Fine Answers

Managing Director of Achieve Home Loans, Will McKenzie boasts more than four decades of experience in the finance sector and knows the ins and outs of the home loan market.

Will has been a trusted partner of Burke Britton for more than a decade supporting, counselling and bringing to life the debt and finance element of our clients financial plans.

Today Jay, Ben and Will discuss the challenges and opportunities of rising interest rates, tips and traps for financing or refinancing your properties, together with state of the Geelong property market.

Will maintains the key fundamentals of always putting the client's needs first. "I remember my early working days as a bank junior. The bank Manager was looked upon as a respected friend and financial confidant of his clients. He knew each one on a first name basis and was intimately acquainted with their financial affairs and position". "Over time, we have seen this bank culture erode to the point where today, most bank clients are simply just another number".

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.

Gartland Property's, Will Ainsworth is one of Geelong and Australia's most successful real estate agents.

With a long history of property success, Will has sold over 1000 properties and is in the top 1% of agents in Australia for properties sold annually.

Jay and Will's relationship has spanned a quarter of a century with their paths crossing in multiple arenas, sporting, personal and professional.

Today they discuss their professional journeys, personal development, friendship, rivalries, loss, family, the Geelong property market, and the art of auctioneering.

Will is a property professional juggernaut who excels at every aspect of the sales process from marketing, negotiation, client communication and delivering results for his vendors.

If you are selling a property in Geelong, Will comes highly recommended!!

https://www.gartland.com.au/team/will-ainsworth/

[email protected]

0438 299 001

03 5224 2204

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.

50% of adult Australians do not have a valid will in place. This means that approximately half of Australians die intestate or without a valid will!!

Today's guest is Daniela Pavlovic, Principal in Harwood Andrews' wills and estates law practice.

Daniela and her team have worked closely with Burke Britton over more than a decade developing estate plans that complement our clients financial plans.

Daniela, Jay and Ben discuss the importance of proper succession planning, common misconceptions around what forms your estate, powers of attorney, the complexity of blended families and the benefits of testamentary trusts.

Through her personal experience of dealing with the loss of a close family member, Daniela understands the difficulties families face during this time and approaches each client with sensitivity and careful guidance.

With extensive knowledge and great passion for her clients and profession this was a fantastic conversation and a must listen for anyone without an estate plan or one that needs to be revisted.

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.

Australian Securities and Investments Commission (ASIC). (2019, June 5). Media release: Half of Australian adults don't have a will. https://asic.gov.au/about-asic/news-centre/find-a-media-release/2019-releases/19-151mr-half-of-australian-adults-don-t-have-a-will/

Glenn Peric is the CEO OF Shepparton Foodshare, a not for profit community initiative that has been rescuing and receiving donations of fresh and nutritious food and redistributing it to those in need in the Goulburn Valley since 2012.

Glenn shares his own journey to CEO, the recent challenges of COVID and Shepparton floods and the development of a new purpose built facility to secure Shepparton Foodshare's future in the Goulburn Valley.

Burke Britton is proud to have donated more than $60,000 over the last four years via the Future Generation Investment Program and look forward to continuing to support Shepparton Foodshare via client and community initiatives into the future.

Special mention to Ron and Pat Nichols who connected us with Shepparton Foodshare and to all of the volunteers, employees, individuals and business continue to donate time and produce.

To donate follow link at https://www.sheppartonfoodshare.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.

SCREW THE BANK……Its time to hit up them up ask them what they can do for YOU!!!

A Tik Tok Mortgage Sharman prompted this discussion with Jay and Ben around what you CAN and SHOULD be doing to improve your rate and get a better deal with the bank. https://vt.tiktok.com/ZS8QBTYYu/

Mortgage Prison is real but that doesn't mean you don't have options if you are willing to be prepared, informed and confident of your options and your ability to negotiate.

Banks are largely in retention mode and willing to bend on rates and provide cash back offers.

With rates rising the potential reward for a small amount of effort is outstanding.

Understanding the steps to take and who to engage has never been more important to ensure you cash in on the banks NOW or are able to negotiate a better deal in the future.

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 $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.