Fine Answers

In March 2017, Penny & Clint Stanleys beautiful daughter Zoe was diagnosed with a rare and incurable form of Brain Cancer called giant cell glioblastoma multiforme (GBM).

Zoe was an incredible and happy little girl – artistic, brave and obsessed with everything unicorns, butterflies and rainbows. Despite fighting courageously for 9 months, Zoe lost her battle just before Christmas in 2017.

Zoe's Fight exists to continue the legacy of Zoe, honouring the promise made to continue to fight in her memory, to help others facing the same fight she so bravely fought for 9 months.

https://www.zoesfight.com.au/

Peter and Jay discuss with Penny the ongoing challenges in raising awareness and funding for Paediatric Brain cancer and the generosity of the Geelong community and Future Generation Fund.

Zoe's Gala Ball is the biggest annual fundraiser for Zoe's Fight in 2023. Held at GMHBA Stadium and hosted by Renee Enright and Jason Nelson. Gather your friends and family, get your frocks ready and party for a purpose at Zoe's fight foundations biggest annual fundraiser.

Ticket price: $175 per person

Date: Saturday 14th October,2023

Time:7pm~11:30pm

Venue: GMHBA stadium, Moorabool Street, Geelong

Dress: Cocktail/formal

https://events.humanitix.com/zoe-s-fight-gala-ball23

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Zoe's Fight Foundation is a registered charity in Australia, with all funds raised being donated to help find a cure for kid's brain cancer.

https://www.zoesfight.com.au/donate

https://www.instagram.com/zoesfight/

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.

Geelong Youth Engagement (GYE) is group of local business, government organisations, and community focused groups that have formed to support youth from Geelong, Bellarine and Surf Coast communities through multiple youth focused programs.

Focusing on "At Risk" Youth, GYE Encourages engagement with education, employment and family and provides programs such as Strive, Spring Back Geelong & Geelong Kokoda Youth Program to Increase youth confidence, Build Resilience, Create Engagement & Increase Self-Belief.

CEO Andy Brittain and Program Coordinator Kelly Taylor join Jay Burke on Fine Answers to discuss the evolution of GYE and the need for community and corporate partnership to provide sustainability and long term support for Geelong's youth.

https://geelongyouthengagement.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.

Tom Limb is Managing Director of CPG Sports Management offering individualised management services for AFL and AFLW players.

A local football legend and life member of the Queenscliff Football Netball Club, Tom has played 200 Games for the Coutas including 3 premierships and 2 Best and Fairest.

With extensive knowledge of AFL and the football industry together with a corporate background specialising in strategic leadership, Tom and his wife Bianca created Connect Perform Grow Sports Management in 2022.

Jay and Che explore Toms passion for supporting others in their growth, and in setting and achieving goals, whilst ensuring player wellbeing is central to every aspect of player management be that mental, physical or financial.

https://timesnewsgroup.com.au/surfcoasttimes/news/lifeline-out-of-the-shadows-walk-to-support-to-support-suicide-prevention/

https://cpgsports.com.au

https://cpgsports.com.au/tom-limb

https://www.instagram.com/cpgsports

https://www.facebook.com/CPGsports

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.

Richard James Embelton (Rick), is a Life Member of the Returned & Services League of Australia Victorian Branch, The Medal of the Order of Australia (OAM) recipient and a much loved client and friend of Burke Britton Financial Partners.

Joined by Peter Burke, Jay Burke and Delta Smith, Rick discusses his own physical and mental challenges as a veteran together with the challenges facing veterans today from both previous and current conflicts.

Richard has served 50 years in advocacy, helping his fellow veterans to access their financial entitlements and mental and physical health services and benefits. He puts in an extraordinary number of hours each week, dedicated to ensuring that servicemen and women be assisted to obtain their entitlements.

Richard was called up for National Service in January 1971 and served in the 11 Movement Control Group of the Royal Australian Engineers in Vietnam. He completed his tour in September the same year with the rank of Corporal.

He signed up at the RSL Wellington (NSW) Sub-branch in October 1972 where he served as a Volunteer Advocate for five years to 1977. Later in 1977 he ventured north, transferring to the Moree (NSW) Sub-branch and serving as a Volunteer Advocate for a further five years until 1982.

In 1982 he moved south, where he transferred to the Queanbeyan (NSW) RSL Sub-branch and again volunteered as a Volunteer Advocate. During his time there he qualified for a TPI pension.

Moving to Geelong in 1983, he joined the Geelong and District Sub-branch of the Vietnam Veterans Association, serving as a volunteer for 31 years to 2014, then transferring to the RSL Geelong Sub-branch where he serves as a Volunteer Advocate and Mentor to the present day, assisting ex-service personnel to lodge claims and appeals to review boards and tribunals including retrospective claims to ComSuper. He also trains and mentors Level 2 Compensation Advocates at the Geelong Veteran Family Wellbeing Centre.

