Financial Autonomy

In this episode, we explore what it means to invest with a time frame that stretches beyond your own lifespan. When personal financial security is already assured, the conversation can evolve from lifestyle funding to building capital designed to support generations to come. We unpack why inflation becomes the greatest risk, why growth assets like shares and property take priority, and how approaches such as index investing align with ultra-long horizons. Beyond strategy, we discuss the human side of legacy — financial literacy, shared purpose, and open conversations — and the deeper question of why building wealth for future generations truly matters.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick talks to Financial Autonomy host Paul Benson about what to consider before retiring early Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

Gold rose 74% last year and silver surged 185%, but do those eye-catching returns actually justify investing in precious metals? In this episode, we explore what's driving current market anxiety, the case for and against gold as a safe haven, and whether it truly protects against inflation. We break down diversification benefits, long-term return realities, behavioural risks, and the pros and cons of physical gold, ETFs, and mining shares—before answering the real question: do precious metals belong in a disciplined investment portfolio, and if so, how much?   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick talks to James Brannan from BlockByte Capital to explain the basics of cryptocurrencies and digital assets. Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

Retiring earlier isn't about winning the lotto — it's about understanding the financial levers that actually move the needle. In this episode, we explore five practical strategies Australians can use to bring retirement forward, including maximising super contributions, improving spending efficiency, reviewing asset allocation, tapping into home equity, and easing the transition with part-time work. Retirement is ultimately about choice, and having the option to step away earlier — even if you don't take it — is a powerful form of financial autonomy.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick talks to Financial Autonomy host and financial planner Paul Benson about 9 new year's resolutions to kickstart your 2026 financial journey. Tune in to make this your year!   Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

In this episode, we step back from the day-to-day financial noise and take a long-term view with the 10 Year Wealth Test, asking the key question: are you on track for 2036? Using the power of compounding and clear goal setting, the episode outlines a simple four-step framework to assess where you are now, define your 2036 financial vision, put numbers around what success looks like, and build practical strategies and milestones to keep you on course. If you're seeking more clarity, confidence, and choice in your financial future, this episode will help you start planning the next decade with intention.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick talks to expert marketer and international speaker Ethan Donati about his journey and the strategies and tips he would give for building confidence, personal branding, and a strong mindset.   Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

As you approach retirement, the question of whether to keep or sell your investment property becomes increasingly important. This episode explores how retirement reshapes your financial priorities, why property can shift from a growth asset to a source of complexity, and the key reasons many retirees choose to sell. From improving cashflow and reducing stress to making better use of tax-free superannuation income, it helps you assess whether your investment property still supports the lifestyle, flexibility, and confidence you want in retirement.

This week on the Wealth Builder podcast Nick talks to Financial Autonomy host Paul Benson about using debt to build wealth.   Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

Your 40s and 50s are a crucial window for shaping your financial future—but many people start coasting without realising it. In this episode, we break down the cost of delaying action and share simple, high-impact steps to strengthen your long-term wealth. Tune in to make these years count.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick talks to Ange Belot from Cheeky Kookaburra on starting and growing a successful small business.   Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

In this episode, we break down private equity and private credit—two fast-growing but often misunderstood parts of the investment world. We explore how they work, why super funds love them, and why private credit might be the most likely trigger of the next market downturn.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick and Paul discuss the topic of the moment - are stock markets, particularly the US market, in an AU fuelled bubble, with an inevitable bust somewhere on the not too distant horizon? Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

In this episode, we dive into the real power of opportunity cost and how it shapes every financial decision — from insurance and investing to lifestyle choices and where you keep your savings. Learn how recognising trade-offs can help you make clearer, more intentional decisions and ensure your money is working toward what matters most. It's a fresh, practical lens that can help you take control of your financial direction.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick talks to Sheredyn Legg and Stephen Fries about testamentary trusts and who they might be good for. We'd love to hear your feedback. Send us a message via the Guidance website. Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

Earning $100,000 a year in retirement — tax free — might sound too good to be true, but Australia's superannuation system makes it possible with the right planning. In this episode, we break down how it works, the rules you need to know, and the strategies that can get you there. We cover the superannuation pension phase, the transfer balance cap, and key ways to grow and structure your super for maximum tax-free income. If you're serious about building long-term wealth and securing a comfortable retirement, this episode is a must-listen.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick talks to Guidance team member Brenden Butler about ways to build financial security in your thirties. We'd love to hear your feedback. Send us a message via the Guidance website. Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

