Retirement Living Your Way

In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and RFS Advice adviser and shareholder Brooke Riewoldt to discuss a common issue for couples: what happens when one person manages most of the household finances? They explain why both partners need a broad understanding of their income, expenses, bank accounts, assets, financial structures, estate planning documents and key professional contacts, even if only one person handles the day-to-day details. The conversation explores how preparation can reduce stress and confusion following death, illness, incapacity or separation, while helping the less financially involved partner build confidence. Practical suggestions include ensuring both partners can access cash, documenting important information, knowing where wills and powers of attorney are held, involving trusted advisers and family members appropriately, and reviewing the plan twice a year. The episode also cautions against making major, irreversible decisions during the first 90 days of a crisis. The central message is simple: leave your partner a clear plan, not a puzzle.

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Thinking about downsizing, moving into a retirement village, or exploring over 50s living? In this episode of Retirement Living Your Way, Greg Black is joined by Belinda Veriton from RFS Advice and Danielle Lim from DSL Law to unpack the key lifestyle, legal and financial considerations before making a move.

Together, they explain the differences between retirement villages, land lease communities and residential aged care, why lifestyle and community fit matter just as much as the numbers, and the important questions families should be asking early. The conversation also explores exit fees, ongoing costs, future care needs and why involving family members can help avoid stress and confusion later on.

This is a practical and reassuring conversation for anyone considering their next chapter, or helping a parent or loved one navigate later-life living options with greater confidence.

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In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice for part two of their investment fundamentals discussion.

This episode explores growth assets and specialist investments, including international shares, thematic funds, index funds, smart beta, active management, private equity and property. The conversation focuses on understanding each investment’s role, risks, liquidity and fit within a well-constructed portfolio.

The key message is simple: good investing is not about chasing every opportunity. It is about research, discipline, transparency and knowing why each investment belongs in the portfolio.

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In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice to unpack the foundations of retirement investing. The conversation focuses on the more defensive side of portfolios, including cash, term deposits, fixed income, mortgage funds, balanced funds, real return funds, and Australian shares used for income.

Troy and Josh explain why each investment needs a clear purpose, how retirees can think about risk, liquidity and income, and why labels like “balanced” or “fixed income” can sometimes be misleading. They also discuss the importance of cash buffers, diversification, understanding what sits underneath a portfolio, and avoiding investments where the risk is not properly understood or rewarded.

This is the first part of a two-part conversation designed to help retirees better understand how different investments work together to support income, stability and long-term confidence

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Retirement is not just about leaving work. It is about learning how to spend confidently, build new routines, stay connected and decide what you are retiring into.

In this episode of Retirement Living Your Way, Greg Black and Troy Theobald from RFS Advice are joined by Paul Forbes, former CEO of RFS Advice, to discuss the real-life transition into retirement. Paul shares practical insights on spending, travel, health, relationships, helping adult children and avoiding emotional financial decisions.

Ideal for anyone approaching retirement, recently retired, or thinking about how to make life after work more confident, enjoyable and purposeful.

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In this episode of Retirement Living Your Way, Greg Black and Troy Theobald from RFS Advice speak with Paul Harrison from Kollosche about the practical realities of buying property on the Gold Coast.

Following on from their earlier conversation about selling, this episode explores the buyer’s side of the property journey, including how to clarify your budget, separate non-negotiables from nice-to-haves, and avoid common downsizing mistakes.

Paul shares practical insights into apartment and townhouse living, body corporate considerations, subject-to-sale contracts, building and pest reports, auction strategy, deposits, settlement periods and what makes a property attractive for future resale.

For retirees, pre-retirees and families helping the next generation enter the market, this conversation highlights the importance of understanding the lifestyle problem you are trying to solve before making a major property decision.

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What really happens when you step away from work?

In this episode of Retirement Living Your Way, Greg Black and Troy Theobald sit down with Paul Forbes, former CEO of RFS Advice, to unpack the reality of transitioning into retirement after a long and successful career.

Paul shares practical insights on becoming financially ready, aligning with your partner, and why retirement is about choice, purpose, and mindset, not just reaching a specific date.

If you are approaching retirement or starting to plan your next stage, this conversation provides a clear and honest perspective on what to expect.

Part 1 focuses on the transition. Part 2 coming soon.

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Selling the family home in retirement can feel overwhelming. In this episode, Greg Black and Troy Theobald from RFS Advice speak with Paul Harrison from Kollosche about the Gold Coast property market, realistic pricing, preparing your home for sale, auction versus private treaty, and the key steps retirees should consider before making a move.

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Many retirees are told what they should be doing with their money and how they should be living. In this episode, Troy and Greg discuss the pressures that come with those expectations and practical ways to push back. It is a relatable conversation filled with real-life examples that most listeners will recognise from their own experience.

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In this episode, we explore why insurance is a core component of financial planning for professionals and business owners. We outline the main forms of personal cover, including Life, Total and Permanent Disability, Trauma and Income Protection, and how each can play a role within a broader strategy.

RFS Advice, Director and Shareholder, Darko Zigic, joins the discussion to share practical insights on why appropriate insurance is an important part of any financial plan. Darko and Troy also talk through real-life examples, highlighting how working with a professional adviser can help people make more informed decisions and structure cover in a way that suits their circumstances.

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