Financial Autonomy
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Financial Autonomy
Plenty of books, podcasts and blogs focus on building wealth – and that's great, as far as it goes. But focusing just on wealth misses the point. I believe what most of us actually want is to have choice. Choice in how much time we give to income-producing activities. Choice about what those inco...
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The Hidden Cost of Every Decision: Understanding Opportunity Cost
In this episode, we dive into the real power of opportunity cost and how it shapes every financial decision — from insurance and investing to lifestyl...
Testamentary Trusts - Novum Law
This week on the Wealth Builder podcast Nick talks to Sheredyn Legg and Stephen Fries about testamentary trusts and who they might be good for.
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How To Get $100k Per Year In Retirement - Tax Free
Earning $100,000 a year in retirement — tax free — might sound too good to be true, but Australia's superannuation system makes it possible with the r...
8 Steps to Building Financial Security in your 30s
This week on the Wealth Builder podcast Nick talks to Guidance team member Brenden Butler about ways to build financial security in your thirties.
Should I convert my Super to a Pension?
It's one of the most common questions in retirement planning — when is the right time to move your super into the pension phase?
In this episode...
Estate Planning Basics
This week on the Wealth Builder podcast Nick talks to solicitors Sheredyn Legg and Stephen Fries about the basics of estate planning.
We'd love...
The Real Deal on Rates and Inflation
An understanding of the concept known as "real return" is worth getting your head around. Without it, there is the potential to make investment mistak...
Wealth Builder - Navigating Capital Gains Tax
This week on the Wealth Builder podcast Nick talks to accountant David Markovski about all things capital gains tax to make sure you don;t pay more th...
Slaying Some Sacred Cows
Are all properties guaranteed to rise in value? Is a Self Managed Super Fund always the smarter choice? In this episode of Financial Autonomy, Paul ta...
Wealth Builder - Is Your Super Safe?
Welcome to the third episode of our new podcast Wealth Builder.
In this episode Nick talks to Financial Autonomy host Paul Benson about whether...
The Link Between Interest Rates and the Stock Market
Interest rates are falling for the first time in years — good news for borrowers, but a big question mark for savers. More importantly, what does this...
Wealth Builder - Family Trusts
Welcome to the second episode of our new podcast Wealth Builder.
In this episode Nick talks to accountant David Markovski about family trusts, w...
Home Deposit Help: Supporting your Kids Without Risking your Retirement
With house prices soaring, more parents are looking for ways to support their children's first step into the property market. But how do you strike th...
Wealth Builder - Episode 1
Welcome to the first episode of our new podcast Wealth Builder.
Host and Guidance Financial Planner Nick Donato invites guests on to discuss iss...
What is a "Good" Return for my Super and Investments?
Ever been let down by a hyped movie — or pleasantly surprised by a random pub band? Expectations shape how we experience things — and that includes in...
The New Financial Year Checklist
With the new financial year underway, this episode explores key strategies to help you get ahead—like adjusting your super contributions, reviewing pe...
Australia vs France: Lessons in Debt, Taxes and Retirement
After spending time working remotely in France, I came away with a deeper appreciation for the different ways countries manage their economies and soc...
The Most Important Action You Need to Master to be a Successful Investor
In this episode, we explore the single most important — yet often overlooked — action that successful investors rely on: doing nothing.
When mar...
Making a Difference: Smart Ways to Support Causes You Care About
A significant portion of the work that we do for clients entails financial modelling to help understand what is possible. Frequently, we arrive at the...
The Downsizer Strategy
Your home isn't just where you live — it can also be a powerful asset in your long-term financial plan. In this episode, we look at how shifting your...
What is a Wrap and When Do They Make Sense?
This week, we're unpacking a real-world financial dilemma: one person's uneasy experience after being advised to move her super from a large industry...
How Much Super Do I Need?
It's one of the most common retirement questions—how much super is enough? In this episode, we explore how to estimate your retirement needs based on...
Is it Time to Use the Equity in your Home to Build Wealth?
With interest rates starting to fall, is there an opportunity to utilise the equity in your home for investment purposes and accelerate your wealth cr...
Goals are Essential, but Don't Miss this Next Step
When we head off on vacation we don't barrel off down the highway, pull up at some random point hours or days down the road, and camp out for the next...
Will Active Managers Ever Come Back?
In this episode, we dive into the debate between active vs. passive management, exploring the claims made by fund managers during a recent teleconfere...
How Does Tax Apply to Your Super?
Wanting to get your head around tax within the superannuation system makes total sense. Our savings accumulate in this regime, however there are restr...
Redundancy
Despite the current low rate of unemployment, there seems to be a mini wave of redundancies in the middle and senior ranks of many companies at presen...
The 4 Essentials When Receiving an Early Inheritance
With an awareness of the challenges of high house prices and resultant large mortgages, intergenerational wealth transfers - in the form of early inhe...
Is it Time to Own Bitcoin?
Bitcoin has got a fresh wave of energy since Donald Trump's election win, and we've had quite a few questions from our clients. We are all susceptible...
Superannuation Contribution Master Class
Australia's superannuation system is undeniably complex, yet it plays a pivotal role in our financial lives. With compulsory contributions mandated by...
Recency Bias - Could it Derail Your Plans?
Stock market returns were phenomenal in 2024. But strong returns can plant the seed for an unexpected risk. This risk is known as recency bias. Holdin...
What is the Transfer Balance Cap and How Does it Work?
A few weeks back in the episode about the Superannuation Sweet Spot, I made reference to the transfer balance cap of $1.9 million. I've since had a fe...
Passive Income 101
The desire for passive income frequently comes up as a goal when I speak with new clients. The idea of earning money before we even get out of bed hol...
The Most Important Concept in Finance to Understand
In this episode we take a look at the most important concept in finance to understand - compounding.
Subscribe to our weekly GainingCHOI...
The Superannuation Sweet Spot - Making the Most of Superannuation Tax Concessions
Consistent with most developed nations, Australia provides incentives for people to save for their retirement. Being self-sufficient in retirement red...
Markets Have Had a Phenomenal Year. Where To From Here?
It's been a wonderful time to be an investor recently. As regular readers of our GainingCHOICE e-mail will know, the current one year numbers for the...
What is Longevity Risk and How Should I Avoid Getting Caught Out?
There's lots of risk when it comes to investing and building wealth. Inflation risk, market risk, timing risk, concentration risk, liquidity risk, cre...
The Blueprint To Wealth Creation in 2024
We all want to build wealth and have financial security, have choices in life.
This week I wanted to explore the basic framework for how you can...
Where to find new episodes of What's Possible?
Looking for a new What's Possible episode?
What's Possible has now moved to its own channel. Links are below for the most common players, or jus...
Am I On Track To Retire?
This week's episode is inspired by the number one question we get asked by new clients - am i on track to retire?
This week I take you through h...