What actually stops people from seeking financial advice?

In this episode, Robert Goudie and Rachael Todman discuss some of the common misconceptions and barriers that can prevent people from reaching out for advice. From feeling embarrassed about past financial decisions to thinking you don't have enough money to justify seeing an adviser, they explore why financial advice can be valuable at different stages of life.

Whether you're just starting to build wealth, preparing for retirement, or simply looking for some guidance with your finances, this conversation explores how professional financial advice can help you make more informed decisions at different stages of life.

Could a 2% deposit really help you buy a home sooner, or encourage you to buy before you are financially ready?

Rob Goudie and Rachael Todman unpack Australia’s Help to Buy scheme and how it may assist eligible Australians in purchasing a home.

They explore the government’s shared-equity contribution, eligibility requirements, property price caps and ongoing obligations. They also discuss affordability, cash flow, home ownership costs and the importance of being financially prepared.

Listen to the full podcast to learn more and consider whether the Help to Buy scheme could be suitable for your circumstances.

Is it still possible for the average Australian to build wealth?

Rob Goudie and Rachael Todman discuss how rising living costs, tax changes and negative headlines can make wealth creation feel out of reach. They explain why consistency, sensible spending, regular investing and the power of compounding remain fundamental to long-term financial security.

Building wealth may not happen overnight, but a simple plan followed consistently can make a meaningful difference.

Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Property or shares, which makes the better long-term investment? In this episode , Rob Goudie and Amy Lehmann respond to a listener’s question about why Rob generally prefers investing in businesses through the share market rather than residential property. 

Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Could the proposed family trust tax changes affect the way your business income is taxed?

In this episode, Rob Goudie is joined by guest speaker Dallas Landwehr from BCH Accountants to discuss what the proposed family trust tax changes may mean for Australian small business owners, tradies, farmers and families using trust structures.

They cover income distributions, potential tax impacts from 1 July 2028, rollover relief, business restructuring options, estate planning considerations and why there is no need to panic just yet.

Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) is authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Feeling like debt is getting in the way of the retirement lifestyle you’ve worked hard for? Your 60s should be about more freedom, better choices and peace of mind, not constant stress over credit cards, personal loans, bills or repayments.

We look at practical strategies that may help Australians reduce debt while still enjoying life in their 60s. We’ll talk through realistic ways to review what you owe, prioritise repayments, avoid risky quick fixes, make room for the things that matter, and know when it may be time to ask for support.

Whether you’re approaching retirement, already retired, or simply wanting to feel more in control of your money, this discussion is designed to help you think more clearly about debt, lifestyle and financial wellbeing in this stage of life.

#DebtReduction #RetirementPlanningAustralia #MoneyInYour60s #AustralianFinance #FinancialWellbeing

Could a falling share market actually increase your retirement income? Many Australians assume that once their assets rise above the Centrelink limits, the Age Pension is off the table forever. But recent market volatility has created new opportunities for some retirees to qualify for valuable pension payments, concession cards, and thousands of dollars in annual benefits.

In this episode, Rob Goudie and Ashley Rowan explain how the Age Pension asset test works, the latest Centrelink thresholds, and the strategies that could help you unlock additional retirement income.

Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401

Can property investing go wrong? In this episode, Rob Goudie and Ashley Rowan discuss a real-life Australian property case study involving a couple who found themselves facing significant negative equity shortly after purchasing a newly built investment property.

The conversation explores:

✔️ What negative equity means and why it matters

Whether you're considering your first investment property or reviewing your long-term financial strategy, this episode provides valuable insights into the importance of due diligence and informed decision-making.

Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401

Rob Goudie and Ash Rowan discuss a crucial strategy for retirees looking to minimize potential death benefit taxes on their superannuation. Ash shares a real-life case study of a retired couple with a $1.3 million superannuation balance that is fully taxable. They explore the complexities of taxable vs. tax-free components within superannuation and how changes to CGT and negative gearing can impact estate planning.

The discussion delves into a "recontribution strategy," a method of withdrawing funds from superannuation and recontributing them as non-concessional contributions. This process aims to increase the tax-free component of the superannuation balance, thereby reducing the tax liability for beneficiaries. 

Don't miss this valuable discussion on proactive superannuation and estate planning to protect your assets for the future.

Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401

Going through a separation or divorce can feel overwhelming, emotionally and financially. In this episode, Rob Goudie and Rachael Todman discuss how to make calmer, smarter financial decisions during a difficult life transition. Rachael shares a real-life story that highlights why it’s important not to rush major decisions when emotions are running high.

Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401