The Purposeful Investor

Join Aden Wilkins and SMSF expert Jemma Sanderson from Cooper Partners as they unpack the proposed Division 296 tax, separating fact from fiction. Learn about the potential impact on your superannuation, key misconceptions, and strategic considerations for managing your retirement savings.(02:00 - 07:00) What is the Division 296 Tax(07:00 - 12:00) Debunking myths about superannuation tax rates(12:00 - 16:00) Unrealised gains and lack of indexation(16:00 - 24:00) Exploring alternative investment strategies(24:00 - 33:00) Managing potential tax implicationsMaterials:Div-296-3m-tax.pdfFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden Wilkins in this bonus series, as he's joined by Michael Hayward, Principal Wealth Adviser at Capital Partners, shares his remarkable 20-year journey in financial planning. Discover how a chance encounter, a love for goal-setting, and a passion for helping others led him to become a trusted adviser.Michael reveals the secrets behind providing clients with financial security, discusses his unique background as a six-dan black belt in Taekwondo, and explains why being a "Family Guardian" drives his professional approach. (00:00 - 03:12) Michael Hayward's passion for investing(03:25 - 05:15) Early days at Capital Partners05:25 - 06:41 How a taekwondo background has influenced professional discipline(06:50 - 09:06) Providing clients with a sense of security and peace of mind(09:16 - 10:17) Advising multiple generations of the same family(10:31 - 11:30) Winning CFP of the Year(11:42 - 12:32) Focusing on supporting and setting up families for successFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden Wilkins, Nick Menegola, and special guest former AFL player turned insurance broker Sam Menegola. Sam shares his candid insights on navigating career transitions, maintaining personal identity, and finding purpose beyond professional sports. Learn valuable lessons about self-discovery and prepare for life's next chapter through Sam's personal journey from the football field to the corporate world. (02:34 - 06:02) Sam's AFL Career Journey(06:02 - 10:35) Career Transition and Preparation(10:35 - 19:11) Four Pillars of Transition(19:11 - 33:37) Skills Learned from Professional Sports(33:37 - 42:05) Retirement Insights and AdviceFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join us as David Rossbach shares his journey to becoming a wealth adviser at Capital Partners. Discover how resilience, a passion for helping others, and a commitment to client-first advice has shaped his career. David opens up about mentoring, working with medical professionals, balancing family life with ultra-marathon training, and why he loves what he does.(00:00 - 03:32) David Rossbach's journey into financial planning(03:32 - 05:16) The difference between the UK experience and Capital Partners(05:16 - 07:10) The liberation of working at Capital Partners(07:10 - 08:16) Mentoring others and learning from client interactions(08:27 - 09:56) Working with medical professionals(10:04 - 10:50) Balancing work, family, and his own passions(11:44 - 12:31) Focusing on providing opportunities for the future generationsFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Hosts Aden and David are joined by Nick Menegola and Dr Steve Garth. Together, they unpack the latest market volatility, trade tensions, and economic uncertainties. Listen now to learn how to stay calm, make rational investment decisions, and understand the real story behind the headlines. (05:00 - 15:00) Trade Wars and Market Volatility(15:00 - 25:00) Market Performance Analysis(25:00 - 35:00) Media and Investor Psychology(35:00 - 45:00) Investment StrategiesResources:We've seen bad movies like this before - Capital PartnersFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join David Andrew, founder of Capital Partners, as he reveals his personal investment journey, sharing candid insights about saving, automating finances, and building wealth. Learn from his experiences, including early investment mistakes, the importance of long-term thinking, and how David and his wife, Robyn, have approached financial planning.(02:35 - 06:16) Early financial habits(06:16 - 12:48) Automating finances(12:48 - 17:30) Worst investment experiences(17:30 - 23:35) Investment Philosophy(23:35 - 30:24) Asset allocation(30:24 - 34:04) Modest home choices(34:04 - 41:08) Exploration of alternative investments(41:08 - 43:46) Key financial lessonsFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Joining us today is financial professional and wealth strategist Tim Andrew; that's right—David's son is here in the studio. Tim shares his personal journey into financial literacy, providing a practical guide for young adults, from childhood money lessons at the dinner table to navigating the challenges of budgeting, property investment, and long-term wealth-building. Learn how to structure your finances, avoid common money traps, and make smarter financial decisions—whether saving for a home, managing cash flow, or planning long-term investments—a must-listen for young professionals looking to build financial security.(0:05 - 0:10) Tim's early money memories: financial conversations at home(0:10 - 0:15) Budgeting strategies and the ‘bucketing' method for saving(0:15 - 0:20) Credit cards, borrowing power, and why Tim stopped using one(0:20 - 0:25) Property investment(0:25 - 0:30) Lessons learned from financial mistakes and adjusting lifestyle spending(0:30 - 0:35) The importance of long-term investing, index funds, and compounding returns(0:35 - 0:40) Superannuation: understanding its value and common mistakes to avoidFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden Wilkins in this bonus series, as he's joined by John Ryan, senior wealth adviser at Capital Partners, who shares his fascinating career transformation from police officer to financial planner. Discover how personal experiences, critical thinking skills, and a passion for helping people led him to become a strategic wealth advisor. John reveals insights into working with complex family groups, his unique office connection ritual inspired by the Crusaders rugby team, and the importance of entrepreneurial thinking. A compelling story of adaptability, connection, and finding purpose in one's professional path.