Freedonomix

This month Chris Haggart sits down with Shane Nicholas - Partner and Independent financial adviser at IWP to discuss all things economics and markets over the course of the last month. DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for y...

This week, Cameron sits down with Brigitta, an independent financial adviser at IWP, to talk through what to do when someone passes away. Losing someone comes with grief, and then it comes with paperwork. Bank accounts. Wills. Super. Bills that were never in your name. In this episode, we cover the practical side of death that no one prepares you for, and why calling your financial adviser before...

We looked at our own client data on the IWP Life Survey. Clients who've been with us for a few years score higher across every area of life we measure, not just the financial one. Spiritual wellbeing showed the biggest jump. That sent us looking at what other researchers have found. Vanguard says advised clients are about half as likely to report high financial stress. Russell Investments found co...

Rates on hold, inflation still sticky, and the housing correction keeps spreading. In this month's update, we cover the RBA and Fed both holding steady, Australia's headline inflation easing while underlying inflation stays stubborn, a softening US labour market, and dwelling values falling across every capital city. We also look ahead to the big dates in September: US employment and CPI data, the...

In this podcast episode Cameron sits down with Tim Dawe - Independent Financial Adviser and partner at IWP to talk through the impact of separation through a finance lens. Separation doesn't just hit your finances. It hits everything — emotionally, physically, mentally. We break down what actually helps in those first few months: why fight-or-flight decisions backfire, why delaying a new home purc...

In this weeks episode, Cameron sits down with independent financial adviser at IWP - Brigitta Nadya - to talk through the impact of poor spending habits. Everyone wants to talk about returns. Almost nobody wants to talk about cashflow — but it's usually the bigger lever. This episode looks at why a high income doesn't guarantee wealth, why lifestyle creep quietly derails good intentions, and why t...

This month, Cameron sits down with Chris Haggart - Independent Financial Adviser and Partner at IWP to discuss all things economics and markets. The RBA and the Fed stayed on hold — 4.35% and 3.50–3.75% — as each waits for clearer signals before their next move. Inflation cooling but unevenly across the US and Australia, consumer and business sentiment recovering off weak bases, growth deceleratin...

Les and Angela are looking at $15.9M — an $8M business sale on the table, a testamentary trust, an SMSF holding the company premises. On paper, they've made it. Cam and Chris sit down with a case study built around a couple in that exact spot: Les is 67, Angela's 63, three adult kids, a parent with dementia, and a business sale that's about to change everything. The hard part isn't the money. It's...

In this episode, Cameron is joined by Williza Demirel - Independent Financial Adviser at Independent Wealth Partners. We look at what happens when only one partner manages the household finances — and what happens when that person is suddenly gone. It's a common setup in a lot of relationships, but it leaves the other partner exposed at exactly the wrong time. They talk about why this hits women p...

John is 58. Julia is 57. Together they've built $5.63 million in net worth — a family home, two investment properties, super, cash in the bank. On paper, they've made it. But 76% of their wealth is locked in property, and over half of it sits in a home that earns them nothing. One investment property has gained $400K. The other has lost $200K on paper and still costs more to hold than it returns....

Global growth holds, house prices don't — the July market update Nvidia alone is worth more than twice the entire ASX combined. Melbourne house prices just posted their worst quarterly fall in years. And Australia is on track for its weakest decade of living standards growth since the 1910s. Cam and Chris break down what's actually happening in the economy this month — global growth staying resili...

Joining Cameron today is Tim Dawe - Partner and Independent Financial Adviser at IWP. Join us as we chat through the selling proposition for the May 2026 Federal Budget. The government has tried to sell it as a win for young Australians trying to get into the housing market. Tim Dawe isn't convinced. In this episode, we pull apart the headline measures — the CGT and negative gearing changes, the $...

Today Im joined by Chris Haggart - Partner and Independent Financial Adviser at IWP where we sit down and discuss the latest article Cameron wrote on what to do when you win Tattslotto! Winning the lottery sounds simple. It isn't. Sudden wealth brings a wave of decisions most people have never had to make — mortgage or investments, family requests, tax, trust, who to even tell. In this episode, we...

This week Cameron is joined by Chris Haggart - Partner and Independent Financial Adviser at IWP. For years we have known that the value of advice is in the intangible benefits of the advice, which goes well beyond the tax savings, the strategic advice that brings financial benefit. About 2 years ago, we started surveying our client base, both new and existing clients across eight dimensions of wel...

Link to IWP's June 2026 Update (PDF)  https://tinyurl.com/muzzukne Global markets have remained remarkably resilient over the past month, with strong AI-driven earnings continuing to support US markets despite ongoing geopolitical tensions, inflation concerns, and growing uncertainty surrounding Australia's economic outlook. In this month's discussion, Shane and Chris explore the key themes influe...

For most Australians approaching retirement, the family home is their biggest asset. The problem has always been that it's also the hardest one to access. But there's a strategy that changes that — and a surprising number of people over 55 have no idea it exists. In this episode of Freedonomix, Cameron sits down with Andrew Brown - Independent Financial Adviser at IWP who walks us through the down...

You see the fee. You do the mental maths. You think:  if I don't pay this, I keep that money. It's a completely rational thought — and it might be the most expensive decision you ever make. In this episode of Freedonomix, Cameron sits down with Chris Haggart - Partner and Independent Financial Adviser at IWP where we get honest about the real cost of financial advice — and more importantly, the hi...

We've been wired for survival for 300,000 years. The problem? Those same instincts that kept our ancestors alive are the ones quietly sabotaging your investment decisions today. In this episode of Freedonomix, Cameron sits down with Shane Nicholas - Partner and Independent Financial Adviser at IWP as we dig into the human side of investing — the part that doesn't show up in a risk profile question...

Link to IWP's May 2026 Update (PDF) Market Update  Markets have rebounded sharply following April's volatility, despite ongoing uncertainty surrounding the Iran conflict, inflation pressures, and rising oil prices. While headlines remain concerning, market performance has again highlighted the importance of staying disciplined and focused on long-term investment outcomes. In this month's discussio...

Following the Budget last night, Cameron sits down with Shane Nicholas (Partner and Adviser) at IWP and Luke Axton (Partner and Chartered Accountant) at IWP to work through what the signficant changes mean for our clients.  Some of the proposed changes to tax rules around negative gearing, trust distributions and capital gains tax change in a lot of ways some of the long held strategies to growing...

In this episode of Freedonomix, Cameron speaks with IWP Senior Financial Adviser Lynn Zhao to unpack one of the most common questions investors ask: Is now the right time to invest? Rather than focusing on market predictions, this conversation explores what really matters — your goals, your time frame, your ability to tolerate volatility, and the importance of having a disciplined long-term plan....

In this episode of Freedomonix, Cameron speaks with Chris Haggart - Partner and Financial Adviser about the psychology of wealth and the search for meaning beyond a paycheck. Drawing on themes from Chris's articles, they explore why financial decisions are rarely just about money, how people often link self-worth to income and status, and why true wealth may be better measured by freedom, alignmen...

In the latest episode of our video podcast, Cameron and Shane unpack Shane's recent blog article, "Death Tax by Stealth." Unfortunately, in Australia if you die with money in your super and you want to pass this through to your adult children, then the taxable component of your super fund is taxed at 15% plus the medicare levy (2%).  In this episode, Cameron and Shane talk through the ways to redu...

In the next few episodes of Freedonomix we are sitting down with our clients to chat through their personal lived experience of Retirement. We have thoroughly enjoyed these genuine conversations about our clients journey's through both the financial and lifestyle experience of their retirements and we think there are a number of pieces of gold throughout.  In this episode of Freedonomix , we speak...

In the next few episodes of Freedonomix we are sitting down with our clients to chat through their personal lived experience of Retirement. We have thoroughly enjoyed these genuine conversations about our clients journey's through both the financial and lifestyle experience of their retirements and we think there are a number of pieces of gold throughout.  In this episode of  Freedonomix , we sit...