Afleveringen
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A listener asks a simple question: if Dad withdraws his super and puts it into a term deposit, will it affect his Age Pension?
In this episode, Nathan and Jordan unpack why this is not as straightforward as it sounds. What starts as a pension question quickly opens up into a much bigger conversation around estate planning, death benefit tax, and the trade-offs of taking money out of the super system.
They explain who can receive superannuation on death, how tax applies to adult children, and why some families consider withdrawing funds to avoid future tax. But they also highlight the hidden costs, including losing the tax-free environment of super and potentially paying more tax during retirement.
The discussion also covers how Centrelink assesses super versus cash, and why the timing of when a pension was started can make a difference.
This episode is a practical guide to thinking through the bigger picture before making a decision that may be difficult to reverse.
Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
Nathan:
www.nathanfradley.com.au
Jordan:
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
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If you have started helping your parents with their finances and discovered old share certificates, registry paperwork, or investments scattered across different companies, this episode is for you.
Nathan and Jordan talk through why old shareholdings can become so stressful during major life changes like aged care, bereavement, retirement, or stepping in under power of attorney. They explain what issuer-sponsored shares are, why they can be difficult to manage, and how families can start bringing everything into one place.
In this episode, they cover:
Why old share investments can be hard to track down How share registries work The difference between issuer-sponsored shares and broker-sponsored holdings Why tidying things up early can make life much easier later Why records matter for tax and estate administrationVisit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
Nathan:
www.nathanfradley.com.au
Jordan:
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
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Zijn er afleveringen die ontbreken?
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If you inherit some money or a property, can you protect it from any future claim by a spouse if you seperate? It's a common concern, and a an area of Family Law full of confusion and in some cases misinformation.
In this episode Nathan is joined by Jemma McKenzie, Accredited Family Law Specialist and Partner at Forte Family Lawyers to clear up some of that noise and clarify what can or cannot be done.
Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.Jemma McKenzie
https://fortefamilylawyers.com.au/
Nathan:
www.nathanfradley.com.au
Jordan:
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
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In this weeks episode Nathan is joined by special guest Jemma McKenzie, Accredited Family Law Specialist and Partner at Forte Family Lawyers.
When someone is going through a seperation there is so much to consider, from their own routine, living situation, finances and sometimes safety - and it feels like life gets a lot more expensive all of a sudden; so when it comes to also paying for Legal advice and assistance, it's only natural to consider whether a lawyer is needed, especially in amicable situations.
Nathan and Jemma tackle that question in this weeks episode, discussing not only if, but when and why a Lawyer is helpful.
Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
Jemma McKenzie
https://fortefamilylawyers.com.au/
Nathan:
www.nathanfradley.com.au
Jordan:
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 or lawyer.
Jordan is an authorised representatives of PlanningSolo Licensing, AFS Licence 526143
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Some financial advisers only work with what are known as wholesale clients or sophisticated investors. But what does that actually mean and why does it matter?
In this episode, Nathan and Jordan explain the difference between retail and wholesale investors and why the distinction is so important when seeking financial advice. They unpack how people qualify, what protections can disappear once you are classified as a wholesale client, and why that trade off may not always be in your best interests.
They also explore why this conversation is becoming more common, the types of investments often associated with wholesale advice, and the risks that can come with pursuing opportunities outside the normal advice framework.
Most importantly, they discuss how to think about your full financial situation before giving up the consumer protections that come with retail financial advice.
Topics covered include:
• What a wholesale client or sophisticated investor is
• How the income and asset tests work
• The key protections retail clients receive
• Why some advisers only work with wholesale clients
• The risks of focusing on a single investment instead of your full financial picture
• How to decide whether this pathway is right for youVisit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
Nathan:
www.nathanfradley.com.au
Jordan:
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
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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:
www.nathanfradley.com.au
Jordan:
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
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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:
www.nathanfradley.com.au
Jordan:
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
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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:
www.nathanfradley.com.au
Jordan:
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
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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:
www.nathanfradley.com.au
Jordan:
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
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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:
www.nathanfradley.com.au
Jordan:
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.
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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:
www.nathanfradley.com.au
Jordan:
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.
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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:
www.nathanfradley.com.au
Jordan:
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.
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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:
www.nathanfradley.com.au
Jordan:
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.
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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:
www.nathanfradley.com.au
Jordan:
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.
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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:
www.nathanfradley.com.au
Jordan:
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.
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Granny flat agreements are about far more than buildings or money. They are about expectations, care, fairness and protecting family relationships.
In this episode, Nathan and Jordan unpack the key considerations families should discuss before entering a granny flat or co-living arrangement.
From personal care expectations and household costs to estate planning, divorce risks and dispute resolution, this conversation helps families think through what sits beneath the surface before formalising any agreement.
NOTE: Nathan's mic misbehaved so we apologise for his audio this week.
Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
Nathan:
www.nathanfradley.com.au
Jordan:
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.
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Receiving an inheritance can feel like a blessing and a burden at the same time. In this episode, Nathan and Jordan unpack how an inheritance affects the Age Pension, why it often triggers frustration and fear, and what practical options retirees can consider.
From Centrelink rules to spending confidence, lifestyle choices, and financial strategies, this episode provides a calm introduction to a complex and emotional topic.
Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
Nathan:
www.nathanfradley.com.au
Jordan:
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.
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What starts as a simple question about downsizing and an inheritance often hides something much bigger.
In this episode, we unpack a real client case where the surface questions were about selling a house and investing money, but the real issue was whether retirement could happen sooner than expected.
Through careful planning, timing and understanding the rules around downsizer contributions and super, this couple unlocked options they did not realise were available.
This episode shows how good advice is not just about numbers, but about listening for what is not being said.
Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
Nathan:
www.nathanfradley.com.au
Jordan:
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.
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Many parents are being asked to go guarantor so their adult children can buy a home.
In this episode, Nathan and Jordan unpack what being a guarantor actually involves, the risks most families overlook, and how it can quietly derail your retirement plans.
They talk through the emotional pressure parents feel, what can go wrong if things change, and the importance of having clear conversations and boundaries before signing anything.
This is a practical and honest discussion for anyone weighing up whether helping their child could put their own future at risk.
Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
Nathan:
www.nathanfradley.com.au
Jordan:
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.
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Christmas often brings emotional pressure, rising costs, and financial stress.
Nathan and Jordan talk through why Christmas spending feels overwhelming and share a simple strategy to take the pressure off next year.
From setting up a Christmas savings account to rethinking gift expectations and family traditions, this episode focuses on practical steps that help you feel more in control and enjoy the season without the financial hangover.
Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
Nathan:
www.nathanfradley.com.au
Jordan:
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.
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