Wealth Experience

In Part 3 of our conversation, Teneale is joined by insurance specialist Mark Everingham from PRP to explore the critical role personal insurance plays in a well-structured estate plan.

This episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 explores protecting family interests and structuring policies effectively to understanding beneficiary nominations and insurance within superannuation, this episode highlights why insurance is an essential part of the estate planning conversation.

When aligned with your broader estate wishes, it can help ensure the right assets reach the right people at the right time, providing greater certainty and protection for those you care about most.

Listen now to learn how integrating personal insurance into your estate plan can help safeguard your family's future and support the legacy you want to leave behind.

RESOURCES

Personal Risk Professionals

Ep 54 - Premium Factors & Ways to Save

Ep 53 - Beyond Premiums: Understanding the Real Value of Personal Insurance

Find us on:

𝗣𝗼𝗱𝗯𝗲𝗮𝗻: https://wealthexperience.podbean.com/

𝗦𝗽𝗼𝘁𝗶𝗳𝘆: https://open.spotify.com/show/2qj0mIoNL48BQWb3H7cYxH

𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰: https://music.amazon.com/podcasts/5731c30d-a1d5-4485-822d-d55d0845cdcf/wealth-experience

𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠: https://player.fm/series/3472668

𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀: https://podcasts.apple.com/us/podcast/wealth-experience/id1688303408

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ (AFSL: 222107).

AP Direct Invest - Alman Partners

Wealth Experience: Podcast - Alman Partners

https://www.alman.com.au/

https://www.alman.com.au/our-services/apdirectinvest/

#wealthexperiencepodcast #almanpartners #truewealth #personalinsurance #personalriskprofessionals #estateplanning #splitspaces #launchpadstudios

In Part 2 of our conversation, join Kelsey and insurance specialist Mark Everingham from PRP as they take a closer look at the rising cost of insurance premiums and the key factors influencing pricing across the industry.

This episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 explores increasing claim volumes, the impact of mental health-related claims, and how insurers balance premium pricing to support policyholders. You'll also gain practical tips on reducing premiums through regular policy reviews, improved health outcomes, and ensuring your cover reflects current medical advancements and personal circumstances.

A must-listen for anyone wanting to better understand their insurance and potentially save on their premiums.

RESOURCES

Personal Risk Professionals

Ep 53 - Beyond Premiums: Understanding the Real Value of Personal Insurance

Why Personal Risk Insurance Premiums are Rising in Australia - Alman Partners True Wealth

Find us on: 

𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #personalinsurance #personalriskprofessionals #insurancepremiums #splitspaces #launchpadstudios

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Kelsey is joined by recognised Life Insurance Subject Matter Expert, Mark Everingham (Managing Director and Founder of Personal Risk Professionals).

Personal insurance is often misunderstood, overlooked, or put on the "I'll deal with it later" list. In this episode, we challenge some of the most common misconceptions about personal insurance, discuss how changing industry pricing models and pricing volatility are impacting policyholders, and explore what these shifts mean for individuals and families seeking financial security.

We unpack one of the most important questions in financial planning: When should you start thinking about personal insurance? From major life events to career progression and family responsibilities, we examine the key moments that should trigger a review of your cover and why regularly revisiting your policy is just as important as taking it out in the first place.

The conversation also focuses on the three critical pillars of managing financial uncertainty: managing debt, protecting ongoing income, and maintaining adequate contingency funding. Together, these foundations can help create a more resilient financial future and provide confidence when life doesn't go according to plan.

Whether you're reviewing existing cover, considering insurance for the first time, or looking to better understand the evolving insurance landscape, this episode offers practical insights to help you make informed decisions and protect what matters most.

RESOURCES

Personal Risk Professionals

Life Insurance: Are you getting value for your premium dollar? - Alman Partners True Wealth

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #personalinsurance #personalriskprofessionals #insurancepremiums #splitspaces #launchpadstudios

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, we unpack some of the most common money myths that may be holding you back from building real wealth. From the idea that saving is safer than investing, to believing you need a high income or home ownership to get ahead, this episode challenges outdated thinking and offers practical insights to help you make more confident financial decisions. If you have ever told yourself “I’ll start later” or “I deserve to treat myself,” this conversation is for you.

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #moneymyths #buildrealwealth

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale is joined by Financial Adviser and Alman Partners business owner, Jason Kirk, to unpack the realities of running a small business in Australia.

With 98% of Australian businesses falling into the SME category—and many owners sacrificing a salary in the early years—Jason explores how financial advice for business owners differs from that for individuals. He explains why effective advice comes down to sequencing risk: understanding what to prioritise, what to put on hold, and what to avoid altogether.

