Fine Answers

In this enlightening episode of "Fine Answers," we delve into the intricate world of employment law with Jasmine O'Brien and Katherine Dennis, principal lawyers from Sladen Legal's employment law team.

With their extensive experience in the field, Jasmine and Katherine bring to the table a wealth of knowledge, spanning across various industries such as retail, transportation, manufacturing, and construction.

Join us as we explore their journeys from aspiring journalists to leading legal experts, shedding light on the dynamic and often challenging landscape of employment law. We discuss the nuances of workplace relations, from business restructuring and performance management to litigation and dispute resolution. Jasmine and Katherine share fascinating real-world scenarios, offering valuable insights into how employment law intersects with everyday workplace situations.

The conversation also navigates through the impact of social media on employment and brand reputation, the importance of setting clear expectations from the start of an employment relationship, and how to balance legal requirements with practical business needs.

This episode is not just for legal enthusiasts but for anyone interested in understanding the complexities of employment law and its application in today's ever-evolving business world. Whether you're a small business owner, HR professional, or just curious about the legalities of the workplace, Jasmine and Katherine's expertise is sure to enlighten and inform.

Don't miss this opportunity to gain from their decade-long professional relationship and deep understanding of employment law and for more engaging discussions, be sure to check out Jasmine and Katherine's Instagram series "Two Lawyers Talk."

Instagram:

https://www.instagram.com/2lawyerstalk

Website:

https://sladen.com.au/employment-law

Linkendin:

https://www.linkedin.com/in/katherine-dennis-647b05a8/

https://www.linkedin.com/in/jasmine-o-brien-928a2351/

If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Stefan Manche is a Principal Lawyer and Head of Wills, Estates and Succession Planning team at Coulter Legal.

Jay explores Stefan's Maltese origins and the work ethic and values instilled in him by his parents that allowed him to develop his legal career alongside a growing family.

Having joined Coulter Legal in May 2020, Stefan brings with him significant expertise in wills, succession planning and estate disputes, but also an enthusiasm and purpose to change the face of estate planning advice and service in Geelong, Melbourne, and the Surf Coast.

Jay and Stefan discuss the vital intersection between Financial and Estate Planning and the value this brings to clients who demand a modern, wholistic and team-oriented approach to advice.

https://www.coulterlegal.com.au/wills-estates-planning/essentials/

https://www.instagram.com/coulter_legal/

If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Cottage by the Sea is an Australian children's charity, that aims to give more children more opportunities to have fun, be inspired and broaden their horizons.

Founded in 1890 in Queenscliff, Victoria, Cottage by the Sea provides tailored programs within a holiday environment. Over a history spanning more than 130 years, the purpose has remained unchanged. In this time Cottage by the Sea has supported thousands of children toward a better future.

CEO, Adam Wake brings his diverse background in Law, Business & Outdoor Education together to lead Cottage by the Sea through an exciting phase of redevelopment and growth.

Supported by an amazing local, philanthropic and business community, Adam discusses the opportunities that Cottage by the Sea has to reach more children by way of a recently undertaken research program with Deakin University Geelong.

Anyone interesting in donating, volunteering, or exploring corporate relationships with Cottage can check out their website below.

Links:

https://www.cottagebythesea.com.au/

If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Aimee BRIGITTE Lucas is Practice Manager at Burke Britton Financial Partners.

Having joined the practice as receptionist 12 years ago knowing little to nothing about financial planning and advice, Aimee has evolved into one of the industries most talented and admired business administrators.

Aimee discusses her passion for people and process, inherited at an early age from her parents' work ethic and growing up in Portland Victoria.

Jay explores Aimee's personal growth and how it has aligned unsurprisingly with Burke Britton's growth and success.

They discuss the evolution of Financial Planning and its accessibility to more Australians and offer a call to action for anyone considering seeking advice.

Check out Aimee on the Engine Room Podcast with Andrew Rocks:

https://open.spotify.com/episode/1vu6qemVqL4pleBW25h4qP?si=35780e83c5444733

If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

We asked Instagram what topics you most wanted to hear us discuss in a rapid fire "Fine Answers and Question" episode. Here's what you told us:

1. Investing in shares and the share market

2. Insurances I should have in place

3. Contributing to super

4. Centrelink payments

Jay and Delta riff on why these areas of advice remain topical whilst some we anticipated didn't make the list.

If you have a topic you want us to discuss in future episodes, DM us on Twitter, Instagram & Facebook @BurkeBrittonFP or drop us a line at [email protected].

If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Australians with an active relationship with a financial planner are not only financially better off than unadvised Australians – they also have a better quality of life, according to new research from the Financial Planning Association of Australia (October 4, 2022).

Jay and Delta discuss the unintended consequences of Royal Commission into Misconduct in the Banking, Superannuation and Financial Services industry which has left approx. 100,000 financial advice clients without advice or orphaned by their adviser, according to analysis released by Adviser Ratings (April 26, 2022).

In the last 2 years the big four banks NAB, ANZ, CBA and Westpac have shut down their financial planning arms and orphaned many clients with MLC Master Key/Wrap, OnePath, Colonial First State and BT platforms thus leaving individuals to seek out new advice or be acquired by a new adviser.

Making the decision to seek or reengage advice can be daunting.

Delta and Jay outline the steps; from sourcing a trusted adviser, explaining what to expect from your initial call, demystifying your first meeting and financial health check, to receiving formal advice and ongoing service.

Articles Discussed:

https://faaa.au/news/australians-who-engage-a-financial-planner-have-a-better-quality-of-life-fpa-launches-inaugural-value-of-advice-index/

https://financialnewswire.com.au/financial-planning/advice-orphan-clients-sad-indictment/

https://financialnewswire.com.au/financial-planning/10000-advice-clients-orphaned-limbo/

If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Teresa Frangos is one of Burke Britton's longest serving team members having recently celebrated 10 years. Loved and admired by the team and clients alike, Teresa has delivered an unrivalled level and care and hospitality to everyone she meets and greets as the face and voice of Burke Britton.

In this intimate and emotional chat with Director Jay Burke, Teresa shares her humble Catholic Italian upbringing and the strength and resilience of character she developed from her mother who suffered the loss of her first husband in a mine collapse in Tasmania.

Teresa's shares the highs and lows of being an intimate part of clients lives from births, holidays, retirement, and deaths but above all her gratitude for being part of the Burke Britton family.

It was an honour to speak with Teresa and to share our love and gratitude for her as she plans the next phase of her life and a transition into retirement.

Thank you for 10 amazing years Teresa!

From the Team and Clients at BBFP xxoo

If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

"Not all storms come to disrupt. Some come to clear our path" – Sachin Tendulkar

Jay is joined today by Jason Nelson, a client, friend, and inspiration to anyone that has had the pleasure of his friendship and his enthusiasm for life.

Jay and Jason reminisce on family, friends and business connections over the last 20 years and discuss Jason's 2022 diagnosis and ongoing battle with Acute Myeloid Leukemia.

Jason shares his love and passion for his family and friends, the value of financial advice and personal insurance, the lifesaving services of Red Cross Life Blood, Peter Mac Cancer Centre & The Leukemia Foundation along with his new found passion for public speaking and inspiring others.

It was an honour to spend this time with Jason and we would urge everyone to get involved in supporting those organisations that have supported Jason and his family:

· Book a blood donation at www.lifeblood.com.au, call 13 14 95 or on the DonateBlood app.

· Donate to the Peter MacCallum Cancer Foundation at https://foundation.petermac.org/ways-to-donate

· Support the leukemia foundation at https://www.leukaemia.org.au/make-a-donation/donate/

If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

In this episode Jay is joined by Selena Parfett and Will McKenzie from Achieve Home Loans, to explore the vital topic of pre-approvals in the context of property purchases. The episode emphasizes why obtaining a pre-approval is a crucial step in the home buying process.

A pre-approval, as explained, is a conditional approval from a lender that outlines the amount you can borrow to purchase a property. While it's not a guarantee of securing a loan, it provides a critical indicator of your potential borrowing capacity, subject to specific conditions.

The episode underscores the importance of pre-approvals by illustrating potential pitfalls without one. Imagine finding your dream home, bidding at an auction without a pre-approval, and then facing difficulties securing finance. This scenario can lead to losing your deposit and potential legal action from the seller.

The advantages of having a pre-approval are also highlighted. It signals to sellers and real estate agents that you are a serious buyer with the financial means to complete the purchase, giving you a competitive edge in a crowded market. Moreover, some lenders lock in your borrowing capacity for a specified time frame, regardless of interest rate fluctuations, offering financial security.

The episode provides advice on what to do if you've already purchased a property without a pre-approval and struggle to secure financing, emphasizing the importance of seeking professional guidance and exploring alternative financing options.

Ultimately, the episode stresses that property is a significant financial commitment, and obtaining a pre-approval is essential. It encourages prospective buyers to consult with finance specialists before embarking on their property search, ensuring a smoother and less stressful home buying experience.Top of Form

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If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

In today's episode Jay and Ben introduce our listeners to Simone Shannon & Andrew Clyne: Founders and Directors of Ascend Accounting & Advisory.

With 35 years combined experience in various industries, including retail, trade, manufacturing, property development, medical, industry and public practice. Simone and Andrew share their unique and contemporary perspective on providing accounting and advisory services.

Alongside their love for business, we explore Andrew's love of live music from the 90's and Simone's early foray into dance with a scholarship to Sweden.

Together they discuss the evolution of Ascend, the impact of technology and fixed fees on advice, the overlap between accounting and financial planning, and the benefits of collaboration in achieving best outcomes for clients.

It's clear Ascend are not 'just another accountancy firm' – They are real people, with families, businesses, musical talents, and dreams, who are driven to help clients support and achieve theirs!

https://www.ascendaa.com.au/

If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676

You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP

PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.

Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.