(0:05 - 0:10) Career journey from police academy to financial planning(0:10 - 0:15) The health insurance that sparked interest in financial planning(0:15 - 0:20) Skills learned from previous careers(0:20 - 0:25) Working with family groups, rural businesses, and not-for-profit foundations(0:25 - 0:30) Unique office connection ritual(0:30 - 0:35) Discussion of money personality(0:35 - 0:40) Reflection on entrepreneurial aspirationsFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden Wilkins and David Andrew explore the psychology behind financial decision-making, drawing insights from Morgan Housel's award-winning book, The Psychology of Money. They discuss key concepts such as why no one's financial mindset is irrational, the difference between getting wealthy and staying wealthy, and why true wealth is often invisible. They also explore how different people play different financial games, emphasising the importance of understanding your own financial journey rather than comparing it to others. This episode is packed with practical wisdom on smart money habits, avoiding common pitfalls, and making financial decisions that align with your goals.(5:00 - 10:00) No one's crazy – How experiences shape financial behaviour(10:00 - 16:00) Getting wealthy vs. staying wealthy – Different skills required(16:00 - 22:00) Wealth is what you don't see (22:00 - 26:00) Why comparisons can be misleading(26:00 - 32:00) Investment mindsets and risk toleranceResources: The Psychology of Money: Timeless lessons on wealth, greed, and happiness : Housel, Morgan: Amazon.com.au: BooksFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this special Adviser Profile Series, we sit with Kathryn Creasy, Head of Advice and Wealth Adviser at Capital Partners. Kathryn shares her career journey from marketing to stockbroking and eventually into financial planning.She reflects on the challenges and rewards of her role, the lessons learned along the way, and what she enjoys most about working with clients and mentoring the next generation of advisors. Kathryn also discusses her passion for empowering women in finance, her involvement in the Empower Her study tour in New York, and why financial confidence is key for those navigating major life transitions.This episode offers an insightful look into the world of financial advising and Kathryn's unique approach to helping clients and growing a sustainable, values-driven business.(2:00 - 5:00) Kathryn's career journey: From marketing to financial planning(5:00 - 7:00) The transition to Capital Partners and early challenges(7:00 - 10:00) Becoming Head of Advice and her role in the executive team(10:00 - 12:00) Passion for empowering women in finance(12:00 - 14:00) A standout Capital Partners memory: Becoming a shareholder(14:00 - 16:00) Kathryn's money personality: The Freedom SeekerFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Mike Aitken, Founder of Magus Wealth in London, chats with your hosts, David and Aden about the key to good financial advice: getting to know clients.He put it this way: "If I don't understand where you want to go, why it matters to you, and what values are driving you, it's a bit like a Chinese takeaway. You eat it, but half an hour later you're hungry again because there's no real substance."At Magus Wealth, they focus on four main areas: want, plan, invest and behave. The 'want' part is all about figuring out their client's values, vision and any hurdles they might face.Aitken pointed out, "If you're talking about investments and performance for more than five minutes, you're in the wrong meeting. Clients don't really care that much about what's going on under the bonnet."His book, 'The Level-Headed Investor' dives into this client-centred approach.Michael wraps up by saying, "You don't want to be the richest person in the cemetery. What are you going to use that money for? Understanding clients, their families, and relationships is crucial - and it's not always smooth sailing."The discussion explores the key principles of Mike's "Invester's Compass" and the importance of understanding one's values and vision, developing a comprehensive financial plan, and cultivating the right investment behaviours.(0:58 - 5:00) Mike on his background and journey into the financial services industry(5:00 - 12:00) "The Levelheaded Investor"(12:00 - 20:00) The importance of understanding client values and vision(27:00 - 35:00) The rewarding aspects of building long-term client relationships(35:00 - 41:00) The importance of financial educationResources:The Investors CompassFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden and David discuss their predictions for what likely won't happen in 2025. They dust off the crystal ball and share 10 forecasts that probably won't come true, including the unlikelihood of getting rich quick, accurately predicting market risks and opportunities and the ineffectiveness of Trump's tariffs. Aden and David provide insights on the importance of long-term financial planning, the unpredictability of markets, and the value of diversification. This episode offers a refreshing perspective on avoiding common investment pitfalls and staying focused on sustainable wealth-building strategies.(5:00 - 10:00) Getting rich quick(10:00 - 16:00) Predicting risks and opportunities(16:00 - 22:00) Trump's tariffs(22:00 - 26:00) Job losses to AI(26:00 - 32:00) Expert forecasts(32:00 - 37:00) Personal stock picking(37:00 - 42:00) Portfolio performanceResources:Forecasts vs. Reality HeatmapFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