They also dive into the strong link between personal and business finances, and the value of a well-rounded professional network—especially collaborating closely with accountants—to achieve better client outcomes.

Jason shares his perspective on the right time for business owners to seek financial advice, challenging the common mindset of waiting until “later.”

Whether you’re launching a start-up or managing an established SME, this episode delivers practical insights to help you make smarter financial decisions at every stage.

Find us on: 

𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #smallbusiness #businessowner #smefinancialadvice

In this milestone episode, Kelsey is joined by Leanne Abela and Joseph Schepis of Pearsons Family Law, who bring 40+ years of experience each to a frank, practical conversation about family law and asset protection. Together, they cut through the confusion and debunk common myths that stop people from planning with confidence.

From pre-nups and property division to settlements, asset protection, and gifting property to children, this episode breaks down what really matters - before things get complicated. Whether you’re planning for the future or protecting what you’ve built, this is essential listening for couples, families, and anyone serious about long-term security.

Topics covered:

RESOURCES

Pearsons Family Lawyers Melbourne

Find us on: 

𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #pearsonsfamilylaw #assetprotection #familylaw #prenup

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale & Kelsey demystify term deposits - one of the simplest tools to grow your savings. We break down what they are, how they work, and who they’re best suited for, from cautious savers to those looking for guaranteed returns without market volatility.

You’ll also hear the key pros and cons: the comfort of fixed interest and capital security versus the trade‑off of limited access and potentially lower returns compared to other investments. Whether you’re new to investing or considering where to park your cash, this episode will help you decide if a term deposit fits your financial strategy.

Find us on: 

𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #termdeposits #interestrates #splitspaces #launchpadstudios

Welcome to the first episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 of 2026. In this episode, Teneale travels through some of the most dramatic moments in financial history - the Great Depression, the Global Financial Crisis, and the COVID‑19 crash - to uncover timeless lessons about building and preserving wealth.

Across every crisis, one pattern stands out: markets fall fast…but they often rebound even faster. And for investors, missing just a handful of the market’s best days can mean missing out on the recovery entirely. We break down why staying invested - even when it feels uncomfortable - is one of the most powerful wealth strategies available.

𝐷𝑖𝑠𝑐𝑖𝑝𝑙𝑖𝑛𝑒𝑑 𝑖𝑛𝑣𝑒𝑠𝑡𝑜𝑟𝑠, 𝑛𝑜𝑡 𝑟𝑒𝑎𝑐𝑡𝑖𝑣𝑒 𝑜𝑛𝑒𝑠 𝑏𝑢𝑖𝑙𝑑 𝑙𝑎𝑠𝑡𝑖𝑛𝑔 𝑤𝑒𝑎𝑙𝑡ℎ.

Join us as we explore the real stories, the historical data, and the key takeaways that help investors navigate uncertainty with confidence. If you’re looking to deepen your long-term investment mindset, this episode is for you.

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #wealthlessons #financialhistory #investorlessons

The festive season is just around the corner, but for some, it’s not always the most wonderful time of the year—especially when the average Christmas spend sits between $1,200 and $1,500. In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale and Kelsey dive into the financial realities of the holidays and share practical tips to keep your budget in check.

They also explore the 5 Love Languages—Words of Affirmation, Acts of Service, Receiving Gifts, Quality Time, and Physical Touch—and how understanding them can make this season more meaningful without overspending.

Plus, discover how AI tools can help you manage your finances, investments, superannuation, and even set achievable goals for the new year.

Tune in for insights that will help you celebrate smarter and start 2026 on the right foot!

RESOURCES

The 5 Love Languages – Gary Chapman

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #newyearfinancialhangover #christmasspending #5lovelanguages #budget #splitspaces #launchpadstudios

In a profession built on trust, how do you know your financial adviser is truly acting in your best interest?

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Kelsey and Teneale unpack what it means to be a fiduciary—a role bound by legal and ethical obligations to protect your financial wellbeing. They explore how to identify fiduciary advisers and why it matters more than ever.

The collapse of Shield and First Guardian Master Funds has left over 12,000 retirement accounts impacted and $1.2 billion in assets liquidated. What went wrong? And what happens when advisers fail in their duty?

Tune in as we discuss:

Whether you're planning for retirement or simply want to protect your wealth, this episode is a must-listen.

RESOURCES

Alman Partners' CEFEX Interview

CEFEX | Fiduciary Excellence at Investment Advisory Firms

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #investmentfiduciary #trust #professionalconduct #cefex #splitspaces #launchpadstudios