Welcome to Conversations on Wealth — a podcast series exploring financial complexities, opportunities and strategies for people looking to make more informed decisions about their financial future. Brought to you by ROPAN Financial Services, each episode draws on years of experience helping people at different stages of life navigate their finances with greater clarity and confidence.

In this episode, host John Calabro welcomes two new voices to Conversations on Wealth: Tim Rasmussen and Wade McGurr.

Following the coming together of ROPAN and Results Financial Services, John gets to know Tim and Wade, exploring their individual journeys into financial planning, their regional backgrounds and the experience they bring to the wider ROPAN team.

They discuss what led Results Financial Services to join forces with ROPAN, including the opportunity to combine resources, technology, knowledge and expertise while creating a stronger platform for both clients and staff. Finding a like-minded business was an important part of ensuring continuity for existing clients while creating new opportunities for the team to grow.

The conversation also explores some of the specialist experience Tim and Wade bring to ROPAN. Tim discusses his interest in self-managed super funds and helping clients understand the opportunities and complexities they can present. Wade shares his extensive experience working with people approaching or entering retirement, where education, planning and having the right strategies in place can help make the transition more manageable.

Throughout the episode, there is a common theme of bringing together experience, resources and relationships to create better support for clients — while maintaining the personal approach that comes with working within regional communities.

The world of financial advice can be difficult to navigate, with plenty of opinions and competing information. Conversations on Wealth aims to cut through some of that noise with open, experienced discussion about the financial decisions that matter.

Tune into future episodes to continue the conversation and build your understanding of the choices that can shape your and your family’s financial wellbeing.

If you’d like to discuss any of the topics covered in this episode, contact the ROPAN Financial Services team via ropan.com.au.

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.

Welcome to Conversations on Wealth — a podcast series from ROPAN Financial Services exploring financial complexities, opportunities and strategies to help people make more informed decisions about their financial future.

In this episode, host John Calabro is joined by ROPAN partners Nick and Scott to discuss what investors should be considering in light of recent Budget changes, evolving financial rules and continued uncertainty across investment markets.

The conversation looks at some of the key changes affecting investors, including capital gains tax, grandfathering of existing arrangements and family trust structures. Nick and Scott discuss why it is important to understand how these changes may apply to your individual circumstances before making any significant financial decisions.

They also explore the value of reviewing existing financial strategies rather than reacting to headlines or short-term market movements. With legislation and market conditions continuing to evolve, maintaining a long-term perspective and making considered adjustments where appropriate can be important.

The episode also touches on market volatility and defensive investment strategies, including cash, term deposits, bonds and income funds, and the role these options may play within a broader investment portfolio.

If you’d like to discuss any of the topics covered in this episode, contact the ROPAN Financial Services team via ropan.com.au.

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.

Welcome to ‘Conversations on Wealth’ — a podcast series that explores financial complexities and modern strategies for the discerning investor. Brought to you by ROPAN Financial Services founders and advisors Jason Panozzo-Tile and Rodney Gilham, who share their cumulative years of experience helping people of all ages as they seek financial independence.

In this episode of Conversations on Wealth, we once again sit down with Rodney and Nick. We discuss the importance of saving and investing early, highlighting how even small savings can grow over time, and the benefits of investment bonds for parents or grandparents planning for future generations. We also stressed the role parents play in teaching financial discipline, helping their kids balance spending with saving for bigger goals.

We cover common financial mistakes, like overspending and credit card debt, and advise focusing on long-term investments like property or stocks. For those in their 30s and 40s, we discussed planning for children's futures through regular savings. Wrapping up, we touch on estate planning and the value of personalized financial advice.

The land of financial advice, with lots of shamans and opinions can be hard to navigate. For some trustworthy, open, experience dialogue and debate, tune into future episodes of ‘Conversations on Wealth’ with host John, and advisors Rodney and Jason to educate yourself and make some informed decisions for your and your families financial wellbeing. Don’t forget also, if you’d like to discuss any of these topics with further, feel free to contact Rodney or Jason direct through their website, http://ropan.com.au

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.

Welcome to ‘Conversations on Wealth’ — a podcast series that explores financial complexities and modern strategies for the discerning investor. Brought to you by ROPAN Financial Services founders and advisors Jason Panozzo-Tile and Rodney Gilham, who share their cumulative years of experience helping people of all ages as they seek financial independence.

In this podcast, we welcome ROPAN advisor Nick Cullis as fill-in for Jason – who is off travelling on some well deserved rest – sitting alongside ROPAN co-founder Rodney Gilham.

Rodney discusses how busy he is as a financial planner as the financial year comes to a close. As we approach June 30, it becomes a particularly hectic time for the advisors at ROPAN — but why?

We’ll explore the various tasks that ensure the best outcomes for clients at this time of year, such as contributions to super, minimizing pension penalties, managing complexities around self-managed super funds, and planning complicated property transactions that need to be executed in a specific manner.

