Retire Right

Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/

Get our new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgE

In this Q&A Glen and financial adviser Nathan Fradley discuss:

👉 retiring at 63 with a younger spouse still working: should we live off our cash or top up super?
👉🏼 valuation risk in super: what to know about private credit, private equity and unlisted assets
👉🏽 why would a private credit fund get frozen?
👉🏾 would you keep a small home loan as protection against scammers?
👉🏿 exiting a large property portfolio at retirement
👉🏻 can a market crash help you get more into pension phase under the transfer balance cap?

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
Glen James has a financial interest in Tallowwood Wealth Advice. This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.

Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/

Get our new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgE

Mick, a listener of the show wrote in about his situation so Glen and Vince Scully, co-author of 12 Months to Retire Right decide to unpack it: Mick who is 52 has recently come out of a divorce with $600k in super and a $620k mortgage. Due to the nature of his work Mick will be retiring at 60 and his goal is to be debt-free and financially self-sufficient. Glen and Vince discuss:

👉 Mick's circumstances
👉🏼 is avoiding the Age Pension the right goal?
👉🏽 Glen's advice for people doing life solo
👉🏾 how can Mick achieve his retirement goal?
👉🏿 a rough snapshot of Mick's situation at 60 if nothing changes
👉🏻 what to do with the home in retirement
👉 what Mick could consider between now and 60
👉🏼 5 options to boost income in retirement using your home

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

Glen James has a financial interest in Tallowwood Wealth Advice. This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.

Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/

Get our new book, 12 Months to Retire Right, out now! https://link.amazon/B07u9ZQgE

For most Aussies, retirement raises two big questions: what will I do with my time and will my money last? In today's episode Glen and co-author Vince Scully unpack their step-by-step guide, 12 Months to Retire Right which is officially available online and in stores today. They touch on:

👉🏼 the 12 chapters in the book
👉🏽 the retirement myth Vince says he sees the damage of every single day
👉🏾 what super actually is, and why it's worth understanding at any age
👉🏿 how to get the right advice, from the right place, at the right time
👉🏻 mortgage, super, or invest?
👉 what to know before you trust an online retirement calculator
👉🏼 why property is great for building wealth but gets clunky in retirement

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

Glen James has a financial interest in Tallowwood Wealth Advice. This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.

Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/

Get our new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgE

Are you better off having less in super to maximise the Age Pension? You may have remembered our earlier episode on this topic - well we're back to cover it again! In this episode Glen and financial adviser Martin McGrath tackle two case studies to see how the numbers (and lifestyle factors) stack up. They touch on:

👉 the sweet spot concept explained and challenged
👉🏼 case study one - a couple who upgrades their home
👉🏽 case study one - a couple who downsizes their home
👉🏾 the case for a lifetime annuity
👉🏿 Glen and Martin's final thoughts

Related episode:
320 retirement sweet spot: Apple Podcasts | Spotify | Youtube

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
Glen James has a financial interest in Tallowwood Wealth Advice. This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.

Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/

Get our new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgE

In this Q&A, Glen and Martin discuss:

👉 concessional vs non concessional contribution limits explained
👉🏼 can you make a downsizer contribution if your balance is over $500k?
👉🏽 should we sell the investment property or keep it as supplementary income?
👉🏾 do you need a bucket strategy? how does it work, flaws and when would you set one up?
👉🏿 can you change super funds after age 75?
👉🏻 can you move personal assets like shares and managed funds into super?
👉 does money sitting in pension phase dwindle from fees or tax?
👉🏼 should I move money from accumulation into my TTR or pension phase?

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus
If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright
Glen James has a financial interest in Tallowwood Wealth Advice. This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
Hosted on Acast. See acast.com/privacy for more information.