It's one of the most common questions in retirement planning — when is the right time to move your super into the pension phase? In this episode, we unpack the pros, cons, and grey areas of converting superannuation to a pension. From tax implications and minimum drawdowns to defined benefit funds and surplus income, we explore when the default advice might not be the best fit. Whether you're planning ahead, approaching retirement, or already enjoying it, this conversation will help you navigate one of the most important financial decisions you'll make.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick talks to solicitors Sheredyn Legg and Stephen Fries about the basics of estate planning. We'd love to hear your feedback. Send us a message via the Guidance website. Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

An understanding of the concept known as “real return” is worth getting your head around. Without it, there is the potential to make investment mistakes.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week on the Wealth Builder podcast Nick talks to accountant David Markovski about all things capital gains tax to make sure you don;t pay more than you need to. We'd love to hear your feedback. Send us a message via the Guidance website. Need help? - Learn about our Wealth Builder program Subscribe to our weekly GainingCHOICE email General advice disclaimer

Are all properties guaranteed to rise in value? Is a Self Managed Super Fund always the smarter choice? In this episode of Financial Autonomy, Paul tackles two of the most persistent myths in personal finance and reveal the hidden risks that can cost you dearly. From the pitfalls of off-the-plan property purchases to the real costs (and responsibilities) of managing your own super, we'll cut through the noise and give you the perspective you need to protect your wealth. If you've ever been told “property never loses value” or “SMSFs always outperform,” this is the episode you can't afford to miss.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

Welcome to the third episode of our new podcast Wealth Builder. In this episode Nick talks to Financial Autonomy host Paul Benson about whether your super is safe, considering recent events. We'd love to hear your feedback. Send us a message via the Guidance website.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

Interest rates are falling for the first time in years — good news for borrowers, but a big question mark for savers. More importantly, what does this shift mean for the stock market and your investments? In this episode, we break down how interest rate moves ripple through the economy, influence business profits, shape investor behaviour, and ultimately impact your super and savings. Join us as we explore what these changes could mean for investors in the months ahead.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

Welcome to the second episode of our new podcast Wealth Builder. In this episode Nick talks to accountant David Markovski about family trusts, who should have one and what should be taken into consideration before creating one. We'd love to hear your feedback. Send us a message via the Guidance website.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

With house prices soaring, more parents are looking for ways to support their children's first step into the property market. But how do you strike the balance between generosity and protecting your own financial security? In this episode, we explore the practical options available, the risks to watch out for, and strategies to make sure your support doesn't come at the expense of your future.   Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

Welcome to the first episode of our new podcast Wealth Builder. Host and Guidance Financial Planner Nick Donato invites guests on to discuss issues relevant for those in the wealth buidling phase of life. The use of family trusts, capital gains tax strategies, getting started with investing, debt recycling, and plenty more will be dived into in upcoming episodes. In this first episode Nick talks to the Financial Autonomy OG Paul Benson about what is wealth, how should we define "wealthy", and what are the common ways to get there. We'd love to hear your feedback. Send us a message via the Guidance website.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

Ever been let down by a hyped movie — or pleasantly surprised by a random pub band? Expectations shape how we experience things — and that includes investing. In this episode of the Financial Autonomy podcast, we explore what realistic expectations look like for your superannuation and investment returns. We'll talk about the link between risk and return, how your timeframe influences outcomes, and why unrealistic assumptions can lead to poor financial decisions down the track. If you're planning for retirement or just want to invest smarter, this episode will help you set clearer, more grounded goals.   Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

With the new financial year underway, this episode explores key strategies to help you get ahead—like adjusting your super contributions, reviewing personal insurance, boosting savings, and even exploring gearing opportunities. Plus, we look at why financial modelling could be the most valuable move you make this year. Tune in and start the new financial year strong.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

After spending time working remotely in France, I came away with a deeper appreciation for the different ways countries manage their economies and social systems. France offers incredible public services and a rich cultural experience — but also faces some complex challenges that many nations share. In this episode, I reflect on what I observed abroad and what it revealed about Australia's own strengths and opportunities. Sometimes, seeing how others do things gives us a better perspective on where we stand.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