We discuss how planners work effectively with accountants and how advancements in technology have reduced the time spent on compliance, allowing more time to provide better advice.

We ask: Is the market more sophisticated than it used to be? Do strategies now require a deeper level of planning and advice because of this?

As EOFY fast approaches, we pose the question: Do you have all the advice you need? Rodney’s passion shines through in this episode, highlighting the complexities of proper financial planning. What better time to book a consultation, explore your position, and get the right advice

The land of financial advice, with lots of shamans and opinions can be hard to navigate. For some trustworthy, open, experience dialogue and debate, tune into future episodes of ‘Conversations on Wealth’ with host John, and advisors Rodney and Jason to educate yourself and make some informed decisions for your and your families financial wellbeing. Don’t forget also, if you’d like to discuss any of these topics with further, feel free to contact Rodney or Jason direct through their website, http://ropan.com.au

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.

Welcome to ‘Conversations on Wealth’ — a podcast series that explores financial complexities and modern strategies for the discerning investor. Brought to you by ROPAN Financial Services founders and advisors Jason Panozzo-Tile and Rodney Gilham, who share their cumulative years of experience helping people of all ages as they seek financial independence.

In this first episode of 2024, Jason, Rodney, and host John discusss the various aspects of wealth management and investment strategies. We touch on market trends, risk assessment, long-term planning, and the generational infuence on investment behaviour.

Highlighting the recent performance of the investment market, including equities and property, we discuss the potential impact of interest rate changes. The conversation then diverges into alternative investments such as cash and fixed interest, and the interest in maintaining a diversified investment portfolio.

Closing out, we emphasised the need for an ongoing review and adjustment of your investment strategy, based on your individual risk profile and long-term goals while also exploring the role of community engagement and philanthropy in wealth management.

Watch the Thomas Petterfy interview here

The Psychology of Money, by Morgan Housel on Amazon

The land of financial advice, with lots of shamans and opinions can be hard to navigate. For some trustworthy, open, experience dialogue and debate, tune into future episodes of ‘Conversations on Wealth’ with host John, and advisors Rodney and Jason to educate yourself and make some informed decisions for your and your families financial wellbeing. Don’t forget also, if you’d like to discuss any of these topics with further, feel free to contact Rodney or Jason direct through their website, http://ropan.com.au

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.

Welcome to ‘Conversations on Wealth’ — a podcast series that explores financial complexities and modern strategies for the discerning investor. Brought to you by ROPAN Financial Services founders and advisors Jason Panozzo-Tile and Rodney Gilham, who share their cumulative years of experience helping people of all ages as they seek financial independence.

In this episode, we welcome special guest David Ashton Lewis, a distinguished figure with a rich background, including serving in the Supreme Courts of Fiji and Papua New Guinea. David is also an accomplished radio presenter and an adjunct professor of law.

Having been a key advisor to ROPAN for over two decades, David brings a wealth of experience from his esteemed roles in the Supreme Courts. Reflecting on the evolving financial advisory landscape, he emphasises the shift from mere insurance sales to professional advising.

We then delve into David's diverse roles, including radio presenting and law professorship. Touching on the essence of responsible wealth growth, and advocating for a fee-based model over commissions.

David concludes the episode with an optimistic outlook on ROPAN Financial Services' future, underscoring the firm's enduring success built upon mutual trust and support between Rodney and Jason.

The land of financial advice, with lots of shamans and opinions can be hard to navigate. For some trustworthy, open, experience dialogue and debate, tune into future episodes of ‘Conversations on Wealth’ with host John, and advisors Rodney and Jason to educate yourself and make some informed decisions for your and your families financial wellbeing. Don’t forget also, if you’d like to discuss any of these topics with further, feel free to contact Rodney or Jason direct through their website, http://ropan.com.au

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.

Welcome to ‘Conversations on Wealth’ — a podcast series that explores financial complexities and modern strategies for the discerning investor. Brought to you by ROPAN Financial Services founders and advisors Jason Panozzo-Tile and Rodney Gilham, who share their cumulative years of experience helping people of all ages as they seek financial independence.

In this episode, we catch Jason and Rodney for another chat on the current state of the local finance markets, discussing all manners of wealth – not just financial, but also lifestyle and mental wellbeing.

Fresh and relaxed after a holiday overseas, Jason reminds us of the importance of having lifestyle goals, as well as financial goals, and the delicate balance between hard work, results, and enjoying your life along the way.

We explore the current state of the Australian financial landscape, including the state of interest rates, mortgages and property. What do the current rates of inflation mean for the economy? How is it effecting people’s property outlook, whether buying, selling, or downscaling for retirement?

As usual, Rodney and Jason share tips, insights and stories that reflect the current state of play, providing the listeners a few things to consider for themselves.

The land of financial advice, with lots of shamans and opinions can be hard to navigate. For some trustworthy, open, experience dialogue and debate, tune into future episodes of ‘Conversations on Wealth’ with host John, and advisors Rodney and Jason to educate yourself and make some informed decisions for your and your families financial wellbeing. Don’t forget also, if you’d like to discuss any of these topics with further, feel free to contact Rodney or Jason direct through their website, www.ropan.com.au

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.

