Shows
Weaving Gold | A Money PodcastChristmas Club: Old Fashioned or Smart Money PlanningChristmas 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: advice@nathanfradley.com.au w...
2025-12-1512 min
Weaving Gold | A Money PodcastAged Care at Christmas: What Families Should Watch For and How to PrepareChristmas often brings families together for the first time in months, and it can also highlight changes in ageing parents that are easy to miss during the year. In this episode, Nathan and Jordan explore what to look for when you notice Mum or Dad might not be coping, how to approach sensitive family conversations, and how to plan Christmas when a parent is already in aged care. They cover practical signs of cognitive or physical decline, the emotional weight of the season, navigating family dynamics, deciding whether leaving the facility is appropriate, and how...
2025-12-1015 min
Weaving Gold | A Money PodcastIt's a Co-Parenting ChristmasChristmas can be magical for kids, but emotionally loaded for separated parents. In this episode, Nathan and Jordan explore how to create a peaceful, child-focused Christmas when co-parenting. They cover practical planning, communication, gift-giving expectations, managing extended family, handling school holiday logistics and navigating financial responsibilities. If this is your first Christmas post-separation or you are still finding your rhythm, this conversation offers clear, compassionate guidance to help you enjoy the season while keeping your children's needs at the centre. Visit www.weavinggoldpodcast.com for more episodes, bl...
2025-12-0816 min
Challenge the Standard in Financial AdviceS7E3 WeaknessesWeaknesses - we've all got 'em. But, what do we do about them? This week's episode sees Jordan and Nathan exploring the idea of weaknesses: What they are (and what they aren't) How to recognise them What to do about them How the weaknesses we all have can manifest in our work, our personal lives and our practices There's a smidge of vulnerability from the two of them, but hopefully you leave with a framework to tackle your own weaknesses - all with the goal of working towards your very best selves! ...
2025-12-041h 08
Weaving Gold | A Money Podcast052 Are Retirement Villages A Good Option for Downsizing?Many women approaching retirement wonder whether to stay in the family home or move into a retirement or lifestyle village. In this episode, Nathan and Jordan break down how these arrangements work, the fees involved, what to watch out for in contracts, and how to protect yourself from common pitfalls. They also explore the social, financial and wellbeing benefits when retirement villages are the right fit. If you have ageing parents or you're planning your own next stage, this episode will help you ask the right questions with confidence. Visit...
2025-12-0317 min
Weaving Gold | A Money Podcast051 Life Insurance And the Loss Of A Loved OneMost conversations about life insurance focus on taking out a policy, not on what happens when a payout actually arrives. In this episode, Nathan and Jordan walk through the real administrative steps, the emotional shock, the delays, and the decisions people face when they lose a partner and a claim begins. They explain why timing varies, what insurers check, how superannuation complicates payouts, why beneficiary nominations matter, and how to avoid rushed choices during grief. This is a grounded, practical guide for anyone wanting to understand what to expect and how to support...
2025-12-0116 min
Challenge the Standard in Financial AdviceS7E2 Can You Act? Divorce DilemmasTime for more dilemmas - this time, what do you do when a client (strongly) hints they want to end their marriage? How do you handle the disclosure? How do you advise them? What do you do about the partner? Throw in TPD, infidelity, a brief detour in ASIC's SMSF report and a healthy dose of uncertainty, and you've got this week's episode. In it, Jordan and Nathan: Propose frameworks to help you navigate this very thorny issue Thank the wonderful advisers who have posed these questions recently Congratulate all of you o...
2025-11-2758 min
Weaving Gold | A Money PodcastEmpty Nesting and Supporting Adult ChildrenIn this episode, Nathan and Jordan explore the emotional and financial crossroads many women face when their children move out. They unpack the guilt around reducing financial support, the shift toward prioritising retirement, and why scarcity becomes real the closer you get to finishing work. They discuss how to assess whether ongoing help for adult kids is sustainable, how to avoid unintentionally sacrificing your own future, and how a financial plan can clarify what's possible. They also explore downsizing, blended family pressures, and why putting yourself first is not selfish; it's necessary. Based...
2025-11-2617 min
Weaving Gold | A Money PodcastDo I Need Ongoing Financial Advice?Many people wonder whether they truly need ongoing financial advice or if a one-off plan will do? In this episode, Nathan and Jordan break down what ongoing advice really is, who benefits most, and why the relationship with your adviser matters just as much as the strategies. They discuss accountability, decision fatigue, changing life circumstances, and tailoring advice to your needs. A practical conversation for anyone questioning whether continued support is worth it Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan:...
2025-11-2418 min
Challenge the Standard in Financial AdviceS7E1 Why You Should Attend Conferences, with Glen JamesYou see the event announcement, and you think to yourself, "Flights, Accomodation, Time out of the business, Time away from your family... is this conference really worth it?" In this episode (recorded live in the vendor hall of the FAAA Congress 2025) Jordan and Nathan are joined by Glen James (Podcaster Extraordinaire, now Youtuber) to discuss How the gold Glen got from conferences helped set up Glens business for success Why your mind set, and 'leaning in' is the key to get the most out How is always something to be learned, but the key is...
2025-11-2042 min
Weaving Gold | A Money PodcastThe Best Investment, After A Major Life EventAfter years of caring for others, through divorce, separation, grief, a TPD claim, or supporting ageing parents, it is common to feel guilty for spending money or time on themselves. In this episode, Nathan and Jordan explore why investing in yourself isn't indulgent… it's necessary. We unpack the practical and emotional benefits of using a small portion of your settlement money or inheritance to rebuild your wellbeing. From personal coaching, psychology, and movement, to nutrition, styling, and confidence; these investments often create greater long-term life satisfaction than anything in your bank account.
2025-11-1918 min
Weaving Gold | A Money PodcastDo I Pay My Parents' Aged Care Fees?Caring for a parent entering aged care is emotional enough... and then the invoices arrive. In this episode, Nathan and Jordan unpack one of the most common questions families ask: Should I pay my parents' aged care fees? They explore: The guilt that often drives the question, What actually counts as "paying fees," the risks of lending money, How powers of attorney affect loan agreements, The impact on means-tested fees, and Why good intentions can sometimes create serious financial and estate problems. This is a must-listen for anyone supporting an ageing parent, navigating...