David is joined by special guest Dr. Lewis Marshall, a longtime client of Capital Partners and his financial adviser, David Rossbach.Dr. Lewis Marshall looks back on his time as a doctor and his journey into retirement. He stresses how crucial it is to plan your finances, keep up with friends and family, and dive into hobbies you enjoy. Dr. Marshall recounts his retirement journey, detailing the early career aspirations that led him to become a sexual health physician. He details his approach to financial planning later in life, offering valuable insights into doctors' unique financial challenges and emphasising the importance of having a trusted adviser to navigate the complexities of retirement planning.(0:35 - 4:00) The journey into becoming a sexual health physician(4:01 - 11:00) The misconceptions and prevalence of STDs(11:01 - 18:30) Dr. Marshall on his financial journey(18:31 - 24:30) The importance of having something to retire to(24:31 - 32:00) Fears about retirementFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden and David sit down with Laura Tarbox, founder of Tarbox Family Office in Newport Beach, California. Laura shares her journey from the "dark side" of the financial industry to building a successful fee-only, fiduciary-focused firm.She discusses the challenges her clients face, such as passing on wealth and values to the next generation, managing risk, and finding meaningful ways to give back through philanthropy. Laura also provides insights into her investment philosophy, which has evolved from stock-picking to a more evidence-based, tax-efficient approach using index funds and ETFs.(0:30 - 2:30) The "dark side" of the financial industry(2:30 - 6:00) The family office model(6:00 - 10:00) The Global Association of Independent Advisors (GAIA)(10:00 - 15:00) Passing on wealth and values to the next generation(15:00 - 20:00) Exploration of the role of philanthropy(20:00 - 26:00) Laura's investment philosophy evolutionFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden as he sits down with Denise Cheng, Equity Trustees' national Manager of Active Philanthropy, who shares her expertise on the transformative world of structured giving and philanthropy.  Discover how you can become a philanthropist, regardless of your wealth level, and learn about the growing movement of "Doubling Structured Giving" in Australia. Denise delves into the cultural differences in giving between Australia, the US, and the UK, explains the accessibility of structured giving vehicles, and explores the key reasons that motivate people to engage in purposeful giving, from tax benefits to the desire to create a lasting legacy.(00:26 - 02:25) Denise on her career journey(02:53 - 07:47) Explanation of philanthropy and structured giving(07:47 - 12:21) How structured giving can bring families together(12:21 - 17:16) Connecting families with aligned philanthropic causes and witnessing the impact of their donations(17:36 - 21:48) The process of helping clients find the right causes and charities to support(21:48 - 24:22) Explore structured giving even with modest meansFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

New Capital Partners founder, Charmaine Lamprecht and founder, David Andrew, unpack their thoughtful approach to succession planning. Hear Charmaine's inspiring journey from a curious traveller to a key team leader and how she and David have meticulously built a culture and team to ensure a seamless transition. Discover the guiding principles that will shape the future of Capital Partners, and gain insights into how Charmaine and David plan to maintain the firm's personalised client experience while embracing strategic growth.(0:00 - 5:00) Introduction(5:00 - 15:00) The transition of managing director(15:00 - 25:00) Growth journey(25:00 - 35:00) Charmaine's background(35:00 - 45:00) Charmaine's leadership philosophy(45:00 - 50:00) A glimpse into what the future holds for Capital PartnersFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden and David reflect on the key milestones and events of 2024. They discuss the firm's growth, team achievements, and personal milestones, as well as provide insights into the performance of financial markets and global events over the past year. The hosts also share their gratitude for their clients and listeners and encourage everyone to adopt a mindset of positivity and gratitude as they look ahead to 2025. This episode offers a comprehensive recap of the year that was and sets the stage for an exciting new year to come.(00:01 - 02:12) Introduction(02:13 - 07:30) Wins of the week(07:31 - 13:57) The performance of financial markets in 2024(14:00 - 20:00) Global events in 2024(20:01 - 29:35) Wishing everyone a safe and happy holiday seasonFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, host Aden Wilkins is joined by Capital Partners founder David Andrew and investment coordinator Nick Menegola to unpack the outcomes of the Trump presidency and the 2020 US election. They discuss key policy proposals from the Trump administration, including trade, immigration, fiscal policy, and their potential impact on inflation and the US economy.  The conversation also touches on the challenges of forecasting and the importance of maintaining a diversified, long-term investment approach, regardless of who is in the White House.(0:00 - 0:12) Introduction(0:12 - 1:47) Wins of the week(1:47 - 5:00) Overview of the key policies proposed by the Trump administration(5:00 - 10:00) Exploration of the trade policy proposals(10:00 - 15:00) Analysis of the immigration and labour market implications of the Trump policies(15:00 - 22:00) Examination of the fiscal policy proposals(22:00 - 28:00) Discussion of the overall economic outlook for the US under the Trump presidency(28:00 - 32:00) The unpredictability of markets and the need to focus on disciplinedResources:https://capital-partners.com.au/wp-content/uploads/2024/12/Trump-election-graphic.pngFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden, David and special guest Hannah Hardy-Jones from Contented AI explore the transformative potential of artificial intelligence (AI) and how it is reshaping businesses and the workforce. Discover practical applications of AI, the economic and workforce implications, and the importance of balancing innovation with privacy and security. Hear real-world examples of AI streamlining administrative