The Strategy Stacker - Luke Talks Money

By Luke Smith

Luke Smith is The Strategy Stacker. He's an experienced financial planner and each Friday afternoon talks about money with Leon Delaney on 2CC Talking Canberra. Luke's down to earth approach breaks do... more

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FAQs about The Strategy Stacker - Luke Talks Money:

How many episodes does The Strategy Stacker - Luke Talks Money have?

The podcast currently has 473 episodes available.

The Strategy Stacker - Luke Talks Money episodes:

January 29, 2023Luke on 2CC – How does financial planning work?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 27 January 2022. This weeks topic is: What is the financial planning process and how does it work? Many Australians haven never sought the advice of a financial planner. So if you do decide to go and seek personal advice, what should you expect?
Key topics covered include:
Don’t be afraid to seek advice
Come to the meeting with your objectives or an idea of what you’d like to achieve (including with your partner)
Bring your financial information along
Think about your timeframes too, e.g. if you’re retiring from work or would like to
Financial advice should be provided to you in writing
Make sure you understand the advice, ask questions
What happens after the first meeting?
How does the cost of financial planning work?
Luke share’s his top tips about seeking financial advice for yourself
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-27012023.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you reach your goals?
Making financial decisions by yourself can be complex, especially with changing rules with super and retirement. Seek advice if you need help.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming 1 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning. Visit thestrategystacker.com.au to find out more or click here.
...more
19min
January 22, 2023Luke on 2CC -Top 5 Questions from 2022
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 20 January 2022. This weeks topic is: Luke’s top 5 questions from 2022? This show looks back at the things that Luke was asked the most from people in his role as a financial planner last year. But before they start the questions, Luke answers a question from a listener.
Key topics covered include:
Listener question from last weeks show: Why can’t you live in a property that’s owned by your self managed super fund?
How much do I need to retire?
When can I get my money from super?
Is the age I can get money from super the same date I can get the aged pension?
How do I fund my retirement from my super?
How do I start a pension when I retire and what are the rules around it?
Luke shares his top tips on super fund structures.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-20012023.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need personal financial advice to answer your questions?
Luke Smith answers his top 5 financial planning questions from 2022. If you have questions about financial planning, you don’t have to go it alone. Seek advice and get the help you need.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming 1 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.
...more
20min
January 16, 2023Luke on 2CC – Are all super funds the same?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 13 January 2022. Leon’s back in the studio this week from Christmas break. This weeks topic is: Are all super funds the same? For most Australians, super is the biggest asset outside of the family home so it’s worthwhile spending some time to make sure you’re in a fund that’s working hard for you.
Key topics covered include:
Most people don’t think about the fund as an investment structure, they think about the investments and return.
These things however a different, today’s show talks about the structure, and specifically the features of your fund
What kinds features should you look for?
How do self managed super funds differ?
What’s the difference between a personal (retail) fund and an industry super fund?
How can people check if they’re in the right fund?
What about fees?
Luke shares his top tips on super fund structures.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-13012023.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you assess your super fund?
Are you in the right super fund structure to help you achieve your goals? Seek advice if you need help to review your options and get your retirement savings moving in the right direction.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
...more
19min
January 09, 2023Luke on 2CC – Fees on super, how much are you really paying?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 6 January 2022. Leon’s on holidays this week so Luke has a guest co-host. This weeks topic is: Assessing your administration fees and other fees on your super. As we enter the new year, it’s a good time to make sure you’re getting fair value on the costs associated with retirement savings. Over many years those fees can really add up.
Key topics covered include:
When was the last time you checked what you’re paying?
Fees often reflect features – are you in the right kind of super fund?
What kind of super funds are there and how do features and fees change?
What is an ICR and why does it matter?
What other costs are there?
How do you make a change? Start with your funds Product Disclosure Statement.
Can a fixed fee option be used or investments like exchange traded funds help you reach your goals?
Luke shares his top tips on reviewing fees on super.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-06012023.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you assess your super fund?
Over time, fees on your super fund can really add up. Take some time to make sure you’re getting fair value for the features you need. Seek advice if you need to.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
...more
17min
January 09, 2023Luke on 2CC – Why short term goals make sense
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 23 December 2022. This is the last show of 2022 and we wish all listeners a Merry Christmas. This weeks topic is: Why short term goals make sense.
Key topics covered include:
The new year provides an opportunity to re-set
Set realistic goals
Set short term time frames – repeated over time, they turn into medium and long term goals
Do something small a little sooner, compounding interest helps!
Why rewards for reaching goals are important
There are a many places to save – such as savings accounts, offset accounts and super funds
Don’t go it alone, setting goals with others
How can you change your behaviour to reach your goals?
Luke shares his top tips on setting financial resolutions for 2023.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-talks-Money-23122022.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you reach your goals?
Setting short term goals are easier to achieve than long term goals, but repeated over time they turn into medium and long term goals. Seek advice if you need help to set up your own goals.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again in 2023. Merry Christmas to our listeners.
...more
21min
December 19, 2022Luke on 2CC – 2023 New Year Resolutions
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 16 December 2022. This week Leon is back in the Studio with Luke. This weeks topic is: Planning ahead, New Year Resolutions for your finances.
Key topics covered include:
There’s lots of resolutions but let look at some financial ones
When it comes financial goals, start with your spending (budget)
Start something a little sooner, means less radical changes later in life
Save a few dollars here and there provides you with the ability to save (actively saving)