2025-11-1718 min
Weaving Gold | A Money Podcast046 Do I Need This Insurance?Most people buy personal insurance when life is busy; mortgages, kids, careers; but years later the renewal notice arrives and you wonder: Do I still need this? In this episode, Nathan and Jordan break down the four core types of personal insurance (Life, TPD, Trauma and Income Protection) and reframe the whole conversation away from products and premiums, and toward the events that actually change your life. They explore: • How to think about financial consequences of death, disability, critical illness or temporary loss of income • How to assess what you can "self-insure" vs. what...
2025-11-1221 min
Weaving Gold | A Money PodcastIs a Granny Flat Right For Us? An Introduction To Intergenerational Living ArrangementsGranny flats aren't just backyard builds; they're legal and financial arrangements that can impact your pension, your estate, and your families harmony. In this episode Nathan and Jordan Introduce the concept of Granny Flat rights, explaining what they are, and what theyre not Explain how Centrelink assesses the situations Emphasise the importance of a proper written agreements and professional advice, And explore the real questions families should consider before they embark on establishing Granny Flat rights. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch for advice. Nath...
2025-11-1024 min
Weaving Gold | A Money PodcastTestamentary Trusts: Protecting Family and Property with Lucy PercyWhen it comes to estate planning, few things are as misunderstood as property ownership and testamentary trusts. In this episode, Nathan and Jordan sit down with Estate Planning lawyer Lucy Percy, founder of Head and Heart Estate Planning, to unpack What a testamentary trust actually is, How property ownership (joint tenants vs tenants in common) affects your will, Why getting this wrong could mean losing half your home. If you've ever wondered whether a testamentary trust is worth the cost, or what really happens to your home when you pass; this episode will help you understand how...
2025-11-0519 min
Weaving Gold | A Money PodcastThe Budget During SeparationSeparation often means running two households on the same income, and that can get overwhelming fast. In this episode, Nathan and Jordan unpack how to manage your budget during separation, what the Family Court looks for in financial statements, and how to regain confidence and clarity around money after a relationship breakdown. They also discuss emotional pitfalls, fairness, and practical tools like the MoneySmart budget planner to make sense of your expenses. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@na...
2025-11-0317 min
Weaving Gold | A Money Podcast042 What to Know Before Updating Your Will - with Lucy PercyWhen should you update your will? What really makes a "good" one? In this episode, Nathan and Jordan sit down with estate planning lawyer Lucy Percy to unpack the triggers for reviewing your will, the role of an executor, and why DIY will kits can create costly headaches later. They also explore how to handle guilt, fairness, and blended family complexity after loss and why the right lawyer can make all the difference. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Luc...
2025-10-2919 min
Weaving Gold | A Money Podcast041 Can I afford this RAD? (Aged Care Case Study) When a loved one moves into aged care, one of the biggest questions families face is: Can we afford this room? In this episode, Nathan and Jordan unpack a real-life case study comparing two accommodation options: one at $450,000 and one at $700,000. They explore how to assess affordability, the impact of Centrelink and income changes, and why financial decisions in aged care aren't always just about money. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathan...
2025-10-2717 min
Challenge the Standard in Financial AdviceS6E17 ReferralsReferrals. We all need them. We all want them. And we're all, to some degree, getting them. But what works? Why does it work? And, critically, what doesn't work? In this week's episode, Nathan and Jordan have a shot at unpacking this huge and critical topic, to discuss: How advisers can easier find clients they like working with The two key problems all business owners face Why those of us who aren't charged with finding new work should take a moment to appreciate how difficult that job can be Their own (mis)a...
2025-10-231h 10
Weaving Gold | A Money PodcastIs my Super Fund a good Super Fund? Choosing the right super fund isn't about finding the "best" one, it's about finding the one that fits you. In this episode, Nathan and Jordan unpack what really matters when comparing funds: fees, access, customer service, ethical options, insurance, and how much control you actually want. Whether you're 30 or 60, this conversation helps you be more intentional about your super and confident in your decisions. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au
2025-10-2217 min
Weaving Gold | A Money PodcastWhy Everyone Needs an Enduring Power of AttorneyA will only matters after you're gone, but what happens if you lose capacity while you're still here? In this episode, Nathan and Jordan are joined by estate planning lawyer Lucy Percy from Head and Heart Estate Planning to unpack why an Enduring Power of Attorney (EPOA) might be the most important document you ever sign. They explore what happens if you don't have one, how long it can take to get legal authority after capacity is lost, and the hidden traps when financial institutions don't understand how to apply them. Visit www.we...
2025-10-2020 min
Challenge the Standard in Financial AdviceS6E16 ExpectationsWe're getting philosophical again this week, but unlike our other meanderings up our own backsides - this one has real value for listeners*. Nathan realised recently that our job as advisers comes down to one, big concept: expectations. Helping clients recognise, articulate, explore, challenge and achieve their expectations. This seed of an idea triggered a conversation that touches on: The gap between aspirations and expectations (and whether the value of our advice sits in there) The power of challenging a clients expectations What you can achieve by asking a client about their exp...
2025-10-161h 02
Weaving Gold | A Money PodcastDo You Really Need to Borrow More? This episode is all about the mindset and thought process you can take for any investment decisions, but especially when you're thinking of borrowing to invest. A listener in their late-30s/40s has a paid-off home, an investment property and ETFs' but still worries they're "missing out on the leverage property offers." Nathan and Jordan unpack feelings vs financial reality, why goals beat comparison, when leverage helps (and hurts), and a simple decision checklist: set the destination, model the "do nothing" path, test risk vs need, and be intentional. Boring, consistent moves often win....
2025-10-1617 min
Weaving Gold | A Money PodcastShould you downsize?Many people worry that they'll need to sell their home to afford retirement ; but is downsizing really the solution? In this episode, Nathan and Jordan unpack the emotional and financial sides of downsizing: from losing your "family hub" to freeing up time and money for a simpler life. They explore what makes downsizing successful, when it backfires, and why understanding your motivations is more important than the money alone. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au...
2025-10-1321 min
Challenge the Standard in Financial AdviceS6E15 First MeetingsWe can all agree that the first meeting is crucial. But - why? What are you looking for out of that meeting? What makes the first meeting a successful one? What's your intention for this meeting - and for the entire process around it? In this week's episode, Nathan and Jordan unpack what they think makes a good first appointment, what they've seen other advisers doing and what they've learned from talking with people like Brendan Frazier. With the now-customary digression into sceptical naivete and dissection of their own, internal processes, th...