tasks, enhancing productivity, and elevating the human experience. (0:00 - 5:00) Introduction(5:00 - 10:00) Positive focus of the week(10:00 - 20:00) Hannah Hardy Jones' background and Contented AI(20:00 - 35:00) Current and future applications of AI(35:00 - 45:00) AI in business and client relationships(45:00 - 55:00) Privacy and data security in AI implementation(55:00 - 1:00:00) Future of AI and human interactionListen to understand the myths and realities surrounding AI and how to strategically integrate this powerful technology into your business processes. For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden is joined by wealth advisers David Andrew and Michael Hayward to explore the often-overlooked but critical role of personal insurances in a well-rounded financial plan. From life insurance to trauma and income protection, they discuss how these "necessary evils" provide a safety net for families facing unexpected health events or financial crises. Whether you're planning for your family or your business, learn how to assess the right insurance mix to safeguard your future.0:00:01 - 0:02:06 Introduction0:02:07 - 0:07:13 Different types of personal insurances0:07:14 - 0:13:26 The purpose of personal insurance in a financial plan0:13:27 - 0:18:02 The psychological and practical aspects of insurance coverage0:18:03 - 0:23:53 The importance of insuring adult children and the hazard involved0:23:54 - 0:32:14 Key takeaways on the role of insurances in a comprehensive family wealth management planFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden and David discuss the importance of longevity risk - the possibility of outliving your investment assets in retirement. They explore how life expectancies have changed over time, the concept of a "longevity mindset", and the challenges of balancing spending versus saving. They also cover the tools and frameworks that Capital Partners uses to help clients make informed decisions about funding their retirement lifestyle. This episode provides valuable insights for anyone concerned about having enough to support themselves throughout a potentially longer retirement.0:00 - 3:00 How retirement and life expectancies have changed over time 3:00 - 9:00 The statistics and trends around increasing life expectancies 9:00 - 15:00 The "spender" versus "saver" behavioural tendencies 15:00 - 24:00 Making informed decisions about funding a retirement lifestyle 24:00 - 32:00 The "retirement multiple" concept 32:00 - 43:00 The importance of regularly reviewing and updating financial projectionsFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden and David explore the critical issue of entitlement within affluent families.They are joined by wealth advisers John Ryan and Milena Konig to unpack the definition of entitlement, how it has evolved across generations, and the key role of family values and storytelling in developing a stewardship rather than an entitlement mindset. Drawing on their extensive experience advising clients, Milena and John provide insights into the varying perspectives on wealth that can exist within families. They emphasise the importance of grounding decisions in clear family values to protect against the entitlement trap - instilling the right behaviours in the next generation.0:00 - 5:00 Introduction to the topic of avoiding the entitlement trap 5:00 - 10:00 Defining entitlement and how it relates to affluent families 10:00 - 15:00 Observations on how entitlement attitudes have evolved across generations15:00 - 20:00 The role of family values and storytelling in developing a stewardship mindset20:00 - 25:00 Insights from the guests' experiences advising clients on wealth and entitlement25:00 - 32:00 The importance of grounding wealth management decisions in family values32:00 - 38:00 Practical examples of helping adult children without enabling entitlement38:00 - 43:00 Generational perspectives and advice for avoiding the entitlement trapFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden and his guests dive into a common investment question: "Why not just stick to an S&P 500 ETF and a bond ETF?" Featuring insights from Nick Menegola and Dr. Steve Garth, they explore the importance of diversification, balancing growth and defensive assets, and why investing in global markets—including Australian shares—can offer more stability and long-term success than focusing solely on the U.S. market. Whether you're new to investing or a seasoned pro, this episode will help you think more strategically about your portfolio.00:00 Introduction and guest introductions04:14 Little wins of the week06:33 Discussion on asset allocation and growth vs. defensive assets07:46 International vs. Australian shares12:21 Diversification and market cycles15:55 Bond ETFs and fixed income investments21:55 Final thoughts on asset allocation and investment strategyResouces:Equity returns of developed markets graphicFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this special episode of The Purposeful Investor, Aden sits down with David, the founder of Capital Partners, to celebrate the firm's 25th anniversary. David reflects on the entrepreneurial journey that led him to establish the firm, the values that have guided its success, and the lessons learned along the way. From humble beginnings in 1999 to becoming a trusted financial adviser to affluent families, David shares personal stories, key milestones, and the investment philosophy that has stood the test of time. Listen as we explore how Capital Partners has built a culture of trust, client-focused advice, and mentorship, and what the next 25 years hold for the firm. Whether you're an investor, entrepreneur, or simply curious about wealth management, this episode is packed with insights on creating a lasting legacy of financial success.0:00-2:00 Introduction2:00-8:00 The founding of Capital Partners in 19998:00-12:00 The addition of Chris and Michael as partners in 200312:00-17:00 Insights into the growth and evolution of the business17:00-23:00 Changes and consistencies in the business over 25 years23:00-30:00 Future plans, reflections, message to the team and clientsFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode Aden sits down with Rakesh Shah and Damon Sugden, Principals and Wealth Advisers at Capital Partners, to discuss the importance of looking beyond just simply the financial aspects of retirement planning. They share their personal journeys and insights on how to create a truly fulfilling and purposeful retirement, going beyond the common focus on the "magic number". The conversation explores the deeper questions. It asks listeners to envision their best possible retirement, moving past the traditional emphasis on money and numbers.(00:01 - 01:42) Wins of the week(01:42 - 0:04:33) Purposeful retirement planning04:33 - 11:18) Establishing a blueprint for your desired retirement(11:18 - 20:47) Having a trial run retirement periodLearn more about Capital Partners' approach to retirement planning: Retirement Planning Perth - Capital Partners (capital-partners.com.au)For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode,  Aden and David discuss key concepts from Morgan Housel's book "Same as Ever" that remain constant even in an ever-changing world. They explore the idea that risk is often unforeseen, and the power of small, consistent habits compounding over time. The hosts also examine how expectations impact happiness more than reality itself. David shares the "same as ever" principles he has seen over 25 years at Capital Partners, including having a strong foundation through values and goals, tuning out noise, and investing in human ingenuity. (0:00:01 - 0:10:00) "risk is what you don't foresee"(0:10:00 - 0:15:15) Positive habits or small unhealthy choices(0:15:15 - 0:19:32) Expectations vs reality(0:19:32 - 0:22:08) Having a strong foundation of values/goals(0:22:08 - 0:27:33) Examining investing in human ingenuityFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This episode of The Purposeful Investor podcast discusses the importance of creating a legacy plan and working with professionals to ensure a healthy legacy. Hosts' Aden and David, talk about leaving more than just money behind and helping the next generation be successful. They discuss carving out time for strategic thinking, focusing on family, ensuring one's children have a great education and understanding of financial success. Creating a structured yet flexible plan that considers safety, values, and relationships can help you live your legacy.(0:00:01 - 0:02:27) Introduction and wins of the week(0:02:27 - 0:04:57) Recap of the wealth with purpose series so far(0:04:57 - 0:09:11) What is a legacy and healthy legacy plan(0:09:11 - 0:13:35) Discussion of structured safety(0:13:35 - 0:17:53) Active stewardship(0:17:53 - 0:21:27) Importance of services being available to client's and their childrenFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, we explore insights from a study of 50 successful business owners in Western Australia. Discover the key mindsets and strategies that enabled these entrepreneurs to achieve remarkable success, both professionally and personally. Learn about the importance of continuous growth, transitioning from "lone wolf" to "pack leader", building a reliable support network, and creating a lasting family legacy through philanthropy. 0:00 - 2:00 - Wins of the week2:00 - 8:00 - Exploration of the "evolving entrepreneur" pillar8:00 - 13:00 - The transition from "lone wolf" to "pack leader"13:00 - 17:00 - The concept of "building your bench"17:00 - 22:00 - Freedom comes from discipline22:00 - 28:00 - Achieving entrepreneurial freedom28:00 - 34:00 - The importance of creating a family legacy through financial planning34:00 - 38:00 - The benefits of structured philanthropy 38:00 - 42:00 - Thoughts and key takeaways for business ownersFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, David and Aden continue their discussion on wealth management and investment planning. They talk about understanding the power of share markets and why we invest in them. David explains that investing should seek reliability in order to fund your financial plan, rather than trying to "shoot the lights out". They discuss the importance of diversification and how most of the effort that goes into curating the perfect portfolio is unnecessary. 0:00-5:00 - Welcome and wins of the week5:00-11:50 - Understanding the share market system11:50-19:00 - Funding your financial plan19:00-25:30 - The importance of diversification and asset classes25:30-36:00 - Company size, value and profitability that impact returns For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, hosts' Aden and David sit down with Investment Coordinator Nick Menegola to discuss the key factors that shaped the 2023-2024 financial year and how they played out in investment markets. The conversation covers the ongoing battle against inflation and interest rates, the surprising resilience of the global economy, and the unique "Innovation Hub" setup the team uses to work on new projects. Gain valuable insights into the state of the markets and the strategies employed by the Capital Partners Investment Committee.For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden interviews, Steven Boyce, Wealth Adviser and Principal at Capital Partners. They discuss findings from Steven's research of over 50 successful business owners into what makes them successful. Importantly, finding what all successful business owners have in common.(0:00-0:12) Introduction and welcome (0:12-0:39) Steven shares his "win of the week" (0:39-1:02) The findings from research into what makes a successful business owner (1:02-5:000 The first key area of "Business Builder" (5:00-5:39) Understanding the critical numbers.For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden and David chat about strategic planning for wealth. David explains why having a plan is crucial to tilting the odds of fairness in your favour. He discusses the key outcomes a strategic plan should deliver, such as being on track to achieve your goals and maximising available cash flow. David also stresses the importance of minimising taxes. This insightful discussion provides valuable guidance for anyone looking to develop a strategic approach to managing their finances and achieving their purpose with their wealth.Summary: (0:00:01 - 0:01:12) Introduction and wins of the week (0:01:12 - 0:03:56) The importance of cultural fit (0:03:56 - 0:08:14) Tilting the odds of fairness in your favour (0:08:14 - 0:11:36) Being on track to achieve goals, maximising cash flow, minimising taxes, properly structuring debt, minimising investment risks, and protecting assets. (0:11:36 - 0:14:05) Having a thinking partner for financial planning (0:14:05 - 0:17:40) Starting a plan with a net worth statement (0:17:40 - 0:21:27) Comprehensive information gatheringResources:The Human Capital ModelFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This episode of The Purposeful Investor provides an update on the hot Perth property market. Lachlan Delahunty from Performance Property shares his insights on the current conditions, discussing high demand, low stock levels, and multiple offers being common. He explains how property market cycles typically work, with periods of growth and stagnation. Lachlan compares the current Perth cycle to previous ones as well as other Australian cities like Brisbane and Adelaide in recent years. He discusses how Perth is now attracting eastern state investors, showing it has entered a strong growth phase. The challenges for first-home buyers in the current competitive environment are also touched on.0:00 - 00:31: Introduction with Lachlan Delahunty00:31 - 02:07: the wins of the week 02:07 - 02:54: The current Perth property market 02:54 - 04:25: High demand, low stock, and competitive conditions 04:25 - 06:15: Property market cycles 06:15 - 07:06: Attracting eastern state investors 07:06 - 10:00: Challenges for first home buyers 10:00 - 11:31: Highest levels of demand 11:31 - 13:20: Downsizing opportunities and challenges 13:20 - 14:57: Ensuring clients can complete transactionsFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, David discusses the importance of understanding a client's "why" before developing a financial plan. He explains how exploring your values, goals and priorities helps ensure the plan supports how you want to live your life with meaning and purpose.Resources:Wheel of Life exercise Financial House guideYour Dream ListCreate Inspiring Goals guideIdentify your Values exercise00:01 - 00:13 - Introduction and overview00:13 - 01:56 - "Win of the week" segment 01:56 - 06:06 - Simon Sinek's Golden Circle model06:06 - 07:49 - The "high price of materialism"0:07:49 - 0:11:15 - The three fundamental needs for ensuring financial plans support clients11:15 - 13:56 - The word cloud exercise For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, host Aden Wilkins and Capital Partners Founder David Andrew delve into the intricate world of affluent investors and the evolving landscape of generational wealth. Beginning with a client's inquiry into Australia's net worth demographics, they unpack the concept of affluent investors, emphasising the transition from financial status to complexity management. Exploring global wealth trends and Australia's wealth distribution, they highlight the rise of high-net-worth individuals (HNWIs) and the importance of preparing the next generation for wealth stewardship. Advocating for financial literacy and equality within families, they discuss practical steps and initiatives to empower heirs and ensure effective wealth management, underscoring their commitment to guiding families towards a future of prosperity and fulfilment.0:00-1:11 - Introduction and welcome 1:11-5:00 - Athlete investors and three types of complexity   5:00-10:46 - The three types of complexity - time, technical, emotional 10:46-15:14 - Wealth statistics in Australia, other countries, definition of HNWI   15:14-19:23 - Additional statistics on wealth distribution and real estate values Resources:Australian StatisticsKnight Frank Wealth ReportWhat does $1M USD buy you in SQM across different citiesWhat does it take to be in the top 1%For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden and David discuss David's motivations for writing his book 'Wealth with Purpose', specifically, how he wanted to shift the focus of financial advice away from products and performance to values, goals and priorities.0:00:01 - 0:07:42 - David's frustration with the traditional product-focused approach to financial advice. 0:07:42 - 0:13:32 - The challenging process of writing his first book.0:13:32 - 0:17:30 - The three critical questions clients want answers to around smart decisions, caring for loved ones, living their best life.0:17:30 - 0:22:05 - Taking control of your finances and not drifting. 0:22:05 - 0:30:00 - Automating your wealth and keeping plans flexible.  Resources:Futures ModelFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden and David are joined by Capital Partners' Investment Coordinator, Nick Menegola. Together, they look back at the first quarter of the calendar year.For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This episode has Aden and David discussing what sustainable investing is and how Capital Partners navigates this area after a client expressed concern about holdings in fossil fuel companies.0:02:48-0:03:01 -  SRI considerations 0:17:35-0:18:09 -  Capital Partners' sustainable portfolios 0:19:02-0:20:32 -  Performance expectations 0:18:09-0:18:33 - Diversification in Australia and globally 0:23:59-0:24:53 - Values led decisionsResources:Download  your copy of  Sustainable InvestingSRI slidesFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Every day the financial media has stories about either impending doom or unbridled optimism for the stock market. Not surprisingly, many investors get the urge to move their asset allocations around based on these stories in the hopes of boosting their returns. In this bonus episode, Capital Partners ' investment experts, Steven Boyce and Nick Menegola discuss all things market timing.Click here to watch this episode recording on the Capital Partners YouTube channel.For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden is joined by Capital Partners' senior wealth adviser and principal Kathryn Creasy to discuss the recent gender pay gap report and how women are lagging behind men in areas like superannuation and financial literacy. Touching on sobering statistics, Kathryn also shares hopeful data that shows younger generations of women are more engaged in investing than ever before.  