If you can raise your income, keep you spending the same – and save too
Use technology to your advantage and automate if it helps
Where do you start to find savings?
There’s also the option of clearing out the things you don’t need or use anymore
Don’t pay the lazy tax!
Credit cards – how can you use them to your advantage
Use cash and leave the cards at home
Do what’s right for you
Set short term goals – do something between Jan and March, then assess and review.
Luke shares his top tips on setting financial resolutions for 2023.
https://www.envisionfinancial.com.au/wp-content/uploads/2022/12/The-Strategy-Stacker-Luke-Talks-Money-16122022.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you reach your goals?
What will your financial resolutions be for 2023? Perhaps starting an investment portfolio or perhaps planning for retirement? Seek advice if you need to.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
...more
20min
December 11, 2022Luke on 2CC – Christmas shopping, how to stay financially fit
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 9 December 2022. This week’s topic for discussion is one that everyone can take something from. As we approach Christmas, retailers help us all turn their attention to gift giving. And with high inflation rates this year the cost of Christmas shopping is higher than usual. This weeks topic is: How to spend money through Christmas, without blowing up your budget.
Key topics covered include:
No one wants to start 2023 with a large Christmas debt
Just like any significant purchases, with Christmas shippoing you need a plan
There’s nothing wrong with asking someone what they want, to avoid wasteful spending
Gift cards are great, they allow the receipt to buy what they want
If you want to control spending, go shopping with cash and leave the cards at home
At all costs, avoid buy now and pay later and short term lenders
As a family, make a rule not to buy adults presents, leave presents for the kids
Remember the current environment, rising interest rates and inflation are still going to probably be issues next year
How to use credit cards effectively
Make good use of offset accounts as the interest rates are typically cheaper than credit card rates
Use your frequently flyer points to buy gifts
Keep your receipts from Christmas shopping
Luke shares his top tips on getting through Christmas financially fit.
https://www.envisionfinancial.com.au/wp-content/uploads/2022/12/The-Strategy-Stacker-Luke-Talks-Money-09122022.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you reach your goals?
Christmas can be an expensive time of year so it makes sense to have a spending plan so you get through it financially fit. Have a Merry Christmas!
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
...more
19min
December 04, 2022Luke on 2CC – How to maximise your pension?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 2 December 2022. This week’s topic for discussion is one that is important to consider once you’ve retired. How can you maximise your pension from your super? It’s an important step in your retirement to make sure you’ve got money to fund your life after work.
Key topics covered include:
The benefits of making a non-concessional contribution to super before you retire
The benefits of making a concessional contribution to super before you retire
Where might these contributions come from?
Pensions are tax free – so it’s a great vehicle to save and retirement
Self employed people can also benefit from making contributions
The downsizer contribution also allows you to put money into super
What are the things you should keep in mind when starting a pension?
Consider the estate planning issues for non-dependent adult children – how can you maximise your tax free components
Whose name your going to put a pension into, considering the transfer balance cap limits
Consider the tests too, ensuring you are eligible to make super contributions
Luke shares his insights into maximising your pension. Seek advice if you need help.
https://www.envisionfinancial.com.au/wp-content/uploads/2022/12/The-Strategy-Stacker-Luke-Talks-Money-02122022.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you make the most of your retirement options?
Making the most of your superannuation while working is an important step in helping you maximise your pension in retirement. Seek advice if you need help.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
...more
21min
November 28, 2022Luke on 2CC – How do you turn Super into a Pension?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 25 November 2022. This week’s topic for discussion is one that we’ll all need to consider at some point – How do you turn super into a pension? But they start the show by talking about the new company director number that company directors need to apply to the ATO by 30 November to avoid penalties.
Key topics covered include:
Many people don’t think about turning their super into an income until they retire
It is a fairly straight forward process, but where do you start?
Do you know your Commonwealth Preservation Age?
Have you met a condition of release?
Pension payments are very flexible – choose payments date that suit you
Request and complete the paperwork from your superfund to start a Pension.
How does tax work with a pension account compared to super account?
Do you have to give up work full time before you can start a pension?
What is a transition to retirement pension compared to a normal pension?
How much do you have to take from your pension each year?
Luke shares his insights into turning super into a pension. Seek advice if you need help.
https://www.envisionfinancial.com.au/wp-content/uploads/2022/11/The-Strategy-Stacker-Luke-Talks-Money-25112022.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help with own retirement planning?
Thinking about retirement in 2023? How do you go about turning your super into pension income payments? Seek advice if you need help to start your retirement planning.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
...more
20min
November 23, 2022Luke on 2CC – How to prepare for retirement – What should you consider?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 18 November 2022. This week’s topic for discussion is one that we’ll all need to consider at some point – How do you prepare for retirement and what should you consider as part of your pre-retirement planning?
Key topics covered include:
Retirement without planning means your likely to feel lots of uncertainty.
Retirement with a plan means you have more peace of mind.
Where do you start planning for retirement?
What do you currently live on and what do you need to live on in retirement?
Your income requirements may change in retirement, such as more weekly drycleaning perhaps?
What will you be doing in retirement with your new found time and how much will it cost?
Understand where you income is going to come from, don’t discount something part-time either.
Where do people have misconceptions about retirement planning?
Luke shares his insights into preparing for retirement.
https://www.envisionfinancial.com.au/wp-content/uploads/2022/11/The-Strategy-Stacker-Luke-Talks-Money-18112022.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you prepare for retirement?
How will you spend your time in retirement? Good retirement planning will give you peace of mind and greater certainty. Seek advice if you need help to explore and make sense of your retirement options to have a happy retirement.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
...more
18min

FAQs about The Strategy Stacker - Luke Talks Money:

How many episodes does The Strategy Stacker - Luke Talks Money have?

The podcast currently has 473 episodes available.

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