2025-10-091h 06
Weaving Gold | A Money PodcastThe Family HomeWhen the last surviving parent moves into aged care, families face one of the hardest questions—what happens to the family home? Nathan and Jordan unpack the emotional, practical, and financial realities of this decision. From sibling tensions to Centrelink rules, property maintenance, and the two-year exemption window, this episode offers clear, compassionate guidance for families navigating one of life's toughest transitions. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au...
2025-10-0818 min
Weaving Gold | A Money Podcast035 When Big Super funds invest badly When headlines scream that your super fund just lost $300 million, it's easy to panic. In this episode, Nathan and Jordan unpack what really happened with the Australian Retirement Trust's investment write-off, why diversification matters, and how to tell if bad news in the markets actually affects your retirement. Learn how to read these stories calmly, and spot when fear is being used to sell you something. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au w...
2025-10-0617 min
Weaving Gold | A Money PodcastHow do I invest this money?"Where should I put this money?" It's one of the most common questions financial advisers get; but the answer isn't as simple as picking a fund or stock. In this episode, Nathan and Jordan unpack the real questions behind investing: What does your life look like in five years? What role does debt play? How do life stage and goals shape the right structure, whether that's paying down a mortgage, saving for a home, or topping up super? Before chasing investments, this episode shows why clarity on life and v...
2025-10-0217 min
Weaving Gold | A Money PodcastPassive Income: Shares, Property, or Something Else?A listener asks: "I'm 54 and want to use passive income to work fewer days—what's the best way? Shares, property, or dropshipping?" Nathan and Jordan unpack what passive income really is, using a simple model to explain the difference between shares, property, welfare, and business ownership. They explore why shares may be more passive than property, the reality of dropshipping, and how all of this ties back to superannuation, expenses, and retirement planning. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advi...
2025-09-3023 min
Challenge the Standard in Financial AdviceS6E13 Private AssetsWe've thought about doing an episode about private credit, equity and markets for a while now - but couldn't ever work out the right angle to take on such a big topic. Then the news cycle swooped in and gave us the link we never knew we needed - between private credit investments and Target Market Determinations (TMDs). This is a big topic, and Nathan and Jordan do their best to: Define just what all these private market investments are Acknowledge the tough path last week's news will have left for advisers who've recommended th...
2025-09-251h 02
Weaving Gold | A Money Podcast032 How to Spot a Good Financial Adviser (and Avoid a Bad One)Not all financial advisers are created equal, and sadly, some can cause real harm. In this episode, Nathan and Jordan unpack the warning signs of poor advice, from too-good-to-be-true promises about superannuation to advisers pushing one-size-fits-all products. They explain what a good adviser actually does, how to ask the right questions, and why the real value of advice goes beyond products. If you're thinking of getting advice, this conversation will help you feel confident in choosing wisely. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.
2025-09-2523 min
Weaving Gold | A Money PodcastChecking Aged Care Invoices Invoices in residential aged care are rarely "set and forget." Nathan and Jordan break down the line items you'll see, why errors happen, and how to fix them. We cover daily care fees, means-tested fees (now the non-clinical contribution from 1 November), additional services, hotel contributions, and common admin traps. You'll learn when to hold off on direct debit, how to notify Services Australia correctly, and practical steps to resolve mistakes fast. To inform services australia to conduct an assessment for someone entering care (as at 24/09/2025): If the...
2025-09-2419 min
Challenge the Standard in Financial AdviceS6E12 Roll for NicheYou've heard the experts (and these two mugs) repeatedly say "you should niche". But they never pay you the courtesy of explaining how. Well, let us rectify that oversight in this week's episode by giving you one, easy answer: "Roll a dice". Or, more accurately, a set of D&D dice. This week, Nathan and Jordan set up a number of different categories and roll the dice to build out and explore potential niches. Not to build a business around them, but instead to demonstrate some of th...
2025-09-181h 07
Weaving Gold | A Money PodcastWhat the Deeming Rate Changes Mean for Your PensionFrom 20 September, Centrelink's deeming rates are increasing for the first time since 2019. If you're on the Age Pension, Disability Support Pension, or paying aged care fees, you may be wondering: what does this really mean for me? Nathan and Jordan unpack what deeming is, how the changes work, who it will actually affect, and why the headlines often sound scarier than the reality. The Income Test: Income test for Age Pension - Age Pension - Services Australia Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in to...
2025-09-1612 min
Weaving Gold | A Money Podcast028 Capital Gains in SeparationIn this episode, Nathan and Jordan explore how to consider capital gains tax as part of an amicable separation, where both parties want a fair and low-stress outcome. Using a listener's real-life question, they discuss property settlements, splitting superannuation, and the practical steps for building new lives while keeping things civil for the sake of kids, family, and friends. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@pla...
2025-09-1512 min
Weaving Gold | A Money PodcastIs an annuity for me?Annuities are making a comeback, and with super funds soon required to offer them, many retirees are asking if they should be part of their plan. In this episode, Nathan and Jordan break down what annuities are, how they compare to account-based pensions, and why Centrelink concessions can make them attractive. They also explore the trade-offs: security versus flexibility, estate planning implications, and whether annuities might fit into your retirement income strategy. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: ...
2025-09-1117 min
Weaving Gold | A Money Podcast026 Family Trusts in Relationships (and Separation)Family trusts can feel like a maze, especially during separation or divorce. In this episode, Nathan and Jordan unpack why family trusts exist, what it means when you're asked to sign trust documents, and the risks of doing so blindly. They explain the real purposes of trusts, like asset protection and tax minimisation; while highlighting the confusion and vulnerability many people feel. Whether you're navigating divorce or simply curious, this episode will help you approach trusts with clarity and confidence. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. ...
2025-09-0915 min
Weaving Gold | A Money Podcast025 Putting Parents Into Aged Care: Balancing Safety, Agency, and Family BurdenWhen a parent's health declines but they refuse aged care, families face an emotional and practical dilemma. In this episode, Nathan and Jordan explore how to balance safety with respecting your parent's independence, the toll it takes on family members, and practical steps you can take to ease the situation. From assessments and home safety tweaks to documentation and family meetings, we share insights to help you navigate one of the hardest conversations you'll ever face. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan:
2025-09-0319 min
Weaving Gold | A Money Podcast024 When is a Couple a Couple? Part 2: Aged CareIn this follow-up to Part 1, Nathan and Jordan dive deeper into Anne's complex question about separation, super, and aged care. They unpack how Centrelink assesses whether someone is considered a spouse, the five key factors that determine separation, and how aged care rules—like the "protected person" definition—can drastically affect assessments. They also explore what happens when power of attorney and defined benefit pensions collide. A real-world look at the messy, interlinked nature of retirement, aged care, and estate planning. While Nathan and Jordan try to shy away from Jargon, ther...