Richard has undertaken many training courses to maintain and improve his knowledge and skills, including Training Information Program (TIP) to Level 4, Advocacy Training Development Program (ATDP) to Level 3 and Wellbeing Compensation to Level 2.

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.

Relationship breakdown can be chaotic and full of conflict and complexity.

The financial and legal unknowns combined with the emotional and sometimes physical toll can be overwhelming.

Finding clarity through this chaos, conflict and complexity can be challenging, but that support network does exist.

Today Jay and Ben talk with Tara Paatsch, Special Counsel in the Harwood Andrews family law practice area.

Tara joined Harwood Andrews in early 2020 after practicing for several years in Geelong and exclusively in the family law jurisdiction since 2014.

Tara has significant experience across the full range of family law issues. She regularly appears in the Magistrates' Court of Victoria, the Federal Circuit Court of Australia and the Family Court of Australia.

She prides herself on her clear and regular communication with her clients. Tara seeks to achieve a fair and cost-effective outcome for her clients during an often difficult time.

https://harwoodandrews.com.au/tara-paatsch

https://harwoodandrews.com.au/news-ha/2023/4/5/family-law-practical-tips

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.

The Trifecta in life is an abundance of Time, Money and Health.

For most of us the opportunity to have all three, in abundance at the same time, sits in a narrow window at retirement where hopefully Time, Money and Health converge.

Even then, this requires good management around the things we can control and a dose of luck around the things we can't.

Delta and Jay discuss what can expand this window to give us more time in the sweet spot of life. From early education, financial literacy and first jobs through to Investing, lifestyle villages and aged care.

Financial Planning is less about finances and more about living the life you want to live for as long as you can, whilst in good health without having top worry about money.

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.

Today's episode discusses the value of being informed, educated, disciplined, and interested in your finances. Knowing what you can manage yourself and knowing when you need to seek advice and support.

Jay and Ben discuss the intersection between systemising cash flow, the dangers of Property FOMO and the value of Debt Recycling as a strategy to growth wealth reduce debt and pay less tax.

If you are thinking about seeking advice, remember this:

The person that comes prepared, has done some homework, taken personal responsibility and ownership of their finances is going to get the most value out of advice.

Our aim with this podcast is to help prepare people and get them ready to make informed financial decisions. If we do that, then this podcast has served its purpose and has been a success.

Articles Discussed:

https://www.moneymag.com.au/avoid-property-fomo

https://empowerwealth.com.au/blog/whats-fomo-and-why-should-you-avoid-it/

https://www.amp.com.au/home-loans/managing-home-loan/debt-recycling

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.

Many Small Business owners or Farmers forgoe superannuation to invest time, energy and money into their business to fund their future retirement.

What's not well understood, commonly overlooked and poorly planned for, is that a number of tax and superannuation concessions exists for these individuals to reduce the amount of tax they may pay as they exit their business, sell their farm or change ownership in conjunction with retirement.

The small business retirement exemption (or Small Business CGT Relief) is a concession that can exempt capital gains on your company's business assets. It's one of four specific capital gains tax (CGT) small business concessions that govern the sale of assets; these exemptions recognise the fact that many small business owners use their company's assets to fund their retirement nest eggs.

Today Jay and Ben discuss the four concessions, their interaction with each other and the importance of planning ahead to take advantage of them and ensuring that your professional adviser work together to get the best outcome.

This is a complex area of advice and more than ever we would encourage small business owners and farmers to seek support around your own specific circumstances as rules and legislation change regularly.

https://www.ato.gov.au/business/small-business-entity-concessions/concessions/cgt-concessions

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.

The last few years has seen an explosion of investment vehicles, choices, and options for the first time (and long-time) investor.

From Micro Investment apps, Exchanged Traded Funds (ETF's), Listed Investment Companies (LIC's) to more traditional Managed Funds, Shares and Property; there is an asset class and an investment platform for everyone.

The challenge is working out what's suitable for each individual, as we all have different risk tolerances and goals.

Today's episode focuses on explaining the differences between investment classes and platforms, the natural progression from one to another over time and avoiding emotional investing in favour of goals based investing.

In this episode recorded on 5th November 2021 Jay and Ben discuss below article from the Sydney Morning Herald "Young People Becoming More Motivated to Invest".

Jay and Ben discuss their first ever investments and the importance of building a base of education and understanding as you build your portfolio of investments and seek advice.

https://www.smh.com.au/money/investing/young-people-becoming-more-motivated-to-invest-20210524-p57upd.html

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.

The $1Trillion dollar question!

Making up nearly a third of the $3.3 Trillion in superannuation in Australia and representing the fastest growing sector, Self-Managed Super Funds now enter most conversations around retirement.

The questions we get asked most are:

· Does it give me more control?

· Is it suitable for me?

· Does it provide me better returns?

· Can I buy a property with an SMSF?

· What are the risks?

· What are the benefits?

· How do I set one up?

In today's episode with SMSF specialist Advisers Peter Burke, Jay Burke and Delta Smith we explore these questions and many more related to whether a Self-Managed Super Fund is right 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.