The Grass is Greener

Inspiration comes via everyday moments. Its what we do with it that counts! This week we chat to Lisa Cotton, founder of HEADLOKT - the first helmet that is a lock! Lisa Cotton takes us on her inspiring journey from pandemic lockdown in Melbourne - via her lightbulb moment - onto this current day where she has launched an award winning product. Lisa and Tim discuss the moments that led up to the b...

Once you are retired there is definitely a need to consider how your assets will provide you with an income. This is where Annuities play their role so well. Jodie Davis from Challenger Limited talks about how Annuities can help those in retirement to provide enhanced certainty with their income. Challenger https://www.challenger.com.au/

We know that Superannuation is an extremely compelling option for retirement savings. But there certainly are other products out there that can be valuable when used in concert with Super. Investment Bonds fit this role very well! Felipe Araujo, General Manager at Generation Life discusses this topic with Tim. Specifically, how Investment Bonds operate, why government changes to Super has sparked...

'Successful investing is about managing risk, not avoiding it' The world is going through a huge phase of adjustment right now. It might feel like a dangerous time and you might feel unsafe being exposed to any perceived or real 'risk'. But there is a well-established principle that investors can generally expect for there to be four different economic seasons in the economy: Risin...

The Sandwich Generation refers to those in their 50's and 60's who are 'sandwiched' between their young adult children on one side and their ageing parents on the other. Just when they thought life might have been getting easier, they find themselves with a lot to think about - including their own retirement! Marc Bineham has recently closed a phase of his life as a Financial Advis...

"I am interested in Ethical Investing but it's too late for me". As a financial adviser, I have heard this comment made many times. As you approach retirement you might wonder if its a reckless move to realign your investment values in the latter stages of your working career (or perhaps even once retired). Stuart Robinson from Australian Ethical joins Tim to discuss Ethical Investme...

This episode is week 2 of two episodes discussing Superannuation fundamentals and strategies. Award-winning financial adviser Sacha Burchgart joins Tim and this week they explore some of the great strategies available within Superannuation. Sacha and Tim discuss: - Age milestones of 60 and 65 for Super. - Transition to Retirement Strategy. - 5 Year carry forward Rule - 3 year Bring Forward Rule -...

This episode is week 1 of two episodes discussing Superannuation fundamentals and strategies. Award-winning financial adviser Sacha Burchgart joins Tim and this week they do a "crash course" in some of the fundamentals of Superannuation. Sacha and Tim discuss Investment Risk and how to stay focused on the long term, the impact of time on your Super and the types of contributions that can...

When you retire, you may be eligible for government benefits such as the Age Pension or a concession card. However, understanding your entitlements can be tricky for some situations. Dealing with Centrelink may also come with its challenges. Many people in Australia don't get all of the their entitlements. Kerri Zerbst runs a business called KAZ Specialised Admin Services which aims help you t...

You want to start your Full Time Living journey but need some inspiration to get started? This week Natalie and Tim look more deeply into the 5 key ingredients for a healthy and connected life. Natalie talks us through the importance of injecting fun, adventure and spontaneity into your vision before breaking down your steps and beginning to take action. Natalie gives us an outline of her amazing...

Natalie Yan-Chatonsky is the founder and CEO of Full Time Lives and the author of The Art of Full Time Living. Natalie collaborates with organisations that care about empowering women to choose how they work, live and play so that everyone has the opportunity to lead a happy and connected life. Natalie chats to Tim about her purpose-driven quest to help women who are undertaking any midlife transi...

One of the most common questions any Financial Adviser is asked is “how much do I need to retire?” There is no secret! The answer is actually within reach of anyone, if they can establish what they want to spend. This week we talk to Financial Adviser and Certified Money Coach, Catherine Belford. Catherine discusses the her experience with her clients in helping them plan for retirement. In partic...

The Association of Superannuation Funds of Australia (ASFA) provides numerous resources for the superannuation industry and the general public. Each quarter ASFA provides a comprehensive breakdown of expenses for both a 'comfortable' and 'modest' lifestyle in retirement. Ross Clare is the Director of Research for ASFA and discussed how the Retirement Standard is complied and what i...

