Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/

Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/

If you’re in your 50s or early 60s, the next 5–10 years will shape what retirement actually feels like. And one of the biggest levers you have isn’t picking better investments. It’s using superannuation properly.

In this episode, Scott and Phil break down why super is one of the most tax-effective structures available in Australia. They walk through how concessional contributions work, how the carry forward rule can dramatically reduce tax, and the common traps that can trip people up in their final accumulation years.

You’ll learn:

- Why super is taxed at 15% in accumulation and 0% in pension phase and why that matters

- What a concessional contribution actually is (and how employer super counts toward the cap)

- How the $30,000 annual cap works and how to avoid breaching it

- How the carry forward rule can reduce capital gains tax or large income spikes

- What Div 293 tax is and when high-income earners need to be careful

This episode is ideal for Australians aged 55+ who are in their peak earning years and want to maximise retirement outcomes through smarter structure, not speculation. If you want to legally reduce tax, boost super, and make the most of the final stretch before retirement, this is essential listening.

About Wealthlab

Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/

Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

See where you stand: free retirement readiness quiz → https://wealthlab.com.au/retirement-quiz/

Ready to talk? Free intro call, no obligation → https://wealthlab.com.au/strategy-review/

If you’re over 55, your biggest financial risk isn’t the share market or interest rates, it’s your behaviour. At this stage of life, retirement success is less about chasing returns and more about managing your mindset, your spending patterns, and your investment decisions.

In this solo episode, Scott explores the psychology of money and how it impacts Australians approaching or entering retirement. With average super balances often sitting below what’s needed for a fully self-funded retirement, the difference between confidence and stress often comes down to behaviour, not just numbers.

You’ll learn:
- Why behaviour becomes more important than growth once you move from accumulation to retirement
- How inherited “money scripts” can quietly influence your spending, investing and retirement confidence
- The difference between scarcity thinking and structured asset allocation
- Why holding too much cash can erode purchasing power over time
- How to think about converting super into sustainable income, not just preserving capital

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:
General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠

Book a free intro call →⁠https://wealthlab.com.au/strategy-review/⁠

Your super fund might be offering “free financial advice” but what if that advice quietly costs you over $100,000 in retirement income? In this episode, we unpack a real case where limited advice inside a super fund led to a costly Age Pension mistake.

You’ll learn:
- What “intra-fund” advice actually covers — and what it legally cannot advise on
- Why retirement planning requires considering both partners, not just one super account
- How moving super into pension phase at the wrong time can reduce Age Pension eligibility
- Why money held in accumulation phase may be exempt from Centrelink assessment (if one spouse is under Age Pension age)
- How missing broader advice can cost six figures in Age Pension payments over time

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:
General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).
General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat?

Book a free intro call →https://wealthlab.com.au/strategy-review/

Superannuation, the Age Pension and tax rules can feel like a minefield and one wrong move can cost you tens of thousands of dollars. In this episode, we walk through real-life case studies that show how small timing and structure decisions can dramatically change your tax bill and pension outcome.

You’ll learn:
- How delaying the sale of an investment property by weeks or months can significantly reduce capital gains tax
- Why selling assets in your last year of work is often far more expensive than selling after retirement
- How catch-up concessional super contributions can be used to legally reduce tax on large capital gains
- How Centrelink’s assets test and income test really work for couples approaching the Age Pension age
- Why income drawn from super does not count as income for the Age Pension, and how deeming actually applies

About Wealthlab

Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:

Instagram: https://www.instagram.com/wealthlabau/

Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat?

Book a free intro call → https://wealthlab.com.au/strategy-review/

Markets are volatile, interest rates may be rising, and the news feels chaotic but what does that actually mean for your retirement plans? In this episode, we unpack why reacting to headlines can quietly damage your super and long-term income, especially in the years leading into retirement.

You’ll learn:

• Why trying to “time the market” often reduces long-term returns, even if you avoid some downturns
• How missing just a handful of strong market days can significantly shrink your retirement balance
• What rising interest rates can mean for conservative portfolios, cash holdings, and bonds
• How to think about superannuation as purpose-driven buckets, not one single pool of money

About Wealthlab

Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:

Instagram: https://www.instagram.com/wealthlabau/

Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/

Is investment property dead or are Australians just reacting emotionally to proposed tax changes? With negative gearing and capital gains tax reforms dominating headlines, many investors are struggling to work out whether property still makes sense as a long-term strategy.

In this episode, Scott and Phil break down the proposed changes to negative gearing and capital gains tax, explain what the legislation is actually targeting, and compare property investing against alternative strategies like ETFs and managed funds. They also unpack the misinformation spreading online and why investment decisions should never be driven by panic alone.

