Share
Latest episode
423 Grey divorce: what separation can cost you in retirement
56:49||Season 4Divorce and separation can be challenging at any stage of life, but the financial impact can be even greater when retirement is on the horizon. In this episode, Glen is joined by financial adviser and certified divorce coach Dominique Bergel-Grant to unpack the realities of "grey divorce" and what it means for your retirement plans. They touch on:👉 what is 'grey divorce'? 👉🏼 what certification/study is needed to become a divorce coach👉🏾 what it looks like to engage Dominique if considering divorce 👉🏿 helping clients navigate conversations with their partner👉🏻 the first step for engaging Dominique👉🏽 how can parents protect the family wealth in the event of their child's relationship breakdown?👉 what if my partner is part of a family trust?👉🏼 navigating different financial personalities in marriage👉🏾 navigating divorce & estate planning as a couple without kids👉🏿 Glen and Dominique's biggest advice for someone separating near retirementLearn more at https://www.navigateyourdivorce.com.au/Subscribe to Retire Right on YouTube: https://www.youtube.com/@RetireRightAusIf 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-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retirerightThis 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.
More episodes
View all episodes
422 To RAD or not to RAD: navigating the new aged care rules
50:21||Season 4Since November 1, Australia's aged care system had a major overhaul. Glen sits down with Nathan Fradley from Fradley Advice to cut through the acronyms and break down what families with aging parents actually need to know. They cover:👉 why aged care doesn't start with a nursing home and the first step families should take👉🏼 what does RAD actually mean?👉🏽 the new November 1 rules👉🏾 other aged care fees explained👉🏿 what if only one parent needs to enter care?👉🏻 the importance of sorting your power of attorney before there's a crisisSubscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAusIf 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-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retirerightThis 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.421 Catch-up contributions, term deposits in super, Centrelink income trap + more
51:26||Season 4In this Q&A Glen James and financial adviser Nathan Fradley chat about:👉 catch up concessional contributions: how they work and the $500k super threshold👉🏼 can you withdraw from super to get under $500k and put it back in?👉🏽 term deposits inside super: are they safe?👉🏾 does the government's $250k bank guarantee apply inside super?👉🏿 how much to keep in super? $1M in super + $500k in shares at age 55👉🏻 reportable super contributions and the Centrelink income test👉🏽 how the ATI (adjusted taxable income) add-back impacts eligibility for Centrelink benefits 👉 is it a red flag if an investment fund is closed to new investors?Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAusIf 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-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retirerightThis 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.420 The 2026 Federal Budget: Glen James & Vince Scully with Jim Chalmers, MPs, insiders & what it all means for you
01:31:51||Season 4Thanks for listening to our 2026 Federal Budget show! You can watch it on Youtube here: https://www.youtube.com/@RetireRightAus. All filmed on Wednesday 13 May 20262.38 - Jim Chalmers - Treasurer13.40 - Glen James and Vince Scully budget breakdown47.23 - Allegra Spender (Ind.)53.25 - Larissa Waters (Australian Greens Leader)1 hr 4mins - Jane Hume (Deputy Leader of the Opposition (Lib.))1hr 12 mins - Phil Coorey (Australian Financial Review)1hr 24 mins - Patricia Karvelas (ABC Afternoon Briefing & Party Room / Politics Now podcasts)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-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retirerightThis 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.419 The latest retirement figures unpacked
49:39||Season 4The latest ASFA figures say a couple needs $730k in super to retire comfortably at 67, but what do those numbers actually include, and are they right for your situation? In this episode Glen and financial adviser Nathan Fradley unpack the data, challenge the assumptions and walk through Nathan's updated heat map showing how your super balance and age pension interact to produce income in retirement. They touch on:👉🏻 Nathan's retirement model and what that means for how much you need to save👉🏼 ASFA's comfortable vs modest retirement standards👉 why the numbers don't stack up for a lot of renters👉🏽 what does “comfortable” and “modest” actually include?👉🏿 what assumptions is the modelling based on?👉🏼 how much super do you need? ASFA's numbers vs Nathan's modelling👉🏻 Nathan's updated heat map: super, pension & income sweet spots👉 Glen’s closing thoughts Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAusIf 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-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retirerightThis 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.418 Can AI replace your financial adviser, how much do you need to retire + more
47:37||Season 4In today's episode Glen is joined by Nathan Fradley from Nathan Fradley Advice to tackle your community questions:👉 I'm using Gemini AI for financial planning and it seems good, is it safe, and should I trust it?👉🏼 Tamara asked how much do I need to retire on $80K/yr for my situation?👉🏻 Glen puts Tamara's question into ChatGPT, Gemini and Claude & they weigh in on what AI got right and what it missed👉🏽 Nathan illustrates his retirement drawdown framework👉🏾 with a TTR split 75% growth and 25% cash, can I nominate which bucket my pension payments come from?👉🏿 I'm 56, own a small unit and have 800K across super and cash, can I retire now?Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAusIf 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-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retirerightThis 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.417 The three types of financial advice & why it costs what it does
01:10:09||Season 4In today's episode Glen is joined by Vince Scully, Portfolio Manager at Life Sherpa Invest to tackle one of the most talked about topics in finance: the cost of financial advice. Glen and Vince break down:👉 the biggest myths about adviser fees👉🏼 listener question: a $6k re-contribution strategy - was it worth it, and why can't the adviser answer a quick question without re-engaging?👉🏽 the three types of advice: factual information, general advice and personal advice explained👉🏾 listener question: TTR setup charged as extra outside an existing fixed annual fee, is this normal?👉🏿 real cost breakdown: income vs expenses for an advice business👉🏻 intra-fund advice explained and what an independent financial adviser actually means under Australian lawSubscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAusIf 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-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retirerightThis 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.