Additionally, she reviews studies demonstrating women often outperform men as investors by taking fewer risks and maintaining a long-term perspective. For anyone seeking financial empowerment or education, this episode provides actionable advice and an inspiring message.[0:00-0:12] - Introduction [0:12-0:25] - Kathryn's "win of the week" [0:25-0:44] - Recent gender pay gap reports and statistics [0:44-1:00] - Women and their own superannuation [1:00-1:20] - Evening out your super balances as a couple [1:20-1:50] - Women vs men as investorsFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, hosts Aden Wilkins and David Andrew discuss navigating uncertainty in share markets from a long-term perspective. They provide statistics showing the dangers of market timing, with David sharing his experience of the Global Financial Crisis and how they coached clients through volatility. They discuss building portfolios with enough buffers to withstand downturns. The hosts explore the emotional and behavioural aspects of investing, referencing research on how the brain processes financial losses similarly to threats. They emphasise the importance of staying disciplined and provide valuable insights on developing a purposeful long-term approach to investing despite uncertainty.Materials:Vanguard Index ChartUS Sharemarket returns post pullbacksBenefit of taking a long-term approachAustralian Share Market - Market Timing Graphs  0:00-5:24: Introduction 5:24-12:06: Market timing and volatility 12:06-14:41: Navigating uncertainty 14:41-23:14: The Global Financial Crisis 23:14-28:09: Long-term investing mindset 28:09-33:33: Behavioral finance and emotionsFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of the Purposeful Investor podcast, host Aden Wilkins speaks with David Andrew, Founder and CEO of Capital Partners, about redefining ambition during retirement. They discuss how retirement planning conversations often focus only on financial security, yet, true prosperity is about living one's best life.Aden and David explore how ambition naturally shifts away from career goals as we age, and the importance of finding purpose and reasons to get up each day in retirement. They address the potential identity crisis and mental wellbeing challenges that can arise from loss of tribe and daily structure.The conversation provides examples of individuals who pursued ambitious and meaningful second acts through staged retirements, consulting work, and charitable pursuits. You will gain insight into transitioning smoothly to retirement by celebrating accomplishments, pursuing new passions, and maintaining a balanced mix of commitments and leisure. This thought-provoking discussion challenges preconceived notions about what is possible in our retirement years.MaterialsThe Power of Dreaming Guide(0:00:01 - 0:03:10) Introduction(0:03:56 - 0:04:56) Purpose in Retirement(0:06:08 - 0:09:10) Ambition and Identity(0:07:44 - 0:09:10) Mental Wellbeing(0:09:28 - 0:10:00) Defining Ambition in Retirement(0:10:04 - 0:11:03) Transitioning to Retirement(0:11:15 - 0:18:31) Examples of Ambitious RetirementFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Discover the fascinating world of money personalities and how understanding each other's differences is crucial for achieving financial success. This insightful episode promises to change the way you view your relationship with money and your loved ones. Join us, your hosts David and Aden, as we share our personal wins and dive into the eight different mindsets people have about money, with a special focus on the Family Guardian personality.  Learn how various wealth personalities impact our approach to financial planning, particularly for family guardians who prioritise their family's needs above their own. We explore the importance of off-farm assets, the role of independent and objective advice, and the unique characteristics of other money personalities like Builders and Maximizers. Discover how these different money personalities interact with financial advisors and the wealth management process.  Lastly, we examine the potential conflicts that can arise between individuals with different financial personalities, such as Maximizers, Mavericks, and Controllers. We discuss the importance of good stewardship, patience, and love in finding balance and harmony in relationships with differing money mindsets. By understanding our own money personalities and those of our loved ones, we can work together towards true financial prosperity. So, tune in and transform your financial future with the knowledge and understanding of money personalities!MaterialsMoney Personalities GuideKey moments00:04:48 Understand money personalities.00:10:44 Take advice to achieve freedom.00:16:06 Trust your financial adviser.00:17:18 Build wealth methodically.00:27:27 Maximizers strive for wealth.00:34:45 Love conquers financial differences.00:40:00 Social spenders seek reward.00:43:30 Save first, spend later.For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This podcast episode of The Purposeful Investor discusses the topic of succession planning for business owners. Hosts, Aden Wilkins and David Andrew define succession planning as the process of transitioning ownership of a business over time. This can take different forms such as an internal succession, a sale of the business, or transferring it to family. David emphasises the importance of considering whether the strategy is to "harvest" the business through sale or pursue a "legacy" strategy of passing it down. He notes that succession involves transitioning not just capital but also leadership roles and maintaining the vision and values of the business.David then draws on his own experience with succession planning at Capital Partners. He explains how they began planning early on to protect clients even with just a few employees. He details the multi-year process of transitioning out founding partner Chris while maintaining services, and culture, and developing new leadership over that time.