Episodes
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Joining Glen for another Q&A is Justin Bott from Services Australia! In this episode they touch on:
π does Centrelink look back at your bank accounts and assets from the five years before you turn 67?
ππΌ what happens to your Jobseeker payment if you access super between age 60 and 67
ππ½ can older Australians who've never owned a home access the Help to Buy scheme?
ππΎ will my 25-acre hobby farm affect my age pension eligibility?
ππΏ DSP vs age pension at 67 - do you have to transfer and should you?
ππ» what is deeming?
π how does Services Australia assess defined benefit pension income
ππΌ what happens to my defined benefit pension if I die?
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
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This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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In this episode Glen sits down with independent financial adviser, Andrew Saikal-Skea to answer your questions about money & retirement and the military. They talk about:
ππ» the compulsory retirement age
π defined benefit schemes & how they differ from super
ππΌ the MSBS (Military Superannuation and Benefits Scheme)
ππ½ the DFRDB (Defence Force Retirement and Death Benefits Scheme)
ππΎ ADF cover & super
ππΏ retirement planning if you continue working after 60
ππ» common MSBS money mistakes
ππΎ the $1000 financial advice allowance
ππ½ tax on MSBS
π reversionary pensions
ππΌ how does a defined benefit scheme affect your transfer balance cap
ππΏ how does it work if you receive 2 defined benefit pensions
ππ» structuring your defined benefit pension with a civilian super pension
π a question about meeting the super condition of release
Andrew's website: https://www.saikal-skea.com.au/
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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Missing episodes?
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Glen James is joined again by Justin Bott, Community Information Officer at Services Australia for a deep dive into:
π 5 common misunderstandings about Centrelink & the age pension
ππΌ the Home Equity Access Scheme (HEAS) and how it works
ππ½ is my pension affected if my adult kids still live at home and pay board or rent?
ππΎ Centrelink and international pensions
ππΏ retiring overseas and age pension eligibility
ππ» coming home to retire in Australian and age pension eligibility
π applying for the age pension while closing a business
ππΌ organising an aged care assessment for a parent or loved one
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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This episode was recorded on 18 June 2026. Glen is joined in the studio by Gemma Dale, Investor Behaviour and Markets Specialist at nabtrade and host of the Your Wealth podcast to cover:
ππΏ the SpaceX IPO
ππ» a review of the ASX 200 and S&P 500
π a sector-by-sector breakdown of what's actually been happening under the hood
Learn to invest with Glen's award-winning investing book, The Quick-Start Guide to Investing: https://www.investingbook.com.au/
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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In this "what would Glen do" episode, Glen sits down with Sue who is 54 for a retirement health check following her husband's sudden passing. They touch on:
π Sue's financial snapshot
ππΌ Glen's sound financial house framework
ππ½ savings, super & housing situation
ππΎ car situation
ππΏ Sue's share portfolio
ππ» considerations - helping kids & grandkids & should Sue get solar on the house?
π what would Glen do?
Need a system to manage your money? Check out the free Glen James Spending Plan
6 ways to invest for kids: https://www.moneypodcast.com.au/blog/investment-for-kids-6-ways-to-invest-for-your-kids
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
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Living overseas or thinking about it? In this episode Glen is joined by Brett Evans, financial adviser & managing director at Atlas Wealth to answer all your money questions. Brett also shares about what life has been like for him and his family during the Middle East conflict. They cover:
ππΌ paying HELP debt on overseas income
ππ½ repatriating after many years overseas (US citizens vs non-US)
ππΎ managing tax obligations whilst overseas
ππΏ managing super and international pensions
ππ» investing, contributing to super & holding life insurance as an expat
π setting up a new super account and TFN whilst abroad
ππΌ retiring in another country and tax on account-based pensions
ππ½ choosing which country to be a tax resident of
ππΎ visa and money requirements for different countries
ππΏ managing currency risk when moving retirement money between countries
Brett's book, The Expat's Handbook is available here: https://amzn.to/4uOKlWt
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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Divorce and separation can be challenging at any stage of life, but the financial impact can be even greater when retirement is on the horizon. In this episode, Glen is joined by financial adviser and certified divorce coach Dominique Bergel-Grant to unpack the realities of "grey divorce" and what it means for your retirement plans. They touch on:
π what is 'grey divorce'?
