What exactly is an RESP and how can it be used to fund your child’s post-secondary education? What are the key rules around contributions, grants, and withdrawals? What should you do if your child doesn’t pursue higher education?

In today’s episode, Laurence Greenberg and Jackson Matthews break down everything Canadian parents need to know about RESPs — from contribution limits and government grants, to withdrawal strategies and tax-efficient planning. Whether you’re opening your first account or optimizing an existing one, this episode offers clear answers and practical guidance.

Don’t miss this essential overview that could help you unlock thousands in free education funding and avoid costly RESP mistakes. Tune in and feel more confident managing your child’s future education savings.

Thank you for tuning in!

● Introduction and post-tax season context (0:39)

● What is an RESP? (0:56)

● Contribution rules and lifetime limits (1:35)

● Tax treatment of contributions and growth (1:42)

● RESP grants: CESG, QESI, and CLB (2:25)

● How much you can earn in grants (3:10)

● What qualifies as post-secondary education (4:19)

● What RESP funds can be used for (4:30)

● Family plans vs. individual plans (5:11)

● RESP withdrawal rules and tax treatment (6:00)

● EAP withdrawals and tax planning strategies (6:52)

● Common RESP mistakes (8:51)

● What happens if a child doesn’t go to school (10:24)

● RRSP rollover and penalty tax explanation (11:36)

● Early lump sum contribution strategy (13:12)

● Investing RESP funds over the time horizon (14:26)

● Asset allocation by time horizon (16:15)

● Tips to optimize RESP usage (16:38)

● Importance of early planning and advisor support (17:39)

● Episode closing thoughts (18:00)

And much more!

Mentioned in this Episode:

Tulett, Matthews & Associates

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.

What role do expectations and consumer culture play in shaping our financial well-being? How can we make smarter, long-term decisions that align with a meaningful life rather than short-term gratification? What lessons can we draw from those who’ve found financial independence through simplicity and intentionality? These are just a few of the powerful questions explored in today’s episode.

Marcelo Taboada sits down with acclaimed La Presse journalist Nicolas Bérubé to explore the deeper intersection between money, happiness, and our daily decisions. They examine popular topics from Nicolas’ widely read weekly financial columns, challenging us to think critically about how we spend, save, and define success.

This episode offers grounded wisdom for both younger listeners and seasoned professionals, covering everything from car buying habits and Uber Eats culture to the importance of gratefulness and long-term planning.

Thank you for tuning in!

● Introduction and guest background on Nicolas Bérubé (0:00)

● Nicolas’ early journey into journalism and passion for financial writing (3:50)

● The clarity and communication style that sets Nicolas apart (7:41)

● The origins and purpose of his column “L’argent et le bonheur” (11:32)

● How Canadians are reacting economically and emotionally to the US political climate (15:23)

● Choosing Canadian goods and reflecting on local economic impacts (19:14)

● On gratitude, health, and redefining wealth (23:05)

● The paradox of modern abundance and mental health struggles (26:56)

● Uber Eats, luxury spending, and opportunity cost in everyday life (30:47)

● Personal finance through the lens of real choices and trade-offs (34:38)

● Hedonic vs. eudemonic happiness and the pull of social media (38:29)

● What today’s habits reveal about future financial independence (42:20)

● Creating a meaningful life through intentional daily actions (46:11)

● Lifestyle inflation, children’s expenses, and thoughtful consumption (50:02)

● The power of compound interest and long-term financial vision (53:53)

And much more!

Mentioned in this Episode:

• From Zero to Millionaire by Nicolas Bérubé
• Les millionnaires ne sont pas ceux que vous croyez by Nicolas Bérubé
• La Joie et le Bonheur by Nicolas Bérubé
• Podcast: Maximizing Life Satisfaction and Happiness with Author Andrew Hallam
• Millionaire Teacher by Andrew Hallam
• Tulett, Matthews & Associates

Thanks for Listening!

Be sure to subscribe on Apple, Google,

What sparked the most dramatic stock market volatility in recent memory? Why did tariffs suddenly become the centerpiece of U.S. economic policy? How should investors respond when uncertainty hits at lightning speed? We explore all of this—and more—in today’s deep dive on market turmoil triggered by Trump’s sweeping tariff announcements.

Keith Matthews and Marcelo Taboada break down the global shockwave of “Liberation Day,” explain how markets and investors reacted, and offer critical lessons on staying invested when storms hit. From VIX surges to record—setting daily returns, they connect the dots between policy, volatility, and long-term perspective.

If you’ve ever felt anxious during a market correction - or wondered if “this time is different”—this episode will guide you through the recent market turbulence with evidence-based insight and calm.

Thank you for tuning in!

● Today's show focuses on recent market volatility and U.S. tariff policy (0:55)

● Marcelo introduces the geopolitical backdrop and tariff volatility (1:34)

● Liberation Day and Trump’s tariff announcement explained (2:56)

● Historical impact and global scale of the tariffs (3:30)

● VIX and other measures of market fear during this period (3:48)

● S&P 500 drops 10% in two days after Liberation Day (4:13)

● Market expectations before the announcement were wrong (4:59)

● Global reach and economic shock of the announced tariffs (5:20)

● Canada, EU, Japan, China: Who was affected and how (5:38)

● VIX compared to past crises like COVID and 2008 (6:06)

● How the bond market reacted and its deeper message (6:33)

● Reversal of tariffs and a 90-day pause sparks 9.5% S&P rebound (7:55)

● Lessons on timing the market and importance of staying invested (16:58)

● Performance failures of tactical asset allocation strategies (19:13)

● How markets recover after recessions and bear markets (24:03)

● Evidence-based investment philosophy and long-term planning (28:22)

And much more!

Mentioned in this Episode:

• Dimensional Report: Navigating Market Volatility
• TMA Report: Shifting Allocations is the Wrong Strategy
• Tulett, Matthews & Associates

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