2025-08-2826 min
Weaving Gold | A Money PodcastWhen is a Couple a Couple? Part 1: SuperIn this listener question episode, Nathan and Jordan unpack a complex scenario: a long marriage, an amicable separation under one roof, and a defined benefit pension. What happens if one partner passes away? How do reversionary pensions work, and what actually counts as a "spouse" under superannuation law? They explore the grey areas, the role of trustees, and why there's rarely black-and-white certainty when family law and superannuation collide. This one gets a bit wordy! Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au...
2025-08-2717 min
Challenge the Standard in Financial AdviceS6E8 The Power of Peers with Charmaine HallThis week's episode is all about the immense difference a network of peers can have on your career, practice and life. Joined by Charmaine Hall of Unbound Financial, Nathan and Jordan find out: How the peer network Charmaine's part of came to be The pros (and cons) of facilitating, and participating in, a peer group What good practice as a participant looks like A cracking example on the immediate impact advice from peers can have on your business Later in the episode, Jordan expands on his experience with a Practice Group in his time in B...
2025-08-2258 min
Weaving Gold | A Money PodcastYour SMSF ResponsibilitiesHave you got a Self-Managed Super fund, but don't fully understand the rules? Self-Managed Super Funds can give you more control; but they also come with serious responsibilities. In this episode, Nathan and Jordan unpack what it really means to be a trustee. From the duty to act with honesty and diligence, to the sole purpose test, to record-keeping and audits, they explain the key obligations and common mistakes that catch people out. If you've got an SMSF, or are thinking about starting one, this episode is essential listening. You can al...
2025-08-2126 min
Challenge the Standard in Financial AdviceS6E7 Ethical Dilemmas in PricingWhether it's sheer coincidence or not, Nathan and Jordan have happened to have a few...interesting pricing cases float their way since last week's episode on Pricing. So in this one, they take the time to examine two examples of pricing in the market. Anonymised, but detailed enough to provide lots of meaty discussion, including: How much is too much to charge for financial advice? Who are we to have an opinion about what other advisers are charging? Are our own biases colouring how we see things? What responsibility do individual advisers have to bear the c...
2025-08-141h 04
Weaving Gold | A Money PodcastBuying a Car? Cash, Loan or Novated Lease?Fresh from a divorce settlement and thinking about a new car? Nathan and Jordan unpack the financial and emotional factors to consider when answering a question from a listener, from the independence a new car can bring to the real cost of loans and novated leases. They explore opportunity cost, budgeting, dealership traps, and how to decide what's right for your situation. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au ...
2025-08-1224 min
Weaving Gold | A Money Podcast020 Can We Use Super to Pay Off the Mortgage (and Still Get the Pension) When can you access your super, and how does that interact with the age pension? In this episode, Nathan and Jordan respond to a listener question about using super to pay off a mortgage and the impact on pension eligibility. They clarify the difference between accessing super and qualifying for Centrelink payments, explain conditions of release, and break down the asset and income tests. A practical conversation on how retirement decisions are shaped by both rules and lifestyle goals. Nathan: advice@nathanfradley.com.au ...
2025-08-0712 min
Weaving Gold | A Money Podcast019 When to Involve a Financial Adviser in Your DivorceIn this episode of Weaving Gold, Nathan and Jordan walk through the real stages of separation—before, during, and after—and explain exactly how a financial adviser can support women at each point. From those first confidential calls ("Can I even do this?") through to preparing for mediation and rebuilding life after settlement, they outline the practical and emotional role advice can play. This episode is for anyone feeling unsure, overwhelmed, or stuck in financial ambiguity during separation—and for those supporting them. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au...
2025-08-0526 min
Challenge the Standard in Financial AdviceS6E5 Real Intergenerational Advice with Robert RichThis week's episode is all about the conversations advisers are having - or should be having - with their clients about their truly long-term questions. Robert Rich of Unite Wealth joins Nathan and Jordan to discuss: The challenges he's found in exploring client views on inheritance, bequests, wealth and support for their kids The way he's structured his process to draw out a person's real financial priorities and values The impact his background in marketing has had on the (rapid) growth of his business, Unite Wealth. A favourite part comes at the end when he di...
2025-08-011h 03
Weaving Gold | A Money Podcast018 The Home Care Rules Are ChangingThe shift to residential care is often seen as a loss—but new reforms aim to make staying at home not only possible, but practical and empowering. In this episode, Nathan and Jordan unpack the upcoming Support at Home changes coming this November. They explore how care will be delivered, what services will be available, and how funding will work across clinical, independence, and daily living supports. This is the biggest shift in home care we've seen—and families need to be prepared. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au
2025-07-3122 min
Weaving Gold | A Money PodcastReviewing your Super fundEvery July, your feed fills with super funds boasting about last year's returns. But what do those numbers really mean—and should you switch funds based on them? In this episode, Nathan and Jordan unpack what super fund performance figures leave out, how to tell if your fund is actually performing well, and how to spot misleading marketing tactics. Plus, they explore risk levels, fund labels, and how to avoid scams targeting your super. A must-listen before making any big decisions. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan:...
2025-07-2919 min
Challenge the Standard in Financial AdviceS6E4 Client Philosophy 101This one gets weird... Or, more professionally, it gets introspective. Philosophical. Meandering. Circuitous. Solipsistic. Navel-gazing. Because this week, Nathan and Jordan are exploring the most arcane topic they've yet covered on Australia's Nichest Podcast: When does a client become a client - and when do they stop being a client? Because while we all 'know' what a client is, did you know it's not defined in any of the legislative or regulatory material we carry around on our shoulders, Atlas-like? And so we explore this topic - from the to...
2025-07-241h 00
Weaving Gold | A Money PodcastThe Aged Care Rules Are Changing Pt 1Big changes are coming to residential aged care in Australia from November 1st, 2024—and for many families, that means paying more. In this episode, Nathan walks Jordan through the updated fee structure, including the introduction of the hoteling contribution, RAD retention, and a complete overhaul of the means-tested care fee (now called the non-clinical care contribution). They break down how the new rules will affect middle-class Australians in particular, what remains grandfathered for those already in care, and why the timing of entry into care could have significant financial consequences. If you've got a parent or...
