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- 🇦🇺AU · Business#45100K to 300K
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30K to 90K🎙 Daily cadence·100 episodes·Last published 6d ago - Monthly Reach
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100K to 300K🇦🇺100% - Active Followers
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40K to 120K
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On the show
Recent episodes
Ready to quit work? The 4 retirement types and SMSF traps to know
Jun 18, 2026
39m 09s
Why advice takes ten weeks, and how to test-drive your retirement budget
Jun 11, 2026
38m 15s
Tax myths, age pension wipeouts, and the $14,000-a-year super loophole
Jun 4, 2026
37m 14s
Senator Andrew Bragg on housing, tax and Australia’s productivity problem
Jun 1, 2026
1h 03m 07s
Retirement modelling: where AI gets it wrong, plus EOFY traps every retiree should avoid
May 28, 2026
38m 51s
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| Date | Episode | Description | Length | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 6/18/26 |  Ready to quit work? The 4 retirement types and SMSF traps to know | In this Australian Retirement Podcast episode, James O'Reilly and Drew Meredith unpack a side of retirement planning spreadsheets cannot solve: what happens when you stop working. Using four retirement archetypes - stayers, leavers, blenders and the disengaged - they explain why people can thrive after leaving work or feel flat, isolated and directionless even when the money looks fine on paper. The conversation then turns to the practical friction many Australians underestimate. Drew explains why getting money out of an SMSF can take longer than expected, why interim accounts and asset valuations matter, and why winding up or rolling out a fund is rarely as simple as pressing sell. They also tackle the emotional side of the transition, including how connected you are to your current work and how ready you are for what comes next. James and Drew round it out with listener questions on growth versus defensive assets at 75, reversionary pensions, and what a surviving spouse needs to think about if a death benefit may push them over the transfer balance cap. If you are planning retirement or wondering whether your SMSF still makes sense, this episode offers a clearer framework for both the lifestyle and structural decisions that come with leaving work. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 39m 09s | ||||||
| 6/11/26 |  Why advice takes ten weeks, and how to test-drive your retirement budget | In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O’Reilly, from Northeast Wealth, pull back the curtain on what actually happens between “let’s get some advice” and the document landing on your desk 10 weeks later — and why proper modelling involves a lot more than three columns on a spreadsheet. They also talk through a confronting client story where test-driving the retirement budget cut spending by nearly 40 per cent, and answer two big listener questions on healthcare buffers and complex SMSF property holdings. Topics covered today - Markets at all-time highs while every news headline says the world is broken — what the disconnect means for retirees - The Atlassian whipsaw and what it says about AI panic in big tech valuations - Why a statement of advice takes four to ten weeks: research, third-party authorities, modelling, quality control - Three-input modelling versus proper multivariate modelling — and why most calculators sit at the lazy end - Test-driving your retirement budget: the “rip the band-aid” case study that cut $180,000 of spend down to $110,000 - Why the most underrated job of an adviser is forcing the trade-off conversation - Hugh’s question: how much should you buffer for healthcare costs before the Commonwealth Seniors Health Card kicks in at 67? - Mr No Idea’s question: $12 million property portfolio, an SMSF property in Mernda, and why this is firmly in personal-advice territory - Retirement location reality-check — Queenscliff wind, Queensland surf breaks, and why you should rent before you buy Episode resources – Services Australia — Commonwealth Seniors Health Card – ATO myGov — review contribution caps and balances – ASIC Moneysmart — retirement planner – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 38m 15s | ||||||
| 6/4/26 |  Tax myths, age pension wipeouts, and the $14,000-a-year super loophole | In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O’Reilly, from Northeast Wealth, bust the myth that financial advice fees are fully tax-deductible after the 2024 changes, walk through a real client case where an insurance refund accidentally triggered the bring-forward non-concessional cap, and run the numbers on what a daily coffee, a weekly pub meal, and three streaming services really cost a retiree over 25 years. They also explain what professional indemnity insurance actually covers (and what it does not), and answer two listener questions: the best month of the year to retire, and whether a still-working 60-year-old with $2 million should set up an allocated pension now. Topics covered today – The myth that all financial advice fees are tax-deductible — what actually changed in 2024 and why accountants are tightening up – A real case study: an insurance premium refund accidentally treated as a non-concessional contribution and the bring-forward trap it triggered – Why the latest age pension increase was completely wiped out by higher deeming rates, petrol, and grocery prices – The $432,000 cost of a daily coffee, weekly pub meal, and three streaming services over 25 years — and why we still say spend it anyway – Professional indemnity insurance: what it actually covers, what it doesn’t, and why “bad returns” aren’t a claim – Mad About Money’s question: what is the best time of year to retire? (Hint: August) – Super Sandwich’s question: 60 years old, $2 million in super, still working five more years — should you start an allocated pension now? – The over-60 super recycling strategy: meeting a condition of release, drawing the minimum, and re-contributing to save up to $14,000 a year in tax If you like this Australian Retirement Podcast episode on tax, coffee, and the over-60 super loophole, you’ll love the series. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode – Wattle Partners – Northeast Wealth – ATO — deductibility of financial advice fees (TD 2024/7) – Services Australia — deeming rates – ASIC Moneysmart — conditions of release – Drew’s book — request a free copy via the show – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 37m 14s | ||||||
