Want to legally reduce your tax and boost your retirement savings at the same time?

In this episode, financial planners Rob Goudie and Ashley Rowan break down one of the most powerful, and often overlooked, strategies in Australia: catch-up concessional (carry forward) super contributions.

With decades of combined experience, Rob and Ash explain how this strategy works, who qualifies, and how you can potentially save thousands in tax by making smarter super contributions.

If you’re earning a solid income or planning a major financial move, this is a must-watch strategy that could make a serious difference to your long-term wealth.

Is the government's 5% deposit scheme really helping first home buyers, or is it pushing them into unsustainable debt?

Considering retiring before age 60 but unsure whether it’s financially sustainable?

In this episode, Rob Goudie and Ashley Rowan discuss key considerations for those looking to retire before accessing superannuation. Using a real client scenario, they outline approaches to managing the gap to age 60, including tax timing and more conservative income strategies such as cash and term deposits.

They also explore the role of financial modelling in assessing sustainability, the potential impact of delaying retirement, and the importance of balancing lifestyle objectives with long-term financial security, including future aged care considerations.

This podcast contains general advice only and does not take into account your objectives, financial situation or needs. You should consider whether the information is appropriate to your circumstances and seek professional advice where appropriate.

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

Thinking about moving closer to family but worried about the financial risks? In this episode, Rob Goudie chats with Rachel about a real client case study and how to make a big move without taking on unnecessary debt.

We talk about why rushing into property decisions can end up costing more than you expect, the hidden impact of debt on cash flow, retirement savings and lifestyle goals, and why renting first can be a smart way to test a new location. We also cover strategies for maximising super contributions and maintaining financial flexibility in your 50s.

If you’re thinking about buying, moving, or upgrading your home, this episode gives practical advice to help you make calm, confident financial decisions.

🔔 Subscribe for more tips on investing, wealth planning, and financial confidence. #InvestorMotivation #PropertyAdvice #FinancialPlanning #DebtFreeLiving #retirementplanning

What should a 25-year-old do with a $2–3 million inheritance?

In this episode, we break down a real-life case study of a young couple receiving a large early inheritance and the smartest ways to use it for long-term financial security and lifestyle balance.

We talk about whether it’s better to buy a home outright or take on a mortgage, and why learning to manage debt and cash flow still matters even when you have significant wealth. The conversation explores how to avoid lifestyle inflation, how to invest wisely across different assets, and why diversification is key.

We also dive into more advanced strategies like structuring investments through trusts, understanding tax implications, and how to make your money work for you over time. On top of that, we unpack the risks behind common property advice online, including overleveraging and relying too heavily on debt-driven strategies.

This episode is ideal for young adults receiving an inheritance, parents thinking about passing down wealth, and anyone who wants to build long-term financial freedom with intention and discipline.

Are you making financial decisions you might regret later?

In this episode, Rob Goudie and Rachel Todman dive into the most common (and costly) money mistakes people make, often without realizing it until it’s too late.

From upgrading homes and taking on too much debt, to panic-selling investments and ignoring long-term planning, this conversation breaks down real-life scenarios they see every day, and how you can avoid them.

This is not about judging decisions, it’s about helping you make smarter, more confident financial choices.  Whether you're investing, buying a home, or planning your future, this episode will help you pause, think, and avoid costly regrets.

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. 

When headlines are filled with wars, rising fuel prices, and global uncertainty, it’s easy for investors to feel anxious and question whether they should be making changes to their portfolio.

In this episode, Rob Goudie and Amy Lehman discuss how global headlines can influence investor sentiment, and why markets don’t always react the way the news suggests.

With rising fuel prices and increasing global uncertainty, many investors feel pressure to make changes to their portfolios. But does negative news always mean markets will fall?

Rob and Amy explore the relationship between media headlines, market volatility, and investor behaviour, and explain why focusing on long-term fundamentals can help investors avoid emotional decisions.

This discussion provides general insights into how markets behave during uncertain periods and why maintaining a long-term perspective can be important for investors.

Are you contributing to super but unsure if you’re making the most of the contribution caps? Many Australians continue their regular contributions without reviewing how annual cap changes may affect their strategy.

In this episode, Rob and Ash discuss the potential superannuation contribution cap changes for the 2026–27 financial year, including concessional and non-concessional limits. They explain how these caps work, touch on strategies such as salary sacrifice and the bring-forward rule, and outline the role superannuation plays as a tax structure in long-term retirement planning.

#superannuation #australianfinance #retirementplanning #investormotivation

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

Feeling worn out at work and thinking about retirement? Wondering if your super will be enough and how you’ll manage your income when you stop working?

In this episode, Rob Goudie and Ash Rowan talk through these common concerns in a clear and supportive way. They share practical ideas to help you move into retirement with more confidence, even if work has been challenging or your financial future feels uncertain.

You’ll learn how to make the most of your leave entitlements and superannuation to create a steady income, better understand pension options and Age Pension eligibility, and plan for a retirement that supports both your finances and your lifestyle.

Tune in to gain clarity and start building a simple, practical plan for a more relaxed and secure retirement.

Feeling overwhelmed by HECS debt and the dream of owning a home?

Rob Goudie and Ash Rowan tackle this crucial financial question. Ash shares his personal journey of clearing HECS debt and the psychological impact it had. Rob offers his insights into why a substantial house deposit might be a smarter move in today's market.

Join the conversation as we explore the trade-offs, the impact on your financial future, and how to make the best decision for your situation.

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