If you are thinking about giving money to your children or grandchildren, you may be wondering whether it will affect your Age Pension.

In this episode, Nathan and Jordan unpack how Centrelink treats gifting, what it means for your pension payments, and why these decisions are often more complicated than they first appear. They explore how gifting can impact both Age Pension entitlements and aged care fees, the concept of deprived assets, and why trying to improve your Centrelink position without understanding the broader picture can create unintended consequences.

They also discuss the emotional side of gifting: wanting to help family now, seeing your legacy in action, and balancing generosity with your own financial security.

If you are considering transferring money, helping with a large expense, or restructuring assets later in life, this episode will help you understand the bigger picture before making a decision.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

What happens if a parent runs out of money while living in aged care?

In this episode, Nathan and Jordan explain financial hardship provisions, unrealisable assets, and what families can do when aged care fees become unaffordable.

They cover protected person rules, RAD payments, means tested care fees, gifting traps, and how hardship assistance actually works.

A clear guide for families worried about keeping a loved one in care without losing the family home.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

A listener has received a lump sum of money from her parents to help pay private school fees for her two children. She works full time, and shares costs with her ex.

The question is simple on the surface: where should the money go?

But underneath are deeper issues of risk, inflation, school fee increases, tax, emotional pressure, and long-term planning.

In this episode, we unpack the real considerations behind investing lump sums for short and medium term goals.

We explore cash versus offset accounts, conservative investing, investment bonds, prepaying school fees, and how divorce dynamics can affect decision making. Most importantly, we explain why the "best investment" depends on your broader life plan.

If you are navigating school fees, separation, or a large gift from parents, this episode will help you think clearly and confidently.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

You have sold your home and now have the proceeds sitting in the bank while you look for your next property.

But what does that mean for your Age Pension, tax, and where you should park the money safely?

In this episode, Nathan and Jordan answer a listeners question, unpacking

• The rules around Home Sale Proceeds for the Aged Pension including how the assets and income tests apply
• What to do with the money while you look for a new home
• And what else to watch out for!

If you are between homes or planning to downsize, this episode will help you make smart, low stress decisions.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

You have finally paid off your mortgage. There is just a small balance left. Now the question is, do you close it or keep it open?

In this episode, Nathan and Jordan unpack the emotional and financial sides of this common dilemma. They explore redraw facilities, offset accounts, retirement considerations, helping adult children, medical emergencies and how banks frame the decision.

The real issue is not just whether you can keep the mortgage open. It is whether you should, and what your plan would be if you ever redrew the money.

If you are approaching retirement or celebrating becoming debt free, this episode will help you think it through clearly and confidently.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

When a large sum of money enters a relationship, it can change more than just the bank balance. In this episode, Nathan and Jordan explore a pattern they often see in separation and divorce cases. Financial independence, particularly through inheritance, insurance payouts or business sales, can become the catalyst for long-standing relationship tensions to surface.

They unpack why feeling financially disempowered can keep someone stuck in an unhappy marriage, how windfalls shift the power dynamic, and the emotional weight that comes with inheritances and disability payments. They also explain why "protecting" an inheritance during separation is rarely straightforward and why every property settlement is deeply contextual.

Importantly, they discuss how financial relief can sometimes repair a relationship rather than end it. If you are navigating separation, expecting an inheritance, or simply feeling financially trapped, this episode offers thoughtful insights to help you think clearly during an emotionally charged time.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Financial scams are becoming more sophisticated, more personal, and more damaging than ever before.

In this episode, Nathan and Jordan talk through the emotional impact of being scammed, why shame and embarrassment stop people speaking up, and the most common scams they are seeing right now.

They explain how financial scams really work, how to spot red flags early, and practical steps you can take to protect yourself and your family online.

Scamwatch

https://www.scamwatch.gov.au/

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

In this shorter episode, a listener asks whether it makes sense to move their Mum from one aged care facility to another after a preferred room becomes available.

Nathan and Jordan walk through the emotional, practical and financial considerations of changing facilities, including new agreements, RAD transfers, interest rate resets, reassessments with Services Australia and how pre November aged care rules are treated when a move occurs.

This episode helps families avoid costly surprises when considering a move for a loved one already in care.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Can shifting superannuation between spouses increase your Age Pension entitlement?

In this episode, Nathan and Jordan unpack a common listener question about moving super into a younger spouse's account to reduce assessable assets.

They explain how the Age Pension asset test works, when this strategy can be effective, and the trade-offs around tax, access to funds, Centrelink reporting, and long-term retirement planning. This is a general discussion only and highlights why personalised advice matters when making major retirement decisions.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Many families consider buying a property for an ageing parent to live in under a granny flat arrangement.

This episode covers a question from a listener over whether you can charge rent as part of a Granny Flat Arrangement. Nathan and Jordan unpack the difference between what is allowed under Centrelink rules and how the ATO views these arrangements.

They explain why charging rent can accidentally turn a family agreement into a commercial arrangement and trigger unexpected tax bills.

This episode is essential listening for anyone thinking about property, pensions, and supporting parents later in life.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.