BusinessInvestingEducationSelf-Improvement

Financial Autonomy

Guidance Financial Services: Investing & Retirement Planning Experts

What would it take to retire earlier, build a reliable income from your investments or simply have more freedom to live life on your terms?

Financial Autonomy explores how to make the most of the wealth you're building, turn it into lasting financial security and plan for a retirement worth looking forward to.

Join Australian financial advisers Paul Benson and Nick Donato from Guidance Financial Services as they unpack investment strategies, tackle tricky financial decisions and explore the trends and opportunities that could shape your financial future.

Through Paul's explainer episodes and Nick's conversations with industry experts, you'll hear different perspectives, challenge common assumptions and gain insights to help you make more informed decisions about your money.

Whether you're focused on growing your wealth or working out when you can afford to stop working, Financial Autonomy is about making your money work for the life you want.

Play

Open in

27 episodes
Avg 17 min
English

Episodes 27

Newest Oldest Longest

All20 Unplayed20 In progress0 Played0

Counted on this page — what you have heard stays on this device, so it is not something the list can be paged by.

Today · 52 min
Is AI a Bubble or Are We Underestimating What Comes Next?
You don't want to get swept up in the AI hype. But you don't want to look back in ten years and realise you dismissed something enormous, either. So when you hear predictions about robot workers, driverless cities and data centres in space, should you be excited, sceptical or a little of both? After hearing from Cathie Wood, founder of ARK Invest, Nick and Paul unpack the bold predictions in ARK's Big Ideas report. Some could change how we work, live and invest. Others depend on an awful lot going right. But the most interesting question might be what happens if even some of them come true. Inside this episode: Is the excitement around AI getting ahead of reality — or is reality about to surprise us? Could the next wave of technology buy us something more valuable than money? The bold forecasts that have Paul optimistic and Nick asking questions Why the next big AI story might not be the one you're watching Can you believe in the future without buying into the hype? Before you decide it's all a bubble, hear what could come next. WANT HELP MAKING SENSE OF YOUR INVESTMENT OPTIONS? Book an appointment with Guidance here. Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
Sunday · 6 min
Do You Really Need Passive Income to Retire Early?
You've worked out how much passive income you need to stop working. Now you just need to build a portfolio big enough to deliver it. And honestly? That could take years. But what if you're setting the bar higher than it needs to be? The idea of living off your investments without ever touching the capital feels reassuring. You want freedom, but you also want to know your money will last. Could that seemingly sensible goal be keeping you at work longer than necessary? In this episode, Paul Benson challenges a common assumption about passive income and early retirement. He shares a client example where changing one requirement brought their potential retirement forward by seven years. Inside this episode: The retirement condition worth questioning before you commit to more years of work Why selling an investment can feel like failure, even when it's part of the plan How your super could change the target you're working towards When chasing more investment income could take you further from your goal Before you decide you need a bigger portfolio, find out whether you need a different plan. COULD YOU AFFORD TO RETIRE EARLIER? You've spent years building your wealth. When could it give you the freedom to stop working? Guidance Financial Services can help you explore your options and build a retirement plan around the life you want. Explore our retirement planning services. IN YOUR 30s OR 40s? MAKE YOUR MONEY WORK HARDER. The decisions you make today could have a big impact on when you can retire and the lifestyle you can afford. Our Wealth Builder service helps you make smarter decisions about your super, investments and mortgage, with a personalised plan to build wealth and create more financial freedom. Learn more about Wealth Builder and see how we can help you get ahead. Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
Wednesday · 13 min
UPDATED Beyond Building Wealth: 4 Things Your Retirement Plan Might Be Missing
UPDATED: This episode was originally published with the wrong episode audio; it has been republished with the correct audio. Thanks for your patience! You've spent decades working hard, saving and investing to build your wealth. But have you given as much thought to what you actually want to do with it? For many Australians approaching retirement, the focus is on having enough money to live comfortably for the rest of their lives. But what happens when you've built more wealth than you're ever likely to need? Could you be missing opportunities to make a meaningful difference to your family, reduce future tax burdens or enjoy seeing your money put to good use? In this episode, Paul Benson explores why building wealth is only part of the financial planning journey, and the important decisions that come next. From helping your children