Welcome to Your Life and Money—where financial planning is all about designing a life you love. In this episode, Brad Smith and Tim Borody talk about their Retirement Coaching Program. More than just numbers, this program helps clients explore what retirement really means—personally, emotionally, and practically.

It’s not just about saving enough—it’s about answering the bigger question: What’s next?

In this episode, we dive into three key themes:

• Planning Beyond the Financials: Why traditional retirement planning often misses the mark by focusing solely on money—and how coaching helps you define purpose, identity, and lifestyle after leaving the workforce.
• The Role of Retirement Coaching: How this program supports clients in navigating the emotional and psychological transitions that come with retirement, from redefining identity to setting new goals.
• Designing a Fulfilling Future: Strategies for creating a retirement aligned with your values, whether that means volunteering, starting a new business, spending more time with family, or traveling the world.

Don’t just retire—reimagine your future. Tune in now to learn how.

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.

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 that means for your money.

In this episode, we explore three core themes:

• The Limits of Traditional Investing: Why the classic balanced portfolio often falls short of expectations in today’s volatile markets, and how client experiences frequently diverge from projected returns.
• The Rise of Alternative Assets: How pension funds are using private investments like real estate, debt, and equity to reduce volatility and boost long-term returns—and how these strategies are now accessible to individual investors.
• The Power of Active, Integrated Management: How unified managed accounts (UMAs) combine professional management and alternative asset access to create more flexible, responsive portfolios aligned with your life goals.

Why listen?

This episode offers practical insights into how you can build a more durable, diversified portfolio—without relying solely on public stocks and bonds. It’s an essential listen for anyone seeking greater clarity, confidence, and consistency in their financial plan.

Have questions or want to learn more?

Visit our website to connect, share your feedback, or explore how life-centered planning can work for you.

Tune in today and discover how smarter investing can support the life you truly want to live.