Retirement Living Your Way

What does it take to build a fulfilling life after work? In this episode of Retirement Living Your Way , Greg Black and Troy Theobald are joined again by long-term RFS Advice client Ged Silva, who reflects on the first five years of his retirement. Ged explains how identifying his core values helped him move from an unbalanced, work-focused life to one built around family, friendships, health, lea...

Retirement is about more than choosing a date or reaching a financial target. In this episode of Retirement Living Your Way , Greg Black and Troy Theobald speak with Ged Silva about the life-changing events that prompted him to retire in his mid-50s and rethink what he wanted from the years ahead. Ged shares how he prepared financially, navigated the loss of career identity and found a renewed sen...

In this episode of Retirement Living Your Way, Greg Black is joined by Belinda Veriton from RFS Advice and Danielle Lim from DSL Law for part two of their conversation on retirement living options. Together, they unpack the documents, costs and contract terms that can shape a move into a retirement village, land lease community or over-50s community.  The discussion highlights why legal and f...

In this episode of Retirement Living Your Way , Greg Black is joined by Troy Theobald and RFS Advice adviser and shareholder Brooke Riewoldt to discuss a common issue for couples: what happens when one person manages most of the household finances? They explain why both partners need a broad understanding of their income, expenses, bank accounts, assets, financial structures, estate planning docum...

Thinking about downsizing, moving into a retirement village, or exploring over 50s living? In this episode of Retirement Living Your Way, Greg Black is joined by Belinda Veriton from RFS Advice and Danielle Lim from DSL Law to unpack the key lifestyle, legal and financial considerations before making a move. Together, they explain the differences between retirement villages, land lease communities...

In this episode of Retirement Living Your Way , Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice for part two of their investment fundamentals discussion. This episode explores growth assets and specialist investments, including international shares, thematic funds, index funds, smart beta, active management, private equity and property. The conversation focuses on understandin...

In this episode of Retirement Living Your Way , Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice to unpack the foundations of retirement investing. The conversation focuses on the more defensive side of portfolios, including cash, term deposits, fixed income, mortgage funds, balanced funds, real return funds, and Australian shares used for income.   Troy and Josh explain w...

Retirement is not just about leaving work. It is about learning how to spend confidently, build new routines, stay connected and decide what you are retiring into.   In this episode of Retirement Living Your Way, Greg Black and Troy Theobald from RFS Advice are joined by Paul Forbes, former CEO of RFS Advice, to discuss the real-life transition into retirement. Paul shares practical insights...

In this episode of Retirement Living Your Way, Greg Black and Troy Theobald from RFS Advice speak with Paul Harrison from Kollosche about the practical realities of buying property on the Gold Coast.   Following on from their earlier conversation about selling, this episode explores the buyer’s side of the property journey, including how to clarify your budget, separate non-negotiables...

What really happens when you step away from work? In this episode of Retirement Living Your Way , Greg Black and Troy Theobald sit down with Paul Forbes, former CEO of RFS Advice, to unpack the reality of transitioning into retirement after a long and successful career. Paul shares practical insights on becoming financially ready, aligning with your partner, and why retirement is about choice, pur...

Selling the family home in retirement can feel overwhelming. In this episode, Greg Black and Troy Theobald from RFS Advice speak with Paul Harrison from Kollosche about the Gold Coast property market, realistic pricing, preparing your home for sale, auction versus private treaty, and the key steps retirees should consider before making a move. See omnystudio.com/listener for privacy information.

Many retirees are told what they should be doing with their money and how they should be living. In this episode, Troy and Greg discuss the pressures that come with those expectations and practical ways to push back. It is a relatable conversation filled with real-life examples that most listeners will recognise from their own experience. See omnystudio.com/listener for privacy information.

In this episode, we explore why insurance is a core component of financial planning for professionals and business owners. We outline the main forms of personal cover, including Life, Total and Permanent Disability, Trauma and Income Protection, and how each can play a role within a broader strategy. RFS Advice, Director and Shareholder, Darko Zigic, joins the discussion to share practical insight...

In this episode, Troy and Greg discuss a recent Retirement Living Your Way talkback segment on 4CRB, where Troy helps put retirement into perspective during periods of market uncertainty. The conversation is aimed at those nearing retirement who are worried about market fluctuations and whether it is the right time to step away from work. Drawing on real experience, Troy shares practical insights...

In this episode, we introduce Darko Zigic, Director and Shareholder of RFS Advice, to discuss the nuances of advising professional and business clients. Darko and Troy explore the common characteristics of these clients, the financial issues they often face, and the key areas they may need to consider as their careers and businesses evolve. The conversation also touches on the importance of collab...

With a recent 4CRB show devoted to these hot topics, Troy was keen to delve a little deeper and talk through how these issues affect clients.  Brooke Riewoldt joins the team again to share insights into how she feels about the property market and options available for those wanting to help children get into the market.  Troy shares his experience in dealing families and how he often the...

With Troy recently receiving two National Awards within the financial planning profession, the Financial Standard Power50 and the Barron’s Top 150 most influential advisers (ranked 27th), we thought listeners would like to hear how Troy thinks when it comes to portfolio construction. Troy provides some greatly learnings around diversification, discipline, liquidity, what to avoid and why, pl...

In this episode we have Brooke Riewoldt join Troy to discuss the concept of risk and how it influences the decisions people make.   Brooke shares her insights from dealing with those who have recently been divorced or widowed and puts the concept of risk into perspective.  Portfolio construction is discussed and the concept of ‘bucketing’ across different assets is explo...

In this episode, we unpack what’s involved with the move to residential aged care — from recognising when it’s time, to understanding the assessment process, costs, and emotional impact.  Belinda Veriton, our RFS Advice expert explains how to navigate ACAT assessments, compare facilities, and manage fees like RADs and daily care charges.  We also discuss how to plan fin...

In this episode, Belinda Veriton from RFS Advice explores how home care packages can help older Australians stay independent and supported at home for longer.  Belinda explains how to access a package, what the levels of care mean, and how to make the most of government funding. We also discuss common pitfalls, the “Support at Home” reforms introduced on 1 November 2025, and how p...

In this episode we look at the changes to Home and Residential Aged Care coming into effect on the 1st November 2025.  To help unpack the changes we speak with Belinda Veriton, our Aged Care Specialist and Adviser at RFS Advice. See omnystudio.com/listener for privacy information.

The year in review and Troy in the hot seat!! Troy talks through the key themes throughout 2025, how markets have performed and how clients have been feeling.  As the last episode before Christmas, Greg decided to put Troy in the ‘hot seat’ with several questions designed to see how Troy really thinks!!  Troy doesn’t disappoint and it’s easy to see why Troy is reg...

A financial checklist for ladies over 50 We’ve invited Brooke Riewoldt back into the conversation around Ladies Let’s Talk with a six-point checklist Brooke and Troy have developed. This checklist is designed to reduce the anxiety and empower ladies to live their best life.  We share real life stories and talk through the importance of understanding your current position, reviewin...

Changes to Home and Residential Aged Care In this episode we look at the changes to Home and Residential Aged Care coming into effect on the 1st November 2025.  To help unpack the changes we speak with Belinda Veriton, our Aged Care Specialist and Adviser at RFS Advice. See omnystudio.com/listener for privacy information.

Ladies Let’s Talk During this conversation we talk with RFS Advice Financial Adviser, Brooke Riewoldt, on financial matters that are important to women over the age of 50.  We look at security, independence, legacy, health and confidence for ladies, with Brooke and Troy sharing their real-life experience in dealing with clients.  See omnystudio.com/listener for privacy information.