ππΌ what certification/study is needed to become a divorce coach
ππΎ what it looks like to engage Dominique if considering divorce
ππΏ helping clients navigate conversations with their partner
ππ» the first step for engaging Dominique
ππ½ how can parents protect the family wealth in the event of their child's relationship breakdown?
π what if my partner is part of a family trust?
ππΌ navigating different financial personalities in marriage
ππΎ navigating divorce & estate planning as a couple without kids
ππΏ Glen and Dominique's biggest advice for someone separating near retirement
Learn more at https://www.navigateyourdivorce.com.au/
Subscribe to Retire Right on YouTube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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Since November 1, Australia's aged care system had a major overhaul. Glen sits down with Nathan Fradley from Fradley Advice to cut through the acronyms and break down what families with aging parents actually need to know. They cover:
π why aged care doesn't start with a nursing home and the first step families should take
ππΌ what does RAD actually mean?
ππ½ the new November 1 rules
ππΎ other aged care fees explained
ππΏ what if only one parent needs to enter care?
ππ» the importance of sorting your power of attorney before there's a crisis
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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In this Q&A Glen James and financial adviser Nathan Fradley chat about:
π catch up concessional contributions: how they work and the $500k super threshold
ππΌ can you withdraw from super to get under $500k and put it back in?
ππ½ term deposits inside super: are they safe?
ππΎ does the government's $250k bank guarantee apply inside super?
ππΏ how much to keep in super? $1M in super + $500k in shares at age 55
ππ» reportable super contributions and the Centrelink income test
ππ½ how the ATI (adjusted taxable income) add-back impacts eligibility for Centrelink benefits
π is it a red flag if an investment fund is closed to new investors?
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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Thanks for listening to our 2026 Federal Budget show! You can watch it on Youtube here: https://www.youtube.com/@RetireRightAus. All filmed on Wednesday 13 May 2026
2.38 - Jim Chalmers - Treasurer
13.40 - Glen James and Vince Scully budget breakdown
47.23 - Allegra Spender (Ind.)
53.25 - Larissa Waters (Australian Greens Leader)
1 hr 4mins - Jane Hume (Deputy Leader of the Opposition (Lib.))
1hr 12 mins - Phil Coorey (Australian Financial Review)
1hr 24 mins - Patricia Karvelas (ABC Afternoon Briefing & Party Room / Politics Now podcasts)
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
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The latest ASFA figures say a couple needs $730k in super to retire comfortably at 67, but what do those numbers actually include, and are they right for your situation? In this episode Glen and financial adviser Nathan Fradley unpack the data, challenge the assumptions and walk through Nathan's updated heat map showing how your super balance and age pension interact to produce income in retirement. They touch on:
ππ» Nathan's retirement model and what that means for how much you need to save
ππΌ ASFA's comfortable vs modest retirement standards
π why the numbers don't stack up for a lot of renters
ππ½ what does βcomfortableβ and βmodestβ actually include?
ππΏ what assumptions is the modelling based on?
ππΌ how much super do you need? ASFA's numbers vs Nathan's modelling
ππ» Nathan's updated heat map: super, pension & income sweet spots
π Glenβs closing thoughts
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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In today's episode Glen is joined by Nathan Fradley from Nathan Fradley Advice to tackle your community questions:
π I'm using Gemini AI for financial planning and it seems good, is it safe, and should I trust it?
ππΌ Tamara asked how much do I need to retire on $80K/yr for my situation?
ππ» Glen puts Tamara's question into ChatGPT, Gemini and Claude & they weigh in on what AI got right and what it missed
ππ½ Nathan illustrates his retirement drawdown framework
ππΎ with a TTR split 75% growth and 25% cash, can I nominate which bucket my pension payments come from?
ππΏ I'm 56, own a small unit and have 800K across super and cash, can I retire now?
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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In today's episode Glen is joined by Vince Scully, Portfolio Manager at Life Sherpa Invest to tackle one of the most talked about topics in finance: the cost of financial advice. Glen and Vince break down:
π the biggest myths about adviser fees
ππΌ listener question: a $6k re-contribution strategy - was it worth it, and why can't the adviser answer a quick question without re-engaging?
