The Grass is Greener

3 in 5 Australians say they care deeply about environmental issues, yet only 1 in 5 hold responsible investments. One possible reason for this misalignment is that many people don't understand Ethical investment. Also, they may not know how to measure their Super fund against their OWN ethical values. This week we define Ethical Investing, provides some really interesting insights on how the Austr...

Thanks for joining along with us the past 4 weeks of the 30-Day Savings Challenge. This week Tim & Karen talk to two of our Money Mentees - Sophie & Shannan. They tell us how they found the process, the challenges and the wins. Sophie and Shannan also tell us what they loved about the challenge and what they’ve taken away and achieved.

Measuring your savings progress is a vital component of you plan. This is a process of Measure, Manage, Adjust, Repeat! This week Karen and Tim discuss how frequently you should measure your progress, how to bring some fun and engagement to your progress meetings and how to deal with 'slip ups'.

This week Tim and Karen tackle the topic of how to bridge the gap between where you are today and where you want to be tomorrow. If you have worked through the exercises in the initial 2 episodes, you will have established your cashflow surplus or deficit. It is now time to start putting that surplus to work - building toward your goals. Karen explores 5 common 'money blocks' that many people poss...

In week 2 of our 30-Day Savings challenge, we help you get clear on where you are today, financially, and learn the money metrics to measure your financial health. How much do you actually spend? This week we help you 'get real' on this figure. Karen discusses the importance of measuring and tracking your Net Worth and how to do this. Tim & Karen discuss their different approaches to cashflow...

Money needs direction and purpose. Knowing what you value and being intentional about how you want to live your life and align your money is one of the first steps to taking control over your money. In week 1 of the 30 Day Savings Challenge, Karen & Tim discuss the importance of having a very strong foundation for your goals. Karen explores how to get in touch with the Values that are most imp...

They say that 'your focus determines your reality'. Our modern existence is full of distractions such as smart phones, emails, phone calls and unproductive meetings. Do you feel focused on the things you need to achieve? Jay Pottenger from EQ Minds discusses 'How to Focus to be more Productive'. Jay Pottenger, General Manager at EQ Minds Jay is a speaker and General Manager at EQ Minds. For 15 yea...

Trying to put children (sometimes multiple) through 12 years of education takes a big commitment. And in todays world, especially now we have increased cost of living, we need to try and optimise any advantage we can. This week we explore the benefits of an Education Bond with Amy Parsons. Amy and Tim discuss the technical aspects of Education Bonds and the specific benefits that they aim to deliv...

One of the most common goals we hear from people is that they want to give their kids the best possible start in life - a desire to provide them with a great education. education. This desire is generally coupled with the follow up question, can we actually afford to do this? And if so, how? This week we discuss the starting points with Education Planning. What is the fee commitment you aspire to...

"How much do I need to retire"? This is the most asked question of any financial adviser. Of course, the answer is unique to your situation and there are many variables to consider. This week Tim talks through the process that he undertakes with his clients when working with them on a Retirement Plan. ASFA Standard https://bit.ly/3JOTWGk Aspire Planning (Retirement PDF) https://bit.ly/3m6nzp8 Conn...

Self-care is often the first thing that gets sacrificed when life is busy and stressful, and people often think that taking time fir themselves seems indulgent. Sasha Carey from AIA Vitality joins us to helps us understand what is Self Care and why it is so important to our everyday health and wellbeing. Sasha uses a really good structure - the '6 Pillars of Self-Care' - to help us think about the...

Life is busy! There are no shortage of many commitments, obligations, bills, etc etc. But as we know, life is much more than just existing. It has never been more important to give ourselves the space to brainstorm and think freely about our dreams and the adventures we want in our lives. Peita Diamantidis is a Financial Adviser (Caboodle Financial Services), Presenter and Author. Peita is a huge...

Understand why and what Digital Assets you will need to pass on access and control of to your trusted people in an emergency or death. It's time to stop burying your head in the sand, and face up to the critical role and information digital accounts play in our modern lives, and take control of the wild jungle that is your digital life! Lucy Percy is an Estate Planning solicitor (Head & Heart Esta...

We are all very aware of the need to be Cyber-aware and Cyber Secure. But what are the actions that we need to take to ensure that we reduce the risk of a Cyber attack in the home? Fraser Jack from the Cyber Collective discusses aspects of Cyber Security that pertain to the home such as: Phishing - how to recognise and react. What 'not to do' on Social Media Risks with disposing of old computers I...

When engaging a Financial Adviser, consumers want to have confidence that they will receive High Quality Financial Advice. There are now very strong regulations in pace that govern the financial advice profession. Head of Affinia Financial Advisers, Marcus O'Sullivan explains the role of a Financial Services Licencee. Marcus also explains how the current regulations flow through to benefit consume...

A new financial year has arrived, and with it a number of new Superannuation rules. Many of the new changes are really positive and the beneficiaries include low income earners, first home buyers and those aged over 67. The start of financial year is also a time to think ahead about how you want to structure / optimise your contributions for the next 12 months. We discussed three types of contribu...

Your Estate Plan is your chance to tell your life's story. You've worked hard during your lifetime. Your estate plan is your chance to make your hard work mean something, and to leave a lasting legacy for the people and causes you care about. Your estate plan includes; Wills Powers of Attorney (Medical and Financial) Guardianship of Children Outline of your wishes in a Memo of Direction We discuss...

'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: Rising Prices (Inflat...

One of the key reasons women are behind the super stakes is because they are more likely to take time out of the workforce to raise a family. But there are a number of other factors that contribute to the Gender Super Gap. Deline Jacovides is a Financial Adviser with Mazi Wealth chats to us about the dynamics of the Gender Super Gap. Deline also provides some valuable concepts about how women can...

The Financy Womens' Index is a quarterly measurement of the economic progress of women and timeframes to gender equality in Australia. The index is written by Financy founder Bianca Hartge-Hazelman. This week Bianca talks us through the March 2022 update to the Women's Index. Bianca tells us specifically whether we progressed or regressed in 7 key areas: - Education - Employment - Underemployment...

Over these past 8 weeks we have focused on ways to help you tackle your Cost of Living pressures. This week we have taken all of the best highlights and insights from our guests and put them together to form a "Cost of Living Checklist".

This week we chat to Michael Haines about an the benefits of a Universal Basic Income (UBI). The concept of UBI is that a set amount of money is paid to every adult citizen, permanent resident, and refugee living in the community, every week - to meet their basic needs. There is no means test - every citizen receives it, it is paid unconditionally and it is adequate enough to support an individual...

This week Tim and fellow Aspire Planning adviser, Leandro Bonin discuss your Super and Investments and the volatility that has been present in 2022. Tim and Leandro have worked with hundreds of clients and have seen many good and poor decisions made in volatile times. https://www.linkedin.com/in/leandrobonin/

Creating a deliberate spending plan is the foundation for you building financial momentum. Any future goal that you might have for yourself generally needs to come from surplus income. Michael Lawes pops in to discuss the importance of being deliberate with your spending and steps on how to take immediate action now. We also discuss various tools that you can use to measure and track your spending...

Living costs are on the rise. Inflation is the measurement of the level of increase in costs. Why then would 'those in power' increase interest rates to add to our costs? Libby Newman - Investment Specialist at Vanguard gives us a 'crash course' on the relationship between inflation and interest rates, why costs have been rising and what central banks hope to achieve with interest rate rises. http...