Retire Right

416 What to ask to avoid bad financial products & why some funds collapsed

Wed, 15 Apr 2026 19:10:00 GMT

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:

👉 how super is structured and protected

👉🏼 the three layers of a superfund

👉🏽 when SMSF investments go wrong and who's really to blame

👉🏾 why super fund failures happen: the Trio/Astara case explained

👉🏿 how the First Guardian and Shield collapse happened

👉 can we trust financial advice?

👉🏼 what to ask your adviser or fund to avoid fraud or bad products

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If you’d 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

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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 don’t 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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415 Super strategies at 65, moving back to Australia for the pension & borrowing to invest

Wed, 08 Apr 2026 19:10:00 GMT

In today's Q&A, Glen and financial adviser Martin McGrath from Financial Edge Group discuss your questions about:

👉 pros & cons of starting a pension at 65

👉🏼 transfer balance cap & recontribution strategy

👉🏽 should I put savings into super before retiring?

👉🏾 moving back to Australia for the age pension

👉🏿 borrowing against home equity to invest

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

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414 Investment bonds: the 125% rule, tax-free access & when to use them

Wed, 01 Apr 2026 18:10:00 GMT

In this episode, Glen James and financial adviser Martin McGrath go under the hood on investment bonds and unpack:

👉 what is an investment bond

👉🏼 how tax works

👉🏽 the rules

👉🏾 using investment bonds for kids and grandkids

👉🏿 the advantages

👉🏻 personal investing vs super vs investment bond

👉 high-income earner case study

👉🏼 using investment bonds for education purposes

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413 TTR or not, timing contributions, JobSeeker rules & death benefit pensions

Wed, 25 Mar 2026 17:10:00 GMT

In this episode, Glen James and Nathan Fradley answer community questions:

👉 should Donna keep her money in super or in her transition to retirement account?

👉🏼 should Chris drip feed $15k into super, time the market or just put it in?

👉🏽 will moving super to pension mode affect Debbie's JobSeeker payment?

👉🏾 and what changes if you’ve got an SMSF

👉🏿 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 you’d 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

🏡 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.

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.

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412 Annuities explained: how they work, Centrelink boosts & retirement income

Wed, 18 Mar 2026 18:10:00 GMT

In this episode Glen is joined by financial adviser Nathan Fradley to discuss what an annuity is and how it works. They cover:

👉🏼 what are annuities and why are they incentivised

👉🏽 how they work

👉🏾 Centrelink concessions

👉🏿 a practical example case study

👉🏻 will I be better off by using an annuity?

👉 does the payment increase?

👉🏼 who do they help

👉🏽 downsides to consider

📘 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 you’d 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

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To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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411 Smart or risky? Is this Uber driver's retirement plan genius or a disaster?

Wed, 11 Mar 2026 18:10:00 GMT

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.

👉 the Uber driver's current situation

👉🏼 his retirement plan

👉🏽 questions that need clarifying

👉🏾 Nathan’s thoughts

👉🏿 projected financial situation & considerations at age 67

👉🏻 using an equity release or reverse mortgage

👉 what would Nathan's advice be

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

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To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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410b How to thrive in your 50's, 60's and beyond

Sun, 08 Mar 2026 18:10:00 GMT

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:

👉 is retirement an outdated myth?

👉🏼 the concept of "unpacking before repacking"

👉🏽 living life on your own terms

👉🏾 why Robyn says traditional retirement is a health hazard

👉🏿 planning your transition to the third chapter

👉🏻 navigating the reality of financial pressure in later life

👉 the 5D framework from Robyn's book

👉🏼 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 you’d 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

🏡 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.

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410 Transition to retirement (TTR) pensions and strategies

Wed, 04 Mar 2026 18:10:00 GMT

In today's episode Glen is joined by financial adviser Nathan Fradley to unpack what a transition to retirement pension is and how it works. They cover:

👉 what a TTR is and what it's used for

👉🏼 examples of how it works in practice

👉🏽 some TTR strategies - maxing super contributions, property settlement & more

👉🏾 using a TTR pension with a wrap account

👉🏿 can you add to a TTR?

👉🏻 some things to consider when using a TTR

Nathan's website: https://www.nathanfradley.com.au/

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

🏡 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.

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409b War in the Middle East: what to do with your retirement savings

Mon, 02 Mar 2026 06:16:00 GMT

Share markets get choppy during global conflicts, pandemics and presidential tweets, and people with good intentions can make bad and irreversible decisions with their super. If you are thinking "should I move my super to cash?" to protect your nest egg and stay safe, this episode is for you. Glen and Vince Scully from Life Sherpa Invest unpack this important question.

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

🏡 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.

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409 When to reduce life insurance, why price can't be the main driver, self-insuring, claims + more

Wed, 25 Feb 2026 18:10:00 GMT

In today's life insurance Q&A, Glen James is joined by Phil Thompson from Skye Wealth to answer questions from the Retire Right Facebook group. They touch on:

👉🏼 what to ask at your insurance review

👉🏽 when does life insurance become unnecessary?

👉🏾 affordability vs need, should you dial down or cancel?

👉🏿 what's the role of a broker/adviser at claim time?

👉🏻 when does income protection stop and TPD start?

👉 how to protect yourself if you’re uninsurable or self-insuring

👉🏼 premium rises after age 60 - cancel or reduce cover?

👉🏽 what can I do to compare life insurance policies myself?

👉🏾 where to find claim acceptance rates by insurers

This Q&A is continued in the Retire Right Facebook group: https://www.facebook.com/groups/retireright/posts/1239513388106943

Book a free 15min complimentary chat with the Skye Wealth team at https://skye.com.au

Check out the episode with Phil on money money money here: https://youtu.be/xCD-STG8sKI

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

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.

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408 Retiring before 65, super vs shares at 60, contribution decisions and buying a caravan

Wed, 18 Feb 2026 18:10:00 GMT

In this episode Glen James and Martin McGrath discuss questions from the community about:

👉🏼 why we don't have financial modelling for retiring pre-65

👉🏽 borrow money to buy caravan or wait 4 years until access to super

👉🏾 super and share strategy advice at age 60

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

🏡 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.

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407 Bucket strategies, market crashes, super risk levels & does property beat super in retirement?

Wed, 11 Feb 2026 18:10:00 GMT

Glen and Martin unpack questions from the Retire Right Facebook community touching on:

👉 how a bucket strategy works

👉🏼 bucket strategy with a defined benefit pension

👉🏽 is investing in super or property safer in retirement?

👉🏾 market crash, correction and bear market terms explained

👉🏿 moving from accumulation to pension phase & tax

👉🏻 selling an investment property in retirement & a tax strategy

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

🏡 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.

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406 Centrelink assets, market volatility, comparing super funds, paying off the mortgage + more

Wed, 04 Feb 2026 18:10:00 GMT

In this community Q&A, Glen and Martin chat about:

👉 selling investment property in retirement & putting in super

👉🏼 Centrelink assets and exemptions

👉🏽 market volatility and switching to low risk

👉🏾 mortgage repayments vs super in your 50s

👉🏿 how to compare super fund performance

👉🏻 long service leave - lump sum vs taking leave over time

Note: Glen mentions the RBA cash rate in this episode which was recorded before the Feb 2026 RBA rate rise.

Buy tickets to the Auckland show here: https://bit.ly/4a8v4a2

Read Long Service Leave at Retirement, Lump Sum or Regular Payments: https://www.financialedgegroup.com.au/blog/long-service-leave-at-retirement-lump-sum-or-regular-payments

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

🏡 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.

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405 Die with zero and the mental shift required from saving to spending

Wed, 28 Jan 2026 18:10:00 GMT

You can save for decades and still struggle to spend. Glen James and Vince Scully break down the concept of "dying with zero", the mental shift required in retirement and why advice fees often feel harder than they should.

👉🏼 you can save for decades and still struggle to spend

👉🏽 why switching from saving to spending feels so hard

👉🏾 real retiree case study: mindset blocks

👉🏿 why advice fees feel harder than they should

👉🏻 monthly costs vs total wealth thinking

👉 what the die with zero concept actually means

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

🏡 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.

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.

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404 Investing in property after age 50: lending rules, risk, cash flow & super traps

Wed, 21 Jan 2026 18:10:00 GMT

Thinking about buying property in your 50s or 60s? In this episode Glen is joined by buyer’s advocate John Pidgeon to break down what actually matters when buying property later in life. They touch on:

👉 an introduction to John Pidgeon

👉🏼 can you still buy property after 50?

👉🏽 lending for older folk

👉🏾 case study: securing an IP loan against your PPOR using equity

👉🏿 time in the market vs timing the market

👉🏻 what are your risk levels & pursuing a yield vs growth strategy

👉 should I buy property with my super?

👉🏼 John’s final tips

John's book, Sort Your Property Out & Build Your Future: https://www.sortyourpropertyout.com/

this is property podcast: https://www.youtube.com/@thisisproperty

John's property coaching website: https://www.solverewealth.com.au/

John's buyer's agent service: https://www.envisageproperty.com.au/

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

🏡 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.

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403 Living, moving or want to retire overseas? investing, super and tax as an Aussie expat

Wed, 14 Jan 2026 18:10:00 GMT

Brett Evans, founder of Atlas Wealth, joins Glen to chat about all things expat! They touch on:

👉🏼 a little about Brett, his work in the expat space

👉🏽 how does tax work while living and working overseas?

👉🏾 moving to Malta - how does this affect my age pension + tax?

👉🏿 if moving overseas for retirement, do you need to keep an Aussie bank account?

👉🏻 living in Singapore but repatriating - sell my investment properties in Australia?

👉 returning to Australia after 25 years, what do I prepare?

👉🏼 how to prepare a will while living overseas

👉🏽 will you lose Centrelink benefits if you move overseas?

👉🏾 they address a quick listener case study

👉🏿 some quick rapid fire expat questions

Check out Brett's book, The Expats Handbook: https://amzn.to/4pGmrsZ

Check out Atlas Wealth: https://atlaswealth.com/au/

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d 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

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

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.

402 Rent or buy during retirement (a real case study)

Wed, 07 Jan 2026 18:10:00 GMT

In today's episode Glen and financial adviser Nathan Fradley unpack a real and confronting retirement case study about 69 year old Anne*, a recently widowed retiree whose financial and housing security was devastated through elder financial abuse by a family member. She now faces the question: rent, buy or another solution?

*Name changed for privacy

👉🏾 the case study & backstory to Anne’s current circumstances

👉🏻 challenges, goals & questions

👉 Centrelink asset rules & pension impacts

👉🏼 considerations for complex situations

👉🏽 the renting scenario & numbers

👉🏾 the buying scenario & numbers

👉🏿 retirement village scenario

👉 granny flat arrangement scenario

👉🏻 projections for aged care costs at age 80 for each scenario

Watch Retire Right on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

If you’d 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

🏡 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.

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401 The ultimate pre-retirement checklist

Wed, 31 Dec 2025 18:10:00 GMT

Glen and Martin discuss the essential ways to prepare 10 years out from retirement.

👉🏾 review and pay down debt

👉🏿 know your numbers

👉🏻 living arrangements

👉 start thinking about lifestyle goals

👉🏼 super investment options

👉🏽 review super beneficiaries & estate planning

👉🏾 mortgage strategy

👉🏿 gifting considerations

Download the free ebook, 10 things to master 10 years before retirement: https://www.retireright.com.au/download

Watch Retire Right on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

If you’d 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

🏡 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.

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351 private credit, investing for kids & moving shares into super (with Gemma Dale)

Wed, 24 Dec 2025 18:10:00 GMT

Glen & Gemma Dale answer investing questions from the Retire Right Facebook group, touching on:

👉 should I invest in listed private credit ETF for income in retirement

👉🏼 investing for kids for minimum 10 year timeframe

👉🏽 are there any tax benefits for selling shares before age 60 and putting in super?

👉🏾 is one vanguard international fund and one vanguard Australian fund enough?

Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/store

6 ways to invest for kids: https://www.moneypodcast.com.au/blog/investment-for-kids-6-ways-to-invest-for-your-kids

Check out Gemma's podcast Your Wealth wherever you listen to podcasts.

Watch Retire Right on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

If you’d 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

🏡 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.

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350 super: reversionary pensions, pay off mortage or salary sacrifice, downsizer vs non-concessional + more

Wed, 17 Dec 2025 18:10:00 GMT

In today's episode Glen James, Martin McGrath and Nathan Fradley answer your questions about super in retirement covering:

👉🏾 accessing super to help children buy a property

👉🏿 if I don’t spend all my compulsory pension drawdown, can I put the money back into super?

👉🏻 types of super beneficiaries explained & reversionary pension explained

👉 what actually happens to your super pension when your spouse dies?

👉🏽 can inheriting a pension push you over the transfer balance cap?

👉🏼 should you withdraw super at retirement to pay off your mortgage?

👉🏾 triggering access to the super at age 60 through change of employment

👉🏿 if you and your spouse pass at the same time how is a binding nomination handled?

👉🏻 use the downsizer contribution vs non concessional contribution via bring forward rule following the sale of your home

👉🏼 Martin and Nathan's advice around super

Check out Nathan's blog here: https://www.nathanfradley.com.au/blog

Watch Retire Right on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

If you’d 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

🏡 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.

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349 bucket strategy explained: super drawdown & investment allocation

Wed, 10 Dec 2025 18:10:00 GMT

Glen James, Martin McGrath and Nathan Fradley break down bucket strategies for retirement - how to build them, how to draw down from them and how your investment allocation should shift before and after you stop working.

👉🏾 bucket strategy - two different approaches to setting one up

👉🏿 rebalancing for income in pension mode using a bucket strategy

👉🏻 if you have money outside of super, do you still need cash inside super?

👉 the optimal time to setup a bucket strategy

👉🏼 asset allocation leading up to retirement

👉🏽 pros and cons of the mysuper lifestage superannuation option

Martin McGrath is a financial adviser at https://www.financialedgegroup.com.au/

Nathan Fradley is a financial adviser at https://www.nathanfradley.com.au/

Watch Retire Right on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

If you’d 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

🏡 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.

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348 Centrelink traps to avoid in retirement (Q&A with Justin Bott from Services Australia)

Wed, 03 Dec 2025 18:10:00 GMT

Justin Bott from Services Australia returns to the show to answer your Centrelink questions:

👉🏾 can you setup work reporting online?

👉🏿 how does Centrelink assess real estate bigger than 2 hectare

👉🏻 closing a business and applying for the age pension

👉 the assets test: how to price assets like jewellery and artwork

👉🏼 paying off the mortgage vs keeping funds in account based pension

👉🏽 inherited money from mum who wants $50k shared between grandkids. How does this impact Centrelink gifting rules?

👉🏾 downsizing & the 2-year exemption for home sale proceeds

👉🏿 job seeker rules & access to super if you're forced out of work before 67

👉🏻 eligibility for rent assistance when moving into a retirement village

👉 inheriting an 800k home, will I lose the pension?

👉🏼 the nominee arrangement

👉🏽 are super returns considered income or assets?

👉🏿 own an IP which still has a mortgage on it, how is the value assessed?

Watch Retire Right on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

If you’d 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

🏡 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.

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347b dying well: planning, caregiving & facing death with dignity

Sun, 30 Nov 2025 18:10:00 GMT

Casey Beros is a health journalist and author of Next of Kin: What to Expect When You're Expecting to Care for Someone You Love. In this chat Casey sits down with Glen and shares her personal story caring for her dad through terminal illness, the emotional and practical realities families face and how early conversations can protect your loved ones during one of life’s hardest chapters.

👉 what makes for a "good death"?

👉🏼 why Casey wrote Next of Kin

👉🏽 her experience becoming the primary caregiver for her dad

👉🏾 why caregiving is often uneven

👉🏿 Casey's dad's diagnosis + the journey after it

👉🏻 how to talk about death, wishes & responsibilities with family

👉 the unexpected richness in the final years

👉🏼 keepsake ideas

👉🏽 the role of a death doula

👉🏿 voluntary assisted dying options and process

Check out Next of Kin: https://amzn.to/4i84DVz

Connect with Casey: https://www.instagram.com/caseyberos/

Website: https://www.caseyberos.com/

Watch Retire Right on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

347 age pension updates, deeming rises, concession cards & the work bonus explained

Wed, 26 Nov 2025 18:10:00 GMT

Due to popular demand, Justin Bott from Services Australia returns to the show to chat with Glen about the major Centrelink changes, a 101 on concession cards + the work bonus. They talk about:

👉 indexation changes to pensions - what increased

👉🏼 how the assets test and income test actually work

👉🏽 what is deeming

👉🏾 the new deeming rates

👉🏿 benefits of deeming

👉🏻 Commonwealth Seniors Health Card - who’s eligible + the benefits

👉 Medicare safety net tips

👉🏼 applying for a commonwealth seniors health card

👉🏾 Seniors Card & Pensioner Concession card eligibility + benefits

👉🏿 Low Income Health Care card eligibility + benefits

👉🏻 the work bonus explained

👉 work bonus case study example

Watch Retire Right on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

If you’d 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

🏡 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.

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346 retiring with multiple properties (a real retirement case study)

Wed, 19 Nov 2025 18:10:00 GMT

Glen and Martin break down a real case study of a couple in their mid-50s with eight investment properties, $3M in debt and tight month-to-month cashflow. They unpack how selling strategically, using super effectively and reducing debt can turn a high-complexity portfolio into a clear plan toward retiring earlier with less stress and more income.

👉 the couple's situation

👉🏼 some considerations

👉🏽 Martin's advice strategies

👉🏾 tangible outcomes from the advice

👉🏿 cost of the advice

Watch Retire Right on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

Watch this is property on Youtube: https://www.youtube.com/@thisisproperty

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

345 retiring when you own a business: selling, tax, super and income strategy (a real case study)

Wed, 12 Nov 2025 18:10:00 GMT

In today’s episode, Glen and Martin unpack a real case study of a couple who recently sold their business, were ready to retire and sought financial advice. They had wealth tied up inside their company, money in super and some big decisions to make about how to create a reliable retirement income. They cover:

👉🏾 background of the couple and the business they sold

👉🏿 why business sale proceeds often remain inside the company

👉🏻 reviewing structure: company vs trust ownership

👉 the strategies implemented

👉🏼 setting up account-based pensions to create tax-free income

👉🏽 balancing investment risk inside super vs inside the company

👉🏾 setting up a wrap account and drawing dividends from the company

👉🏿 planning concessional super contributions

👉🏻 two ways to take money out from your company

👉 planning non-concessional super contributions

👉🏼 coordinating advice between accountant + financial adviser

👉🏽 long-term strategy: running down company funds over time

👉🏿 the advice outcomes

👉🏾 why you may not want to close the company immediately

👉🏻 Martin's cost for the advice (once-off and ongoing breakdown)

Watch this episode on Youtube: https://youtube.com/playlist?list=PLQW_VRWNC0jR1KQDXi5pcXwREjc0pde9L&si=zIMg1Vow9SOhug_Z

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

344 we don’t need a financial adviser! (a real retirement case study)

Thu, 06 Nov 2025 18:10:00 GMT

Glen and Martin break down a real retirement case study that started with a familiar line: “we don’t need an adviser, our affairs are simple!”. Upon changing their minds, the couple discovered thousands in tax savings, better investment structures and a bigger age pension.

👉 why some people think they don’t need financial advice

👉🏼 Charlie & Diane’s situation: 66 and 64, planning retirement soon

👉🏽 the advice strategies implemented

👉🏾 the advice outcomes ($8.5k net tax savings + $20k extra age pension)

👉🏿 projections of their assets & income over time

👉🏻 how much the advice cost and why it paid for itself

Watch this episode on Youtube: https://youtu.be/wXvu0-k6_qA

If you’d 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

🏡 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.

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343 retirement was never the goal, what Warren Buffet told him & navigating change (former CEO of 7-Eleven & Blockbuster)

Wed, 29 Oct 2025 18:10:00 GMT

Former 7-Eleven and Blockbuster CEO Jim Keyes joins Glen live from SXSW to share stories from leading two of the world’s most recognisable companies, the lessons that came from collapse, and his “three C’s” for success - change, confidence and clarity.

