Retirement planning isn’t just about the final years before you stop working—it starts much earlier. The financial mistakes you make in your 20s, 30s, and 40s—like taking on too much debt, delaying investing, or ignoring the impact of inflation—can significantly affect your retirement security.

In this episode, we explore the most common missteps at every stage of life and how they can derail your future. 

Learn how to avoid these pitfalls, maximise savings, and build a secure retirement with simple, practical strategies. No matter your age, the right decisions today can set you up for financial freedom tomorrow. 

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. 

Everyone wants to build wealth, but with so much financial noise—crypto schemes, margin lending, and “trade your way to riches” promises—it’s easy to get lost in the hype. The truth? Wealth isn’t built overnight.

In this episode, we break down the simple yet powerful approach to achieving financial independence: spending less than you earn, investing consistently, managing debt wisely, and making smart tax decisions. We also discuss the pitfalls of get-rich-quick schemes and how to avoid financial advice riddled with conflicts of interest.

If you’re looking for a proven strategy to secure your financial future—without unnecessary risk or complexity—this episode is for you.

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. 

Not all financial advice businesses invest the same way. In this episode, we explore how Consortium Private Wealth has developed its unique investment approach over the past 25+ years.

Rob and Amy share how their focus on long-term strategy, diversification, and client education helps ensure investments align with financial goals—not short-term market trends. Tune in to learn what sets Consortium apart and how their philosophy supports lasting wealth creation.

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. 

In this episode, we explore HUB24 (ASX: HUB), a $5.9 billion diversified financial services business known for its cutting-edge platform solutions and cloud-based technology. With a 7.5% share of the Australian platform market, HUB24 is a rising competitor against larger providers averaging 14% each.

We discuss HUB24’s impressive growth, including a staggering 6,319% return over 10 years and an 875% increase in dividends since 2019. With a strong balance sheet and a debt-to-equity ratio of just 5.8%, the company is well-positioned for continued expansion, including recent acquisitions like myprosperity.

Tune in to hear financial insights, analyst valuations, and key takeaways on HUB24’s economic moat, financial health, and future performance, along with the latest news and leadership highlights.

Please Note: This is not a buy, nor sell, recommendation. This is general information only.

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. 

In this episode, we analyse CSL Limited (ASX: CSL), a $134 billion market cap biotechnology company specialising in plasma-derived therapies, vaccines, and rare disease treatments. Operating in over 100 countries with 25,000 employees, CSL is a global leader in life-saving medical innovations through its core businesses, including CSL Behring, CSL Plasma, CSL Seqirus, and CSL Vifor.

We explore its strong economic moat, financial health, and growth performance, including a 226% increase in dividends over the past decade. Despite recent share price dips, analysts view it as potentially undervalued by 20%.

Tune in as we discuss CSL’s long-term prospects, past returns (up 249% over 10 years), future earnings growth potential, and insights into its recent acquisitions and latest announcements.

Please Note: This is not a buy, nor sell, recommendation. This is general information only.

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. 

A Deep Dive into a Global Plumbing Leader:

In this episode, we explore Reece Limited (ASX:REH), a $14.8 billion market cap company that has grown into a global leader in plumbing, waterworks, and heating and cooling products. Operating across Australia, New Zealand, and the United States with over 900 branches, Reece supplies a wide range of products to both commercial and residential customers.

Please Note: This is not a buy, nor sell, recommendation. This is general information only.

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. 

In this episode, Rob and Amy draw inspiration from the insightful article Nine Bad Habits of Ineffective Investors: Common Mistakes Investors Make by Dr. Shane Oliver, Head of Investment Strategy and Chief Economist at AMP.

They explore why seemingly logical actions often lead to poor investment outcomes, and discuss why habits like following the crowd, over-relying on past performance, and frequently checking your portfolio can derail your financial goals.

Rob and Amy share practical strategies for avoiding these mistakes and emphasise the importance of a long-term investment plan that aligns with your financial goals and risk tolerance. 

Tune in to sharpen your investment strategy and steer clear of costly missteps.

Article referenced in recording:

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. 

In the fourth episode of our new series on the Investment Motivation podcast, Rob Goudie and Rachael Todman take a deep dive into LVMH, the world's leading luxury goods company.

They explore what makes LVMH unique, from its diverse portfolio of iconic brands like Louis Vuitton and Moët & Chandon to its recent financial performance, growth prospects, dividend policies, and analyst valuations.

Rob and Rachael also highlight the ownership structure, led by Bernard Arnault and his family's significant stake, and provide insights into the latest news impacting the luxury giant.

Don’t miss this comprehensive breakdown of what drives LVMH's market success and potential future challenges.

Please Note: This is not a buy, nor sell, recommendation. This is general information only.

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. 

In this episode of the Investment Motivation podcast, Rob Goudie and Amy Lehmann break down retirement planning for a non-homeowner couple with $650,000 in savings.

They explore spending strategies, tax structures, and essential planning steps to ensure both partners’ financial security. Also included is pension eligibility, strategies for optimising the assets test, and ways to maximise super contributions and income.

Join Rob & Amy as they guide you through practical options to make $650,000 stretch further in retirement.

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. 

In this third episode of our new series on the Investment Motivation podcast, Rob and Rachael take a deep dive into ASML Holding (originally standing for Advanced Semiconductor Materials Lithography), a leader in semiconductor manufacturing equipment.

They explore ASML's business model, its dominance in EUV lithography, financial health, and growth prospects.

With insights into past performance, future earnings projections, and analyst recommendations, this episode covers everything investors need to know about ASML's position in the global tech market.

Please Note: This is not a buy, nor sell, recommendation. This is general information only.

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.