What 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 service disruptions. The hosts share Tulett Matthews & Associates succession strategy and provide a checklist of actionable questions every investor should ask their advisory team.

This episode is a must-listen for anyone approaching retirement or depending on a financial advisor for multi-decade guidance. Whether you’re worried about losing continuity, want to avoid the stress of change, or simply want to make sure your hard-earned assets are looked after, you’ll walk away more empowered and better prepared. Tune in to get straightforward advice and ask the right questions before it’s too late.

Key Topics:

● Why advisor succession is a growing concern for investors (0:55)

● The surprising shortage of formal succession plans among Canadian advisors (3:05)

● Average age and retirement timelines for industry professionals (3:26)

● How investor surveys reveal major worries about advisor retirements (3:56)

● What happens when your advisor retires or leaves suddenly (5:30)

● Risks of losing investment philosophy or quality service in transitions (5:59)

● Common reasons advisors don’t create timely succession strategies (6:22)

● The financial, mentoring, and training hurdles to building a strong advisory team (7:00)

● How coasting and semi-retirement can erode client service (8:07)

● Real-life case study: building a multi-decade succession plan at Tulett, Matthews & Associates (8:46)

● Lessons learned from navigating health scares and planning for continuity (10:33)

● Designing a client-centered team: hiring, training, and mentoring next-gen advisors (11:23)

● The importance of consistent investment and planning philosophies (12:24)

● Building a multi-generational advisory firm vs. Solo practitioners (13:07)

● Communicating succession plans proactively with clients (13:15)

● How team processes and departments improve service quality and continuity (14:02)

● Keys to successful transition: early communication, multi-year handoffs, shared philosophy (16:30)

● Must-ask questions for your advisory team about retirement and succession (18:02)

● How to assess your advisor’s plan and protect yourself as a client (18:43)

● The long-term benefits of choosing a firm with a real succession strategy (19:20)

● Quick recap of actionable lessons and advice (20:01)

And much more!

Mentioned in this Episode:

● Tulett,Matthews & Associates

Thanks for Listening!

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How 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 pitfalls by making smarter assumptions.

This episode is ideal for pre-retirees, retirees, and anyone who wants to get ahead of retirement planning. Find out how to calculate your real spending needs, make confident projections, and adjust your strategy with each stage of life. Tune in to get practical advice and clear strategies for a successful and fulfilling retirement.

Key Topics:

● Why retirement spending deserves dedicated attention (1:41)

● Calculating your retirement spend rate - the key to peace of mind (2:55)

● The three phases: Go-Go, Slow-Go and No-Go years explained (4:12)

● What drives up spending in the Go-Go years - travel, home upgrades, gifting (4:39)

● Home maintenance vs. Home upgrades: what to include in your budget (6:05)

● The 1% rule for annual home maintenance - how to apply it (6:40)

● Why attitudes toward homeownership and downsizing keep shifting (8:33)

● Gifting and supporting adult children - new trends and how to plan responsibly (9:18)

● The #1 mistake pre-retirees make: underestimating spending (10:55)

● Lifestyle creep and aspirational spending - how it affects your plan (12:00)

● Why retirement spending often exceeds inflation and what that means for your budget (12:18)

● What changes in the Slow-Go years: health span, routine, and local living (13:02)

● No-Go years: planning for unpredictability and healthcare costs (14:24)

● Assisted living vs. Nursing homes - realistic cost estimates and strategies (16:29)

● Getting detailed: How to build a line-by-line retirement budget (17:44)

● What expenses disappear (mortgage, work, insurance) and what new costs arise (18:32)

● Factoring in large purchases and aspirational spending to avoid shortfalls (20:28)

● How clients feel after using this three-stage budgeting approach (21:01)

● Why rules of thumb like “the 70% rule” often miss the mark (22:07)

● Personal experiences and lessons learned from early planning (23:37)

● Takeaways: Why starting early and revisiting your plan pays off (25:13)

And much more!

Mentioned in this Episode:

● Canadian Retirement: Myths, Realities & Planning Guide

● Pre-Retirement Financial Guide: Ages 50-65

● Retirement Financial Guide: Ages 65+

● Tulett,Matthews & Associates

Thanks for Listening!

Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts.

Follow Tulett,Matthews & Associates on social media: LinkedIn, Facebook, and more!

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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 build wealth. Discover the pivotal roles played by innovators like David Booth, Jack Bogle, and Eugene Fama in shaping the landscape of modern investing.

Along the way, Keith and Marcelo share real-world stories from investors who changed their fates by adopting indexing, plus their own “lightbulb” moments in navigating the shift from active to passive investing.

For listeners feeling lost in the noise of investment advice, Keith and Marcelo offer clear perspective: focus on simplicity, discipline, and a long-term evidence based approach. Their message is a reminder that successful investing isn’t about chasing returns or complicated strategies, it’s about building a confident plan that empowers you to tune out the distractions and stay the course.

Key Topics:

● “Tune Out the Noise” a documentary on the dramatic rise and value of index investing (0.00)

● Why index funds have “taken over” & what sets it apart from active management (3:11)

● Real-life case studies: portfolios in 2004 vs. portfolios today (3:52)

● The shifting habits of new generations of investors (5:03)

● How and why the index fund revolution began in the 1960s–1970s (6:17)

● The “data explosion,” academic research, and the birth of efficient market theory (7:00)

● Overcoming resistance: why “settling for average” actually beats chasing returns (8:01)

● How the first institutional and retail index funds launched (9:23)

● The impact of Jack Bogle, David Booth, and other key figures (9:32)

● Academic breakthroughs: Efficient Market Hypothesis and the power of data (9:40)

● Demonstrating grit: the personal stories of index investing’s pioneers (10:28)

● Dimensional’s early culture and how “shoe-selling morals” influenced business ethics (10:36)

● Surprising backgrounds of industry icons: farming, family hardships, and more (11:34)

● From active investor to passive advocate: why even industry insiders switched sides (14:06)

● What simplicity really looks like in a successful investment portfolio (14:53)

● The importance of low fees, broad diversification, and ignoring the noise (15:47)

● Personal “aha moments”: how Keith and Marcelo embraced index investing (17:50)

● Final takeaways: markets work, costs matter, and diversification is your friend (24:00)

And much more!

Mentioned in this Episode:

● Tune Out the Noise | Documentary Film

● Canadian Wealth Management Is Changing: 4 Trends Investors Can’t Ignore

● Tulett,Matthews & Associates

Thanks for Listening!

Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts.

Follow Tulett,Matthews & Associates on social media: LinkedIn, Facebook, and more!

Follow The Empowered Investor on Facebook,