when they need it most to protecting what you've built for future generations, he looks at how thoughtful planning could help you make more of the wealth you've worked so hard to accumulate. Inside this episode: The important financial planning question that changes once you've accumulated enough wealth How to work out whether you can afford to help your family without compromising your own retirement Why the timing of passing on wealth could make a bigger difference than you realise The tax considerations that could affect how much of your wealth ultimately reaches your loved ones Why your existing Will might no longer provide the protection your family needs How your wealth could make a meaningful difference during your lifetime and beyond THINKING ABOUT RETIREMENT? You've worked hard to build your wealth. Now it's time to make sure you have a plan for what comes next. At Guidance Financial Services, we help Australians approaching retirement understand how much they'll need, what they can comfortably afford to spend and how to make informed decisions about the wealth they've built. Explore our retirement planning services. Visit our website here https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
October 20 · 7 min
Beyond Building Wealth: 4 Things Your Retirement Plan Might Be Missing
You've spent decades working hard, saving and investing to build your wealth. But have you given as much thought to what you actually want to do with it? For many Australians approaching retirement, the focus is on having enough money to live comfortably for the rest of their lives. But what happens when you've built more wealth than you're ever likely to need? Could you be missing opportunities to make a meaningful difference to your family, reduce future tax burdens or enjoy seeing your money put to good use? In this episode, Paul Benson explores why building wealth is only part of the financial planning journey, and the important decisions that come next. From helping your children when they need it most to protecting what you've built for future generations, he looks at how thoughtful planning could help you make more of the wealth you've worked so hard to accumulate. Inside this episode: The important financial planning question that changes once you've accumulated enough wealth How to work out whether you can afford to help your family without compromising your own retirement Why the timing of passing on wealth could make a bigger difference than you realise The tax considerations that could affect how much of your wealth ultimately reaches your loved ones Why your existing Will might no longer provide the protection your family needs How your wealth could make a meaningful difference during your lifetime and beyond THINKING ABOUT RETIREMENT? You've worked hard to build your wealth. Now it's time to make sure you have a plan for what comes next. At Guidance Financial Services, we help Australians approaching retirement understand how much they'll need, what they can comfortably afford to spend and how to make informed decisions about the wealth they've built. Explore our retirement planning services. Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
October 18 · 10 min
Are You Putting Off Enjoying Life Until Retirement?
You've worked hard, built up your savings and investments, and spent years making sensible financial decisions. But when was the last time you gave yourself permission to actually enjoy the money you've earned? It's easy to tell yourself you'll take that big holiday, make that purchase or finally start doing the things you've dreamed about once you retire. But what if waiting comes at a cost you haven't considered? In this episode, financial adviser Paul Benson explores one of the trickiest decisions when it comes to building wealth: how much should you put towards your future, and how much should you enjoy today? Through real client conversations and a spending dilemma of his own, Paul challenges the idea that the financially smartest decision is always the best one. And why getting the balance wrong could leave you with regrets that money can't fix. Inside this episode: Why being disciplined with money can sometimes work against you The surprising advice Paul gave a young couple who were doing everything right financially What you might be giving up by postponing your biggest plans until retirement Why some of life's most valuable experiences are harder to put a price on How to think differently about purchases that don't make financial sense on paper Planning for retirement? The challenge is knowing how much you can comfortably spend today without compromising your financial security tomorrow. At Guidance Financial Services, we help you work through these decisions, so you can feel more confident enjoying your money now while staying on track for the retirement you want. Find out how we can help with your retirement planning.
October 13 · 29 min
Debt Recycling: Could You Use Your Mortgage to Build Wealth Faster?
