Fine Answers

Kids+ will this year celebrate its 20 th year providing allied health services for babies, children, and young people living with disability.   CEO Shaun Cannon joins Peter and Jay for the second time on the Fine Answers podcast to provide an update on a number of major events and programs including the Kids+ Kite Festival, Surf Coast Trek, Changemakers Conference, Sports Exchange Pilot and Kids+...

"I'm not evading tax in any way shape or form. Of course I'm minimising my tax. If anybody in this country doesn't minimise their tax they want their head read. As a government I can tell you you're not spending it that well that we should be paying extra." – Kerry Packer 1991   With 11 Days before the end of the year most people without a plan are either oblivious, or resigned to the fact that th...

Being a lawyer is hard – "We need to teach ourselves that we can do hard things" - (Glennon Doyle)   The legal profession isn't exactly renowned for being transparent, down-to-earth, or compassionate. Sarah, Claudia and Jessica from Aspire Lawyers buck the trend by being unapologetically people focused.   Aspire Lawyers have been around over 100 years in various forms, but it is the contemporary v...

Whilst it's possibly the most asked question in real estate, it's also the question requiring the most insight, vision and care to answer honestly. How much is my house worth?   Ricky Forte is Director/Founder and Agent with Geelong Real Estate Co joins Ben and Jay on the Fine Answers Podcast to answer this question and many more.   With a track record of success in the industry, having helped hun...

Tony Slack launched Geelong Real Estate Advocates in 2011 after a successful career spanning 23 years covering every aspect of residential real estate in Geelong.   As a well-known and respected figure in the local property industry, Tony puts that expertise to work in searching, evaluating, and negotiating the successful purchase of residential property for homeowners and investors in and around...

In March 2017, Penny & Clint Stanleys beautiful daughter Zoe was diagnosed with a rare and incurable form of Brain Cancer called giant cell glioblastoma multiforme (GBM). Zoe was an incredible and happy little girl – artistic, brave and obsessed with everything unicorns, butterflies and rainbows. Despite fighting courageously for 9 months, Zoe lost her battle just before Christmas in 2017. Zoe's F...

Geelong Youth Engagement (GYE) is group of local business, government organisations, and community focused groups that have formed to support youth from Geelong, Bellarine and Surf Coast communities through multiple youth focused programs. Focusing on "At Risk" Youth, GYE Encourages engagement with education, employment and family and provides programs such as Strive, Spring Back Geelong & Geelong...

Tom Limb is Managing Director of CPG Sports Management offering individualised management services for AFL and AFLW players.    A local football legend and life member of the Queenscliff Football Netball Club, Tom has played 200 Games for the Coutas including 3 premierships and 2 Best and Fairest.   With extensive knowledge of AFL and the football industry together with a corporate background spec...

Relationship breakdown can be chaotic and full of conflict and complexity.    The financial and legal unknowns combined with the emotional and sometimes physical toll can be overwhelming.   Finding clarity through this chaos, conflict and complexity can be challenging, but that support network does exist.   Today Jay and Ben talk with Tara Paatsch, Special Counsel in the Harwood Andrews family law...

The Trifecta in life is an abundance of Time, Money and Health.   For most of us the opportunity to have all three, in abundance at the same time, sits in a narrow window at retirement where hopefully Time, Money and Health converge.    Even then, this requires good management around the things we can control and a dose of luck around the things we can't.   Delta and Jay discuss what can expand th...

Today's episode discusses the value of being informed, educated, disciplined, and interested in your finances. Knowing what you can manage yourself and knowing when you need to seek advice and support.   Jay and Ben discuss the intersection between systemising cash flow, the dangers of Property FOMO and the value of Debt Recycling as a strategy to growth wealth reduce debt and pay less tax.   If y...

Many Small Business owners or Farmers forgoe superannuation to invest time, energy and money into their business to fund their future retirement.   What's not well understood, commonly overlooked and poorly planned for, is that a number of tax and superannuation concessions exists for these individuals to reduce the amount of tax they may pay as they exit their business, sell their farm or change...