👉🏾 what retirement means to Jim & why he thinks it’s outdated

👉🏿 the idea of education is freedom and learning as compounding interest

👉🏻 leaving 7-Eleven, identity crisis & going to art school in Florence

👉 why he took on the CEO role at Blockbuster

👉🏼 myths about Blockbuster vs Netflix and what really caused the collapse

👉🏽 Buffett’s advice that helped Jim re-frame failure as part of the game

👉🏾 the meta skills (three C’s) that have fuelled Jim's success

👉🏿 how fear limits potential and how to re-train your brain to embrace risk

👉🏻 Jim shares his thoughts on writing Education Is Freedom

Sorry for the sound quality after 36 minutes, the audio interface crashed :(

Grab Jim’s book, Education Is Freedom: https://amzn.to/3JkwTaf

Connect with Jim on Instagram: https://www.instagram.com/jkeyesauthor/

If you’d 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

🏡 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.

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342 moving investments to cash, Glen’s guest has ‘no idea’, gifting equity to children + more

Wed, 22 Oct 2025 18:10:00 GMT

In today's episode Glen and Vince Scully from Life Sherpa discuss some hot topics that have been sparking chatter in the Retire Right Facebook group:

👉 gifting equity to your children to purchase a property

👉🏼 shifting investments to 100% cash

👉🏽 "Glen's guest is talking rubbish!"

👉🏾 can I open a second account-based pension?

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

If you’d 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

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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341 changes coming to the $3m super tax + big super fund wait times (Glen and Vince live from Sydney SXSW)

Wed, 15 Oct 2025 18:10:00 GMT

In today’s episode, Glen is joined by Vince Scully from LifeSherpa to unpack the latest shake up to the $3 million super tax proposal. They explain what’s changed and what it means for high and low-income Australians alike.

👉🏽 what’s actually changed in the $3m super tax

👉 why taxing unrealised gains was dropped

👉🏿 the LISTO increase and who benefits

👉🏽 why super fund wait times vary so much

👉🏼 what to look for in a good super fund

👉🏾 intra-fund advice explained

If you’d 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

🏡 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.

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340 money habits, marriage & making retirement work (with Joe Saul-Sehy live from Fincon)

Wed, 08 Oct 2025 18:10:00 GMT

Glen sits down with Joe Saul-Sehy from Stacking Benjamins live at FinCon in Portland, Oregon. They chat about the money lessons Joe learned the hard way, how to have better money conversations with your partner and more, touching on:

👉🏾 you can’t out-earn bad money habits

👉🏿 who you surround yourself with shapes your success

👉🏻 what makes a successful investor

👉 Joe's investing strategy

👉🏼 mindset around spending in retirement

👉🏽 Joe & his wife Cheryl's money meeting habit

👉🏾 important estate planning conversations to have with your partner

👉🏻 doing nothing is sometimes the best investing move

👉 Joe's advice for people who feel behind with their finances

Check out Stacking Benjamins 👇

Apple Podcast: https://podcasts.apple.com/au/podcast/the-stacking-benjamins-show/id650045209

Spotify: https://open.spotify.com/show/05GoIBt7Ka4nobVWOBsqlD?si=ffbddfea7430436f

If you’d 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

🏡 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.

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339 aged care case study: costs, funding strategies & changes from 1 Nov 2025

Wed, 01 Oct 2025 19:10:00 GMT

Need to move a parent or loved one into residential aged care? Glen James and financial adviser Nathan Fradley explain the four types of fees, what changes from 1 November 2025 and different ways to pay for aged care. They cover:

👉 the first steps in seeking aged care support

👉🏼 four key fees: accommodation (RAD/DAP), basic daily, means-tested & additional services

👉🏽 changes from 1 November 2025

👉🏽 why you don’t have to sell the family home straight away

👉🏾 updating Centrelink to avoid surprise bills

👉🏿 why lending money to a parent can backfire

👉🏻 case study: $1.6m home, $20k cash, $69k annual care costs

👉 options & strategies for funding aged care

👉🏼 strategies for couples when only one partner needs care

Connect with Nathan: https://www.nathanfradley.com.au/

Watch this episode on Youtube: https://youtu.be/Xg1tGdw8Y2s

If you’d 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

🏡 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.

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338 how much do you need to retire in Australia?

Wed, 24 Sep 2025 19:10:00 GMT

Glen James is joined by independent financial adviser Nathan Fradley to cover the big question: how much money do you actually need to retire in Australia? They cover:

👉 Centrelink income vs assets test

👉🏼 super balances vs pension payments

👉🏽 retirement psychology & fear of spending

👉🏾 ASFA standards for comfortable vs modest lifestyles

👉🏿 case studies: $500k, $1m and $2m portfolios

👉🏻 modelling returns, inflation & drawdown rates

👉 tips for the last 10 years before retirement

Nathan's website: https://www.nathanfradley.com.au/

Watch this episode on Youtube: https://youtu.be/qgsEdKGglOk

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

337 granny flat provisions explained: Centrelink rules, risks & case study

Wed, 17 Sep 2025 19:10:00 GMT

In this episode, Glen is joined by financial adviser Nathan Fradley to unpack the often-misunderstood “granny flat provision” also known as a granny flat interest or right. They chat about how Centrelink assesses these arrangements, when they can work well, a real case study, plus risks to watch out for. The cover:

👉 what a granny flat right actually is & how Centrelink assesses it

👉🏼 homeowner vs non-homeowner rules explained

👉🏽 the “reasonable test” and how much you can contribute

👉🏾 gifting vs deprived assets

👉🏿 real case study - Gail & Peter sell their home and move in with kids

👉🏻 benefits when the arrangement works well

👉 key risks - contracts, estate planning & family conflict

👉🏼 tricky scenarios (multiple kids, new partners, family law issues)

👉🏽 the five-year rule and what happens if arrangements end early

👉🏾 when granny flat provisions may or may not be right for you

Watch this episode on Youtube: https://youtu.be/9yMKFP4706s

Nathan's website: https://www.nathanfradley.com.au/

The case study: https://www.nathanfradley.com.au/post/an-introduction-to-using-granny-flat-rights

If you’d 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

🏡 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.

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336 timing the market, inheriting property & CGT, 6-year rule refresh & transfer balance caps

Wed, 10 Sep 2025 19:10:00 GMT

In this episode Glen and Martin unpack your questions:

👉 should you change your super investment strategy when the markets are volatile

👉🏼 inheriting property and CGT rules after 2 years

👉🏽 strategies to reduce tax when selling inherited property

👉🏾 how the 6-year rule works if you rent out your PPOR

👉🏿 what the transfer balance cap means in retirement planning

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

335 Centrelink work bonus test, member directed super options, partner that’s 7 years younger + more

Wed, 03 Sep 2025 19:10:00 GMT

In today’s episode, Glen and Martin unpack:

👉 how the Centrelink work bonus test works

👉🏼 member-directed super options like Choice Plus

👉🏾 their thoughts on DIY'ing your super investments

👉🏻 super strategies when one partner is 7 years younger

👉🏿 how much do you need to self fund in retirement?

If you’d 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

🏡 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.

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334 productivity roundtable, tax, housing, intergenerational wealth + more with Allegra Spender

Wed, 27 Aug 2025 19:10:00 GMT

The productivity commission roundtable was held last week in Canberra. To discuss what was on the table, Glen is joined by Allegra Spender, Independent Member for Wentworth, so you can stay up to date. They talk about:

👉 the context of the productivity commission roundtable

👉🏼 Allegra Spender's background and her current role

👉🏽 what the productivity commission roundtable was focused on

👉🏾 the training levy topic brought to the table

👉🏿 the building and construction code discussion

👉🏻 the topic of tax reform and the views shared

👉 intergenerational financial inequality

👉🏼 the housing crisis and what impacts it

👉🏽 what's next on the agenda?

This was recorded on Wednesday 27 August.

Here was the previous episode with Allegra Spender: https://shows.acast.com/my-millennial-money/episodes/638c

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

333 selling inherited shares, share brokerage terms, non-concessional contribution vs mortgage, downsizing property to super + more

Wed, 20 Aug 2025 19:10:00 GMT

In today's Q&A, Glen and Martin discuss:

👉🏻 should you sell inherited shares and buy ETFs? Plus SRN, HIN and CHESS sponsorship explained

👉 extra non-concessional contributions vs paying down the mortgage

👉🏼 can I still salary sacrifice up to the $30k cap even if my super balance is over $500k

👉🏽 retire with an IP or sell IP and put money in super?

Watch the 'money by age' mini-series here: https://youtube.com/playlist?list=PLQW_VRWNC0jTfzNGxPpfuwdot5SE5GMlj&si=rHczkiFPbiZReCsz

Subscribe to this is property: https://www.youtube.com/@thisisproperty

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

332 age pension deep dive - living on the pension (part 2)

Wed, 13 Aug 2025 19:10:00 GMT

In this 2-part mini series, Glen is joined by Justin Bott, a Community Information Officer from Services Australia to unpack everything around the Centrelink age pension. In part 2, Glen and Justin discuss what you need to know about living on the pension, touching on:

👉🏾 changes you must tell Centrelink within 14 days

👉🏿 how working affects your pension and tax

👉🏻 gifting limits and their impact on payments

👉 what deeming is and how it’s calculated

👉🏼 travelling overseas and the portability rules

👉🏽 how super interacts with your pension eligibility

Check out part 1 'getting ready to claim' here: https://youtu.be/gdUtPARt5I0

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

331 age pension deep dive - getting ready to claim (part 1)

Wed, 06 Aug 2025 19:10:00 GMT

In this 2 part mini-series, Glen is joined by Justin Bott, a Community Information Officer from Services Australia to unpack everything around the Centrelink age pension. In this episode Glen and Justin discuss preparing to claim. Stay tuned for next week where we cover living on the pension. In this episode they touch on:

👉 when to start preparing to claim

👉🏼 the benefits of chatting with a financial information service officer

👉🏽 assets and income eligibility

👉🏾 who's eligible for the commonwealth seniors health card

👉🏿 how and when to apply

👉🏻 how to access help with navigating digital services

You can contact the Financial Information Service on 132 300, ask for Financial Information Service or learn more at https://www.servicesaustralia.gov.au/financial-information-service

Free Financial Information webinars here: https://www.servicesaustralia.gov.au/financial-information-service-live-webinars

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

330 money in your 70's: simplify, optimise, enjoy

Wed, 30 Jul 2025 19:10:00 GMT

Your 70s are a time to enjoy life and set things up smoothly for the future. In this episode, Glen James and financial advisor Martin McGrath walk through what to consider in this decade of retirement. They talk about:

👉🏾 maximising age pension and seniors health card

👉🏿 considering funeral bonds and gifting strategies

👉🏻 managing pension income and super withdrawals

👉 simplifying finances and assets

👉🏼 re-contribution and downsizer strategies

👉🏽 updating your estate plan

👉🏾 giving with intention (before you die)

👉🏿 enjoying your wealth while you can

Check out all episodes in this money by age series: https://youtube.com/playlist?list=PLQW_VRWNC0jTfzNGxPpfuwdot5SE5GMlj&si=rHczkiFPbiZReCsz

Watch the episode 'when to cancel life insurance' here: https://youtu.be/6mGpbB3lcio

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

329 money in your 60's

Wed, 23 Jul 2025 19:10:00 GMT

Your 60s are all about fine-tuning your retirement game plan. In today's episode Glen and Martin cover the key financial moves to make during this decade, from topping up your super to planning how and when you’ll retire. They touch on:

👉 how to use concessional and non-concessional super contributions

👉🏽 transition to retirement (TTR) pensions explained

👉🏾 when to access super and pay off your mortgage

👉🏿 preparing for Centrelink and the age pension

👉🏻 gifting, travel and smart use of inheritance

🎥 Watch the YouTube version with visual slides: https://youtube.com/playlist?list=PLQW_VRWNC0jTfzNGxPpfuwdot5SE5GMlj&si=rHczkiFPbiZReCsz

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

328 money in your 50's

Wed, 16 Jul 2025 19:10:00 GMT

Your 50s are an exciting time to start laying the groundwork for a great retirement. In today’s episode, Glen and Martin cover:

👉 stopping extra mortgage repayments

👉🏼 topping up concessional contributions

👉🏽 checking that your investments align with your preferences

👉🏾 reviewing insurance as needs change

👉🏿 building your retirement vision

👉🏻 seeing your GP and doing health checks

👉 considering your aging parents

Check out all episodes in this money by age series on YouTube: https://youtube.com/playlist?list=PLQW_VRWNC0jTfzNGxPpfuwdot5SE5GMlj&si=rHczkiFPbiZReCsz

Watch the episode 'when to cancel life insurance' here: https://youtu.be/6mGpbB3lcio

If you’d 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

🏡 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.

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327 is my money safe with a super fund or financial adviser?

Wed, 09 Jul 2025 19:10:00 GMT

Worried about whether your super is safe? In this episode, Glen and Vince Scully from Life Sherpa dive into the structures behind super funds and financial advice, from industry funds and wrap accounts to red flags and diversification. They answer Angela's question from the Facebook group and unpack what to look for (and what to avoid) when deciding where to put your retirement savings. They talk about:

👉🏽 how super fund structures actually work

👉🏾 why diversification matters more than returns

👉🏼 signs of a trustworthy adviser or fund

👉🏿 red flags to watch for (cold calls, SMSFs, big promises)

👉🏻 why the “cheapest” fund isn’t always the best

Check out the episode about wrap accounts here - Youtube | Apple Podcast | Spotify

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

326 the key changes from 1 July 2025 and how they impact you

Wed, 02 Jul 2025 19:10:00 GMT

It’s the start of a new financial year and with that comes a bunch of changes that could impact your retirement planning. Glen and Martin unpack what’s changed from 1 July 2025 and what you need to watch out for before 30 June 2026. They cover:

👉🏽 super guarantee increase and how it affects your pay

👉🏾 transfer balance cap changes explained

👉🏼 new Medicare levy and HELP thresholds

👉🏿 why your 30 June super balance really matters

👉🏻 what to check before making super contributions or starting a pension

To see the slides for this episode watch it on YouTube here: https://youtu.be/JQAYWR01vTU

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

325 spouse super splitting, pension accounts for inheritance, motorhomes & Centrelink + more

Wed, 25 Jun 2025 19:10:00 GMT

In today's community Q&A, Glen James and Martin McGrath unpack:

👉 what is spouse super splitting and who would this strategy suit

👉🏼 can/should anon open a new pension account for an inheritance?

👉🏽 when to fill out a notice of intent to claim for a super contribution

👉🏾 can my motorhome be deemed my primary residence for Centrelink purposes?

If you’d 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

🏡 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.

324 when to cancel life insurance, do I still need it, how much do I need + more

Wed, 18 Jun 2025 19:10:00 GMT

If you’ve paid off the mortgage, the kids are grown, and retirement is on the horizon, you might be wondering... do I still need life insurance? In this episode, Glen and insurance adviser Phil Thompson from Skye Wealth dig into how to know if you're overinsured, how to reduce premiums without going cold turkey, and the real reasons people hang onto cover (even when they might not need to). Plus, when income protection and disability cover might still be worth it in your 50s and 60s.

Considering reviewing your insurance needs? Check out https://skye.com.au/

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

323 how the $3m super tax works and when it may impact you

Wed, 11 Jun 2025 19:10:00 GMT

Glen & Martin unpack how the proposed $3 million super tax (Division 296) actually works. They cover who’s likely to be affected, how the tax is calculated (including the controversial unrealised gains), and what options you might consider if you’re close to the threshold. Covered in the episode:

👉🏼 who the $3m tax applies to (and who it doesn’t)

👉🏽 how the tax is calculated—including unrealised gains

👉🏾 when this could start and why the date might shift

👉🏿 tax planning options: keep it in super or take it out?

👉 how this fits into broader estate planning strategies

Watch this episode on YouTube here: https://youtu.be/kbJDHgNEzgE

Watch the case study mentioned in the ep here: https://youtu.be/ip-gNbCiH6s

If you’d 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

🏡 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.

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.

322 understanding WRAP accounts for wealth accumulation & retirement

Wed, 04 Jun 2025 19:10:00 GMT

In this episode, Glen and Vince Scully break down WRAP accounts and how they can be used for wealth accumulation and retirement planning. They discuss their benefits, tax advantages and features, and how they provide greater control and flexibility compared to traditional superannuation funds. They also clear up common misconceptions and explain when a WRAP account may be beneficial based on your financial situation and retirement goals. Glen and Vince cover:

👉 what exactly is a WRAP account?

👉🏼 key benefits of WRAP accounts for tax efficiency and control

👉🏽 how they differ from traditional super funds

👉🏾 the advantages of having more control over asset allocation

👉🏿 who benefits most from WRAP accounts (balance size & time to retirement)

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

321 selling your investment property? how to slash your tax bill using super

Wed, 28 May 2025 19:10:00 GMT

Got a rental property you’re thinking of selling before retirement? In this episode, Glen and Martin break down how to use your super to reduce your capital gains tax. They touch on:

👉 how capital gains tax works when selling an investment property

👉🏼 using concessional contributions to reduce your tax bill

👉🏽 what carry-forward rules let you do (and who qualifies)

👉🏾 the bring-forward rule and using non-concessional contributions

👉🏿 when it makes sense to prioritise super over mortgage repayments

👉🏻 how age and super balance limits impact your options

👉 practical tax savings examples and watch-outs for timing

If you’d 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

🏡 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.

320 retirement sweet spot: upgrade home, draw down super & boost Centrelink pension (real case study)

Wed, 21 May 2025 19:10:00 GMT

In this episode, Glen and Martin walk through a real case study where a couple in their early 70s boost their Centrelink age pension by upgrading their home and drawing down super. They break down how the rules work and how strategic planning can improve cash flow without reducing lifestyle. To see the visuals head to our YouTube channel! Glen & Martin discuss:

👉 upgrading the home to reduce assessable assets

👉🏼 using super drawdowns to access more age pension

👉🏽 case study: before and after cash flow and assets

👉🏾 why Centrelink doesn’t count your home, but does count super

👉🏿 how strategy created an extra $300k in long-term value

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

319 resigning at 60 to access super early + nerd out on super components (preservation, taxable, non-taxable, ESPs)

Wed, 14 May 2025 19:10:00 GMT

In today's episode Glen and Martin answer a listener question about quitting a casual job at age 60 and what that means for accessing super. Plus, they dive deep into the behind-the-scenes super components that can affect tax, estate planning and insurance. They touch on:

👉🏻 when quitting a job at 60 lets you access super

👉 the difference between preservation age and conditions of release

👉🏼 how “taxable” vs “non-taxable” super components actually work

👉🏽 why eligible service dates (ESDs) matter for tax and TPD

👉🏾 the risks of rolling over super without understanding the rules

If you’d 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

🏡 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.

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318 rethinking retirement: structure, purpose and smart money moves

Wed, 07 May 2025 19:10:00 GMT

Retirement isn't a full stop anymore, it's a new rhythm. In this episode, Glen sits down with Kat McPhee from Aware Super to unpack how Aussies are redefining retirement, why so many feel anxious about money, and how to plan for a future that's flexible, confident and uniquely yours. They discuss:

👉🏾 why retirement anxiety is on the rise

👉🏿 finding structure and purpose after full-time work

👉🏻 how to 'un-retire' or ease into part-time

👉 key watchouts when drawing from super

👉🏼 tools to help you feel more retirement-ready

👉🏽 why a binding super nomination really matters

👉🏾 how advice can protect you from costly mistakes

This is a sponsored episode.

If you’d like to explore your options further, check out Aware Super’s My Retirement Planner, Super Resources, and Retirement Guide at aware.com.au.

