Freedonomix

This month Chris Haggart sits down with Shane Nicholas - Partner and Independent financial adviser at IWP to discuss all things economics and markets over the course of the last month.

DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

This week, Cameron sits down with Brigitta, an independent financial adviser at IWP, to talk through what to do when someone passes away.

Losing someone comes with grief, and then it comes with paperwork. Bank accounts. Wills. Super. Bills that were never in your name. In this episode, we cover the practical side of death that no one prepares you for, and why calling your financial adviser before you notify anyone else can save you months of headaches.

We cover:

• Why joint accounts and single accounts behave completely differently after a death
• What happens to super and pensions if there's no clear nomination
• The extra mess that comes with assets or property overseas
• Simple things you can set up now so your family isn't caught out later.

If you've ever wondered why should I be prepared for when I pass away, this ones for you.

DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

We looked at our own client data on the IWP Life Survey. Clients who've been with us for a few years score higher across every area of life we measure, not just the financial one. Spiritual wellbeing showed the biggest jump.

That sent us looking at what other researchers have found. Vanguard says advised clients are about half as likely to report high financial stress. Russell Investments found confidence in reaching financial goals roughly doubles after advice. The CFP Board found advised households are better prepared, with more emergency savings and estate planning in place.

In this episode, Cameron Howlett and Chris Haggart walk through the numbers and the stories behind them. It's less about the returns and more about what changes when people stop wondering if they'll be okay.

https://www.independentwealthpartners.com.au/insights/the-real-value-of-financial-advice-less-stress-more-confidence-better-life-decisions/

DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

Rates on hold, inflation still sticky, and the housing correction keeps spreading. In this month's update, we cover the RBA and Fed both holding steady, Australia's headline inflation easing while underlying inflation stays stubborn, a softening US labour market, and dwelling values falling across every capital city. We also look ahead to the big dates in September: US employment and CPI data, the Fed decision, and the RBA's next call.

DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

In this podcast episode Cameron sits down with Tim Dawe - Independent Financial Adviser and partner at IWP to talk through the impact of separation through a finance lens. Separation doesn't just hit your finances. It hits everything — emotionally, physically, mentally. We break down what actually helps in those first few months: why fight-or-flight decisions backfire, why delaying a new home purchase is often smarter than rushing one, and the boring admin (Wills, super nominations) that people forget until it's too late. A settlement isn't the finish line. It's where the next chapter starts.

Link to the article below https://www.independentwealthpartners.com.au/insights/the-next-chapter-navigating-life-and-finances-after-separation

DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

In this weeks episode, Cameron sits down with independent financial adviser at IWP - Brigitta Nadya - to talk through the impact of poor spending habits.

Everyone wants to talk about returns. Almost nobody wants to talk about cashflow — but it's usually the bigger lever. This episode looks at why a high income doesn't guarantee wealth, why lifestyle creep quietly derails good intentions, and why the person saving 20% of $90k often ends up ahead of the person earning $250k and spending it all. If you've ever wondered why the numbers aren't adding up despite doing "everything right" with investing, this one's for you.

Link to the article below https://www.independentwealthpartners.com.au/insights/you-cant-out-invest-poor-spending-habits/

DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

This month, Cameron sits down with Chris Haggart - Independent Financial Adviser and Partner at IWP to discuss all things economics and markets.

The RBA and the Fed stayed on hold — 4.35% and 3.50–3.75% — as each waits for clearer signals before their next move. Inflation cooling but unevenly across the US and Australia, consumer and business sentiment recovering off weak bases, growth decelerating on both sides of the Pacific, and US manufacturing standing out with its strongest reading in three years. They also cover the latest equity and bond market returns and what's on the calendar over the coming weeks, including the RBA's 11 August decision and the Jackson Hole Symposium.

DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

Les and Angela are looking at $15.9M — an $8M business sale on the table, a testamentary trust, an SMSF holding the company premises. On paper, they've made it.

Cam and Chris sit down with a case study built around a couple in that exact spot: Les is 67, Angela's 63, three adult kids, a parent with dementia, and a business sale that's about to change everything. The hard part isn't the money. It's figuring out what the money's actually for — how to help the kids without creating dependency, hold onto the beach house and city place as the family's home base, and protect what they've built if a relationship breaks down.

They work through the six buckets they'd use with a client like this — lifestyle, freedom, family, protection, care, legacy — and get into where it actually gets tricky for people who've won the game but haven't worked out what to do next.

In this episode, Cameron is joined by Williza Demirel - Independent Financial Adviser at Independent Wealth Partners.

We look at what happens when only one partner manages the household finances — and what happens when that person is suddenly gone. It's a common setup in a lot of relationships, but it leaves the other partner exposed at exactly the wrong time. They talk about why this hits women particularly hard in Australia, the practical and emotional load of taking over finances during grief, and the simple steps that make a real difference: shared financial knowledge, up to date wills, powers of attorney, and clear beneficiary nominations.

Planning for this is about making sure the people you love aren't left figuring it all out alone.

CLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

John is 58. Julia is 57. Together they've built $5.63 million in net worth — a family home, two investment properties, super, cash in the bank. On paper, they've made it. But 76% of their wealth is locked in property, and over half of it sits in a home that earns them nothing. One investment property has gained $400K. The other has lost $200K on paper and still costs more to hold than it returns. And despite everything they've built, they're not sure they can afford to spend it.

In this episode, Cam sits down with Andrew Brown - Independent Financial Adviser at IWP to unpack a real case study: a couple standing at the crossroads of retirement, torn between the life they've accumulated and the life they actually want. Time with grandchildren in Adelaide and South East Queensland. A slower pace. A beach home in Ulladulla. Being there for aging parents. They dig into the accumulation mindset that got John and Julia here, the emotional pull of a family home full of memories, and the strategic questions every couple in this position needs to ask before they can retire with confidence — not just capacity.

If you've built wealth but aren't sure how to use it, this one's for you.

DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.