The last few years has seen an explosion of investment vehicles, choices, and options for the first time (and long-time) investor.   From Micro Investment apps, Exchanged Traded Funds (ETF's), Listed Investment Companies (LIC's) to more traditional Managed Funds, Shares and Property; there is an asset class and an investment platform for everyone.   The challenge is working out what's suitable for...

Managing Director of Achieve Home Loans, Will McKenzie boasts more than four decades of experience in the finance sector and knows the ins and outs of the home loan market. Will has been a trusted partner of Burke Britton for more than a decade supporting, counselling and bringing to life the debt and finance element of our clients financial plans. Today Jay, Ben and Will discuss the challenges an...

Gartland Property's, Will Ainsworth is one of Geelong and Australia's most successful real estate agents.    With a long history of property success, Will has sold over 1000 properties and is in the top 1% of agents in Australia for properties sold annually.   Jay and Will's relationship has spanned a quarter of a century with their paths crossing in multiple arenas, sporting, personal and profess...

50% of adult Australians do not have a valid will in place. This means that approximately half of Australians die intestate or without a valid will!!   Today's guest is Daniela Pavlovic, Principal in Harwood Andrews' wills and estates law practice.    Daniela and her team have worked closely with Burke Britton over more than a decade developing estate plans that complement our clients financial pl...

Glenn Peric is the CEO OF Shepparton Foodshare, a not for profit community initiative that has been rescuing and receiving donations of fresh and nutritious food and redistributing it to those in need in the Goulburn Valley since 2012.   Glenn shares his own journey to CEO, the recent challenges of COVID and Shepparton floods and the development of a new purpose built facility to secure Shepparton...

SCREW THE BANK……Its time to hit up them up ask them what they can do for YOU!!!   A Tik Tok Mortgage Sharman prompted this discussion with Jay and Ben around what you CAN and SHOULD be doing to improve your rate and get a better deal with the bank. https://vt.tiktok.com/ZS8QBTYYu/   Mortgage Prison is real but that doesn't mean you don't have options if you are willing to be prepared, informed and...

The $3.5 Trillion Great Australian Wealth Transfer has started!   The aging of Australia is only getting started with our 85+ cohort doubling by 2035.   Baby boomers make up 25% of the population, but own more than half of Australia's national wealth (53%).   Over the next two decades, baby boomers are set to bequeath around $3.5 trillion in assets.   This is the most significant intergenerational...

Tik Tok "Finfluencers" and Instagram "Financial Guru's" have captured a growing number of Australians that have been priced out of financial advice due to the costly and complicated nature of the current financial advice regime putting them at significant risk of unregulated and irresponsible advice.   Financial Advice has NEVER been a "One Size Fits All" approach. It requires the development of u...

Should Australians be able to dip into their super to buy a house? This Week in Fine Answers Ben and Jay discuss that question.   With cost of living and inflation pressures coming thick and fast, media and government murmurs of proposed changes to super this week included allowing early access for home buyers, extending hardship criteria, and potentially increasing tax on super accounts to fund g...

When life's good, we are healthy and income is plentiful we struggle to imagine it being any other way.    The reality is that life is fleeting, health is temporary and our ability to earn an income is dependant on us being healthy and alive!   Most people are terrible at assessing future risk and tend towards applying todays reality to future problems, severely underestimating the financial and l...

Having normally reserved their place as some of the most boring topics in finance; when budgeting, cash-flow, interest rates and inflation are trending topics in everyone's daily conversations, you know something BIG is brewing! Like nutrition and health, we can fall into bad habits with our finances of mindlessly consuming, blissfully unaware of the consequences of our actions whilst times are go...

Ben and Jay are joined by Senior Investment Advisors Adam Dawes and Sam Crompton from Shaw and Partners for this short and sharp market update. After a positive start to the year, markets are anxious to see the result of interest rate rises and the real impact on inflation and consumer spending.  A pivot to resources, caution on overweight banking, a wait and see on tech, opportunity in energy and...

When asked to write a few words 'about me' todays guest said…….. " I'm a woman, divorcee, loud, girlfriend, friend, Mum, Stepmum, podcaster, health coach, adventurer, food lover, gin drinker, cancer conqueror….. I am Tam! " Tam Shiels is a client and friend who shares who experiences around separation and divorce as mum of three young children whilst finding independence both personally and financ...