The report mentioned in the episode can be found here: https://aware.com.au/member/about-us/newsroom/march-2025/state-of-retirement-report

Consider if this is right for you and the PDS at aware.com.au Advice provided by Aware Financial Services Australia Limited, wholly owned by Aware Super. Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee. Retirement income and investment earnings are not guaranteed. Payments will cease once the account balance is depleted. 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. Issued by Aware Super Pty Ltd ABN 11 118 202 672, AFSL 293340, the trustee of Aware Super ABN 53 226 460 365. Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

317 is there a death tax, recontribution strategy pitfalls & downsizer contributions

Wed, 30 Apr 2025 19:10:00 GMT

In today’s episode, Glen and financial adviser Martin McGrath tackle your retirement questions, including:

👉🏼 is there a death tax in Australia?

👉🏽 how can I use recontribution strategies to minimise tax?

👉🏾 help! my downsizer contribution wasn't approved!

If you’d 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

🏡 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.

316 income streams & annuities in retirement

Wed, 23 Apr 2025 19:10:00 GMT

In today’s episode Glen James and financial adviser Martin McGrath discuss key points from a Grattan Institute report which details a simpler super system that would allow retirees to stress less, spend more, and enjoy their retirement years. Glen and Martin also explain what annuities are and how they can be used in your retirement strategy. For more on annuities check out the episode below.

Read the Simpler Super report here: https://grattan.edu.au/report/simpler-super/

🎧 Listen to the annuity deep dive episode here: Apple Podcast | Spotify

If you’d 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

🏡 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.

315 what to do right now, upfront & ongoing advice fees + financial advice for a 90 year old

Wed, 16 Apr 2025 19:10:00 GMT

In today's episode Glen and financial adviser Martin McGrath chat about what to do with your money during this uncertain economic climate, how much financial advice costs and why it could save you from making huge money mistakes in retirement. They also discuss one listener's question about her 90yo grandad.

If you’d 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

🏡 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.

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.

314 what to do when markets suddenly fall & you want to retire soon

Sun, 06 Apr 2025 19:11:00 GMT

Stop! Don't panic! I ask you to pause and step back and not do anything out of fear when it comes to investing and your superannuation.

Episode on YouTube with presentation: https://youtu.be/xHNAhZrtBNE?si=dQHe3-9tjw52NyOO

Perth Live Show tickets: https://www.eventbrite.com/e/m3-live-in-perth-tickets-1295263831989

John's Property Masterclass in Perth: https://events.humanitix.com/perth-property-workshop-25

The Quick-Start Guide to Investing (book): https://amzn.to/4iQ9qua

=============================

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

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313 how long will your retirement savings actually last?

Wed, 02 Apr 2025 18:10:00 GMT

How much super do you need for a comfortable retirement? Glen and financial adviser Nathan Fradley break it down with real life numbers, covering:

👉 how much the age pension pays & who qualifies

👉🏼 the impact of homeownership on retirement savings

👉🏽 super balances - will $500k, $1M, or $1.5M last?

👉🏾 why spending in retirement feels different (and how to plan for it)

👉🏿 how Centrelink payments change as your super runs down

If you want to see the numbers in action, check out the episode on YouTube here: https://youtu.be/780-i0UgnqU

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

2025-2026 Federal Budget chat (with economist Mike Read) + BTS of the lockup

Wed, 26 Mar 2025 18:10:00 GMT

Michael Read is the Financial Review's economics correspondent, reporting from the federal press gallery at Parliament House. He was previously an economist at the Reserve Bank of Australia and at UBS.

If you’d 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

🏡 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.

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312 mortgage broker Q&A (cut-off age for a loan, parental guarantees, bridging finance + more)

Wed, 19 Mar 2025 18:10:00 GMT

Got mortgage questions in retirement? Mortgage broker Rachelle Kroon from Sphere Home Loans joins Glen in this episode to unpack your questions. The touch on:

👉 what’s the cut-off age for a new loan?

👉🏼 can you refinance in retirement?

👉🏾 how parental guarantees work if you're retired

👉🏻 bridging finance - is it still a thing and is it worth it?

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

311 deep dive: aged care & changes from 1 July

Wed, 12 Mar 2025 18:10:00 GMT

Big changes are coming to aged care from 1 July, and we've got aged care expert Rachel Lane back to break it all down. Glen and Rachel dive into what’s changing, how it affects costs and care, and what you need to know if you or a loved one might need aged care in the next few years. They touch on:

👉 major reforms coming to aged care in July

👉🏼 why aged care is getting more expensive

👉🏽 understanding home care vs residential care

👉🏾 how Government support is changing

👉🏿 the financial mistakes to avoid when moving into care

👉🏻 why you shouldn’t rush to sell the family home

👉 what to look for in a specialist aged care financial adviser

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

310 making $500K last before accessing super, super tax deductions & shifting to defensive assets

Wed, 05 Mar 2025 18:10:00 GMT

Today's Q&A is packed with great questions from the Retire Right community and Glen is joined by financial adviser Nathan Fradley to unpack them:

👉 what to do with a $500k property sale before retirement

👉🏼 can you claim a tax deduction on extra super contributions?

👉🏽 when should you start shifting your super to more defensive assets?

👉🏾 plus, estate planning, pension strategies & more

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

309 deep dive: lifestyle villages vs retirement villages

Wed, 26 Feb 2025 18:10:00 GMT

Thinking about downsizing but confused by the options? Rachel Lane, Australia’s leading aged care expert, joins Glen to break down the differences between lifestyle villages and retirement villages. They cover on:

👉🏼 how contracts and fees differ

👉🏽 whether you own the home, the land, or neither

👉🏾 the real deal with exit fees and capital gains

👉🏿 what to check before signing the dotted line

👉 how to know if a village is the right fit for you

Downsizing Made Simple by Rachel Lane & Noel Whittaker: https://amzn.to/41iUPjc

Check out the exercises and resources mentioned at https://downsizingmadesimple.com.au/

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

308 retiring overseas, small business and super, selling land + more

Wed, 19 Feb 2025 18:10:00 GMT

In today's Q&A episode, Glen and financial adviser Vince Scully from Life Sherpa discuss community questions, touching on:

👉 tax and retiring overseas

👉🏼 how small business owners can access super in retirement

👉🏾 investing inside vs outside of super

👉🏽 whether selling a block of land before retirement makes sense

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

307 here is a good way to F up money (family loans + estate planning case study)

Wed, 12 Feb 2025 18:10:00 GMT

Loaning money to family can get messy, fast. In this episode, Glen shares a real life case study where a son wants to help his dad out of a financial mess by buying his house at a discount. But what seems like a good deed could wreck Centrelink benefits, estate planning, and family relationships.

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

306 superannuation investments & asset allocation either side of retirement (with an economist)

Wed, 05 Feb 2025 18:10:00 GMT

What should you do with your super as you approach retirement? Economist Brian Parker from Australian Retirement Trust joins Glen to break it all down. They chat about:

👉🏼 the magic numbers of 60, 65, and 67

👉🏽 how to invest super in your 50s and beyond

👉🏾 managing risk as you move into retirement

👉🏿 why super is your money (and safer than you think)

👉 common mistakes to avoid in drawdown phase

If you want more insights from Brian, check out his deep dive on the economy in episode 805 over on the money money money podcast!

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

305 avoiding CGT on property? accessing super while still working, growth or defensive in retirement + more

Wed, 29 Jan 2025 18:10:00 GMT

In today's Q&A, Glen and Martin discuss your questions about:

👉 can you leapfrog investment properties to avoid capital gains tax?

👉🏼 can you access super at 60 while still working?

👉🏾 what circumstances define "ceasing employment?" to access your super

👉🏽 what investment strategy should you have for your super as you near retirement?

If you’d 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

🏡 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.

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.

304b caravanning Q&A (what to do with your home, long service leave, budgeting for trip costs + more)

Thu, 23 Jan 2025 18:10:00 GMT

In today's bonus episode Glen and Martin go deeper on your questions about planning a caravanning trip around Australia. They touch on:

👉 what to do with your home while travelling

👉🏼 strategic ways to use long service leave to fund your trip

👉🏽 budgeting for fuel and other costs

👉🏿 dealing with waste

👉🏾 managing the ‘holiday mindset’ on the road

👉🏻 and the challenge of balancing flexibility and booking parks in advance

If you’d 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

🏡 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.

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.

304 we packed up and hit the road: our caravan adventure across Australia

Wed, 22 Jan 2025 18:10:00 GMT

Ever dreamt of hitting the road and exploring Australia? In today's episode, Glen chats with Retire Right cohost, Martin McGrath who shares how he and his family turned that dream into reality... twice! Plus, we play an audio clip from listener of the show Colin who shares his caravanning experience! Martin shares his top tips, lessons learned, and what it really costs to caravan across the country, including:

👉🏾 the planning process: from gear to finances

👉🏻 budgeting for the big trip (and cutting costs)

👉 how they handled work, school, and life on the road

👉🏽 unexpected challenges (and funny moments!)

👉🏿 the gear you actually need vs. what you don’t

👉🏻 insider tips for choosing the right caravan setup

👉🏽 favourite stops and hidden gems along the journey

👉 managing kids and keeping them entertained

Listen out for the bonus Q&A tomorrow!

If you’d 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

🏡 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.

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.

303 property strategies for retirement (downsizing, sidesizing, renting & investing)

Wed, 15 Jan 2025 18:10:00 GMT

In this episode, Glen and John Pidgeon, cohost of this is property, unpack smart strategies for managing property as you approach retirement. They cover:

👉 how downsizing can free up cash

👉🏼 the growing trend of sidesizing

👉🏽 renovating with resale in mind

👉🏾 balancing lifestyle and property goals

👉🏿 tips for leveraging investment properties

👉🏻 and why planning ahead is key for a smooth transition

Check out John's book, Sort Your Property Out & Build Your Future at sortyourpropertyout.com

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 45128

Hosted on Acast. See acast.com/privacy for more information.

302 retirement planning & strategies for singles + a $2M portfolio

Wed, 08 Jan 2025 18:10:10 GMT

In today's episode, financial advisers Martin McGrath and Wayne Terry tackle retirement planning strategies and considerations for singles and widows, focusing on how to make the most of your assets. They also dive into a scenario of retiring with a $2M portfolio - unpacking whether to set up a pension, live off a managed fund, or rely on cash income.

If you’d 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

🏡 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.

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.

301 retiring before 60, structuring property ownership, CGT strategies + more

Wed, 01 Jan 2025 18:10:18 GMT

To kick off the new year financial advisers, Martin McGrath and Wayne Terry answer your questions about:

👉 funding your pre-super years if retiring before 60

👉🏽 best way to structure joint investment property ownership

👉🏾 CGT strategies for moving shares into super

If you’d 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

🏡 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.

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.

245 money, retirement & investing risks + how to mitigate them

Wed, 25 Dec 2024 18:10:29 GMT

Retirement comes with its fair share of uncertainties, but understanding the risks can help you retire confidently. In this episode, Glen chats with Ben Marshan—former financial adviser and head of policy at the Financial Planning Association (FPA)—to unpack some of the biggest risks retirees face and how to tackle them. With years of experience helping clients and advisers navigate retirement, Ben shares valuable insights on how to approach this crucial life stage. They touch on:

👉 longevity risk

👉🏼 sequencing risk

👉🏽 inflation risk

👉🏾 market risk/diversification

👉🏿 interest rate risk

👉🏻 health care costs

👉 liquidity risk

👉🏼 behavioural risk

👉🏽 purpose and social risk

Learn more about Impaktful here: https://www.impaktful.com.au

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

244 do I need a financial adviser, inheriting shares & tax + testamentary trusts

Wed, 18 Dec 2024 18:10:45 GMT

In one of our final community Q&As for the year, Glen and Martin chat about:

👉 why you may or may not need a financial adviser

👉🏼 tax implications for inheriting shares and holding vs selling

👉🏽 and using testamentary trusts in estate planning

If you’d 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

🏡 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.

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.

243 investment bonds, transfer balance cap, invest inside or outside of super + is super safe?

Wed, 11 Dec 2024 18:10:11 GMT

In today's episode Glen and financial adviser Martin McGrath answer your questions about:

👉 the transfer balance cap

👉🏼 investment and education bonds for kids

👉🏽 is super really as safe as everyone thinks?

👉🏾 investing in ETFs inside vs outside of super

If you’d 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

🏡 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.

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.

242 protecting your most valuable asset

Wed, 04 Dec 2024 18:10:06 GMT

With Aussies losing $2.7 billion to scams last year, protecting your personal information is essential. In today's episode cybersecurity expert Fraser Jack shares some practical tips to protect your identity, secure your online accounts, and keep your retirement savings safe from digital threats.

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

241 super strategies to help women achieve financial security

Wed, 27 Nov 2024 18:10:17 GMT

In today's episode, special guest Pascale Helyar-Moray OAM joins Glen to unpack her new book Rich Woman, Poor Woman, which aims to help women maximise their superannuation and have financial security in retirement. Glen and Pascale dive into the gender super gap, the hidden costs of unpaid work, and actionable strategies to help women build wealth and retire right. They touch on:

👉 the alarming statistics that show that women are at greater risk of poverty in retirement

👉🏼 practical tips to grow your super balance

👉🏽 why the knowledge gap is the most dangerous factor in retirement planning

👉🏾 defining the meaning of a 'rich woman'

👉🏿 factors contributing to the super gap and affecting women’s financial security

📘 Get Pascale's book, Rich Woman, Poor Woman here: https://amzn.to/4g4YGWT

📘 Get Glen's book, The Quick-Start Guide to Investing here: https://amzn.to/3QNNrbv

🎧 Listen to our other episode with Pascale, 211b how to get cashback & how it works with Grow My Money - Listen on Apple Podcast here | Listen on Spotify here

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

240 life insurance (when to cancel, inside vs outside super, claiming + more)

Wed, 20 Nov 2024 18:10:38 GMT

In today's episode financial adviser Phil Thompson from Skye Wealth joins Glen on the show to answer your questions about life insurance. They touch on:

👉 the 4 types: death cover, income protection, TPD and trauma

👉🏼 the 3 ways to obtain insurance

👉🏽 insurance inside super explained

👉 why use a financial adviser?

👉🏾 how financial adviser commissions work

👉🏿 is claiming easier inside or outside of super?

👉🏻 do you need life insurance and when to cancel it

To chat with an adviser about getting personalised life insurance advice check out: https://www.skye.com.au

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

239 mortgage broker Q&A (home loans for over 60, parental guarantees, knock-down rebuild loans + more)

Wed, 13 Nov 2024 18:10:14 GMT

In today's chat, mortgage broker Rachelle Kroon from Sphere Home Loans joins Glen on the show to answer your questions about:

👉 home loans for over 60

👉🏼 financing a knock-down rebuild without super

👉🏽 going guarantor for your kids

👉🏾 steps for your child who wants to buy

👉🏿 mortgage broker vs direct to bank

👉🏻 how mortgage brokers get paid

Thanks to Sphere Home Loans for supporting this episode! Need a mortgage broker? Connect with the team here

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

238 tax inside superannuation & aged care changes

Wed, 06 Nov 2024 18:10:35 GMT

In today's episode Glen and retirement specialist Martin McGrath answer your questions around tax in super and preparing for aged care. They touch on:

👉 tax implications in pension vs. accumulation phases of super

👉🏻 what is contributions tax

👉🏿 what happens if you exceed the super contributions cap

👉🏼 making the most of your transition to retirement (TTR) account

👉🏽 planning around new aged care rules taking effect in July 2025

👉🏾 strategies for covering aged care costs without selling assets

If you’d 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

🏡 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.

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.

237 selling an investment property, renovating at age 60, younger spouse + cash out leave or not

Wed, 30 Oct 2024 18:10:59 GMT

In today's episode Glen and Martin discuss community questions around:

👉 selling an investment property, CGT implications and putting the money in super

👉🏽 finance options for renovating to sell at age 60

👉🏾 couples with different ages applying for the age pension

👉🏿 using unused annual leave to drop back to 4 days or cashing it out instead

If you’d 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

🏡 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.

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.

236 elder abuse: what are the signs & what to do

Wed, 23 Oct 2024 18:10:02 GMT

In today's episode Glen chats with MaryAnn de Mestre, a lawyer and academic who specialises in elder law and estate planning. Glen and MaryAnn dive into the topic of elder abuse including what it looks like, how to spot the signs, and what steps you can take if you suspect someone is a victim. MaryAnn offers practical advice for keeping an eye on your aging loved ones and what you can do if things seem off as well as some things to know around estate planning. The touch on:

👉 common forms of elder abuse (financial, psychological, physical, neglect)

👉🏼 common signs such as unexplained withdrawals, social isolation, neglect

👉🏽 what to do if you suspect elder abuse in your community

👉🏾 the role of power of attorney and how it can be abused

👉🏿 legal steps to remove or challenge a power of attorney

👉🏻 some key takeaways for estate planning and protecting vulnerable individuals

M de Mestre Lawyers website: https://mdemestrelawyers.com.au/

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

235 a hitchhiker's guide to retirement

Thu, 17 Oct 2024 05:40:05 GMT

If you're 10 years or less away from wanting to put down the tools and retire, today's episode is for you. Glen chats with financial adviser and host of the Financially Fierce podcast, Jess Brady about some of the practical things, both money and non-money related, that you'll need to think about and get in order as you approach retirement - such as your lifestyle, super and assets, housing and long term plans.

Resources mentioned in the episode 👇

Click here to download the FREE Glen James Spending Plan

Purchase Glen's book, The Quick Start-Guide to Investing here: https://amzn.to/3QNNrbv

To check out Jess's Greenhouse Money Growing Program, click here.

Find Jess's podcast, Financially Fierce wherever you're listening to this podcast!

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

234 how much do you need to retire?

Wed, 09 Oct 2024 19:10:45 GMT

How much money do you need in retirement? This is one of the most common questions we hear in the Retire Right community! In today's episode Glen and financial adviser Matt Hawkins break down the steps for working out your retirement number.

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

233 smart ways to help your kids financially or into their first home

Wed, 02 Oct 2024 19:10:52 GMT

Looking for ways to help your adult kids get into their first home or get ahead financially? In this episode, Glen talks through heaps of different ideas such as:

👉 gifts & loans

👉🏼 paying the stamp duty

👉🏽 paying for LMI

👉🏾 considering a parental guarantee

👉🏿 paying for financial advice

👉🏻 matching a savings goal

👉 paying for the grandkid's childcare or extra-curricular activity

👉🏼 seeding their super

👉🏽 clearing their HELP debt

Glen's video on how a parental guarantee works: https://youtu.be/cmWOlvNhElk

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

232 pay off mortgage or put in super, tax-free retirement income, finding purpose in retirement + more

Wed, 25 Sep 2024 19:10:49 GMT

In today's episode Glen and Martin dive into a big question: should you pay off your mortgage or contribute more to your superannuation as you approach retirement? They also touch on:

👉 balancing mortgage payments and super contributions

👉🏼 tax strategies for superannuation

👉🏽 how to use a transition to retirement pension

👉🏾 using an offset account to manage cash flow

👉🏿 putting money in super when there is a dip in the share market

👉🏻 planning for life after retirement

If you’d 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

🏡 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.

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.

231 when to cancel life insurance, balanced vs. high growth super options, bring forward contributions + more

Wed, 18 Sep 2024 19:10:55 GMT

In today's episode Glen and financial adviser Martin McGrath discuss your questions around:

👉 what to do with your life insurance as you age

👉🏼 balanced vs high growth asset allocation in super

👉🏽 non concessional contribution limits for super

👉🏾 is my super growing appropriately or am I being too conservative?

Read Glen's article on private health insurance here: https://bit.ly/4dx7K5M

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

230 superannuation income & medicare levy, switching investments close to retirement, the best industry fund, sale of a property + more

Wed, 11 Sep 2024 19:10:11 GMT

'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbv

In today's Q&A, Glen and Martin answer questions from the community, touching on:

👉🏼 is the income you get from Super taken into consideration for the medicare levy?

👉🏽 comparing super fund performance

👉🏾 what's the best industry super fund for returns and insurance?

👉🏿 making non concessional super contributions

Glen's book, Sort Your Money Out & Get Invested: https://amzn.to/3z6aW9X

Learn more about Skye Wealth here: https://www.skye.com.au/

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

229 wwgd: Jen's financial health check as she approaches retirement

Wed, 04 Sep 2024 19:10:50 GMT

Jen is approaching retirement as a single mum of 2 adopted kids and is worried about her financial position. Her biggest concern is not being able support herself and her kids after she stops working so in this 'what would Glen do' episode, Glen runs Jen through a financial health check and shares some of his thoughts on her situation.

'The Quick Start-Guide to Investing' by Glen James & Nick Bradley: https://amzn.to/3QNNrbv

Sort Your Money Out and Get Invested by Glen James: https://amzn.to/3XmSuDt

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

228 centrelink for different spouse ages, tax on inheritance of shares & property, managing retirement income + more

Wed, 28 Aug 2024 19:10:35 GMT

In today's episode Glen and Martin answer some questions from the Retire Right community. They touch on:

👉 super and the age pension for couples with an age gap

👉🏼 capital gains tax & inheriting shares or property

👉🏾 budgeting in retirement

'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbv

If you’d 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

🏡 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.

Hosted on Acast. See acast.com/privacy for more information.

227 economic update with Gemma Dale (inflation, investing, interest rates)

Wed, 21 Aug 2024 19:10:17 GMT

In today's episode Glen and special guest Gemma Dale, the Director of SMSF and Investor Behaviour at nabtrade discuss the current state of the economy and what it means for Australian retirees and younger generations.

'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbv

You can listen to Gemma's podcast, Your Wealth wherever you're listening to this podcast.

If you’d 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

🏡 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.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

226 the cost of financial advice, mindset & psychology + retirement planning

Wed, 14 Aug 2024 19:10:41 GMT

Glen and Vince Scully chat about the cost of getting financial advice, some common myths and the value of seeking advice in your retirement planning.

If you’d 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

🏡 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.

SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

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225 when a spouse passes away in retirement

Wed, 07 Aug 2024 19:10:40 GMT

When a partner passes away, it can feel overwhelming to handle their affairs during such a difficult and emotional time. Financial advisers Martin & Anthony from Financial Edge Group unpack where to start with the key lifestyle and financial practicalities that need addressing as well as some considerations around super, tax and the age pension. They touch on:

👉🏼 which tasks to tackle first and which can be navigated over time

👉 relevant parties to notify

👉🏼 some of the costs you may need to pay for

👉🏽 implications to superannuation

👉🏾 implications to receiving the age pension

👉🏿 tax

👉🏻 reassessing your living situation & cashflow

👉 updating or planning your own will & estate

If you’d 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

🏡 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.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

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224 transition to retirement pension

Wed, 31 Jul 2024 19:10:46 GMT

In today's chat financial advisers Martin & Wayne from Financial Edge Group unpack the transition to retirement (TTR) pension, touching on:

👉 what it is and how they work

👉🏼 eligibility

👉🏽 impact on tax

👉🏾 practical case studies

👉🏿 and more

If you’d 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

🏡 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.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

223 key strategies to maximise your age pension benefit

Wed, 24 Jul 2024 19:10:40 GMT

In today's episode, financial advisers Martin and Jesse reveal key strategies to help you maximize any Centrelink Age Pension benefits you may qualify for, ensuring you get the most from your entitlements. The touch on:

👉 renovating your home

👉🏼 paying down debt

👉🏽 gifting assets

👉🏾 using funeral bonds & prepaid expenses

👉🏿 super sheltering

👉🏻 annuities

👉 casual/part time work

👉🏼 updating the value of your personal assets

👉🏽 seeking advice around inheritances & more

If you’d 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

🏡 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.

SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

222 inheritances & the intergenerational wealth transfer

Wed, 17 Jul 2024 19:10:01 GMT

A great intergenerational wealth transfer is expected to see trillions of dollars pass down from older generations to their heirs over the coming decades so let's chat about what to know around giving and receiving inheritances. Glen James, Martin McGrath and James Millard touch on:

👉 ways to help adult children

👉🏼 gifting rules if you receive the age pension or part pension

👉🏽 is there an inheritance tax?

👉🏾 being the recipient of an inheritance

🎧 Glen's podcast: Listen on Apple here | Listen on Spotify here

📘 The Quick-Start Guide to Investing by Glen James & Nick Bradley: https://amzn.to/3QNNrbv

📘 Insufficient Funds by James Millard: https://amzn.to/4bR72iq

If you’d 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

🏡 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.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

221 receiving an inheritance later in life

Wed, 10 Jul 2024 19:10:42 GMT

In today's episode Martin and Anthony from Financial Edge Group chat about some considerations if you receive an inheritance close to or in retirement and are deciding what to do with it!

If you’d 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

🏡 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.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

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220 is self-managed super right for you + the pros & cons of SMSF

Wed, 03 Jul 2024 19:10:05 GMT

In today's episode Martin and guest financial adviser Hamish Landreth unpack the ins and outs of how self-managed super funds (SMSF) work. They touch on:

👉 the difference between an industry fund and SMSF

👉🏼 who should consider it

👉🏽 common myths

👉🏾 what you can and can't invest in

👉🏿 can you borrow within a SMSF?

👉🏻 advantages & drawbacks

👉 managing tax

👉🏼 costs and responsibilities

👉🏽 and how professionals can assist

You can connect with Hamish and the team at Prosperity Advisers here: https://www.prosperityadvisers.com.au/

If you’d 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

🏡 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.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

219 the value of a financial adviser

Wed, 26 Jun 2024 19:10:25 GMT

A question we often get in our community is whether or not financial advice is worth its cost, so in today's episode our guest Neil Rogan from Russell Investments joins Martin on the show to unpack the full value of an adviser’s services including:

👉 appropriate asset allocation

👉🏼 behavioural coaching

👉🏽 navigating choices and trade-offs

👉🏾 expertise

👉🏿 and tax-savvy planning and investing

If you’d 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

🏡 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.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

218 couples with different ages

Wed, 19 Jun 2024 19:10:58 GMT

Age differences in relationships are very common so in today's episode advisers Martin McGrath and Wayne Terry from Financial Edge Group chat about what to consider (both financially and lifestyle wise) as you approach retirement if you and your partner have an age gap.

If you’d 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

🏡 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.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

217 preparing to retire in 3-6 months (money, mindset and practical tips)

Wed, 12 Jun 2024 19:10:04 GMT

In today's episode financial advisers Martin McGrath and Jesse Field from Financial Edge Group cover some of the essential things to consider leading into retirement. They touch on:

👉 mindset and finding new purpose

👉🏼 budgeting and figuring out if you are financially ready to retire

👉🏽 your ideal home

👉🏾 setting up superannuation (industry funds, wrap accounts & SMSFs)

👉🏿 dealing with debt

👉🏻 applying for the Centrelink age pension if you are eligible

👉 taking leave (annual or long service)

👉🏽 and tax returns

If you’d 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

🏡 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.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

216 pay off mortgage vs top up super, long service leave, re-contribution strategies + more

Wed, 05 Jun 2024 19:10:30 GMT

In today's Q&A episode, Martin and KP from Financial Edge Group discuss:

👉 what to consider with long service leave prior to retirement

👉🏼 pay off mortgage or top up super?

👉🏽 if I go back to work should I change my super from pension to accumulation phase?

👉🏾 do I need to report money I receive from my super pension to the ATO?

👉🏿 are super funds covered by the $250,000 government guarantee?

👉 should I put the proceeds from the sale of an investment property into super?

👉🏼 re-contribution strategies

If you’d 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

🏡 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. Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

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215 estate planning essentials

Wed, 29 May 2024 19:10:42 GMT

Today on the show we're unpacking the essentials of estate planning. Martin is joined by wills & estate planning lawyer, Fiona Wicks from Aubrey Brown Lawyers who explains:

👉 what does estate planning cover?

👉🏼 what assets are included in a will vs what is excluded

👉🏽 how to distribute your superannuation after you pass away

👉🏾 what are the responsibilities of an executor?

👉🏿 what is an enduring power of attorney / enduring guardianship?

👉🏻 what is a beneficiary?

If you’d 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

🏡 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. Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

214 downsizing the family home

Wed, 22 May 2024 19:10:50 GMT

If you're over the age of 55 and selling your home, you might be eligible to make a superannuation downsizer contribution. In today's episode Martin and KP from Financial Edge Group explain the benefits of the downsizer contribution, how it works and who can make one.

If you’d 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

🏡 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. Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

213 tax in retirement

Wed, 15 May 2024 19:10:39 GMT

Do you need to pay tax when you're retired? Martin and KP from Financial Edge Group discuss whether you need to pay tax on the age pension, the money you take out of super, investment income, financial gifts, a house sale + more.

If you’d 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

🏡 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.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

2024 federal budget & what it means for you

Wed, 15 May 2024 05:47:28 GMT

In today's bonus episode Glen and Martin unpack what you need to know from last night's Federal Budget announcement.

If you’d 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

🏡 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.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

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212b how to avoid financial scams online

Sun, 12 May 2024 19:10:18 GMT

Financial scams are far too common in Australia and it's easy to fall victim to one. Today's guest, Tracy Hall had over $300,000 in life savings stolen by her partner, she had no idea he was a serial con-man. In today's episode Tracy shares some of the ways to spot a financial or romantic scam and how to protect yourself.

To hear more of Tracy's story, listen to episode 719b on the this is money podcast.

For more resources to protect yourself from scams, go to the Scamwatch website: https://www.scamwatch.gov.au/

📘 Grab Tracy's new book, The Last Victim 👇

Booktopia: https://booktopia.kh4ffx.net/xkMqmO

Amazon: https://amzn.to/3y3lPIC

If you’d 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

🏡 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.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

212 defined benefit pensions

Wed, 08 May 2024 19:10:17 GMT

In this episode KP and Martin from Financial Edge Group unpack what a defined benefit pension plan is and how it works.