2025-07-2223 min
Challenge the Standard in Financial AdviceS6E2 Aged Care ChangesThis week's episode is all about the upcoming changes to the Aged Care rules. Nathan's good enough to take an oddly political Jordan through the changes this week, covering: The expansion of the options in the Home Care arena from 4 to 8+2. The value and impact the new 'End of Life' package is going to offer people who want to spend their last days in their home. The changes to the fees - upfront and ongoing - for residential aged care. How the new-but-not-new hotelling fee is adding to the overall cost. Why these changes mean the middle class is...
2025-07-1059 min
Challenge the Standard in Financial AdviceS5E8 Ongoing Advice - Coaching with Michael BackThis week, we conclude our Ongoing Advice series with the one, the only Michael Back. Renowned by advice firms that know what's what, Michael has long helped advice practices take their client experience to the next level. So we've asked him to come on to help us explore the CX part of Ongoing Advice, with a very particular focus on the value of all the coaching advisers do for their clients. What is coaching, how does our version differ from the one you might have in mind, and why are we all so hung...
2025-06-271h 18
Weaving Gold | A Money PodcastPainting Your Ideal RetirementWhen people imagine retirement, they often picture beaches, golf courses, or caravanning adventures. But once the novelty wears off, many retirees face a quieter question: Now what? In this episode, Nathan and Jordan talk about the reality of retirement beyond the finances—how it affects your sense of self, your relationships, and how you spend your days. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is ge...
2025-06-2620 min
Weaving Gold | A Money Podcast014 Being a Power of AttorneyBeing appointed as someone's Power of Attorney can feel like an honour—but it's also one of the most legally and emotionally complex roles you can take on. In this episode, Nathan and Jordan dive into what it really means to manage another person's finances, especially when that person is vulnerable or in care. They unpack the tricky balance between honouring someone's wishes, acting in their best interests, and avoiding conflicts of interest. With real-world examples, including the emotional toll of family care, they highlight the grey areas where good intentions can land people in ho...
2025-06-2419 min
Weaving Gold | A Money PodcastUnderstanding Divorce in AustraliaDivorce isn't a single step—it's a process with emotional, legal, and financial components. In this episode, Nathan and Jordan unpack the Australian divorce process, from the administrative end of a marriage to the tricky world of dividing property and co-parenting. They explore DIY agreements, mediation, collaborative divorce, and litigation, highlighting where financial advice fits in along the way. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this...
2025-06-2326 min
Challenge the Standard in Financial AdviceS5E7 Ongoing Advice - Designing the ReviewContinuing the Ongoing Advice series, this week Nathan and Jordan dive into the mechanics of delivering ongoing advice. Specifically - designing the review meeting/s (don't let it be said this podcast goes too wide with its topics...). They talk about how their own view has evolved through the series, and examine the different ways you could structure your time in the review. Start by asking lots of questions: How many meetings? Will the meeting be a data gathering one, an engagement one, or a proposal/signing one? Will you have advice and info p...
2025-06-191h 02
Weaving Gold | A Money Podcast012 Helping Your Kids Without Hurting Your RetirementSupporting your adult children financially can feel like the right thing to do—especially when the world feels harder for them than it was for you. But how do you help without sacrificing your own security, peace of mind, or retirement plans? In this episode, Nathan and Jordan dive into one of the most emotionally loaded topics they encounter in client conversations: helping the kids. They explore the important questions many people skip over—Should you help? Can you afford to? How do you do it fairly and safely?—and guide you through the planning and communication needed...
2025-06-1722 min
Challenge the Standard in Financial AdviceS5E6 Ongoing Advice - Ethical DilemmasContinuing our Ongoing Advice series, this week Nathan and Jordan unpack some of the various ethical dilemmas that advisers can face while maintaining a long-term relationship with clients. And we're talking about the real dilemmas, not the no-brainer ones. Things like: For new clients, how do you judge if they even need ongoing advice? If your business has the position that all clients need to become ongoing clients, how do you resolve that when you feel like some clients might not need it? How do you build offramps to help clients off the ongoing advice track? Pr...
2025-06-1257 min
Weaving Gold | A Money Podcast011 What's included in your willWhen most people think about estate planning, they think about the will. But the truth is, your will might not control as much as you think — especially if you're in a blended family, second relationship, or own assets jointly. In this episode, Nathan and Jordan unpack the most common traps they see when clients assume their will handles everything. They explore key issues like the difference between joint tenants and tenants in common, the implications for your family home, and how to protect a surviving partner while still honouring your wishes to children from previous relationships.
2025-06-1217 min
Weaving Gold | A Money Podcast010 Aged Care for Low MeansWhat happens when your mum or dad needs residential aged care—but they don't own a home or have any savings? It's a situation that many Australian families face, and it can feel overwhelming. In this episode of Weaving Gold, Nathan Fradley and Jordan Vaka unpack how the aged care system supports people with limited means and what you need to know to make sure your parent gets the care they deserve—without financial panic. We start with a common question: Can Mum afford care when she's got no assets? Nathan explains how the Australian aged care fram...
2025-06-1218 min
Challenge the Standard in Financial AdviceS5E5 Ongoing Advice - Providing Value with Thabojan RasiahA key question for Nathan and Jordan as they explore this series on Ongoing Advice is whether or not it's different to 'upfront' advice. This week's guest, Thabojan Rasiah of Rasiah Private Wealth Management, firmly believes that it's not. That it's all 'advice', and that the real value of working with a financial adviser comes from the exponential benefits of a longer term relationship. Thabojan thinks about advice differently, which is why when he discusses things like: The difference between a 'financial plan' and 'financial planning' The quarterly cadence of the work the...
2025-06-051h 14
Weaving Gold | A Money PodcastThe Four Dimensions of WealthIn this episode of Weaving Gold, Nathan Fradley and Jordan Vaka explore a powerful framework for thinking about money—not just as numbers in a bank account, but as resources flowing through four distinct dimensions of life. Whether you're running a business, supporting adult children, planning for retirement, or feeling the pull to give back, this conversation introduces the idea of seeing your wealth through four "buckets": Personal wealth – your income, savings, superannuation, and financial safety net. Business wealth – the money inside your business or practice, which may be tightly linked to your identi...
2025-06-0519 min
Weaving Gold | A Money Podcast008 The Percentage Split in DivorceIn this episode, Nathan Fradley and Jordan discuss the complexities of asset division during divorce, emphasizing the importance of understanding the negotiation process, maintaining empathy, and focusing on individual needs rather than strict percentages. They explore how to approach asset division thoughtfully, considering both financial and emotional aspects, and provide practical advice for navigating this challenging time. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information con...
2025-06-0322 min
Weaving Gold | A Money Podcast007 How To Navigate Parents Moving InIn this episode, Nathan Fradley and Jordan discuss the complexities of having parents move in with their adult children. They explore the emotional and financial implications, the potential for conflicts of interest, and the importance of clear communication and agreements. The conversation also covers granny flat arrangements, the necessity of professional guidance, and how to navigate family dynamics effectively. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au Th...
2025-05-2923 min
Weaving Gold | A Money PodcastReduce Capital Gains on your Property using SuperIn this episode, Nathan Fradley and Jordan discuss the complexities of capital gains tax, particularly in relation to property sales and how individuals can strategically reduce their tax liabilities through superannuation contributions. They explore the differences between concessional and non-concessional contributions, the importance of understanding tax implications, and the potential risks associated with super contributions. The conversation emphasizes the need for tailored financial strategies and the value of seeking professional advice. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.c...
2025-05-2316 min
Challenge the Standard in Financial AdviceS5E2 Ongoing Advice Series - Legislation & RegulationsStarting off a new series with an episode dedicated to reviewing legislation and regulations might, for any other podcast, be pretty dull. But that's exactly what Jordan and Nathan take on this week - what the actual legislative and regulatory background is when it comes to Ongoing Advice. From INFO256 to INFO286, pre-FoFA, Corps Act and the documentary requirements of a compliant Ongoing Advice Agreement, we get right into the weeds. Partly because this is new to us, partly out of curiousity - but largely to try and answer the question of whether Ong...
2025-05-1658 min
Weaving Gold | A Money Podcast002 The Light at the End of Tunnel of DivorceIn this episode, Nathan Fradley and Jordan Vaka discuss the emotional and practical aspects of navigating life after separation or divorce. They emphasize the importance of understanding the grief process, making strategic decisions, and the role of professionals in guiding individuals through this challenging time. The conversation highlights the significance of visualizing life after separation, empowering oneself with knowledge, and maintaining focus on personal values and goals. The hosts provide insights on how to manage emotions and expectations while looking ahead to a brighter future. 00:00 Navigating the Tunnel of Separation 03:07 Understanding the Grief Process 06:07 Making Strategic D...
2025-05-1526 min
Weaving Gold | A Money Podcast000 Welcome to the PodcastAn short introductory episode, where our hosts Nathan and Jordan take you through what you can expect from this podcast, and why they wanted to make it. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au 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 fro...
2025-05-1504 min
Challenge the Standard in Financial AdviceS5E1 Intro to Our Ongoing Advice SeriesAfter the success of our series on the ins and outs of the PY, Nathan and Jordan have decided to launch another series focused on a very specific, very important part of financial advice - Ongoing Advice. In this week's episode, they walk through their plans for the series, as well as where they're coming from as they embark down this path. They agree on a few big points: Ongoing assistance of clients is hugely valuable. Defining what you want to achieve with ongoing advice is crucial. Ongoing service can lead to significant positive im...
2025-05-0856 min
Weaving Gold | A Money Podcast001 Managing Money, TogetherIn this episode of Weaving Gold, Nathan Fradley and Jordan Vaka discuss the importance of financial communication in relationships. They explore how understanding each partner's money mindset and division of labour can prevent conflicts and promote harmony. The hosts emphasize the need for couples to be aware of their financial situation, set goals together, and navigate difficult conversations with empathy and intentionality. They provide actionable steps for couples to take towards achieving financial harmony and highlight the significance of being proactive in financial discussions. Chapters 00:00 Introduction to Weaving Gold 00:59 The I...
2025-05-0626 min
Challenge the Standard in Financial AdviceS4E19 Discussing Big Issues with Sarah AboodIn this week's episode, Nathan and Jordan speak with Sarah Abood, CEO of the FAAA. Sarah and her team have been in the front lines for all of the big fights affecting advice in recent years, from: The outrageous debacle that is CSLR The quicksand that's been the QAR > DBFO stream The ballooning costs of providing advice And the myriad of other issues affecting members of the peak body for advisers. In this conversation, Sarah's good enough to entertain our questions, thought bubbles and general rantiness, to help explain what the FAAA is finding in th...
2025-04-171h 07
Challenge the Standard in Financial AdviceS4E14 The Review SoA DilemmaIt's an ethical dilemma all advisers have faced - should you charge ongoing clients for new SoAs? And if you should, then how do you do it? Or, if you think you shouldn't - why not? This week's episode sees Jordan and Nathan explore this potentially thorny topic, but with the clear goal of unpacking why this is something that makes so many of us feel so uncomfortable. Is it because, as Nathan puts it, the SoA 'is an us problem, it's not a client problem', so we're uncomfortable passing on th...
2025-03-131h 01
Challenge the Standard in Financial AdviceS4E13 CybersecurityThis week's episode is a unique one - informative and terrifying. Well, terrifying if you're as nervous about a cyber breach as Jordan is. Our guest this week, the unflappable Fraser Jack, joins Nathan in more calmly exploring the importance of cybersecurity for professional service firms. Fraser takes us through: Their approach, which involves starting with the Big Picture and rolling from there to eventually the tech solutions (instead of the other, arguably more common but less effective) direction. Case studies, including how losing a laptop cost a group $100,000, or how a succession of ve...
2025-03-061h 11
Challenge the Standard in Financial AdviceS4E12 Adviser ActivityIn a worryingly slow turnaround time, this week's episode is a full 7 days after Nathan wrote, published and shared our survey around The Activity of the Average Adviser. We're disappointed at taking nearly half as long as your average insurance amendment quote, so would like to apologise to our listeners. Even so, hopefully you enjoy our examination of the first dataset provided by our generous listeners (in seriousness - having 42 people take the time to share their thoughts on this is incredibly lovely, so thank you). In this episode, Nathan and Jordan unpack the...
2025-02-271h 03
Challenge the Standard in Financial AdviceS4E11 Tech StackIt's fun, shiny and exciting - but is chasing the newest part of your tech stack really going to help you with your business? In this week's episode, Nathan and Jordan unpack the role of the tech stack you use in your practice. They discuss: What's the best approach to searching out new tech? What are some of the pitfalls to avoid? Will new tech solve all your problems, like the sales pitch says? They run through a few of the systems they're using, but also flag where they're coming up short and w...