Welcome to ‘Conversations on Wealth’ — a podcast series that explores financial complexities and modern strategies for the discerning investor. Brought to you by ROPAN Financial Services founders and advisors Jason Panozzo-Tile and Rodney Gilham, who share their cumulative years of experience helping people of all ages as they seek financial independence.

In this podcast we’re covering off some of the financial planning fundamentals and advice for those who may never have worked with a financial planner prior. So, why do you need a financial planner?We start the discussion by exploring with some basic strategies pertaining to end of financial year, given that this episode was recorded during the month of May.

We also discuss potential tax planning strategies such as the instant asset write offs for vehicles or other major asset purchases, the benefits of topping up superannuation, and less well known initiatives like the ‘bring forward rule’ and when and where someone might consider employing a corporate beneficiary.

Rodney and Jason explore some of the pros and cons of the current market, things to consider, and the knock on effects of situations that emerge from assets being passed along as inheritances from deceased estates.Jason touches on the benefits of compound interest garnered from years and years of sticking to the plan, reminding us that in the world of financial advice, strategy is king. If weighing up options, get a plan that is tailored to your needs, specifically because there is no true one size fits all approach to wealth.

The land of financial advice, with lots of shamans and opinions can be hard to navigate. For some trustworthy, open, experience dialogue and debate, tune into future episodes of ‘Conversations on Wealth’ with host John, and advisors Rodney and Jason to educate yourself and make some informed decisions for your and your families financial wellbeing. Don’t forget also, if you’d like to discuss any of these topics with further, feel free to contact Rodney or Jason direct through their website, http://ropan.com.au

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.

Welcome to ‘Conversations on Wealth’ — a podcast series that explores financial complexities and modern strategies for the discerning investor. Brought to you by ROPAN Financial Services founders and advisors Jason Panozzo-Tile and Rodney Gilham, who share their cumulative years of experience helping people of all ages as they seek financial independence.

In our first podcast for 2023, we explore the patterns and trends that Jason and Rodney are seeing in the financial markets so far this year. Off the back of our previous podcast featuring local real estate agent Simon Burns, we start by exploring property investment markets, interest rates, and the current state of inflation in general. With commodities like lettuce, potatoes, and even Italian prosciutto flying through the roof with pricing on a seemingly perpetual rollercoaster ride, day to day living expenses are feeling the squeeze. What do these spikes in pricing mean for people’s discretionary spend? Is there a surplus of cash, or a reallocation of existing assets? We explore the increase of people’s entrepreneurial pursuits, side hustles, and evaluation of their day to day family budgeting. As the RBA continues to increase rates to put downward pressure on inflation, Jason reminds us that despite this doom and gloom, these things always go in cycles and that the astute investors typically have a plan with a long term view and adjust accordingly… and by long term plan, we mean far across the horizon, including considering succession plans and effects for the family. Ultimately it’s a balance of risk—and advice is worth gathering from people who have your best interests at heart.

The land of financial advice, with lots of shamans and opinions can be hard to navigate. For some trustworthy, open, experience dialogue and debate, tune into future episodes of ‘Conversations on Wealth’ with host John, and advisors Rodney and Jason to educate yourself and make some informed decisions for your and your families financial wellbeing. Don’t forget also, if you’d like to discuss any of these topics further, feel free to contact Rodney or Jason direct through their website, ropan.com.au

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.

Welcome to ‘Conversations on Wealth’ — a podcast series that explores financial complexities and modern strategies for the discerning investor. Brought to you by ROPAN Financial Services founders and advisors Jason Panozzo-Tile and Rodney Gilham, who share their cumulative years of experience helping people of all ages as they seek financial independence.

In this episode, Jason takes a back seat as we invite a special guest to provide an alternative insight. Local top-selling Real Estate agent Simon Burns from Latrobe First National joins Rodney and host John to discuss property as a key piece of the investment portfolio.

With Simon’s experienced input, we explore a wide range of property related topics with a particular lens on Latrobe Valley, where the ROPAN Financial Services are located.

Topics covered include the current market conditions, reflecting on the residual impacts of COVID-19 over the last few years, how finding value in the current market, commercial investment versus residential, forecasts for the coming period, and much about the state of the local property industry.

The land of financial advice, with lots of shamans and opinions can be hard to navigate. For some trustworthy, open, experience dialogue and debate, tune into future episodes of ‘Conversations on Wealth’ with host John, and advisors Rodney and Jason to educate yourself and make some informed decisions for your and your families financial wellbeing. Don’t forget also, if you’d like to discuss any of these topics with further, feel free to contact Rodney or Jason direct through their website, http://ropan.com.au

Disclaimer: Discussions within this podcast are of a general nature and do not constitute personal financial and investment advice. It is of critical importance to seek your own independent professional advice before making any investment decisions appropriate to your personal financial needs, situation and objectives.