Weaving Gold | A Money Podcast

In this listener question episode, Nathan and Jordan unpack a complex scenario: a long marriage, an amicable separation under one roof, and a defined benefit pension. What happens if one partner passes away?  How do reversionary pensions work, and what actually counts as a "spouse" under superannuation law? They explore the grey areas, the role of trustees, and why there's rarely black-and-white c...

Have you got a Self-Managed Super fund, but don't fully understand the rules? Self-Managed Super Funds can give you more control; but they also come with serious responsibilities.  In this episode, Nathan and Jordan unpack what it really means to be a trustee. From the duty to act with honesty and diligence, to the sole purpose test, to record-keeping and audits, they explain the key obligations a...

Fresh from a divorce settlement and thinking about a new car?  Nathan and Jordan unpack the financial and emotional factors to consider when answering a question from a listener, from the independence a new car can bring to the real cost of loans and novated leases.  They explore opportunity cost, budgeting, dealership traps, and how to decide what's right for your situation. Nathan : advice@natha...

When can you access your super, and how does that interact with the age pension?   In this episode, Nathan and Jordan respond to a listener question about using super to pay off a mortgage and the impact on pension eligibility.   They clarify the difference between accessing super and qualifying for Centrelink payments, explain conditions of release, and break down the asset and income tests. A pr...

In this episode of Weaving Gold , Nathan and Jordan walk through the real stages of separation—before, during, and after—and explain exactly how a financial adviser can support women at each point. From those first confidential calls ("Can I even do this?") through to preparing for mediation and rebuilding life after settlement, they outline the practical and emotional role advice can play. This e...

The shift to residential care is often seen as a loss—but new reforms aim to make staying at home not only possible, but practical and empowering. In this episode, Nathan and Jordan unpack the upcoming Support at Home changes coming this November. They explore how care will be delivered, what services will be available, and how funding will work across clinical, independence, and daily living supp...

Every July, your feed fills with super funds boasting about last year's returns. But what do those numbers really mean—and should you switch funds based on them? In this episode, Nathan and Jordan unpack what super fund performance figures leave out, how to tell if your fund is actually performing well, and how to spot misleading marketing tactics. Plus, they explore risk levels, fund labels, and...

Big changes are coming to residential aged care in Australia from November 1st, 2024—and for many families, that means paying more. In this episode, Nathan walks Jordan through the updated fee structure, including the introduction of the hoteling contribution, RAD retention, and a complete overhaul of the means-tested care fee (now called the non-clinical care contribution). They break down how th...

When people imagine retirement, they often picture beaches, golf courses, or caravanning adventures. But once the novelty wears off, many retirees face a quieter question:  Now what? In this episode, Nathan and Jordan talk about the reality of retirement beyond the finances—how it affects your sense of self, your relationships, and how you spend your days.   Nathan : advice@nathanfradley.com.au ww...

Being appointed as someone's Power of Attorney can feel like an honour—but it's also one of the most legally and emotionally complex roles you can take on. In this episode, Nathan and Jordan dive into what it really means to manage another person's finances, especially when that person is vulnerable or in care. They unpack the tricky balance between honouring someone's wishes, acting in their best...

Divorce isn't a single step—it's a process with emotional, legal, and financial components. In this episode, Nathan and Jordan unpack the Australian divorce process, from the administrative end of a marriage to the tricky world of dividing property and co-parenting. They explore DIY agreements, mediation, collaborative divorce, and litigation, highlighting where financial advice fits in along the...

Supporting your adult children financially can feel like the right thing to do—especially when the world feels harder for them than it was for you. But how do you help without sacrificing your own security, peace of mind, or retirement plans? In this episode, Nathan and Jordan dive into one of the most emotionally loaded topics they encounter in client conversations: helping the kids. They explore...

When most people think about estate planning, they think about the will. But the truth is, your will might not control as much as you think — especially if you're in a blended family, second relationship, or own assets jointly. In this episode, Nathan and Jordan unpack the most common traps they see when clients assume their will handles everything. They explore key issues like the difference betw...

What happens when your mum or dad needs residential aged care—but they don't own a home or have any savings? It's a situation that many Australian families face, and it can feel overwhelming. In this episode of Weaving Gold , Nathan Fradley and Jordan Vaka unpack how the aged care system supports people with limited means and what you need to know to make sure your parent gets the care they deserv...

In this episode of Weaving Gold , Nathan Fradley and Jordan Vaka explore a powerful framework for thinking about money—not just as numbers in a bank account, but as resources flowing through four distinct dimensions of life. Whether you're running a business, supporting adult children, planning for retirement, or feeling the pull to give back, this conversation introduces the idea of seeing your w...

In this episode, Nathan Fradley and Jordan discuss the complexities of asset division during divorce, emphasizing the importance of understanding the negotiation process, maintaining empathy, and focusing on individual needs rather than strict percentages.   They explore how to approach asset division thoughtfully, considering both financial and emotional aspects, and provide practical advice for...

In this episode, Nathan Fradley and Jordan discuss the complexities of having parents move in with their adult children. They explore the emotional and financial implications, the potential for conflicts of interest, and the importance of clear communication and agreements. The conversation also covers granny flat arrangements, the necessity of professional guidance, and how to navigate family dyn...

This episode discusses the critical aspects of death benefits in superannuation, focusing on the importance of updating beneficiary nominations to avoid unintended consequences, such as leaving benefits to an ex-spouse. The conversation covers the mechanics of beneficiary nominations, the implications of tax dependents, and the integration of superannuation with wills to ensure that assets are dis...

In this episode, Nathan Fradley and Jordan discuss the complexities of capital gains tax, particularly in relation to property sales and how individuals can strategically reduce their tax liabilities through superannuation contributions. They explore the differences between concessional and non-concessional contributions, the importance of understanding tax implications, and the potential risks as...

In this episode, Nathan Fradley and Jordan Varka explore the complex decision of whether to pay off a mortgage using superannuation.   This is a common question for financial advisers, balancing the financial aspects: t he fundamentals of superannuation, preservation age, tax implications, and with the personal and emotional considerations such as work stress or financial pressure or lifestyle cre...

Summary This episode provides an introductory overview of aged care in Australia, discussing the different types of aged care services, the assessment process, and the financial implications involved. The conversation highlights common misconceptions about aged care, the importance of home care, and the emotional challenges families face when making decisions about care for their loved ones.   Tak...

In this episode, Nathan Fradley and Jordan Vaka discuss the emotional and practical aspects of navigating life after separation or divorce. They emphasize the importance of understanding the grief process, making strategic decisions, and the role of professionals in guiding individuals through this challenging time. The conversation highlights the significance of visualizing life after separation,...

An short introductory episode, where our hosts Nathan and Jordan take you through what you can expect from this podcast, and why they wanted to make it.    Nathan : advice@nathanfradley.com.au www.nathanfradley.com.au Jordan : jordan@planningsolo.com.au www.planningsolo.com.au   The information contained in this podcast is general in nature and does not take into account your personal situation. Y...

In this episode of Weaving Gold, Nathan Fradley and Jordan Vaka discuss the importance of financial communication in relationships. They explore how understanding each partner's money mindset and division of labour can prevent conflicts and promote harmony. The hosts emphasize the need for couples to be aware of their financial situation, set goals together, and navigate difficult conversations wi...