Retire Right

In 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.

Thanks 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.

The 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.

In 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.

In 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.

In this episode, Glen and Vince Scully, Portfolio Manager from LifeSherpa Invest tackle one of the biggest questions in retirement planning: is your super actually safe? They touch on:👉 how super is structured and protected👉🏼 the three layers of a superfund👉🏽 when SMSF investments go wrong and who's really to blame👉🏾 why super fund failures happen: the Trio/Astara case explained👉🏿 how the First Guardian and Shield collapse happened👉 can we trust financial advice?👉🏼 what to ask your adviser or fund to avoid fraud or bad productsSubscribe 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.

In today's Q&A, Glen and financial adviser Martin McGrath from Financial Edge Group discuss your questions about:👉 pros & cons of starting a pension at 65👉🏼 transfer balance cap & recontribution strategy👉🏽 should I put savings into super before retiring?👉🏾 moving back to Australia for the age pension👉🏿 borrowing against home equity to investSubscribe 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.

In this episode, Glen James and financial adviser Martin McGrath go under the hood on investment bonds and unpack:👉 what is an investment bond👉🏼 how tax works👉🏽 the rules👉🏾 using investment bonds for kids and grandkids👉🏿 the advantages👉🏻 personal investing vs super vs investment bond👉 high-income earner case study👉🏼 using investment bonds for education purposesSubscribe 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.