You're earning good money, paying down your mortgage and doing all the right things. But are you missing an opportunity to build wealth along the way? And what if you didn't have to choose between paying off your home loan and growing your investments? In this episode, Nick Donato is joined by mortgage broker Aiden Goolman to explore debt recycling, a strategy that could help you make better use of your existing debt and potentially reduce your tax bill. They unpack how it works, who could benefit and the risks worth understanding before making a move. Inside this episode: Why paying off your mortgage as quickly as possible isn't your only option How you could start building an investment portfolio without increasing your total debt The potential tax advantages for higher-income earners The mortgage setup mistakes that could cost you valuable tax deductions How to decide whether debt recycling is worth considering for your circumstances You can find Aydin on Linkedin here FREE DEBT RECYCLING FACT SHEET Curious whether debt recycling could work for you? Download our free fact sheet covering the potential benefits, risks and key things to consider before getting started. Download the guide here. READY TO MAKE MORE OF YOUR MONEY? If you're in your 30s or 40s, earning a good income but unsure how to turn it into long-term wealth, our Wealth Builder service can help you make smarter decisions about your mortgage, investments and financial future. Explore Wealth Builder Visit our website here https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
October 11 · 10 min
What Happens If the Sharemarket Crashes Just Before You Retire? (And How to Manage This Sequencing Risk)
You've spent decades building your super and retirement is finally within reach. But what if the sharemarket crashes just as you're preparing to stop work? Could you still retire as planned? Would you need to scale back your lifestyle? And could a few bad years in the market affect how long your money lasts? In this episode, Paul Benson explores a retirement risk many people overlook. He reveals why two people with identical savings and investment returns could end up with vastly different outcomes, and what you can do to prepare. Inside this episode: Why the timing of a market downturn matters more as retirement approaches How two retirees with $1 million could end up with dramatically different balances When market losses can have lasting consequences for your retirement Four ways to manage investment risk as you approach retirement Why playing it too safe with your super could also cost you PLANNING TO RETIRE IN THE NEXT FEW YEARS? Knowing when you can retire is one thing. Knowing how much you can spend, how to protect your savings and whether your money will last is another. At Guidance Financial Services, we help you turn your super and investments into a personalised retirement plan, so you can retire with confidence and enjoy more of what you've worked for. Explore our retirement planning services. IN YOUR 30s OR 40s? MAKE YOUR MONEY WORK HARDER. The decisions you make today could have a big impact on when you can retire and the lifestyle you can afford. Our Wealth Builder service helps you make smarter decisions about your super, investments and mortgage, with a personalised plan to build wealth and create more financial freedom. Learn more about Wealth Builder and see how we can help you get ahead. Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
October 6 · 14 min
Will Your Money Last? 5 Things Your Retirement Plan Needs to Consider
You want to retire while you're young enough to enjoy it, with enough money to say yes to the trips, the experiences and more time with the people you love. But how do you feel confident spending your savings when you don't know how long they need to last? As retirement gets closer, it's easy to focus on a date and a target super balance. Whether those savings will support the life you want decades later can be much harder to judge. In this episode, Paul Benson draws five lessons from Australia's latest Intergenerational Report to explore what our changing future could mean for your retirement. From the decisions that feel safe to the expenses that seem a long way off, there's plenty worth thinking about before you leave full-time work. In this episode: Are you looking far enough ahead when deciding whether you can afford to retire? Could an investment approach that feels reassuring now create a different problem later? What might you want your money to make possible in your 80s and 90s? How could the way you leave work change your retirement options? What does Australia's future mean for the plan you're making today? WANT TO FEEL MORE CONFIDENT ABOUT YOUR RETIREMENT? When can you afford to stop working, how much could you comfortably spend, and will your money last? Guidance Financial Services can help you put the numbers around the retirement you want, so you can make decisions with greater confidence. Book Your Appointment Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
October 4 · 6 min
Too Many Financial Goals? How to Decide What Comes First
You'd love to work less. The house needs renovating. You want to help the kids, take that family holiday and still have enough to retire comfortably. Every goal has a good argument behind it. But when they're all competing for the same money, how do you choose without feeling you're giving up something important? In this episode, Paul shares a practical exercise he uses with clients to help them work out what comes first. The priorities that emerge can surprise even the people making the decisions. In this episode: Why having plenty of plans for your money can leave you struggling to make a move The surprising thing Paul finds when clients explore what matters most to them A practical exercise to help you choose between goals that all feel important How to find common ground when you and your partner have different priorities What needs to be clear before you can find out which goals are within reach WANT HELP TURNING YOUR PRIORITIES INTO A FINANCIAL PLAN? Work out what's possible and how to move towards the goals that matter most to you. Book your appointment here. ARE YOU IN YOUR 30s OR 40s WITH BIG PLANS COMPETING FOR YOUR MONEY? Wealth Builder helps you balance family priorities, life today and building wealth for the future. Explore Wealth Builder. Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
