

• Why more industries (from real estate to taxes) are pushing DIY options—and what that means for consumers.
• The hidden costs and risks of going it alone with your finances.
• Key insights from FP Canada's recent report on client confidence and peace of mind.
• What real clients say about their experience working with a financial advisor.
• How personal stories, wisdom, and experience offer more value than any AI tool or online calculator.

What’s in it for you?

You’ll walk away with a clearer understanding of the real-world impact of financial advice—from avoiding costly mistakes to gaining the confidence to make life-changing decisions like retiring or relocating. Whether you’re navigating your first big financial move or rethinking your current plan, this episode will help you ask better questions, reflect on your own needs, and make more informed choices.