In this episode, we explore the single most important — yet often overlooked — action that successful investors rely on: doing nothing. When markets become volatile and headlines stir fear, the instinct to react quickly can be hard to resist. But often, the smartest move is to stay calm and hold your ground. We'll talk about why patience is one of the most powerful tools in your investing toolkit, how to manage the emotional rollercoaster that can come with market drops, and when it's actually the right time to make changes to your portfolio. If you've ever felt unsure about whether to act or sit tight, this episode will give you the clarity and confidence to stay focused on your long-term goals.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

A significant portion of the work that we do for clients entails financial modelling to help understand what is possible. Frequently, we arrive at the conclusion that the person's long term outlook is very secure, and indeed they likely have wealth in excess of requirements. Most commonly in this circumstance, people start to think about early inheritances, and perhaps spending a little bit more on lifestyle. But another path to be pursued, particularly for those without children, is to think about how you might support causes that you are passionate about. Charitable giving not only has a profound impact on society but also brings a deep sense of personal fulfillment to those who give. Our role as financial planners is to ensure that your charitable giving is done in a way that maximises its impact, considering elements such as tax efficiency, and long term sustainability. Thanks for joining us for another episode of the Financial Autonomy podcast. Let's dive into this week's piece - Making a Difference, Smart Ways to Support Causes You Care About.   Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

Your home isn't just where you live — it can also be a powerful asset in your long-term financial plan. In this episode, we look at how shifting your housing as your life changes can open up smart strategies to build wealth and strengthen your retirement outlook. From understanding how property values tend to hold up in Australia, to making the most of tax-free gains and superannuation opportunities, you'll learn how to turn a necessary life transition into a financial win. If you're thinking about your next move — whether it's upsizing, downsizing, or planning for the future — this one's for you.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week, we're unpacking a real-world financial dilemma: one person's uneasy experience after being advised to move her super from a large industry fund into something she'd never heard of—a wrap account. So… what exactly is a wrap? And when (if ever) should you consider one for your superannuation or investments? Join me as I explain: What wrap accounts are and how they work The pros, cons, and costs compared to mainstream super funds When wraps make sense—and when they don't How to spot potential conflicts of interest in financial advice Whether you're nearing retirement or just trying to make sense of your investment options, this episode will give you the clarity to navigate wrap facilities with confidence.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

It's one of the most common retirement questions—how much super is enough? In this episode, we explore how to estimate your retirement needs based on lifestyle, spending habits, and travel plans. You'll walk away with practical tips to start shaping a retirement plan that actually fits you.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

With interest rates starting to fall, is there an opportunity to utilise the equity in your home for investment purposes and accelerate your wealth creation? It's something we're certainly evaluating with several of our clients, so I thought I'd share with you today our current thinking.    Subscribe to our weekly GainingCHOICE email General advice disclaimer

When we head off on vacation we don't barrel off down the highway, pull up at some random point hours or days down the road, and camp out for the next fortnight. When we depart for our holiday, we know our destination. Clarity on the location of our holiday is essential so that we know what to pack, whether it's affordable, and whether we're likely to be happy when we get there.  In a financial planning context, clarity as to your goals is the essential element for success. There are plenty of potential investment pathways that could be followed. Selecting the one that's right for you very much depends on the destination that you are hoping to arrive at. A suitable financial planning strategy for someone whose goal is to have the option of retirement at age 60 would look quite different to someone whose goal was to be able to work two days per week whilst their children were in primary school.  So, when it comes to financial planning, goals are essential. But goals alone are not enough. There is one extra step that is required for success.   Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

In this episode, we dive into the debate between active vs. passive management, exploring the claims made by fund managers during a recent teleconference. Is 2025 the year active management finally outperforms passive investments? With decades of data suggesting otherwise, we break down why the odds of success for active managers may not be in their favor—and why sticking with passive investments could still be the smarter choice for most investors. Tune in for insights into market trends, risk management, and the truth behind the numbers.   Subscribe to our weekly GainingChoice email General advice disclaimer

Wanting to get your head around tax within the superannuation system makes total sense. Our savings accumulate in this regime, however there are restrictions on how we can access the money, and for the vast majority of us, we are forced to save into this vehicle. How does a government manage to force people to save? Sure they can legislate, but in a democratic society, that won't produce a lasting impact. The population needs to be on side, and simply being told it's for your own good isn't going to cut it. The carrot then, is tax concessions.    Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