September 29 · 31 min
The Simple Investment Strategy That Beats 89% of Active Funds
Active fund managers have teams of analysts researching companies, watching markets and deciding exactly what their funds should buy and sell. If anyone should be able to beat the market, surely it is them. Yet over 15 years, 89% of active Australian share funds failed to do it. It is a result that challenges one of the most tempting ideas in investing: that more research, more activity and more expert decision-making should produce better returns. So why does a far simpler investment strategy keep coming out ahead? And what could that mean for the way you are building wealth? In this episode, Nick and Paul unpack why trying to beat the market can leave investors further behind, and why the latest results strengthen the case for the index-at-the-core approach we favour at Guidance Financial. They also look at another risk many investors miss. You could own hundreds of companies and still have far more of your wealth riding on the same industries than you realise. Inside this episode: Why so many professional fund managers struggle to beat the market The small group of shares that can have an outsized effect on returns What investors risk missing when they try to choose the winners themselves Why a portfolio can look diversified without being properly diversified What Australian investors may be missing by staying close to home Why international investing involves more than spreading money between countries Whether a simpler investment approach could give you a better chance of reaching your goals At Guidance, we use an index at the core approach. We help clients decide how their investments should be structured, where they should be held and how they fit with their income, super, debt, tax position and long-term goals. You can learn more about how we manage your money here. Are You in Your 30s or 40s and Ready to Make More of Your Money? If you're earning well but unsure whether you're investing enough, using super wisely or making the right moves, Wealth Builder can give you a clear plan for turning today's income into long-term wealth. Learn more here. Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
September 27 · 5 min
50% Return Once, or 8% Per Year for 10 Years - Which Would You Take?
Would you recognise the better investment if it were right in front of you? Imagine you have $100,000 to invest for ten years. You're offered two hypothetical outcomes: a 50% return upfront, with no growth after that, or 8% a year for the full ten years. Which would you choose? And how much money could your choice leave on the table? You want your investments to give you more freedom and security. But when you're deciding how to get there, the numbers that grab your attention can make the choice harder than it looks. In this Financial Autonomy Essentials episode, Paul puts those two options to the test and explores what the result means for the way you invest. If you've been wondering whether to stick with your approach or chase something more ambitious, this comparison gives you a reason to pause. Inside this episode: How your first instinct stacks up against the numbers What you could be overlooking when comparing investment returns Why the temptation to get ahead faster deserves a closer look Choose your answer, then press play. The difference could be bigger than you think. Want personalised investment advice?: Book your appointment here. In your 30s or 40s and wondering whether to invest, pay down your mortgage or boost your super? Wealth Builder helps you work out what to prioritise and gives you a financial plan. Learn more here. You can also find all our links here. General advice disclaimer
September 23 · 13 min
Are Rising Bond Yields and Higher Interest Rates Changing Where You Should Invest?
If you have been waiting for mortgage rates to fall, wondering whether property prices can keep climbing or questioning whether shares still offer enough reward for the risk, there is one market worth watching. And it is probably not the one you think. While most investors are focused on the sharemarket, sharp moves in the bond market are changing the price of money around the world. What happens next could flow through to your mortgage, your super, your investments and even what governments can afford to spend. For years, ultra-low interest rates made the investment choice feel relatively simple. If you wanted a decent return, you had to accept more risk. Now that assumption is being tested, and the investments that made sense when money was cheap may need to work much harder to earn their place. In this episode, Paul looks beyond the headlines to unpack the signal coming from the bond market and why it matters to anyone building or protecting wealth. Are today's higher rates a temporary interruption, or are we entering a very different investment era? And if the rules of the game are changing, what should investors be paying attention to now? Inside this episode: The overlooked market movement that could affect how far mortgage rates fall Why shares and property may now have a much higher bar to clear The global squeeze that could keep the cost of money elevated Why a painful market sell-off may also be creating new possibilities The question that could change how you think about risk, return and where your money belongs FOR PERSONALISED INVESTMENT ADVICE: Book an initial meeting with Guidance Financial Services. You can also find all our links here. General advice disclaimer
September 20 · 10 min
Early Inheritances: Should You Give Your Children Money Now?
You have worked hard to build financial security, and now you are watching your adult children struggle with house prices, mortgages and the cost of raising a family. You could help them. The harder question is whether you should. Giving your children money now could help them buy a home years sooner, relieve some of the pressure they are under and allow you to see them enjoy their inheritance while you are still here. But what if your help changes the decisions they make, creates an expectation you never intended or keeps them in a situation they would otherwise need to change? In this episode, Paul explores what can happen after parents decide to step in financially. Through real examples, he reveals why some gifts can transform an adult child's future while others produce consequences nobody saw coming. Inside this episode The question to ask before giving your children an early inheritance Why the timing of your help could make an enormous difference The point where financial support can begin working against its purpose What parents can overlook when they attach conditions to a gift How to help your children without putting your own financial security at risk If you are considering helping your adult children: Guidance Financial Services can help you understand what you can comfortably afford and explore the options available before money and family become unnecessarily complicated. Book your appointment here. You can also find all our links here. General advice disclaimer
September 15 · 37 min
Offset, Redraw, Fixed or Variable: Is Your Mortgage Set Up to Build Wealth?
A well-structured mortgage can help you pay less interest, keep more flexibility and put you in a stronger position for whatever you want to do next. That could mean upgrading your home, buying an investment property, freeing up more money to invest or putting your emergency fund to work. But with offset accounts, redraw facilities, fixed rates, variable rates and split loans all on the table, working out the best setup is rarely as simple as choosing the lowest rate. In this episode, Nick is joined by mortgage broker Aydin Gulmen to explain how to structure your home loan so you can reduce the interest you pay, keep your savings accessible and avoid limiting your future borrowing or investment plans. They compare offset and redraw facilities, fixed and variable rates, and the factors that determine how much a lender may allow you to borrow. You will also learn how your credit cards, deposit and choice of loan features can affect your borrowing power, repayments and overall cost. Inside this episode: The offset-versus-redraw decision that could affect your future investing and property plans Why offset and redraw can look almost identical now but produce very different consequences later The mortgage decision that could come back into play if your home becomes an investment property later The costly risk people often overlook when choosing the certainty of a fixed rate The everyday financial facility that may be reducing how much you can borrow Why your true borrowing capacity could be very different from the number you found online Are you in your 30s or 40s and ready to put yourself in a stronger financial position? Your mortgage is one part of the picture. Wealth Builder helps you work out how your home loan, investments, super and spare cash can work together to build the future you want. Find out more about Wealth Builder You can find Aydin on Linkedin here. Visit our website here https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
September 13 · 9 min
What Should You Do With Your Extra Income to Build Wealth?
You can earn good money, pay the bills comfortably and still wonder whether you're making the most of it. When work and family take up most of your time, it's easy for financial decisions to happen in the background. Extra money sits in the offset, super ticks along and investing stays on the list of things you'll get to eventually. Meanwhile, some of your best earning years are passing by. In this episode, Paul looks at how to turn a strong income into wealth that can give you more security and choice later. He covers the big decisions that need to work together, and why the right approach will depend on what you're trying to achieve and when you want to achieve it. Inside this episode: The first number you need before deciding where to invest How to work out what you can comfortably put towards building wealth Why two people earning the same amount may need very different plans Where super fits alongside your mortgage and other investments The part of your super you may have left on autopilot When borrowing to invest could enter the conversation How automation can keep your plan moving when life gets busy Why flexibility still matters once your strategy is up and running Your income may already give you the capacity to build the future you want. The question is whether you have a plan for putting it to work. Want a clear plan for turning your income into lasting wealth? Guidance Wealth Builder (formerly our Financial Autonomy program) helps professionals and families in their 30s and 40s work out how their cash flow, mortgage, super and investments should fit together. Learn more about our Wealth Builder program Visit our website here https://www.guidancefs.com.au/ and you can also find all our links here. General advice disclaimer