2025-02-201h 00
Challenge the Standard in Financial AdviceS4E10 Connecting & ReferringEvery successful (throwback to last week) advisory practice will have found a way to bring more referrals into the business. But, in this weeks episode, Jordan and Nathan explore some of the other parts of the referral equation. For instance: Is there such a thing as a 'bad' referral? How can you increase the chances of a referral contributing to the business you're trying to build (instead of making it harder)? How important is it to have solutions for referrals out of your business? Be it to other advisers who might be a better fit...
2025-02-1344 min
Challenge the Standard in Financial AdviceS4E9 Defining SuccessWhat makes a 'successful' financial adviser? Do you feel like a successful financial adviser? If not, why not? This week's episode is all about answering these questions (and a few more). Jordan and Nathan highlight: The importance of defining your own version of success Why articulating and sharing that with the people around you matters The metrics that you could measure to track this version of success And there are some pretty vulnerable moments along the way, where they each unpack their own path towards defining, pursuing and - maybe, sorta...
2025-02-0656 min
Challenge the Standard in Financial AdviceS4E8 Preferred ProductsAs an Australian financial adviser, you've heard of your Approved Product List, or APL. But do you have a Preferred Product List, or PPL (we're making it a thing). Of course you have the product you prefer, but how robust is the methodology you've used to build that out? Is it aligned with your ideal client, the space you work in, your investment philosophy, business priorities and beliefs? In this week's episode, Nathan and Jordan piggyback off their recent work in reviewing their own PPLs to talk about them in more deta...
2025-01-3049 min
Challenge the Standard in Financial AdviceS4E7 Ethical InvestingHow do you approach the ethical investing conversation with your clients? Open discussion? Advocate for the option? Or just avoid it and hope they don't ask? (Don't feel bad if this is you - you might be in the majority). In this week's episode, Nathan and Jordan explore this very big, somewhat intimidating topic. And, as always, the aim is to explore it from the perspective from the adviser's chair. What are the practical elements you need to cover? What are the questions you need to ask - a...
2025-01-2354 min
Challenge the Standard in Financial AdviceS4E6 Granny Flat RightsAfter last week's digression down rant-y alley, this week we explore the more interesting, technically fascinating topic of Granny Flat Rights. What they are, why they matter, how financial advisers can help and the (many, many) traps to avoid as you're helping clients navigate this complex space. This is one of the more techincally complex topics Nathan and Jordan explore, but their repeated attacks on Grandpa Joe from Charlie and The Chocolate Factory, as well as their elaborate family tree they create for their fake clients, hopefully makes it all seem a lot more practicaly. ...
2025-01-161h 07
Challenge the Standard in Financial AdviceS4E5 Licensing (50th Episode!)So, somehow, we've hit 50 episodes! And to celebrate, Nathan's allowed Jordan to climb up on his soapbox and wax lyrical about his favourite subject in advice - Licensing. While he insisted on keeping it relatively constructive and useful, Jordan still manages to provide his, uh, unvarnished thoughts on the merits of the current system. Nathan's patience shines through towards the end of the episode too, when Jordan kicks on a straight-to-camera diatribe that turns the air blue (and his face puce). A big thank you to everyone who's listened to any of our ran...
2025-01-141h 02
Challenge the Standard in Financial AdviceS4E4 MarketingBuilding an outstanding financial planning practice boils down to two, simple (but not easy) ideas - finding new people to work with, and making the process of working together efficient, effective and excellent. Jordan and Nathan have discussed the second part of that equation - now it's for the first part: finding new people to work with. In this week's episode, they talk about the importance of knowing your desired audience, defining who you're going to help and finding the right approach and channel for you and the business you want to build.
2025-01-0258 min
Challenge the Standard in Financial AdviceS4E2 Onboarding ProcessHow do you feel about the process you follow when you're bringing on clients? Are you one of those unicorns we hear about that has every, single element nailed down so the whole thing is tight as a drum? Or are you like the rest of us - it's fine. I mean, it could be better, but it could be worse. Right? Right...? Well, in this week's episode, Nathan and Jordan unpack the steps they follow when they start workign with a client. The good, the bad and the ug...
2024-12-191h 00
Challenge the Standard in Financial AdviceS3E6 The PY Series Wrap UpFollowing what was a steep learning curve for both of our hosts, in this episode Jordan and Nathan reflect on each episode and wrap up their thoughts on best practice for PY. They cover The importance of communication and structure for a PY. The cost/investment in the PY for a business Staging PYs for greater skill and advice capability in your business How they would roll out a PY Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.pl...
2024-11-2840 min
Challenge the Standard in Financial AdviceS3E5 Letters to the EditorAs part of preparing for this PY series, Nathan and Jordan put together a survey and asked people to provide some feedback on their experience of the PY. Employees. Business owners. Partners. Associates. Anybody with an opinion on the subject. In an outcome both surprising and gratifying for Nathan and Jordan, people actually responded! And their answers are thoughtful, useful, insightful and, frankly, wonderful. In this week's episode, Jordan and Nathan discuss the responses and identify some of the common themes people are finding through the experience. They also spend...
2024-11-2141 min
Challenge the Standard in Financial AdviceS3E4 PY Insights with Danielle WaughThis week, Jordan and Nathan speak with Danielle Waugh - Advice Education Manager from TAL's Risk Academy - about: TAL's commitment and contribution to the PY process Insights she's found from working with multiple practices, across multiple licensees Why some of the terminology can be a little bit misleading This is a really interesting discussion because Danielle does a great job in providing a macro, functional view of the on-the-ground reality of the PY across the profession. Additional Information: TAL's PY Manager and Support Info Nath...
2024-11-2148 min
Challenge the Standard in Financial AdviceS3E3 The Next Generation of Adviser with Alisdair BarrThis episode of our Professional Year 'mini-series' is all about that pathway from university to the world of advice - and where the PY piece fits into that entire puzzle. Nathan and Jordan are joined by Alisdair Barr of Striver, a key player in the recruitment, training and retention of new talent in advice. Alisdair takes us through: Their ambitious goal of helping find the next 5,000 advisers over the next 10 years The absolutely critical role academics play in showing students the joy, satisfaction and meaning that can come from a career in financial advice (and...