Despite the current low rate of unemployment, there seems to be a mini wave of redundancies in the middle and senior ranks of many companies at present.     Experiencing redundancy can be a significant blow to your confidence. However, it's crucial to recognise that redundancy is rarely a reflection of your performance, skills, or dedication. More often than not, it results from shifts in the industry, changes within the company, or simply the natural structure of the workforce. Organizations evolve, and roles that were once essential may no longer fit within the new direction.    While redundancy can bring about financial and emotional stress, including concerns about maintaining your lifestyle and finding new employment, it also presents opportunities. This transition can be the perfect moment to re-evaluate your career path and explore new possibilities that may have been out of reach before. Whether it's pursuing a different career, starting your own business, or finding greater work-life balance, redundancy can serve as a catalyst for positive change.    Subscribe to our weekly GainingCHOICE email General advice disclaimer

With an awareness of the challenges of high hiouse prices and resultant large mortgages, intergenerational wealth transfers - in the form of early inheritances - are happening more and more. So if you find yourself in the fortunate position of receiving an early inhertance, what are the smart moves to put you and your family on the path to financial security, and appropriately honour the hard work that went into the generation of the wealth?   Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

Bitcoin has got a fresh wave of energy since Donald Trump's election win, and we've had quite a few questions from our clients. We are all susceptible to FOMO. Hopefully sharing these thoughts will help you decide what makes sense for you.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

Australia's superannuation system is undeniably complex, yet it plays a pivotal role in our financial lives. With compulsory contributions mandated by law, the system is designed to ensure that the age pension serves as a safety net for basic living expenses, rather than the primary source of retirement income. To achieve a comfortable retirement, understanding the mechanics of superannuation contributions is essential.    Subscribe to our weekly GainingCHOICE email General advice disclaimer

Stock market returns were phenomenal in 2024. But strong returns can plant the seed for an unexpected risk. This risk is known as recency bias. Holding an awareness of recency bias is the best way of ensuring you don't fall victim to its draw, so this week, let's take a look at this often overlooked risk factor.   Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

A few weeks back in the episode about the Superannuation Sweet Spot, I made reference to the transfer balance cap of $1.9 million. I've since had a few questions about how this operates, so this week I thought we'd dig into some extra detail on this particularly important piece of the superannuation rule book.    Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

The desire for passive income frequently comes up as a goal when I speak with new clients. The idea of earning money before we even get out of bed holds obvious appeal. So this week in the podcast, I thought I'd cover all there is to know about passive income. Where it can be sourced, how you can create it, some of the challenges and misconceptions, tax considerations, and some tips for success.   Subscribe to our weekly GainingCHOICE email General Advice Disclaimer  

In this episode we take a look at the most important concept in finance to understand - compounding.   Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

Consistent with most developed nations, Australia provides incentives for people to save for their retirement. Being self-sufficient in retirement reduces the need for Age pensions and other forms of Social Security.  But saving for your retirement means sacrificing the here and now. Money socked away for your 70s and 80s, is money that you can't enjoy in your 20s and 30s. The opportunity cost is real, so the incentives need to be meaningful.  Fortunately our superannuation system does indeed provide meaningful incentives in the form of tax concessions. There are tax concessions throughout the entire life of your superannuation journey. But I find that sometimes the biggest tax concession of all is overlooked or underappreciated. This week I want to ensure that you understand exactly where the greatest opportunity exists so that you are making the most of the superannuation tax concessions.    Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

It's been a wonderful time to be an investor recently. As regular readers of our GainingCHOICE e-mail will know, the current one year numbers for the trio markets we track are all in double digits, with the US index over 30% up on the year, and the Australian and Emerging markets both up around 20%.  So where to from here? Do such large gains over the past year mean we're destined for a fall? Or is this the early days of a new boom?   General Advice Disclaimer

There's lots of risk when it comes to investing and building wealth. Inflation risk, market risk, timing risk, concentration risk, liquidity risk, credit risk, legislative risk, reinvestment risk, currency risk, leverage risk, and plenty more.  Some risk we want to take – the ones that we can handle and will reward us with extra returns. Other risks provide no benefit to us and so should be avoided at all costs.   Longevity risk, the topic of this week's episode, falls into this second bucket, though it's solution involves the deliberate undertaking of other risk. It's an interesting one for sure, so let's dive in.   General Advice Disclaimer