September 8 · 19 min
7 Things Investors Should Check Now Before the Capital Gains Tax Changes
If you own an investment property, shares, a business or other assets with a decent capital gain sitting in them, the changes coming to Capital Gains Tax from 1 July 2027 are worth paying attention to. Because once people hear the words tax change and deadline, the instinct is often to think they need to act before it is too late. Do you need to sell now? Bring your plan forward? Or is there something you need to do now while the old rules still apply? In this episode, Paul works through what the new CGT rules actually mean for investors and, more importantly, where they could change the decisions you make over the next few years. If you were already thinking about selling an investment, waiting until retirement, moving more money into super or simply leaving everything as it is, there are a few parts of these changes you will want to understand before making your next move. Inside this episode: The CGT change that sounds much more dramatic than it may actually be for gains you have already built up Why rushing to sell before 1 July 2027 could create a bigger problem than the tax change itself The retirement strategy that may not work quite the same way once the new rules begin Whether you should be thinking about getting property, business or other assets valued before the deadline The little-known change that could affect some assets that have been outside the CGT system for decades Why where you hold your investments could become a much bigger planning question The situations where doing nothing may still be the smartest move What is actually worth reviewing between now and July 2027, before you make a decision that is hard to undo The real challenge here is not understanding the tax rule, it's working out whether the rule changes what makes sense for you. A decision to sell, hold, contribute more to super or change how your investments are structured can affect far more than one tax bill. It can flow through to your retirement timing, cash flow, investment mix and the flexibility you have later. If you have built up significant investments and are wondering whether the 2027 CGT changes should alter your strategy, this is exactly the kind of decision we can help you work through. Our advisers can look at the different pieces together and help you understand your options before you make a major move. Book an initial meeting with Guidance Financial Services. You can also find all our links here. General advice disclaimer
September 6 · 10 min
Can You Afford to Take a Career Break Without Derailing Your Finances?
Could you afford to take six months off work? You might love the idea of stepping away from work for a while. Maybe you want to travel, study, Spend more time with family, or simply getting off the treadmill long enough to work out what you actually want next. Then the financial anxiety kicks in. What happens to the mortgage? How much cash would you need? Would you have to sell investments? What if it takes longer than expected to find another job? And after spending years building your career, super and investments, could taking time out now set you back later? That's where a career break stops being a daydream and becomes a financial planning question. In this episode, Paul breaks down what you need to think through before walking away from your regular income, including some of the costs that are very easy to underestimate. He also looks at the bigger trade-off: whether taking some freedom now could change what becomes possible later. Because building wealth shouldn't only be about reaching a number decades from now. For many people, the whole point is having enough financial flexibility to make choices before retirement too. Inside this episode: How to work out whether the career break you're imagining is actually financially realistic The sabbatical costs that can catch you out even when you think you've saved enough Where the money could come from when your salary stops A timing decision that could affect the financial outcome of your break Why you may need considerably more money than simply covering the months you're away What taking time out could mean for the wealth and retirement plans you've already built The bigger question: do you really want to save all your freedom for retirement? Want to build wealth while creating more options along the way?Our Wealth Builder program is designed for people in their 30s and 40s who want a clear strategy across investing, debt, super and the lifestyle they actually want their money to support. FIND OUT MORE ABOUT WEALTH BUILDER AND BOOK YOUR APPOINTMENT You can also find all our links here. General advice disclaimer
September 1 · 18 min
Private Equity: What is it, can It Help You Build Wealth... and do you already invest in it without realising?
Private equity used to sound like something reserved for investment bankers and the ultra-wealthy, but chances are, you may already be invested in it without even knowing. So what actually is private equity, why are large investors willing to lock money away in private businesses for years, and what are they hoping to get in return? In this episode, Nick is joined by former investment banker Stephen Zhang to break down the world of private equity and private credit. They look at what makes these investments different from buying ordinary shares, why super funds use them, and the trade-off investors make when they give up liquidity in pursuit of diversification and potentially higher returns. Inside this episode: Why private equity investors can make money very differently from someone buying shares on the ASX The reason investors may accept less access to their money in exchange for greater return potential Private equity vs private credit and why the difference matters How large investors use private assets to diversify beyond traditional markets Why you may already have private equity exposure sitting inside your super without realising it What higher potential returns can mean for the level of risk you're taking
August 30 · 6 min
Mortgage, Investing or Super: What Should You Focus on in Your 30s, 40s & 50s?
Do you keep smashing the mortgage, invest more, or start putting more into super? Even if something was right for you 10 years ago, it might not be right today. When it comes to building wealth, your priorities need to change as your life does. What makes perfect sense in your 30s can start holding you back in your 40s. And by your 50s, the bigger question may no longer be how much you can accumulate, but whether everything you've built is actually getting you closer to the life you want. In this episode, Paul breaks down how your financial focus can change through each stage of life, and where the biggest shifts tend to happen. It's less about hitting arbitrary milestones by a certain birthday and more about knowing when it may be time to change tack. Inside this episode: When paying down the mortgage should be front and centre, and when it may be time to widen the strategy Why your 40s can be such an important window for turning higher income and home equity into future options The point where investing more seriously can start to matter Why working out what you want your 50s and 60s to look like can completely change what you do with money today When super may deserve more attention, including the opportunities that can open up later in your working life Why the financial goal eventually shifts from building the biggest pile possible to actually using it If you've ever wondered whether you're focusing on the right thing for your age, this episode will help you work out what deserves your attention now, and what may need to change next. Want to Know What You Should Focus on Next? Mortgage, investing, super, cash flow. The hard part isn't knowing they all matter. It's knowing where your next dollar will make the biggest difference. Wealth Builder is our 12-month financial advice program for people in their 30s and 40s. We look at how your debt, investments, super and cash flow are working together and build a personalised strategy around where you are now and where you want to get to. FIND OUT MORE ABOUT WEALTH BUILDER AND BOOK YOUR APPOINTMENT You can also find all our links here. General advice disclaimer
August 25 · 14 min
Are Investment Bonds About to Become a More Tax-Effective Way to Build Wealth?
What if an investment structure that has been easy to overlook for years is suddenly about to become much more attractive? The upcoming changes to the way investments are taxed could shift the maths for anyone building wealth outside super. So, could investment bonds now help you keep more of your returns compounding, reduce tax along the way and offer benefits that personal investing or a family trust may not? In this episode, Paul looks at why investment bonds deserve another look, where they could fit, and the important rules that can make or break their effectiveness. Inside this episode: Why investment bonds may suddenly deserve consideration for your wealth strategy The tax advantage that could leave more of your returns working for you Could an investment bond now stack up better than a family trust? The 10-year rule that sounds far better than it actually is How investment bonds could help you pass wealth to children or grandchildren more strategically The mistake that could make an investment bond leave you worse off WANT HELP WITH STRUCTURING YOUR INVESTMENTS TO MAXIMISE YOUR WEALTH Guidance Financial Services, we can help you work out the most effective way to hold and build your wealth, based on your goals, tax position and bigger financial picture. Book your appointment with us here. WANT TO STAY ACROSS WHAT'S MOVING THE MARKETS?: Subscribe to GainingCHOICE, our weekly email unpacking the key headlines and what to pay attention to. GOT A FINANCE QUESTION FOR PAUL?: Send it to paul@financialautonomy.com.au, and it could be featured in his Ask an Expert column each Sunday in The Age and Sydney Morning Herald. You can also find all our links here. General advice disclaimer

Showing 1–20 of 27 episodes