Fine Answers

In this week's episode, Ben is joined by Jonathan Tolub to break down how portfolios are positioned as we head toward the end of 2025 and why diversification is still doing the heavy lifting.

They discuss why being underweight the US doesn't mean being out of it, how Europe, Japan and emerging markets have outperformed this year, and what's really happening beneath the headlines in US tech and AI. The conversation explores whether there's an AI bubble, how rising capital spending and debt are changing risk for big tech, and why timing the market is rarely the answer.

If you want to understand how portfolios are managed through ups and downs without chasing hype, this episode is a must-watch. What part of the market are you watching most closely right now?

If you'd like to get in touch with us:

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Spotify: https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c

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 https://www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule/98ed563c Burke Britton Financial Partner. 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.

Can a 5% deposit really get you into your first home or is it just a recipe for long term debt? Are you tempted to tap into your super to buy a property and what does it mean for your retirement? Plus, why are more young Australians staying at home longer and how can families plan for it?

In this episode of The Fine Answers Podcast we cut through the hype and give you the practical answers you need:

• What first home buyers really need to know about 5% deposits

• Hidden costs that could blow your budget before you even move in

• Cash flow versus what the bank says you can afford

• The truth about using super for your first home

• Why young adults are living at home longer and how to plan for it

• Smart strategies for parents to support their kids without risking their own financial future

If you are buying your first home, helping your kids get started or planning for retirement, this episode is packed with actionable insights to help you make smarter financial decisions today.

If you'd like to get in touch with us:

Facebook: https://www.facebook.com/burkebrittonfp

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

TikTok: https://www.tiktok.com/@burkebrittonfp

Spotify: https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c

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 https://www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule/98ed563c Burke Britton Financial Partners. 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.

Ever feel like your business is running on pure energy and enthusiasm but you keep hitting a ceiling? In this episode of The Fine Answers Podcast we chat with Reyan Fernando, professional EOS implementer, about his journey from IT and running his own business to helping leadership teams scale and grow.

Reyan shares how EOS, the Entrepreneurial Operating System, brought structure, accountability and clarity to his teams, especially during tough times like the 2020 lockdowns. He breaks down how it works with Vision, Traction and Healthy, and why having the right people in the right seats makes all the difference.

We also talk about the challenges of keeping the team together, the aha moments that changed the game for him, and why systems are so important when passion alone is not enough.

If you are building a business or leading a team, this episode is full of practical tips and real stories you will relate to.

Connect with Reyan -

https://www.instagram.com/the.eos.guy

If you'd like to get in touch with us:

Facebook: https://www.facebook.com/burkebrittonfp

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

TikTok: https://www.tiktok.com/@burkebrittonfp

Spotify: https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c

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 https://www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule/98ed563c Burke Britton Financial Partners. 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're thrilled to have Lacey McKenna and Edwina Hill from Right at Home, experts in home care and assistance, joining us on the podcast today! 🙌

It's a full house with the four of us, and we're diving into some really insightful conversations about home care, support, and what it takes to make a real difference for families.

Lacey and Edwina share their experiences, tips, and stories from the field, giving us a behind-the-scenes look at the challenges and rewards of providing care at home. Whether you're curious about home assistance, caring for a loved one, or just want to hear some inspiring stories, this episode has something for everyone.

Grab a seat, relax, and join the conversation—because having these two incredible guests with us makes this one you won't want to miss! 💬

Check them out - Easiest way to get started? Give them a call - 03 5213 2956 https://au.linkedin.com/in/edwina-hill-671437261

https://au.linkedin.com/in/lacey-mckenna-96477437a

If you'd like to get in touch with us:

Facebook: https://www.facebook.com/burkebrittonfp

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

TikTok: https://www.tiktok.com/@burkebrittonfp

Spotify: https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c

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 https://www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule/98ed563c Burke Britton Financial Partners. 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.

Welcome to an episode that makes insurance actually useful. We break down what insurance is, why it matters, and how it can protect the lifestyle you're building (without the jargon.) In this episode:

• The four main types of personal insurance: life, TPD (total & permanent disablement), income protection, and trauma/critical illness.
• When each type becomes important and who should prioritise what.
• How insurers assess risk — loadings & exclusions explained simply.
• Ways to pay for cover (personally vs through super) and why it matters.
• How to check if you already have cover in your superannuation.
• Practical next steps for young adults starting their financial journey.

