Australian Retirement Podcast

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle why CBA and BHP are both crushing it right now, plus the shocking SMSF boom: 42,000 new funds established in FY25, with the average NEW trustee age dropping to just 47 (vs 61 for existing funds). Why are younger Australians rushing to SMSFs, and 80% doing it without advisers?

The Boomer Briefing covers ASIC's major crackdown on dodgy lead generators selling your details to financial advisers, how to spot ethical vs unethical lead generation, and what retirees need to know about being targeted with rollover offers. Plus: How retirees can use AI like Claude in their financial lives, and whether old-fashioned companies are better during market selloffs.

Today's big question comes from "Ma & Pa Bank" - a 50-year-old couple with a mortgage-free family home and an investment property, wanting to help their late-teen kids buy homes in 5-8 years. How can they use their property equity or the investment property itself to help their children significantly before they're ready to gift cash in retirement? What creative strategies work without destroying their own financial future?

Drew and James explore the biggest mistakes parents make (helping too much, too soon), the critical questions to answer first (how much can you actually afford?), and the real-world strategies that work vs the ones that sound good but wreck retirements.

If you like this Australian Retirement Podcast episode on ASIC's lead generator crackdown and helping kids without wrecking your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:


CBA & BHP crushing it - What's driving the performance?


SMSF boom explained - 42,000 new funds in FY25, average NEW trustee age drops to 47


Why young people rushing to SMSFs - 80% set up without advisers


ASIC cracks down on lead generators - How dodgy companies sell your details, what's ethical

Resources for this episode

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DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with football season excitement - Saints vs Dogs, tickets locked in for June 21, 2026, and the inevitable complaining about obscene player salaries.

The Boomer Briefing tackles two critical topics:

Q Super's Retirement Bonus - What it is, how it works, eligibility criteria, and whether it's actually worth it or just marketing spin.

Selling down assets: Accumulation vs Pension phase - The massive tax differences that could save or cost you tens of thousands. When should you sell? What's the optimal timing? This is pure gold for anyone approaching retirement.

Then comes the main event - "Unclench-CtrlAltRetire's" epic question:

"I'm 62, currently staring terrified into the retirement abyss with $2M in cash. 50% in a bank at 4.25%, 50% in super on the Members Direct platform, treating the 'Buy' button like it's a detonator. I am paralysed by sequencing risk and overwhelmed by options, resulting in total inaction.

Drew and James deliver a masterclass on:

- Franking credit refunds in pension accounts (the actual mechanics)

- CGT exemptions in pension phase (what IS and ISN'T covered)

- Geared ETFs reality check (risk vs reward in retirement)

- Dollar-cost averaging strategies to overcome analysis paralysis

- Core portfolio construction for retirees

- How to finally press the "Buy" button without panic

This episode is essential for anyone frozen by fear with cash earning nothing while markets move.

If you like this Australian Retirement Podcast episode on pension phase tax strategies and overcoming investment paralysis, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

Ask a question (select the Retirement podcast)

Visit TermPlus to learn more

Rask Resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth deliver critical updates on tax changes and relationship traps that could cost you thousands.

After quick summer highlights and the CBA share price update (plenty of AI-driven outperformers despite volatility), they dive into the Boomer Briefing's two massive topics:

PROPOSED CGT CHANGES - New proposals threatening the capital gains tax discount could dramatically affect retirement planning and asset sales. Drew and James break down what's being proposed, who's pushing for it, which assets are targeted, and what retirees should do RIGHT NOW before potential changes take effect. Should you accelerate asset sales? Change your portfolio strategy? This is urgent information every retiree needs.

INTEREST RATES & INVESTMENT MARKET IMPACT - What's happening with rates and how it's reshaping portfolio strategies heading into 2026.

Then comes the de facto relationship pension trap:

"Not Your Average Listener" asks: "I'm 64M on Disability Support Pension with limited assets. My partner (57F) is working full-time with investment properties and shares - doing much better financially than me. We're looking to move in together soon, but I'm concerned about what this will do to my pension. Can you demystify this for me?"