| 6/1/26 |  Senator Andrew Bragg on housing, tax and Australia’s productivity problem | This episode was originally featured on the Australian Investors Podcast. In this episode, Owen Rask sits down with Senator Andrew Bragg for a wide-ranging conversation about the Federal Budget, housing supply, tax, productivity and why so many Australians feel the country has become harder to get ahead in. Rather than getting stuck in party talking points, they focus on the practical questions investors, business owners and workers are asking right now: what happens when policy makes it harder to build homes, why does productivity matter so much for living standards, and how do taxes, regulation and incentives shape whether Australia creates more wealth or simply fights over what already exists? Andrew explains why he believes cutting housing supply is one of the worst policy choices Australia can make, how rising rents, higher rates and broader cost-of-living pressure are changing the national mood, and why small business, private investment and simpler rules still matter if Australia wants to stay competitive. The conversation also touches on super, the role of large institutions, and why clearer economic thinking matters more when confidence is low. Owen pushes on the bigger picture too: whether Australia has lost ambition, why the policy debate feels less honest than it should, and what needs to change if Australians want better opportunities over the next decade. If you want a plain-English discussion about housing, tax, productivity, competitiveness and the long-run direction of Australia, this is a timely episode to queue next. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 1h 03m 07s | ||||||
| 5/28/26 |  Retirement modelling: where AI gets it wrong, plus EOFY traps every retiree should avoid | Drew Meredith and James O’Reilly on why AI-built retirement modelling routinely gets the numbers dangerously wrong, plus the end-of-financial-year traps and condition-of-release tricks every Australian retiree should know before June 30. In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O’Reilly, from Northeast Wealth, work through five high-stakes mistakes they keep seeing in DIY retirement plans — from AI tools that forget income tax and the age pension, to notice-of-intent timing errors that quietly delete tax deductions worth tens of thousands. They also unpack a clever (and entirely legal) condition-of-release strategy involving the Census, plus how to think about gifting an adult child a house deposit without blowing up your own retirement. Topics covered - Why AI-built and industry-fund retirement calculators keep missing income tax and the age pension - Treating AI like a sharp intern — useful, but you still have to check the work - End-of-financial-year planning: why “June” is too late and what to be doing in March and April - Notice of intent to claim — the timing trap that quietly deletes tax deductions - Excess concessional contributions: how the ATO’s flexibility has changed the game - Property settlements vs exchange-of-contracts — why the date you assume isn’t the tax date - The Census condition-of-release trick: unlocking tax-free super after 60 - Cash-out and re-contribution — saving adult-child beneficiaries tens of thousands in tax - How secure are annuities really? APRA, statutory funds, and what the government guarantee does (and doesn’t) cover - Gifting an adult child a $150k house deposit — gifting limits, the 5-year deeming rule, and why a guarantor arrangement is often the better move Resources for this episode - Wattle Partners - Northeast Wealth - ATO myGov — check your concessional cap and carry-forward space - ATO — Notice of intent to claim a deduction for personal super contributions - Services Australia — Gifting and the age pension - Challenger — Australia’s biggest annuity provider (mentioned in the annuities discussion) – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 38m 51s | ||||||
| 5/21/26 |  Should you pay off the mortgage or boost super first in your 50s? | In this Australian Retirement Podcast episode, Drew Meredith and James O'Reilly tackle one of the trickiest questions for Australians heading into retirement: if you still have a large home loan in your 50s, should every spare dollar go into the mortgage, or could super actually be the better lever? Using a real-world case study, they unpack why maximising personal deductible super contributions can sometimes leave retirees in a stronger position than aggressively paying down the loan, particularly when catch-up concessional caps and tax deductions come into play. They also explain the risks: super is locked away, markets are never linear, and the right move depends on cash flow, time horizon and confidence in the plan. The episode also explores a new push to make pensions easier to start, including the idea of defaulting older Australians into pension products later in life. Drew and James dig into where that could help, where it could go too far, and why personal choice still matters. Plus, there’s a practical conversation on how retirees can use AI in everyday life — from planning trips and social activities to making day-to-day admin easier. If you’re weighing up mortgage versus super, thinking about pension timing, or just want to retire with more clarity, this is a sharp and practical listen. Episode resources Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: ****This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 38m 00s | ||||||