You’ll learn:
- How the proposed negative gearing changes could impact investment property cash flow
- Why capital gains tax changes may not affect investors the way social media claims
- How property compares to ETFs and managed funds from a tax and income perspective
- Why leverage (borrowing power) has historically made property so attractive in Australia
- The importance of focusing on long-term wealth planning instead of reacting to headlines

This episode is for Australians aged 55+ who own investment property, are considering downsizing or restructuring assets, or want to understand how proposed tax changes may affect retirement planning. If you’re trying to make calm, informed decisions during a changing market environment, this conversation will help you cut through the noise.

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

You’ve probably heard the number: $730,000 for a “comfortable retirement.” But what does that actually mean and is it even realistic for your life? The problem is, this figure assumes you own your home outright, spend money consistently every year, and live to a specific age.

In this episode, Scott and Phil unpack the famous ASFA retirement benchmark and explain what sits behind the headline number. They explore why the figure changed so dramatically in recent months, how inflation and housing costs are affecting retirees, and why your personal retirement target could be very different.

You’ll learn:
- What the $730,000 retirement figure actually includes and what it leaves out
- Why owning your home outright dramatically changes retirement outcomes
- How inflation, rising living costs, and Age Pension changes are increasing retirement pressure
- Why retirement spending is rarely “flat” and usually changes over time
- How to work out your own retirement number based on your lifestyle and goals

This episode is for Australians aged 55+ who are trying to understand whether they have “enough” to retire comfortably. If you want clearer expectations, more realistic planning, and confidence around your future lifestyle and income, this conversation will help you move beyond generic retirement averages.

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

What does it actually mean when a financial adviser says they’re “independent” and why are most Australian advisers legally not allowed to use the term? It’s one of the most misunderstood parts of financial advice, especially for Australians trying to work out who they can trust.

In this episode, Scott and Phil unpack how financial advice regulation works in Australia, why adviser commissions were largely banned years ago, and the strict legal rules around the word “independent.” They also explain how advisers select products, structure advice, and what clients should really be looking for when choosing an adviser.

You’ll learn:
- Why most Australian financial advisers legally cannot call themselves “independent”
- How life insurance commissions still work and why they’re treated differently under the law
- The difference between product-based advice and strategy-first financial planning
- What “product agnostic” advice means in practice
- The key questions to ask when choosing a financial adviser for retirement planning

This episode is for Australians aged 55+ who want to better understand how financial advice works before making important retirement decisions. If you’re comparing advisers, reviewing your super strategy, or trying to avoid conflicted advice, this conversation will help you ask smarter questions and make more informed choices.

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Three key changes to the Age Pension happened at the same time but most people only noticed one. If you don’t understand how Centrelink actually assesses your situation, you could be making decisions that unintentionally reduce your pension.

In this episode, Scott and Phil break down how the Age Pension really works from the assets test and income test, to deeming rates and recent rule changes. They also walk through real examples to show how small differences in your financial position can impact your entitlement.

You’ll learn:
- How Centrelink applies the assets test and income test — and which one actually matters most
- What counts as an asset (and what doesn’t), including super, property, and personal items
- How deeming rates work and why they often benefit retirees more than expected
- Why gifting money to family doesn’t immediately improve your pension position
- How small changes in assets or income can significantly affect your Age Pension entitlement

This episode is for Australians aged 55+ who want to understand how the Age Pension fits into their retirement plan. If you’re approaching eligibility or already receiving payments, this will help you avoid common mistakes, protect your entitlements, and plan more effectively.

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

You probably already have insurance inside your super but do you actually know what it covers? For many Australians, this “set and forget” insurance can be misunderstood, underfunded, or not fit for purpose when it’s needed most.

In this episode, Scott and Phil unpack how insurance inside super really works, what types of cover you may already have, and why it often doesn’t align with your actual financial needs. They also explain the key differences between default cover and tailored insurance strategies.

You’ll learn:
- What types of insurance are typically included in super (life, TPD, and income protection)
- Why default cover is often lower than expected, and may not cover your real needs
- How policy changes and fine print can impact your ability to claim
- The difference between default super insurance and fully underwritten retail policies
- When it makes sense to keep your existing cover, and when to review or replace it

This episode is for Australians aged 55+ who want to protect their family, income, and retirement plans. If you haven’t reviewed your insurance in years, this conversation will help you understand what you have, what you might be missing, and how to make more informed decisions moving forward.

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide