The Grass is Greener

Ethical investing is simply choosing ethical and responsible investments that focus on 1. growing your money and 2. improving your impact on the planet. There are now more options than ever for consumers to achieve these dual objectives with their choice of personal investments and also their choice of Superannuation. But what values and issues are specifically important to you? And how can we mea...

Financial security. Life experiences. And a lasting legacy. They're the aspirational goals of many people. But what that actually represent for any one individual is very very different from another individual. What does your version look like? Ryan Watson and Tribeca Financial have developed their own framework to help their clients articulate what their "Good Life" looks like to them. We discuss...

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 Adviser, looking afte...

Only 40% of people actually engage regularly with their Super. It is likely that you have just received or about to receive your annual Super Statement. Did you look at the statement? This week we do a "spring clean" on your Super statement, running through 7 key areas to ensure that your fund is doing what it needs for you and your family? This annual task is a must! ATO Your Super comparison too...

"While we all need to make money to live - taking control of your financial life involves making consistently good decisions with the resources you have, changing your financial habits and living deliberately" - The Minimalists This week Tim chats about how aligning a range of savings and investment vehicles to your life stage goals can provide you with a clear and purpose-led plan. https://www.li...

Change can turn our plans, our lives and our dreams upside down. Whether you have faced a redundancy, dealt with a break-up, been in an accident, lost a loved one, had a health scare, or been impacted by an economic downturn, your ability to navigate through the change process and create an alternative plan will be the key to your future happiness. Shannah Kennedy discusses her new book "Plan B" -...

In 1993, young American university student, Amy Biehl was brutally murdered in the streets of Gugulethu. The fall out from Amy's death, the approach taken by her parents and the foundation started in her honour is a very unique story. One of the first recipients of the Amy Biehl foundation was Vincent Ntunja. Vincent is a Basketball Mentor, Model, Sports Presenter and Under Armour Brand Ambassador...

Asking the question RUOK is a vital first step in starting a conversation. But how well prepared are you for an answer of NO? For many of us, we might feel ill-equipped to deal with the rawness of such a conversation. It might make us fearful or even want to avoid getting too deep into the topic. Hayley Meeking is a Mental Health First Aid Instructor a Mental health advocate, a Registered Nurse, a...

Most of us have Superannuation. In fact for many it is one of our largest liquid assets. But how is this asset paid out when you die? Have you even made a nomination with your fund and is it valid? Peter Treseder is the Education Manager with one of Australia's largest super funds - Australian Super. Peter describes the five entities that are eligible to receive a death benefit payout from Super....

Leaving assets in an Estate can often get complicated. Family relationship dynamics or the relationship status of a beneficiary can cause conflict. Laura Salsbury from Generation Life explains how an Investment Bond can be used in some circumstance to mitigate conflict and provide certainty. Laura explained the characteristics of an Investment Bond and 'life' examples of leaving funds to: - Grandc...

Whilst an Estate Plan is made up of legal documents such as a Wills and Powers of Attorney, you also have the ability to leave your more personal and intimate instructions to your Executors, Guardians of Children and/or Beneficiaries. This document is called a Letter of Wishes. Lucy Percy is a lawyer and is the owner of Head and Heart Estate Planning. Lucy explains the importance of the Letter of...

Have you heard the term Testamentary Trust? In this episode, Tim chats to Tara Lucke about the power of a Testamentary Trust Will for everyday Australians and their families. Tara likes to think of the Testamentary Trust Will as the super hero of estate planning, because they will save your family tax after you die, save your inheritance from divorce and bankruptcy risks and save young children fr...

These past 5 weeks we talked to experts about getting better planned in this financial year. But where do you start? And how are you going to consolidate, view and track your financial world. Look no further than The Aspire Wealth Portal. Tim discusses all the features of the Aspire Wealth Portal that makes the management of your financial world so much easier, much of it is automated. Not only wi...

Your Cashflow is the cornerstone to you successfully managing money and allowing your to fulfil your Dreams and Goals. To succeed in Mastering Your Cashflow you need to be far more intentional that simply setting a budget. Steve Crawford from Experience Wealth talks to us about the successful Cashflow formula that he has used with hundreds of clients over many years. And we will give you a hint -...

We live in a consumption-driven world where we're celebrated for the things we have - gorgeous wardrobe, a new car, the latest mobile phone. We're rarely applauded for intentional spending, choosing to save, or delaying gratification. But there are long term consequences to continuing down an emotional spending path. Karen Eley is a Financial Coach and not only discusses Emotional Spending but pro...

We all know that getting our money to working harder is a good thing! But investing can seem complicated and risky or only for the rich. No longer! Technology has brought quality investing within the reach of most of us. But how do you get started? What types of investments are available to you in the modern world? What are your barriers to you starting to invest? This week we chat to Gen Frost, f...

Where do you start when searching for a Financial Adviser that is right for you and your needs? Well look no further. Adviser Ratings is a website that is "the Travel Adviser of Financial Advisers". The site itself is a wealth of information, allowing you to search for advisers in your area and assess them based on your own preferences, such as, gender, skills, education/qualifications and the typ...

The End of Financial Year has passed us again. Were you well organised this time around? Did you feel like you should have been more prepared? Well here is your chance to get yourself well organised for THIS financial year. In the first of our Start of Financial Year (SOFY) episodes , we discuss Superannuation contributions with Natallia Smith. Natallia is a Financial Adviser and is the owner of T...

Setting and achieving goals is not easy. We fail many more times than we actually succeed. Why does this happen? Tim discusses a few reasons why goals fail and provides the 'Why, What, How & When' framework to goal setting. Simon's SMART Goal framework https://bit.ly/3vEosu0 Wellineux's JOM Values Booklet https://bit.ly/36kb6tt

Understanding the Aged Care system can be daunting. Often it is complex and confusing. There are big decisions to be made at a time when families are feeling emotional and vulnerable. This week we talk to Louise Biti, co-founder and Director of Aged Care Steps, the leading business supporting professionals to implement advice solutions into their advice businesses in the areas of aged care and oth...

Divorce is a major life changing event. It can be a highly emotional time and one of high uncertainty. Whilst dealing with these elements, those going through a divorce are making big, permanent decisions. It is no wonder that it can take a big mental toll on people, and also influence the level of co-operation amongst parties. Jordan Vaka is a Financial Adviser and his business, Planning Solo, sp...

Do you ever wonder whether you should make an effort to better understand the economic data that is part of our daily news? Wonder if there is an easy way to better understand this data and how it might affect your day to day life? Then this episode is for you. This week we chat to Brian Parker, Chief Economist of one of Australia's largest super fund, Sunsuper. Brian agreed to chat about how spec...

How a flow mindset can help you achieve your goals, and how you can get it. "Flow" is something that is highly sought after. Athletes pay sport psychologists big money to help them find and replicate flow in their mindset. We are told that if we "go with the flow" that things will work out naturally in our favour. So what is flow? Flow is used to describe a state of mind where we are fully immerse...

Evidence is mounting that women are feeling the impacts of COVID-19 more than men. Mothers are hardest hit. They have borne the brunt of increases in the volume of domestic labour, unequal labour in the home and, in particular, periods of homeschooling during various lockdowns and school closures. Samantha Sutherland Consulting decided to survey 1,296 people about their domestic load, their work h...

This week we chat to Steph Geddes. Steph is a Registered Nutritionist and works with brands, products and people with her culinary creativity and passion for eating seasonal nutritious food. Body Good Food is a space where she provides inspiration and education for bringing balance and enjoyment to healthy eating and all things nutrition. Body Good Food website: https://bit.ly/3vSUOkX Body Good Fo...