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

211b how to get cashback & how it works with Grow My Money

Sun, 05 May 2024 19:10:00 GMT

In today's episode we share how you can earn cashback to pay down your mortgage faster or boost your super by simply shopping at your everyday retailers. Glen chats with Pascale Helyar-Moray, founder of the cashback rewards program, Grow My Money. Glen and Pascale touch on:

👉🏾 why Grow My Money was created

👉🏻 how it works

👉 some of the 1000+ retailers you can shop with to get money back

👉🏼 how safe and secure is your data and the program?

👉🏽 how soon can you get your cash back?

👉🏿 how to get started

To learn more, visit the Grow My Money website: https://growmymoney.com.au/

This is a sponsored episode.

If you’d 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

🏡 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.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

211 upcoming rule changes to super

Wed, 01 May 2024 19:10:06 GMT

In today's episode Martin and Jesse from Financial Edge Group explain the changes that are coming to superannuation, touching on:

👉 the super guarantee

👉🏼 what this means for concessional contributions caps

👉🏽 salary sacrificing

👉🏾 carry forward contribution caps

👉🏿 and the Stage 3 tax cuts

If you’d 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

🏡 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.

Martin McGrath & Financial Edge Group are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

210 what are annuities and when are they useful in retirement planning?

Wed, 24 Apr 2024 19:10:50 GMT

In today's episode Martin and special guest James Spiridon from Challenger unpack the ins and outs of what annuities are, how they work, different types of annuities and why you might consider them as part of your retirement plan.

If you’d 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

🏡 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.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

209 investing for grandkids (investment bonds)

Wed, 17 Apr 2024 19:10:46 GMT

Financial adviser Anthony Fowler from Financial Edge Group joins Martin on the show to talk about the various ways to invest for children under 18 and the best way to pass on wealth to the next generation.

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

208 aged care

Wed, 10 Apr 2024 19:10:09 GMT

In today's episode we're chatting about aged care with special guest Louise Biti from Aged Care Steps. Martin and Louise discuss:

👉 who should consider it

👉🏼 how it works

👉🏾 the costs

👉🏻 and where to go for advice and help with organising aged care

Helpful Links:

https://www.myagedcare.gov.au/

https://agedcaresteps.com.au/

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

207 insurance after the age of 50

Wed, 03 Apr 2024 18:10:10 GMT

Insurance adviser Phil Thompson from Skye Wealth joins Martin on the podcast to unpack the various types of life insurance and what to consider as you approach retirement.

Want to chat to Phil and the Skye Wealth team? Head to https://www.skye.com.au

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

206 the Centrelink age pension

Wed, 27 Mar 2024 18:10:35 GMT

On today's episode Martin and KP unpack the Government age pension (or commonly known as the Centrelink age pension). What's the eligibility criteria, how much do you get and what's the process involved? Tune in to find out.

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

205 superannuation deep dive

Wed, 20 Mar 2024 18:10:59 GMT

In today's episode Martin and Wayne Terry from Financial Edge Group unpack all things superannuation - what it is, the rules around super, how super funds and the investments within them work plus more.

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

204 property in retirement

Wed, 13 Mar 2024 18:10:52 GMT

In today's chat Martin speaks with John Pidgeon from this is property about the ins and outs of owning and selling property as you approach retirement and during retirement.

Learn more about John's buyer's agent service here: https://www.envisageproperty.com.au

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

203 superannuation pension deep dive

Wed, 06 Mar 2024 18:10:45 GMT

In today's episode financial adviser Martin and KP from Financial Edge Group explain the superannuation pension, touching on:

👉🏼 the difference between the Government pension (Centrelink) and the super pension

👉🏾 tax and the pension

👉🏿 conditions for moving your super to pension phase

👉 what happens to your pension upon death

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

202 key ages for those looking to retire

Wed, 28 Feb 2024 18:10:33 GMT

In today's episode financial adviser Martin McGrath and KP from Financial Edge Group explain 4 important ages to be mindful of in retirement:

👉 age 60 and accessing super

👉🏼 age 65 and adding to and withdrawing super

👉🏽 age 67 and the Goverment age pension

👉🏾 age 75 and restrictions to adding to super

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

201 starting a business at age 63

Wed, 21 Feb 2024 18:10:20 GMT

We're back for another season of Retire Right with new weekly episodes! In today's chat Glen interviews Chris who owns a drive thru coffee shop on the Central Coast of NSW. The financial stress of the Global Financial Crisis and a desire to move away from their teaching careers led Chris and his wife Charm to start the business in their 60s. Now 7 years into the journey, Chris shares what his life looks like as a "practically retired" business owner and what he would describe as "living the dream".

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

growing your super, tax saving strategies + what you must know before age 67

Tue, 19 Sep 2023 19:10:47 GMT

In today's episode we're unpacking the various ways you can grow your superannuation through contributions. Glen and financial adviser Wayne Terry from Financial Edge Group chat about:

👉 concessional & non concessional contributions

👉🏼 the work test

👉🏽 the carry forward rule

👉🏾 spouse splitting

👉🏿 the div 293 tax

👉🏻 making a downsizer contribution

👉 spouse contributions

👉🏼 the government co-contribution

👉🏽 moving assets like shares into super

👉🏾 and some real life case studies!

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

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how to retire right

Wed, 06 Sep 2023 19:10:20 GMT

In this episode financial adviser and author Kate McCallum chats with Glen about the steps you can take to begin planning mentally, practically and financially for retirement.

📘 The Joy of Money by Kate McCallum

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

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SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

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superannuation beneficiaries & reversionary pensions

Thu, 27 Jul 2023 19:10:23 GMT

Let's chat what happens to your super and pension when you pass away and what to consider if you have a blended family. In this episode Glen chats with financial adviser, Martin McGrath from Financial Edge Group.

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

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SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

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what is your retirement number?

Sun, 25 Jun 2023 19:10:04 GMT

What does your ideal retired lifestyle look like? Financial adviser Matt Hawkins from Elevate Wealth is back with Glen to break down the steps for working out how much money you'll need to fund it.

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

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SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

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drawn down strategy, changing asset allocation, maximising age pension benefits + more

Sun, 18 Jun 2023 19:10:15 GMT

We asked you what you wanted to know about retirement so today we're answering those questions! Joining us for this episode is financial adviser and retirement specialist Matthew Hawkins from Elevate Wealth Solutions. Matt has over 15 years experience in financial services and specialises in retirement planning, wealth accumulation strategies and aged care. Glen and Matt discuss:

👉 when should you start changing your investing strategy and asset allocation in super as you approach retirement?

👉🏼 managing sequencing risk

👉🏽 when's the right time to start drawing down on your investments?

👉🏾 how much money do you need to live on?

👉🏿 managing money when entering a new relationship later in life

👉🏻 wrap accounts, master trusts and having your super managed by a financial adviser

👉 FAQ - how can I maximise the age pension benefits?

👉🏼 changing your retirement mindset

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

the age pension and super in retirement 101

Sun, 11 Jun 2023 19:10:24 GMT

Let's chat about super and the age pension as you approach retirement! Glen and Martin McGrath from Financial Edge Group unpack:

👉 when can you access the age pension and super

👉🏼 considerations for having a mortgage

👉🏽 income thresholds

👉 how much can you put in super

👉🏾 concessional vs non concessional contributions

👉🏿 accumulation and pension phase explained

👉🏻 who receives your super after death

👉 common fears around "I don't trust super"

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional.

🏡 Join the retire right facebook group

retire right is produced by SYMO interactive, home of my millennial money.

SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

meeting with a financial adviser for the first time

Sun, 04 Jun 2023 19:10:31 GMT

Thinking about chatting to a financial adviser about your retirement planning? Martin McGrath is a retirement adviser and in this episode he shares the ins and outs of what you might expect when you book that first meeting through to what happens after.

Want to start the process of speaking with an adviser? Head to: https://www.retireright.com.au/get-help

🛑 Please read our disclaimer + warnings before listening to this episode

🏡 Join the retire right facebook group

retire right is produced by SYMO interactive, home of my millennial money.

Hosted on Acast. See acast.com/privacy for more information.

creating new habits and changing before you have to

Sun, 13 Nov 2022 18:15:19 GMT

How can you start to retire today? Today's episode touches on retirement planning and getting a head start on the things you want to do in retirement. Financial planner Eric Brotman and author Emily Guy Birken join Glen on this episode of retire right which touches on:

👉 the history of retirement as a concept and redefining it in a modern age

👉🏾 the psychology behind having a 'retirement age' - is it a fallacy?

👉🏻 having an abundance vs scarcity money mindset

👉🏽 starting to change your habits, behaviours and mindset before you reach retirement

👉🏿 creating a satisfying life no matter where you’re at in life

📘 The 5 Years Before You Retire: Retirement Planning When You Need It the Most by Emily Guy Birken

Get it on Amazon: https://amzn.to/3DWfE8t

📘 Don't Retire... Graduate!: Building a Path to Financial Freedom and Retirement at Any Age by Eric Brotman

Get it on Amazon: https://amzn.to/3G4afPx

🛑 Please read our disclaimer + warnings before listening to this episode

🏡 Join the retire right facebook group

retire right is produced by SYMO interactive, home of my millennial money.

Hosted on Acast. See acast.com/privacy for more information.

the psychological side of retirement planning (with Prof. Joanne Earl)

Tue, 08 Nov 2022 02:21:10 GMT

Welcome to Retire Right! In our very first episode Glen James sits down with Professor Jo Earl who's a Professor in the Psychology Department at Macquarie University and an Executive Member of the Centre for Ageing, Cognition and Wellbeing. Glen and Jo chat about some of her research which focuses on pre and post retirement planning and helping people transition and adjust to retirement. The episode touches on:

👉 how the retirement landscape in Australia has evolved

👉🏼 common fears that people have when it comes to retiring

👉🏽 6 important areas for a holistic retirement plan

👉🏾 goal setting

👉🏿 preparing to transition during your working life

👉🏻 downsizing and changing accomodation

👉 supporting aging parents

Learn more about Prof. Jo's research HERE.

🛑 Please read our disclaimer + warnings before listening to this episode

🏡 Join the retire right facebook group

retire right is produced by SYMO interactive, home of my millennial money.

Hosted on Acast. See acast.com/privacy for more information.

Hello from Retire Right 👋

Tue, 11 Oct 2022 03:20:54 GMT

November 2022

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