Investor Motivation

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

Australia’s 2026 Federal Budget has landed, and there are major proposed changes that could impact taxpayers, property investors, business owners and families across the country.

Feeling overwhelmed by aged care finances? Confused about the RAD (Refundable Accommodation Deposit)? You're not alone. In this episode, we break down exactly what a RAD is, how it works, and the crucial financial complexities you need to navigate when choosing aged care in Australia.

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.

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