The $3.5 Trillion Great Australian Wealth Transfer has started!

• The aging of Australia is only getting started with our 85+ cohort doubling by 2035.

• Baby boomers make up 25% of the population, but own more than half of Australia's national wealth (53%).

• Over the next two decades, baby boomers are set to bequeath around $3.5 trillion in assets.

• This is the most significant intergenerational wealth transfer in Australian history.

• Have you thought about your part in this?

In today's episode Jay and Ben share their thoughts from the week including proposed super tax changes, stats from Demographer Simon Kuestenmacher on the Great Australian Wealth transfer and how to plan for the Great Australian Road Trip!

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.

Tik Tok "Finfluencers" and Instagram "Financial Guru's" have captured a growing number of Australians that have been priced out of financial advice due to the costly and complicated nature of the current financial advice regime putting them at significant risk of unregulated and irresponsible advice.

Financial Advice has NEVER been a "One Size Fits All" approach. It requires the development of understanding, relationships, and trust to ascertain whether advice is required in the first place and what type of advice will add value.

Having just returned from last week Self-Managed Super Fund Association (SMSFA) National Conference where the governments Quality of Advice review was discussed and debated at length, this conversation between Jay and Ben (recorded in August 2021) is more relevant than ever before!

In this discussion Jay and Ben discuss those individuals where advice may not be suitable, the type of preparation you can do to get the most value when seeking advice, to those requiring complex advice around Self Managed Super Funds.

They discuss the spectrum of advice, the value of advice and the importance of personal reasonability, education, and client involvement in the entire process.

Articles Discussed:

https://www.moneymanagement.com.au/news/financial-planning/wealth-coaches-and-finfluencers-next-bubble-burst

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.

Should Australians be able to dip into their super to buy a house? This Week in Fine Answers Ben and Jay discuss that question.

With cost of living and inflation pressures coming thick and fast, media and government murmurs of proposed changes to super this week included allowing early access for home buyers, extending hardship criteria, and potentially increasing tax on super accounts to fund government spending.

Is increased access to super a good idea under current cost of living conditions or do changes to erode confidence in using super to invest for retirement?

What do you think? Let us know in the comments below.

Link to Q&A Clip from discussion:

https://twitter.com/qanda/status/1627622160385843200?s=42&t=yeAuXAPy7ZHeSuj4WeRH9g

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.

When life's good, we are healthy and income is plentiful we struggle to imagine it being any other way.

The reality is that life is fleeting, health is temporary and our ability to earn an income is dependant on us being healthy and alive!

Most people are terrible at assessing future risk and tend towards applying todays reality to future problems, severely underestimating the financial and lifestyle impact of illness, disability or death on a family or business.

Being under or uninsured is not a problem, until it is, then its catastrophic!

In todays episode of Talking Fine Answers Ben and Jay discuss the confronting and harsh financial reality of death, disability & Illness.

Importantly they discuss how to put a layer of protection around your finances, lifestyle, dependants and your business, ensuring that even in the event of catastrophic life event you can secure you families or businesses future.

If you haven't considered what life would look like financially for your family of your business if you died, we're disabled or couldn't to work due to illness or injury, this episode is for you.

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.

Michelle Gerdtz is General Manager of "Read the Play" a Geelong based charitable organisation providing mental health literacy programs for junior members of sporting clubs.

The program is designed to break down the stigma around mental illness. Read the Play aims to increase knowledge and awareness about mental health problems, increase knowledge about local support services & increase confidence and skills in guiding our youth to relevant support services.

Michelle is a widely experienced and highly capable community leader and over her stellar 20+ year career has worked for the Australian Masters Games, Netball Victoria, Jump Media and the Department of Justice and Community Safety.

Michelle has also held many voluntary roles and is currently the deputy Chair AFL Barwon and was previously the President of Bell Park Football & Netball Club.

Having grown up in and around local Geelong sporting community, Michelle is well placed to discuss the challenges and opportunities of mental health early intervention delivered via the local sporting community.

Read the Play has partnered with Dr Michael Carr-Gregg to present his trademark talks on how to build Happy and Resilient Children which will take place on the 9th of March (Starting Secondary School) and 16th of March (Surviving Year 12). Tickets are available at https://readtheplay.org.au/events/

For more information on Read the Play such as how to volunteer, donate or become a corporate partner go to https://readtheplay.org.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.

Having normally reserved their place as some of the most boring topics in finance; when budgeting, cash-flow, interest rates and inflation are trending topics in everyone's daily conversations, you know something BIG is brewing!

Like nutrition and health, we can fall into bad habits with our finances of mindlessly consuming, blissfully unaware of the consequences of our actions whilst times are good, only to be confronted with the reality of our health when presented with an unexpected crisis.

For many that crisis is here today in the form of rising cost of living and a rapid increase in interest rates, forcing many to question their financial health and make difficult and painful decisions to not only get back in shape but to survive.

This Week in Fine Answer, Jay and Ben discuss the path to not only regain your financial health but position you to take advantage of future opportunities against a backdrop of uncertainty.

In today's episode we discuss budgeting and cash flow management. If you would like a copy of our budget calculator, email us 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.

Ben and Jay are joined by Senior Investment Advisors Adam Dawes and Sam Crompton from Shaw and Partners for this short and sharp market update.

After a positive start to the year, markets are anxious to see the result of interest rate rises and the real impact on inflation and consumer spending.

A pivot to resources, caution on overweight banking, a wait and see on tech, opportunity in energy and an uncertain property market remain the key market themes.

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.

Delta, Jay, Peter, and Ben discuss the certainty of greater uncertainty in markets after a year of volatility in 2022, and how with the right planning and focus this can be turned into opportunity in 2023.

They share their thoughts on everything from the Russia Ukraine war, property and share market, interest rates, fuel prices, federal election, inflation, cryptocurrency and somehow find their way to Emu and Ostrich farming!

The common thread of this discussion is the importance of focusing on what is in your control financially, to position yourself to create opportunity in times of crisis.

Objective rather than emotional financial decision making should always be the goal and to do that sometimes you need some support.

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.

Delta, Jay, Peter and Ben reflect on the business challenges and achievements of 2022.

In spite of market and political turbulence Burke Britton has maintained consistency and calm in the delivery of quality investment and financial advice, focused around personal relationships and surrounding our clients with the teams support.

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.

An excerpt from our 2022 year in review podcast with Peter, Jay, Delta and Ben. Wishing all of our clients a safe, festive, happy Christmas and New Year!

Checkout out the full episode of our year in review on the Fine Answers Podcast, available on Spotify or wherever you listen to podcasts.

The BBFP Team

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.