ππ½ the three types of advice: factual information, general advice and personal advice explained
ππΎ listener question: TTR setup charged as extra outside an existing fixed annual fee, is this normal?
ππΏ real cost breakdown: income vs expenses for an advice business
ππ» intra-fund advice explained and what an independent financial adviser actually means under Australian law
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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In this episode, Glen and Vince Scully, Portfolio Manager from LifeSherpa Invest tackle one of the biggest questions in retirement planning: is your super actually safe? They touch on:
π how super is structured and protected
ππΌ the three layers of a superfund
ππ½ when SMSF investments go wrong and who's really to blame
ππΎ why super fund failures happen: the Trio/Astara case explained
ππΏ how the First Guardian and Shield collapse happened
π can we trust financial advice?
ππΌ what to ask your adviser or fund to avoid fraud or bad products
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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In today's Q&A, Glen and financial adviser Martin McGrath from Financial Edge Group discuss your questions about:
π pros & cons of starting a pension at 65
ππΌ transfer balance cap & recontribution strategy
ππ½ should I put savings into super before retiring?
ππΎ moving back to Australia for the age pension
ππΏ borrowing against home equity to invest
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.
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In this episode, Glen James and financial adviser Martin McGrath go under the hood on investment bonds and unpack:
π what is an investment bond
ππΌ how tax works
ππ½ the rules
ππΎ using investment bonds for kids and grandkids
ππΏ the advantages
ππ» personal investing vs super vs investment bond
π high-income earner case study
ππΌ using investment bonds for education purposes
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If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donβt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
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In this episode, Glen James and Nathan Fradley answer community questions:
π should Donna keep her money in super or in her transition to retirement account?
ππΌ should Chris drip feed $15k into super, time the market or just put it in?
ππ½ will moving super to pension mode affect Debbie's JobSeeker payment?
ππΎ and what changes if youβve got an SMSF
ππΏ what happens to a reversionary pension when your spouse dies?
Listen to episode 410 on TTRs here: https://shows.acast.com/retire-right/episodes/410
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.
Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose
to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313.
Hosted on Acast. See acast.com/privacy for more information.
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In this episode Glen is joined by financial adviser Nathan Fradley to discuss what an annuity is and how it works. They cover:
ππΌ what are annuities and why are they incentivised
ππ½ how they work
ππΎ Centrelink concessions
ππΏ a practical example case study
ππ» will I be better off by using an annuity?
π does the payment increase?
ππΌ who do they help
ππ½ downsides to consider
π The Quick-Start Guide to Investing by Glen James and Nick Bradley: https://www.investingbook.com.au/
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.
Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose
to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313.
Hosted on Acast. See acast.com/privacy for more information.
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Nathan's Uber driver has his retirement plan sorted! Is it a good one or does it have some holes? Glen and Nathan chat about this case study.
π the Uber driver's current situation
ππΌ his retirement plan
ππ½ questions that need clarifying
ππΎ Nathanβs thoughts
ππΏ projected financial situation & considerations at age 67
ππ» using an equity release or reverse mortgage
π what would Nathan's advice be
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.
Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose
to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313.
Hosted on Acast. See acast.com/privacy for more information.
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In this episode Glen chats with career transition expert Robyn Greaves, author of Your Third Chapter, about why traditional retirement doesn't work for everyone and the other options available. They touch on:
π is retirement an outdated myth?
ππΌ the concept of "unpacking before repacking"
ππ½ living life on your own terms
ππΎ why Robyn says traditional retirement is a health hazard
ππΏ planning your transition to the third chapter
ππ» navigating the reality of financial pressure in later life
π the 5D framework from Robyn's book
ππΌ Robyn's final thoughts on thriving later in life
Robyn's book, Your Third Chapter: https://amzn.to/4rUZZhJ
Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If youβd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help
Sign up to the Retire Right newsletter here: https://email.retireright.com.au/
π‘ Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.
Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose
to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313.
Hosted on Acast. See acast.com/privacy for more information.
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