2024-11-0753 min
Challenge the Standard in Financial AdviceS3E2 A PY Structure with Phil ThompsonIn this week's episode, Jordan and Nathan are continuing their exploration of the Professional Year. They're joined by Phil Thompson from Skye Wealth this week, who with his characteristic openness and generosity, shares the structure they've built to help people grow through the PY. Phil explains: The structure they've built to bring on, develop and grow people through the process. Why they don't rush into putting someone into the PY. Why the legacy impact of what he's doing doesn't really concern him. How the investment they've made in growth and leadership across the business h...
2024-10-311h 03
Challenge the Standard in Financial AdviceS3E1 Intro to Our PY SeriesSo, what's the deal with this professional year thing? How's it work, why do we have it, what's wrong with it - what's right with it? In this week's quick episode, Jordan and Nathan introduce the framework for their upcoming series on the Professional Year (PY). Specifically, why they're doing this. Why bother dedicating multiple episodes to something that - at this stage at least - has no bearing on their own businesses? The simple answer is - to address some of the pockets of ambiguity still undermining the entire process. So we're int...
2024-10-2442 min
Challenge the Standard in Financial AdviceS2E20 The Three Tier ProblemFinancial advisers were up in arms a few months ago, at the introduction of a new 'lite' version of financial adviser being introduced to the market. These 'Qualified Advisers' wouldn't have the obligations of fully fledged advisers, and clients would be vulnerable to the same harms we've all spent years trying to eliminate. Yet - there's already another tier of 'adviser' in the market who have it relatively easy, compared to the onerous burdens on us Relevant Providers. Which is why in this week's episode, Nathan and Jordan explore, dance around and prod the...
2024-10-1758 min
Challenge the Standard in Financial AdviceS2E19 Conscious Performance with Vanessa BennettThis week's episode sees Vanessa Bennett, from Next Evolution Performance join Jordan and Nathan which, given how often her work has been referenced on this podcast, is timely! In this episode, Vanessa discusses: The corrosive impact ambiguity can have in the workplace. How an awareness of neuroscience can empower leaders to build the best environment for their team. Why multi-tasking is a myth - and gives a name to something we're all guilty of (Constant Partial Attention...yikes!) Why recognising the fundamental nature of humanity - and working with it, instead of against it - makes for...
2024-10-101h 05
Challenge the Standard in Financial AdviceS2E18 Insurance Needs AnalysisWorking out how much life, TPD, trauma and income protection insurance someone needs used to be a key part of a financial adviser's training. But with the decline of insurance, Nathan and Jordan thought it might be worth revisiting this crucial, but often controversial topic. They discuss: how they each come up with their insurance coverage recommendations how falling in love with an overly complicated calculator can lead to all sorts of headaches the fundamental nobility that exists in persuading people to hold an appropriate level of insurance And the key point they explore is...
2024-10-0457 min
Challenge the Standard in Financial AdviceS2E17 M & A with Steve PrendevilleThere are two incredibly significant days in the life of any business owner - the day they buy it, and the day they sell it. Which is why Nathan and Jordan have invited Steve Prendeville of Forte Asset Solutions on to the pod this week. Steve's been a key part of the M & A landscape for financial advisers for long enough to give clear insights on: the multiples in the market - how much, and what they're based on the CRITICAL importance of cultural fit between buyer and seller who's driving activity across the m...
2024-09-1953 min
Challenge the Standard in Financial AdviceS2E15 Retirement VillagesThis week's episode sees independent financial advisers Nathan Fradley and Jordan Vaka unpacking another very niche, very specific topic for their fellow financial advisers - retirement villages. Not Aged Care facilities, which are different again. But rather the over 55s, 'lifestyle', retirement villages becoming more and more popular with our on-the-cusp-of-retiring clients. They unpack: the drivers behind this increase in popularity some definitions and distinctions the tips and traps financial advisers should be aware of when speaking with clients and, yet again, the opportunity this kind of advice affords advisers to get ou...
2024-09-1246 min
Challenge the Standard in Financial AdviceS2E5 Professional YearIn this week's episode, Jordan and Nathan discuss the Professional Year. We're a few years into this addition to our profession, so they discuss it from a few different perspectives: How it compares to how other professions tackle the idea of on-the-job experience. the opportunities it offers new advisers, employers and the profession as a whole. some views on it from an employer's perspective. The tension between academic knowledge, on-the-job experience and the qualitative/quantitative aspects of our work. Be warned - Jordan seemed in a particularly negative mood, so there's some mild ranting. Fuelled, it...
2024-05-3150 min
Challenge the Standard in Financial AdviceS2E1 Practical Efficiency with Sacha BurchgartThis weeks episode has Nathan and Jordan talking with the inaugural FAAA Adviser of the Year - Sacha Burchgart. Jordan manages to absolutely mangle the intro - rolling through all sorts of mistakes - before leaving it up to Sacha and Nathan to save the episode. In doing so, they discuss: The efficiencies Sacha has found by rolling out a practical tech stack. The critical importance of staff buy-in to the plans of the practice owner. How empowering staff helps make things 10x better. How Sacha has structured her business to reflect her plans. How wi...
2024-05-0256 min
Challenge the Standard in Financial AdviceS1E18 (Relevant) Risk ProfilingIn this episode, Nathan and Jordan tackle the (at-times controversial) risk profile questionnaire. Where does it come from? How relevant is the old tick-box questionnaire in a modern advisory practice? How can it protect clients, and advisers? And how can advisers take what's often been viewed as a perfunctory exercise in nothingness and make it useful, valuable and interesting for the clients they serve? As always, Nathan can be reached via advice@nathanfradley.com.au, and Jordan via jordan@planningsolo.com.au. They're also both very fond o...
2024-04-0446 min
Challenge the Standard in Financial AdviceS1E16 DivorceDivorce is one of life's most tumultuous transitions. So the more assistance and guidance you can get as you navigate that path, the better. But, as Jordan and Nathan explore in this episode, it can be hard to work out where financial advice can fit in the picture. After several years focusing in the area, they discuss: The three phases of the divorce process The differences between a divorce and a property settlement Recognising where we fit in the advisory hierarchy (hint: it's not at the top) The various ways great financial advice can h...
2024-03-2153 min
Challenge the Standard in Financial AdviceS1E12 NichingIn this episode Nathan forgets to use his actual microphone so his episode sounds like he is recording from another room. Despite this, this is a great ep where Nathan and Jordan tackle the topic of niching in financial advice, in preparation for an upcoming series of episodes with various planners who found or chose their niche and became more successful because of it. Jordan and Nathan both describe how they found their niche; for Jordan, it was an active decion to choose his demographic, for Nathan his clients chose him. Despite the different path, t...
2024-02-2244 min