Fine Answers

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.

When asked to write a few words 'about me' todays guest said…….." I'm a woman, divorcee, loud, girlfriend, friend, Mum, Stepmum, podcaster, health coach, adventurer, food lover, gin drinker, cancer conqueror…..I am Tam!"

Tam Shiels is a client and friend who shares who experiences around separation and divorce as mum of three young children whilst finding independence both personally and financially alongside her battle with breast cancer.

In todays episode we discuss the value of community and benefits of financial, legal and personal advice and how this set Tam up to thrive beyond divorce and cancer. Her story is an inspiration to anyone looking to take control during difficult times, avoid victimhood and find strength and support in others.

Tam has now focused her energy and personal experience into the "I Do to Divorce" Community, a safe and supportive membership space - created to empower women through separation, divorce and beyond.

Knowing that so many women face a transition that can be a very lonely and isolating time, Tam's purpose is to empower women moving through this time and thrive on the other side!

The power of connection is here to share. You can find Tam below:

Web: https://www.tamshiels.com.au/

Instagram: https://www.instagram.com/tam_shiels/

Podcast: I Am Tam The Podcast

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, the 17th November 2022, is Children's Grief Awareness Day.

Having lost two of his sons, which in turn left four of his grandchildren without a parent, this is a cause particularly close to our Director/Founder Peter Burke.

To recognise this day we welcomed Nikki Dunne, Operations Manager at Wombats Wish, to the Fine Answers Podcast.

Wombats Wish, is a Geelong not-for-profit organisation that supports children who have experienced the death of a parent. Their mission is to support children and young people after the death of their parent/carer, with outreach encompassing the entire state of Victoria, Australia.

We discuss the origin of Wombats Wish, its recent growth under Nikki's stewardship, the gratitude held for Ambassadors Travis Boak, Tom Hawkins, Emily Mannix and Brian Cook in raising its profile, and most importantly how we all can support childhood grief, and the 1 in 20 children in Australia that have lost a parent!

Peter Burke has recently joined the board at Wombats Wish and in collaboration with Burke Britton clients and Future Generation Fund has been able to provide funding of more than $40,000 since 2020 towards Wombat's Wish's flagship program which delivers weekend camps for children and the surviving parent/carer. All services are proudly offered at no cost to families.

To donate, volunteer, become and ambassador or refer a family in need, check out https://wombatswish.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.

Inflation, cost of living and interest rates are rising. Share and property markets are declining. A War in Ukraine and a world warming. Are we at the end of days or just experiencing part of the natural cycle of markets and human nature.

Never fear, because today we discussed it all and solved the problems of the world in a battle of Burke Vs Burke. Today, Ben Kemp moderates a debate between Jay Burke and Peter Burke arguing the Pessimistic (Jay) Versus Optimistic (Peter) view of the world, its risks, and its opportunities.

It was great to have the band back together today after nearly four months for this discussion. We hope you enjoy!

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.

On the 7th November 2011, baby River Waddell passed away suddenly and unexpectedly in his sleep. He was just 128 days old and there was no cause found for his death.

From this devastating loss, River's Gift was born with a mission to fund SIDS (Sudden Infant Death Syndrome) research, provide SIDS and infant safe sleep education and unite with other SIDS families on their grief journey.

In todays episode, Jay and Delta were joined by Rivers parents and co-founders of Rivers Gift, Karl Waddell, and Alex Hamilton. Karl and Alex discuss openly their experience in losing River and the courage they summoned, directing their grief towards research and education to stamp out SIDS.

Through the generosity of Burke Britton clients and the Future Generation program Burke Britton Financial Partners have been able to donate more than $14,000 to Rivers Gift in the past 2 years. We encourage everyone to consider how they too could contribute to this amazing charity and cause.

From this November 7th – on River's 11 anniversary – we ask the Australian community to shine blue and join our One28 campaign.

What can you do for 28 days that can raise $128 and help us drive our mission of Stamping Out SIDS?

Here are just some ideas:

• Give up coffee and donate $128.
• Quit alcohol and donate $128.
• Quit smoking and donate $128.
• Jump out of bed and watch the sunrise every morning over 28 days, and donate $128. Run or walk 128km over 28 days, and donate $1 per km?
• Or just simply host a morning tea on November 7th and raise $128 between your family, friends, and work colleagues.

Share your photos with us by tagging River's Gift on social media #One28 #StampingOutSIDS #RiversGift

However you choose to shine blue, we thank you for your support in Stamping Out SIDS. Donate or Create Your Own Fundraising Page: https://riversgift.kindful.com/?campaign=1204488 https://www.givenow.com.au/riversgiftone28

(All donations of $2 or more are tax deductible). 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 word retirement conjures different meaning for everyone. For some it is a milestone of achievement, relief, and exciting new beginnings, yet for others it can induce a sense of dread, confusion, and uncertainty. Regardless of how you define or feel about retirement one thing is certain; early planning and preparation is essential to allow you to make well informed and educated decisions about what right for you.

Amongst the many retirement decisions both financial and lifestyle, is the decision of where and how to live.

Today we are joined by Leanne Morrison from Geelong Retirement Advocates. https://geelongretirementadvocates.com.au/

Leeanne is a highly proficient and well-respected Retirement Villages Sales Manager with 10 years experience in the industry. Born, bred, and having raised her family here, Leeanne loves the Geelong region and is passionate about promoting the wonderful lifestyle that it offers, especially to retirees.

Her success has not only been underpinned by her comprehensive knowledge of the retirement villages industry but also by her genuine concern for all her clients, her personal integrity and dedicated work ethic.

Having sold hundreds of homes to retirees seeking accommodation in Geelong and Melbourne, she is well placed to assist those seeking advice and support to find their next home in a retirement village.

Her patience and support of her clients has led her to become a truly trusted advisor when making this important decision in conjunction with your financial adviser and other professionals.

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.