Vanguard Australia recently produced the report "How Australia Retires". A study exploring Australians' attitudes towards retirement and how they feel about this phase of life. Vanguard's Head of Superannuation, Shannon Nutter, joined Tim to discuss the key findings of the report. Additionally they discussed the launch of Vanguard Super and the diverse retirement needs of Austral...

Andrew Rutter is the author of "My Future's So Bright I Gotta Wear Shares". Andrew wrote the book after going through his own transition to retirement, finding that there was a scarcity of resources that were well aligned with Australian attitudes to lifestyle planning. Whilst Andrew injects a fun element into our discussion, we talked about vital and importance aspects to planning your retirement...

We are back! And can't wait to launch our "Plan Your Retirement Series". This week Tim discusses the components that go into a good retirement plan. Of course, these components are both FINANCIAL and NON-FINANCIAL and over the next 12 weeks we will tackle these areas in detail.

Over the past 118 episodes we have chatted to some amazing guests and we have 'cherry- picked' the highlights from our favourite interviews, brining a different theme each week. This week, our theme is "Your Children - Financial Resilience & Investing" A significant portion of a child's money beliefs are basically formed by the age of 7. What can parents of younger and older children do to hel...

Over the past 117 episodes we have chatted to some amazing guests and we have cherry picked the highlights from our favourite interviews, brining a different theme each week. This week, our theme is "Your Health & Wellbeing". At this time of year we tend to reflect on how we finished the previous year. How would you rate your own physical, mental, emotional and social health? The truth is ther...

Over the past 116 episodes we have chatted to some amazing guests and we have cherry picked the highlights from our favourite interviews, brining a different theme each week. This week, our theme is "Why set goals?" Goals are touted constantly as the saviour to giving us purpose and keeping us on track. We 'go back to basics' on Goals and Goal Setting. Why set goals in the first place? Why do goal...

Over the past 115 episodes we have chatted to some amazing guests and we have cherry picked the highlights from our favourite interviews, bringing a different theme each week. This week, our theme is "Who are you?" When setting out to make 'big picture life plans', it can be difficult to confront big questions like, "who am I?", "what is my purpose?", "how do I want to feel?" Our guest interviews...

Welcome to a 4-part series that delves into each of the four Life Insurance products - Death Cover, Total & Permanent Disability, Income Protection and Trauma insurance. This week our topic is Life Cover Insurance. Financial adviser, Cameron Peck from Safeguard Life explained the importance of making an informed and deliberate decision about Life Cover. Cameron discussed the various factors to...

Welcome to a 4-part series that delves into each of the four Life Insurance products - Death Cover, Total & Permanent Disability, Income Protection and Trauma insurance. This week our topic is Total & Permanent Disability Insurance. Financial adviser, Phil Thompson from Syke Wealth explained the various definitions of TPD, how we helps his clients claculate what they need and some real lif...

Welcome to a 4-part series that delves into each of the four Life Insurance products - Death Cover, Total & Permanent Disability, Income Protection and Trauma insurance. This week our topic is Income Protection Insurance. Financial adviser, Clinton Teitz from FCA Financial us really valuable insights into the definition and role of Income Protection insurance in addition to some real life exam...

Welcome to a 4-part series that delves into each of the four Life Insurance products - Death Cover, Total & Permanent Disability, Income Protection and Trauma insurance. This week our topic is Trauma Insurance. Financial adviser, Jodie Douglas from Mad About Life gives us a fantastic insight into the definition and role of Trauma insurance in addition to some real life examples of how it helpe...

The recent data breaches at Optus and Medibank have brought our potential Cyber vulnerabilities into the spotlight. Earlier this year, Tim interviewed Fraser Jack, from the Cyber Collective and discussed the actions that we need to take to ensure that we reduce the risk of a Cyber attack in the home. Phishing - how to recognise and react. What 'not to do' on Social Media Risks with disposing of ol...