Got questions about your finances? We've got answers!

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari wrap up the year by answering the financial questions you're most curious about.

From knowing when you’re ready to see a Financial Adviser to what investments you should focus on, they give clarity on some of the challenges and opportunities many Australians often face.

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Reflection and planning are key to growth, helping you improve and progress each year.

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn reflect on the financial lessons, achievements, and milestones of 2024 while providing actionable strategies to set yourself up for a successful 2025.

They explore the importance of reviewing the past year and share tips to improve all areas of your life in the year ahead, helping you work toward living a more fulfilling life on your terms.

Wishing you a happy holiday season and a Merry Christmas to those who celebrate!

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A long-term client of ours referred over 30 people to us…but none of them reached out. 

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) delve into the stereotypes surrounding the term ‘financial adviser’ and how these perceptions lead to hesitation in seeking professional advice. 

John and JK explore the innovative impact Thriving Wealth has in the industry, leading a more holistic approach to financial planning beyond the numbers.

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Financial success is about much more than the numbers in your bank account—it’s deeply tied to your money mindset, behavioural patterns, and emotional trauma.

As well as your ability to not just earn money, but use it to live a fulfilling life.

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Global Business Psychologist, Simi Rayat and Gestalt Psychotherapist, Mark Colletti to explore the deep connection between mindset, behaviour, emotions and financial decisions. 

Together, they discuss how our beliefs and trauma shape our relationship with money, driving behaviours like seeking comfort in the familiar, the fear of change, and the downfall of individualism.

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The recent US election has seen heightened investment markets, fueling fear, FOMO, and a rise in speculative investment trends. 

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn delve into how these emotions are influencing investor behaviour, leading many to chase quick returns through speculative investments.

John and Mason explore the risks of making decisions influenced by confirmation bias and the pitfalls of prioritising short-term gains over a long-term strategy and risk management.

South Sea Company further reading

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The rising cost of living has had a significant impact on household budgets, with cashflow getting eaten up quicker than usual. 

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari explore how to master your cash flow, the oxygen of your finances.

They discuss how your habits and mindset affect your money, ways to overcome financial stagnancy, and strategies for building flexible, sustainable cash flow systems.

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It’s the most wonderful time of the year, but also one of the most expensive. With sales, gift-giving, and societal expectations, Christmas often brings financial strain for many families.

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder dive into the psychology behind Christmas spending.

They explore the true meaning of the holiday session, as well as the importance of awareness, communication and delayed gratification to create a joyful, stress-free end of year.

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Investment bonds are managed fund investments provided by a life insurance company, but Australians are now viewing them as an alternative to superannuation? 

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn break down investment bonds, exploring their benefits and when they might be a smart alternative or addition to superannuation. 

Join John and Mason as they address common concerns around super, explore the tax benefits of investment bonds, and dive into legacy planning for both options. 

As well as deep-diving into how combining these two strategies can be a powerful tool in your financial plan.

For further reading on Investment Bonds - Wealth Building With Investment Bonds

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The age-old Australian dream of owning a home versus the new emerging strategy of Rentvesting - What’s the right choice for you?

Rentvesting is a strategy that allows you to generate wealth through an investment property while renting a home for lifestyle considerations. 

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari discuss the pros, cons, and essential considerations for each approach.

John and Anthony delve into property as a tool for leverage, risk factors to be aware of, and their personal property journeys.

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There are many misconceptions surrounding superannuation, leading people to either misuse it or overlook it altogether in their finances.

In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and James Wrigley delve into the world of superannuation and non-super strategies and the importance of finding the right balance between the two to create a financially free and fulfilled future. 

They explore the factors to consider when guiding your approach, the risks of underestimating or overestimating how much you’ll need for retirement, and the role of tax structure in avoiding paying more tax than you need to. 

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