(0:00:01 - 0:00:11) Introduction(0:00:11 - 0:01:54) Sharing wins of the week(0:01:54 - 0:10:37) "harvest strategy" vs "legacy strategy"(0:10:37 - 0:15:42) Succession planning at Capital Partners(0:15:42 - 0:20:00) Developing new leadership teams at Capital Partners(0:20:00 - 0:28:53) Succession of vision/values(0:28:53 - 0:29:54) Transition of shares to new shareholders over timeFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden speaks with Capital Partners Founder and CEO, David about the evolution of investing from the early 20th century to the present day. They discuss the three major phases - Investing 1.0 which saw stock picking dominate the market in the 1950s and 60s limited by a lack of historical data and computing power. The rise of index funds in the 1970s marked Investing 2.0, made possible by increased data availability and the efficient market hypothesis. Systematic investing emerged in the 1990s as Investing 3.0, leveraging factors like company size, price, and profitability that research showed provided higher expected returns.David and Aden provide statistics demonstrating index funds have significantly outperformed actively managed portfolios over long periods. The episode offers insight into how the investing industry has advanced its practices by incorporating evidence from decades of market data.MaterialsPursuing A Better Investment Experience(0:00-0:16) Introduction(0:16-1:42) Personal wins of the week(1:42-2:18) The three phases of investing(2:18-3:28) Investing 1.0(3:28-7:02) Investing 2.0(7:02-9:00) - Benefits of diversification(9:00-11:02) Investing 3.0For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden and David discuss the importance of progress meetings between financial advisers and their clients. Progress meetings allow advisers to check in on clients' financial plans, goals, investments, and estate plans to ensure they are on track. Aden and David explore what is discussed in a typical progress meeting, including reviewing clients' net worth statements, financial projections, portfolio reports, and estate planning. They emphasise how progress meetings help answer clients' key questions around making smart financial decisions, ensuring the security of their loved ones, and living their best lives.Aden and David also delve into different types of documentation used in progress meetings and how reviewing these documents helps get clients back on track if needed or celebrates goals already achieved.Progress meetings play a vital role in ensuring clients can continuously make course corrections to stay on target with their financial plans as life circumstances change.MaterialsProgress ReportNet Worth StatementLegacy Flow Chart(0:00:01 - 0:01:26) Introduction(0:02:00 - 0:04:20) What is a progress meeting?(0:04:21 - 0:11:27) Common questions and concerns(0:12:25 - 0:14:46) The three key questions in progress meetings(0:14:47 - 0:20:57) Documentation in meetings(0:20:58 - 0:28:24) - A client's ability to achieve goals(0:28:25 - 0:34:06) Estate planning(0:34:07 - 0:37:52) The importance of stewardship(0:37:53 - 0:41:01) The ongoing review through progress meetingsFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, host Aden Wilkins speaks with Capital Partners founder David Andrew about what investors can expect from financial markets in 2024. They discuss the major events of 2023, including China relaxing COVID restrictions, bank problems in the US, and strong returns in global equity markets by the end of the year. David and Aden analyse the performance of different asset classes in 2023 and look at sub-asset classes like value stocks. Get their insights on whether 2024 could continue the market recovery or bring new economic challenges. MaterialsAnnualised Range of Returns for the S&P 500The Benefit of Long-Term InvestingS&P 500 - Good Years Tend to Cluster0:00-1:00 Introduction and welcome1:00-1:53 Global market declines in 2022 setting the stage for uncertainty in 20231:53-4:33 The Bloomberg article4:33-5:43 Stocks and bonds 2022 decline5:43-7:46 China reopening, US bank problems, Middle East conflict and late-year market rallies7:46-10:50 2023 return figures10:50-12:06 Value stocks and tech companies12:06-13:15 Portfolio positioning and outlook for 2024For more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This episode of The Purposeful Investor podcast provides an introduction to Capital Partners Private Wealth Advisers, a wealth management firm based in Perth, Australia. Co-hosts David Andrew and Aden Wilkins discuss their motivations for starting the podcast and share "life's little wins" from their careers. David recounts founding Capital Partners over 20 years ago and how the firm has grown, evolving their investment philosophy over time to focus on reliable, evidence-based strategies. They explore how attracting talented team members has allowed Capital Partners to take on more clients and expand services while prioritising clients and employees. David emphasises exploring possibilities and achieving bigger futures for both staff and clients.Learn about key people who helped grow the business and how ownership has transitioned to new generations. David expresses gratitude to Capital Partners' long-standing clients for trusting the firm to manage over $1.6 billion in assets.(0:00:01 - 0:04:25) Introduction(0:04:25 - 0:12:52) Early years of Capital Partners(0:12:52 - 0:16:09) Developing the business and team(0:16:09 - 0:20:18) Client outcomes and intergenerational wealth(0:20:18 - 0:27:59) Evolution of investment philosophy(0:27:59 - 0:31:29) Aden's story of joining(0:31:29 - 0:36:23) Recent acquisition and gratitudeFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.