🔔 Want more? Check the episode notes for links, resources, and how to book a meeting with a licensed financial adviser. If you'd like to get in touch with us: Facebook: https://www.facebook.com/burkebrittonfp Instagram: https://www.instagram.com/burkebrittonfp TikTok: https://www.tiktok.com/@burkebrittonfp Spotify: https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c 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 . 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.

Ever wondered what it really takes to start your own business?

In Episode 5 of the Young Minds Podcast we break down the key steps to turn an idea into a thriving venture. From finding a gap in the market, creating a simple business plan and setting goals, to knowing when to fund your business and start paying yourself, we cover all the essentials every young entrepreneur should know.

💡 What you will learn in this episode:

• How to test your business idea and spot opportunities
• The basics of planning and goal setting for startups
• Funding options and bootstrapping tips
• Avoiding common mistakes that new business owners make
• Understanding when it is time to pay yourself

No jargon, no fluff, just clear actionable advice to help you take your first steps with confidence.

🎧 Tune in now and get empowered to make smarter money moves

For more insights on legal, property and financial planning, tune in and join the conversation.

If you'd like to get in touch with us:

Facebook:

https://www.facebook.com/burkebrittonfp

Instagram:

https://www.instagram.com/burkebrittonfp

TikTok:

https://www.tiktok.com/@burkebrittonfp

Spotify:

https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c

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/98ed563c. 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 we sit down with Paul Snow, Principal Lawyer and Director at HG Legal and Conveyancing, for a deep but down to earth chat about the reality of estate planning, superannuation and the not so hidden "death tax" in Australia.

Paul shares his personal journey from footy fields and boxing gyms to building a thriving legal practice and why creating community, mental resilience and financial security all tie together. We unpack:

💼 Why most Aussies don't actually "own" their super the way they think they do

🏡 How to make sure your assets go to the right people and not the tax office

📜 The importance of binding nominations and proper wills

💬 What's really going on with talk of a death tax and how it could affect families

💡 Plus, how early financial education and a bit of planning can change your kids' future

It's a relaxed, insightful conversation about money, mindset and legacy, perfect for anyone who wants to protect what they've worked hard for and set their family up for success.

👉 Follow Paul on Instagram:

https://www.instagram.com/hg_law/

For more insights on legal, property and financial planning, tune in and join the conversation.

If you'd like to get in touch with us:

Facebook:

https://www.facebook.com/burkebrittonfp

Instagram:

https://www.instagram.com/burkebrittonfp

TikTok:

https://www.tiktok.com/@burkebrittonfp

Spotify:

https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c

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/98ed563c. 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.

Ever wondered if your home loan or investments could actually work for you?

In this episode, we dive into smart financial strategies for building long-term wealth, including:

• How to use margin lending to potentially grow your investments
• The ins and outs of debt recycling and accelerating mortgage repayment
• Teaching financial discipline early for your kids
• Rethinking work, retirement, and creating a life that matters

Whether you're planning for your family, exploring smarter investment options, or curious about growing your wealth, this conversation is packed with insights you won't want to miss.

🔔 Subscribe for more strategies on financial freedom, family wealth, and building a purposeful life.

If you'd like to get in touch with us:

Facebook:

https://www.facebook.com/burkebrittonfp

Instagram:

https://www.instagram.com/burkebrittonfp

TikTok:

https://www.tiktok.com/@burkebrittonfp

Spotify:

https://open.spotify.com/show/5k17gfi5Kw10osJmeONLoU?si=cf8cd688f0bd4d6c

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/98ed563c. 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.

Buying your first home in Australia? Let's talk about the stuff no one really explains.

From saving for a deposit to dealing with banks, LMI, guarantors, and pre-approvals — we unpack what it actually takes to buy your first place (and avoid getting stuck in massive debt 💸).

We're joined by financial advisor Ben from Bourke Britton Financial Partners to chat about real-life money moves, the pros and cons of building vs buying, and why serviceability matters more than you think.

No jargon. No lectures. Just an honest chat about what it's really like trying to buy your first home as a young Aussie. 🇦🇺

If you'd like to get in touch with us:

Facebook: https://www.facebook.com/burkebrittonfp

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

TikTok: https://www.tiktok.com/@burkebrittonfp

Spotify: https://open.spotify.com/show/5k17gfi...

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/98ed563c. 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.