Plus: Savvy Stay-at-Home Mum's credit card hack - Using interest-free periods with a redraw account to save $10K/year on a $200K mortgage. Does it actually work over 10 years?

If you like this Australian Retirement Podcast episode on CGT changes and pension relationship traps, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

Ask a question (select the Retirement podcast)

Visit TermPlus to learn more

Rask Resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

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DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with high energy - school drop-offs turning them into unpaid taxi drivers, interest rate movements affecting overseas travel plans, and whether term deposits are finally worth a look again.

The Boomer Briefing tackles two massive stories shaking up the super industry:

First Guardian & Netwealth finally came to a deal. After months of drama, the collapsed super fund scandal has reached resolution. Drew and James break down what happened and what it means for members.

AustralianSuper is experiencing competitive outflows as more members flee to platforms. Why? Access to advice, better retirement planning tools, and broader support beyond generic product offerings. The industry super dominance is being challenged by platforms offering personalized service. What does this mean for your super choice?

They also dive into what's happening with commodities - gold, silver, and crypto movements that captured headlines this week.

Then comes today's big question from Stephen Fry (not that one): A 54-year-old truck driver earning $150k with overtime, $420k in super, salary sacrificing $210/week. His wife is 50 with $60k super, sacrificing $100/week. They have $50k in personal loans and credit card debt clearing in 2 years. Both earn around $70k base salary.

Stephen knows he needs professional financial advice but it's not cheap. His critical question: How far out from retirement should he seek professional advice?

Drew and James deliver the brutal truth about timing your first adviser meeting - wait too long and you've missed critical opportunities. Move too early and you might waste money. They break down the sweet spot and what Stephen should do RIGHT NOW.

If you like this Australian Retirement Podcast episode on when to hire advisers and super fund strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

Ask a question (select the Retirement podcast)

Visit TermPlus to learn more

Rask Resources

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Financial Planning

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Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

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DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with Drew's CBA share price bet update. The bet backfired when CBA fell in 2025, costing Drew $150. But he's doubling down - the new bet is whether CBA will finish above or below $150. Will Drew learn his lesson?

The Boomer Briefing tackles a fascinating trend: Why are retirees checking their super balances more than their kids' wellbeing? New data reveals heightened anxiety among retired members, particularly in funds like UniSuper where engagement with retirees has spiked. Drew and James unpack what's driving this retirement anxiety and whether it's justified.

They also break down what balanced returns look like for calendar year 2025 and reveal the 2025 top super fund performers according to SuperRatings.

Then comes today's big question: How do you avoid or reduce paying a massive $130k capital gains tax bill when selling an investment property at or just before retirement? A 61-year-old listener with $800k in super, still working and planning to retire at 65, needs smart CGT strategies. Drew and James deliver practical solutions.

Plus, the Moooving Paramedic (the 41-year-old farming paramedic with 5 kids) asks whether he should switch from pre-tax to post-tax super contributions. Currently contributing 9% via salary sacrifice and looking to increase, he's worried about the 15% tax on payout. Should he diversify his contribution strategy now?

If you like this Australian Retirement Podcast episode on CGT planning and super strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- Drew's CBA bet backfires - Lost $150 as CBA share price fell in 2025, now doubling down on over/under $150

- Balanced fund returns for 2025 - What to expect from your super this year

- Retiree super anxiety - Why retirees are checking super more than their kids, - UniSuper engagement spike

- 2025 top super performers revealed - SuperRatings breakdown of best-performing funds

- How to avoid $130k CGT bill - Strategies for selling investment property at retirement (61yo, $800k super, retiring at 65)

- Pre-tax vs post-tax super contributions - Moooving Paramedic's dilemma: 41yo with 5 kids, 9% salary sacrifice, should he add post-tax?

Resources for this episode

Ask a question (select the Retirement podcast)

Visit TermPlus to learn more

Rask Resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices