The Empowered Investor

If you've ever felt overwhelmed by the sheer volume of choices and voices in the Canadian financial services industry, The Empowered Investor Podcast can transform your investment experience and increase your odds of becoming financially secure – forever. With his simple, straightforward approach, host Keith Matthews cuts through the noise to help you make better decisions and discover the best investment and planning strategies for you and your family. As a portfolio manager and advisor at Tulett, Matthews & Associates, Keith has spent twenty-five years helping investors achieve their financial goals using the same planning and portfolio principles discussed in The Empowered Investor podcast. Always an advocate for investors, Keith has spoken at global conferences, been quoted in many Canadian newspapers and magazines, and recently published the new and revised 4th edition of his book, The Empowered Investor. To learn more about Keith’s client advisory services or to request a complementary copy of the latest edition of The Empowered Investor, please visit www.tma-invest.com

The Empowered Investor is a business podcast hosted by Unknown Host, with 133 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts The Empowered Investor, a business show with 133 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #134

  flow-through shares

  Aug 20, 202647 min

  About This Episode In this episode, Ruben Antoine sits down with Albert Labelle, partner at PearTree Canada , to close out the three-part series on charitable giving with a deep dive into flow-through shares — one of the most powerful and least understood tools in Canadian tax and philanthropic planning. Albert walks through what flow-through shares are, why the Canadian government created them, and how they work both as a tax reduction strategy and as a way to supercharge charitable giving. He explains how an individual in the highest tax bracket can make a $50,000 donation for as little as $1,000 out of pocket — and why this is not a loophole, but an intentional government program designed to support Canada's natural resources sector. The conversation also covers how corporations and holding companies can benefit from flow-through shares, the role of the Capital Dividend Account, and how PearTree has structured transactions to eliminate market risk for investors. A fascinating and eye-opening episode for anyone who pays significant taxes, has philanthropic goals, or both. Happy listening! Key Topics Covered: Introduction to Albert Labelle and PearTree Canada (01:49) What are flow-through shares and how did they originate? (03:14) Why mining companies can't simply use banks or venture capital to finance exploration (07:02) Canada's outsized role in global mining — 60 to 65% of mining companies worldwide are Canadian-based (07:02) How the government expanded flow-through shares to critical minerals with a 30% investment tax credit (09:50) Why oil and gas was excluded from the program in 2023 (09:50) Minerals and metals as the foundation of modern technology — from computers to electric vehicles (11:06) Flow-through shares in other countries — how Canada's program compares (12:08) Flow-through shares representing over 80% of natural resources sector financing in Canada (14:14) The tax mechanics: reducing your effective rate from 53% down to the 37% alternative minimum tax floor (15:32) Who is the ideal candidate? Income profile, income type, and the $350,000 threshold (19:13) Why capital gains income is not well-suited for flow-through share transactions (20:32) How PearTree de-risked the transaction — knowing the buy price and exit price in advance (24:11) The philanthropic power of flow-through shares: making a $50,000 donation for as little as $1,000 (28:33) How flow-through shares combine with donor advised funds for maximum philanthropic impact (31:13) Is this aggressive tax planning or a loophole? Why the answer is neither (34:59) Using flow-through shares through a holding company or CCPC — benefits, differences, and the Capital Dividend Account (38:41) Key takeaways: amplifying generosity, reducing taxes, and letting professionals do the work (43:17) Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett,Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn , and Instagram. Thanks for listening!

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  Episode #132

  Your Money, Your Legacy: How Donor Advised Funds Work

  Jun 25, 202630 min

  The Donor Advised Fund Playbook In this episode, Lawrence Greenberg continues the three-part series on charitable giving in Canada with Part Two: Donor Advised Funds . He's joined by special guest Linda Argalgi, tax accountant and philanthropy advisor at the Jewish Community Foundation (JCF). Linda walks through what a donor advised fund (DAF) is, how it compares to a private foundation, and why this strategy isn't just for the ultra-wealthy. They cover the mechanics of contributing to a DAF, how investment options work, and the key differences in administration, privacy, disbursement flexibility, and legacy planning between a DAF and a private foundation. Lawrence and Linda also discuss real-world planning scenarios — from front-loading donations during a high-income or wealth-creation year, to setting up a fund that honors a donor's wishes for generations to come. A must-listen for anyone curious about more sophisticated, flexible ways to structure their charitable giving. Happy listening! Key Topics Covered: Introduction to Linda Argalgi and her path into philanthropy (00:29) Overview of the Jewish Community Foundation (JCF) (02:52) How donors give to charities through a DAF (04:14) Investment options within a donor advised fund (05:36) Why Canadians are turning to DAFs — and debunking the "only for the ultra-wealthy" myth (07:11) DAF vs. private foundation: who owns the assets? (08:53) Administrative burden: private foundation vs. public foundation fund (10:10) Disbursement quotas and flexibility in timing your giving (11:11) Types of assets you can contribute (cash, securities, real estate, insurance, private shares) (12:55) Privacy differences between private foundations and DAFs (13:41) Legacy planning and naming a fund (14:48) The four steps of how a DAF works, from contribution to grant (17:03) Strategic timing: front-loading donations around a high-income or liquidity event (19:25) Real client example: using a DAF after a real estate sale (22:00) What happens to a DAF when the donor passes away (23:11) Debate: are donor advised funds delaying giving to charities? (25:45) Key takeaways and closing thoughts (27:47) Mentioned in this episode: Linda Argalji, tax accountant and philanthropy advisor Jewish Community Foundation (JCF). Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett,Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn , and Instagram. Thanks for listening!

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  Episode #131

  Give More, Keep More: How to Maximize Your Charitable Impact in Canada

  Jun 11, 202617 min

  Donations 101: A Canadian Guide to Tax-Smart Charitable Giving In this episode, Lawrence Greenberg and Jackson Matthews kick off a three-part series on charitable giving in Canada. Lawrence and Jackson break down the different ways to give, how charitable donations affect your taxes, and how to plan strategically around your giving. They cover everything from the basic cash donation to the more powerful — and often overlooked — strategy of gifting securities in kind, which can generate significant tax savings for both the donor and the charity. They also touch on corporate giving, the Alternative Minimum Tax (AMT), annual donation limits, estate planning opportunities, and offer a preview of two advanced strategies — donor advised funds and flow-through shares — that will be explored in depth in the next two episodes. A must-listen for anyone who wants to be more intentional and tax-efficient with their generosity. Happy listening! Key Topics Covered: Introduction and overview of the three-part series (00:46) Ways to give: time, items, cash, and securities (01:12) How charitable donations affect your taxes — the non-refundable tax credit explained (02:34) Spousal pooling of donation receipts (03:46) Cash donation vs. gifting securities in kind — and why in kind is often more powerful (05:03) Corporate giving from a holding company and the Capital Dividend Account (07:29) The Alternative Minimum Tax (AMT) — a potential roadblock for large donors (08:37) Annual donation limits and the five-year carry-forward rule (10:06) Year of death exception — increasing your limit to 100% of net income (11:39) Preview: Donor Advised Funds explained at a high level (12:53) Preview: Flow-through shares and their tax advantages (14:13) Key takeaways — including why gifting securities in kind is the low-hanging fruit for non-registered account holders (15:04) Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett,Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn , and Instagram. Thanks for listening!

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  Episode #130

  How to Manage the Financial and Emotional Reality of Aging Parents

  May 21, 202656 min

  In this episode of the Empowered Investor Podcast, Marcelo Taboada sits down with financial journalist and CFP professional Beth Pinsker to discuss one of the most overlooked areas of financial planning: caregiving for aging parents. Beth shares the deeply personal story behind her book My Mother’s Money and explains why financial caregiving is about far more than estate planning. The conversation explores the emotional, logistical, and financial realities families face when a parent becomes ill or incapacitated, from powers of attorney and healthcare directives to sibling dynamics, long-term care costs, and difficult end-of-life decisions. Marcelo and Beth also discuss the hidden burden caregiving places on families, why early conversations matter, and the practical steps listeners can take today to protect both their parents and their own future caregivers. Key takeaways • Financial caregiving is more than estate planning. (00:05:09) • Why most families avoid these conversations until it’s too late. (00:06:48) • The importance of powers of attorney and healthcare directives. (00:12:00) • Why having passwords alone is no longer enough. (00:16:33) • How banks can reject outdated or incomplete legal documents. (00:22:40) • Why estate documents should be reviewed regularly after major life changes. (00:24:23) • How family meetings can reduce conflict and confusion later on. (00:25:59) • The emotional and financial burden often falls disproportionately on women. (00:27:46) • How sibling dynamics can complicate caregiving and estate decisions. (00:28:05) • Why communication and transparency are critical within families. (00:30:12) • What families tend to fight over most during estate settlements. (00:33:29) • The true cost of aging and long-term care planning. (00:34:10) • Why traditional retirement planning often ignores late-life care realities. (00:34:34) • How healthcare and caregiving costs can quickly escalate. (00:35:16) • The difficult balance between protecting parents and preserving inheritances. (00:39:06) • Why aging at home is emotionally appealing but not always practical. (00:41:17) • How early conversations with parents can improve financial planning outcomes. (00:42:54) • Why housing decisions become central later in retirement. (00:44:24) • The emotional difficulty of downsizing and leaving the family home. (00:45:05) • How caregiving changed Beth’s perspective on retirement and life priorities. (00:49:22) • The importance of documenting family stories and personal history before it’s too late. (00:48:00) • Why simplifying finances is one of the greatest gifts to future caregivers. (00:52:36) • The benefits of consolidating accounts and reducing financial complexity. (00:53:16) Mentioned in this episode: Beth Pinsker Book: My Mother’s Money Beth Pinsker: MarketWatch MarketWatch Thanks for listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett,Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn , and Instagram.

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  Episode #129

  Run Your Business with Clarity: Operating Systems with Shelby Hacala

  May 7, 20261h 8m

  In this episode, Keith Matthews sits down with Shelby Hacala , Co-Founder of BOS360 , to break down how business operating systems can transform the way companies run and grow. They explore why so many entrepreneurs and aspiring business leaders feel stuck or overwhelmed and how implementing the right structure can bring clarity, accountability, and better execution across teams. Shelby shares practical insights on aligning people, setting clear priorities, and building systems that actually drive results. They also discuss the value of coaching, why discipline matters more than motivation, and how small, consistent improvements can lead to major long-term success. If you’re an entrepreneur or aspiring business leader looking to scale your business with more clarity and control, this episode delivers actionable insights you can apply right away. Key moments: Introduction and overview of business operating systems (00:02:56) Shelby Hacala’s entrepreneurial background (00:03:23) Transition from business owner to coach (00:03:23) Why entrepreneurs often feel overwhelmed (00:18:17) The cost of lacking structure in a business (00:18:17) The core components of a strong operating system (00:18:17) Improving communication and alignment within teams (00:25:35) Creating clarity around roles and responsibilities (00:25:35) The importance of setting clear priorities (“rocks”) (00:40:29) How weekly meetings improve execution and accountability (00:43:57) Problem-solving as an ongoing business discipline (00:40:29) The value of having a coach vs doing it alone (00:16:48) Why discipline beats motivation in business growth (00:16:48) Decision-making speed in entrepreneurial vs large organizations (01:00:41) Shifting from financial success to long-term impact (01:01:34) Thanks for Listening! Mentioned in the Episode Shelby Hacala BOS 360 Traction Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett,Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn , and Instagram.

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