Welcome to "Your Life And Money," the podcast where we discuss Life Centered Planning and how it can help you get the best life possible with the money you have. Join hosts Tim Borody and Brad Smith as they share stories and provide expert advice on how you can achieve your financial goals and create a life that you love. With a variety of topics and stories, this podcast is perfect for anyone looking to take control of their finances and live life to the fullest. Don't wait, come listen to "Your Life And Money" because life is not a rehearsal.
Managing Through the Poly-Crisis: Behavioral Finance, Private Markets, and True Diversification Ep. 72
Brad Smith is joined in the studio by Teresa Shutt, Chief Investment Officer at Harbourfront Wealth Management, to tackle the psychological and structural challenges facing investors today. Moving past the "gravy train" mentality of recent bull markets, Teresa explores how emotional reactions do far more long-term damage to wealth than market declines. The discussion dives deep into navigating modern "poly-crises"—from sticky inflation and tariff policies to unpredictable bond markets—and details how institutional access to private equity, private debt, infrastructure, and absolute return strategies can shield portfolios while still delivering strong, long-term returns.
Navigating Uncertainty with Institutional Strategies
The Cost of Emotional Reactions: Teresa explains the psychology of "FOMO" and loss aversion, demonstrating why knee-jerk buying at market peaks and selling during pullbacks erodes long-term performance.
Surviving the "Poly-Crisis": Discover how modern geopolitical tensions, persistent inflation, trade tariffs, and government debt cycles have broken traditional 60/40 bond protection, requiring multi-asset resilience.
Institutional Access for Retail Investors: Learn how Harbourfront partners with top-tier global fund managers to give everyday investors access to private equity, private debt, and major infrastructure projects like airport privatizations and data centers.
Building a "Train" Portfolio: Understand why the goal of portfolio management isn't predicting an uncertain future, but constructing an "all-weather" strategy that delivers smooth, reliable outcomes without the nauseating volatility of a roller coaster.
Join Brad and Teresa to discover how shifting your focus from market headlines to true asset diversification can protect your capital and give you total peace of mind.
30 Sept 2026
Portfolio Strategy Shifts: Broadening Markets, Absolute Returns, and Global Diversification Ep. 71
Tim Borody welcomes back Abby Carson, Portfolio Manager with Willoughby Asset Management at Harbourfront Wealth Management, to review public market shifts over the past 12 months. In this episode, Abby shares how market rallies expanded beyond the tech-heavy "Magnificent Seven," why Harbourfront intentionally reduced mega-cap concentration, and how the introduction of an Absolute Return sleeve helps build resilience against market shocks. They also explore valuation opportunities across international and emerging markets, providing a transparent look into how active portfolio construction and due diligence drive long-term client outcomes.
Inside Public Market Construction
The Broadening Market Rally: Abby details how small and mid-cap companies showed up over the past 12 months to outpace broader headline indices, creating a healthier, less concentrated equity environment.
Active Concentration Management: Learn why Harbourfront deliberately scaled back reliance on tech mega-caps, allowing active managers to protect client portfolios during summer market pullbacks.
The Role of Absolute Returns: Discover how non-traditional, multi-manager strategies generate returns regardless of overall market direction by focusing on risk management and market differentials.
Global & Emerging Market Valuations: Understand where global opportunities lie—from European infrastructure and defense to fast-growing emerging markets like India, Mexico, and Taiwan.
Join Tim and Abby to see how active due diligence and institutional-level strategies can safeguard your wealth while keeping your broader financial plan on track.
1 Sept 2026
Keeping the Cottage in the Family: Navigating Taxes, Agreements, and Legacy Ep. 70
Tim Borody and Brad Smith sit down to discuss one of the most emotional and complex secondary assets a family can own: the family cottage. While a recreational property builds decades of cherished memories, passing it down to the next generation without a proper plan can trigger massive capital gains tax liabilities and strained sibling relationships.
Protecting Your Recreational Property
The Emotional & Relationship Risk: Tim and Brad explain why family communication must come first, outlining how unmanaged expectations around usage schedules, maintenance, and unequal financial situations between siblings can destroy relationships.
Drafting a Family Cottage Agreement: Learn the essential elements of a formal written agreement—including usage rotation systems, cost-sharing formulas, buyout provisions, and dispute resolution mechanisms—to eliminate future hostility.
Handling Deemed Dispositions & Tax Bills: Understand how the CRA treats a cottage transfer as a "deemed disposition" at fair market value upon the second parent's death, often creating an immediate six-figure tax bill even if the property is not sold.
Using Permanent Life Insurance as a Solution: Discover how a joint-second-to-die permanent life insurance policy can instantly generate tax-free liquidity upon death, allowing the estate to pay the CRA without forcing a sale of the property.
Don't leave your family legacy to chance. Join Tim and Brad to get practical tips on how to start the conversation early, align your heirs, and keep your cottage in the family for generations to come.
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
65,788
Score snapshot 15 Sept 2025
Podcast Authority Score: 35 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
26
Social presence
0
YouTube
76
Engagement
32
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