| 5/14/26 |  Super cooling-off double hit & what's really happening to property values | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with footy chaos and ageing parents challenges, then dive into what's really happening in property markets using the fresh Cotality April 2026 report. The Boomer Briefing exposes the super rollover waiting period double hit: outgoing funds must now provide risk warnings before you can switch - designed to make you think twice. But here's the absurd catch: those same funds cannot pay for independent advice about whether switching is right for you. The rules are so restrictive (SOA requirements, payment limits) that advisers won't touch it. So you get the warning... but no help navigating it. Then Drew and James unpack the growing issues in property values. The Cotality April 2026 report reveals what retirees planning to downsize or leverage equity need to know right now - pages 5 and 7 tell the real story behind the headlines. Plus: Are SMSFs actually good for retiree couples, or are most people simply not up to full control? Drew doesn't hold back. If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: Super rollover waiting period - the double hit for fund switchers Why outgoing funds can't pay for switching advice (and what that means) $250M AustralianSuper exodus - members switching blind Property values reality check - Cotality April 2026 report deep dive Are SMSFs good for retiree couples? Most aren't up to it Resources for this episode Cotality Housing Chart Pack April 2026 Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 43m 40s | ||||||
| 5/13/26 |  Budget Bombshell: Negative gearing axed, CGT torn up | In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth, react to Treasurer Jim Chalmers' Federal Budget bombshell - the biggest shake-up to property and investment tax in a generation. Negative gearing has been axed for future purchases of established property. The 50% CGT discount is gone, replaced by an inflation indexation model. And for the first time, a 30% minimum CGT rate is being layered in - mirrored by a matching 30% minimum on discretionary trust distributions - aimed squarely at older Australians who'd otherwise pay less tax in retirement. Even pre-1985 assets, untouchable for over 40 years, are being dragged into the tax net. Drew and James talk through what's grandfathered, what isn't, what the 1 July 2027 start date means, and why anyone running income through a family trust needs to revisit their strategy. If you like this Australian Retirement Podcast episode on the Federal Budget, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today The headline changes from Chalmers' Budget Negative gearing - what's been axed, what survives, and the new-build carve-out The death of the 50% CGT discount and the move to inflation indexation The new 30% minimum CGT rate - and why retirees are the real target The 30% minimum tax on family trust distributions Pre-1985 assets brought into the tax net for the first time What's grandfathered and what to do before 1 July 2027 Episode resources Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: ****This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 43m 32s | ||||||
| 5/7/26 |  Recession with higher inflation - should retirees panic? Plus the key to retirement | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth both spent the holidays in Bright - talking reducing mobility, extending the golden years, and coaching. Plus Grace's bike crash and x-rays. The government just announced financial advisers will no longer need an approved degree - reversing post-Royal Commission reforms. Pre-2019 it was a diploma, post-RC it was a finance degree, now it's any degree plus required finance knowledge. Why the band-aid solution? Adviser numbers are collapsing: 28,000 in 2018, 22,000 in 2020, just 15,000 in 2026 - an all-time low and 46% decline. Red tape is outrageous, costs to deliver advice have ballooned (80% increase since 2019, with 320% increase in the financial advice levy), and there have been very few wins over the last decade. The Boomer Briefing tackles the global recession threat with higher inflation - slowing growth, higher costs for groceries, travel, fuel. How do you manage a recession with higher inflation where costs are increasing, returns may fall, and you have a finite pool of capital? Australia is in one of the worst positions as a net importer. If you're retiring today, should you be worried? Drew and James explain recession vs. crisis, why you can't "wait until everything settles down," and how markets rebound on outlook. Plus TermPlus questions: "If you could implant one belief into every retiree's brain on day one, what would it be?" and "If every Australian family had one conversation before someone turns 70, what's the topic?" If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 34m 36s | ||||||
| 4/30/26 |  Div 296 changes, July super payments & worst retirement advice ever heard | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with camping vs. vanning debate, optimal camping setups, and serious camping envy. Then the worst retirement advice they've ever heard clients repeat: "Put 100% of my super in crypto in the leadup to retirement," "I'll just invest in income stocks," and "Super is a scam, I'll take it all out and put it in a term deposit." The Boomer Briefing unpacks Division 296 and the CGT reset, then dives into the massive 1 July 2026 changes forcing employers to pay super at the same time as salary payments. The ATO estimates $3-4 billion in unpaid super each year - but industry analysis suggests it's closer to $5 billion, representing 3-5% of total super guarantee liabilities. Around 40% is attributed to insolvent employers, another 40% to the shadow economy (cash-based industries, contractor misclassification, underreported wages). Higher-risk workers - casuals, migrants, younger and lower-income workers, and contractors - are less likely to check super or report underpayment. Late payments attract super guarantee charges (interest and admin fees) with no tax deductibility, so employers caught with arrears may be better off resolving this in FY26. Drew and James answer questions from HardlyBroke about TermPlus capital protection and time-is-ticking on accessing super over 60 when self-employed with an ABN - can you return to work invoicing the same clients? If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Worst retirement advice ever - 100% crypto, income stocks only, super is a scam - Division 296 and CGT reset explained - 1 July 2026 super payment changes - $5B unpaid super scandal - TermPlus capital protection - is your capital really safe? - Accessing super over 60 when self-employed - ABN and same client rules Resources for this episode Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 44m 01s | ||||||
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| 4/23/26 |  Are industry super funds safe? Plus your retirement questions! | Industry super funds have been hit by hacking attempts and outages. Should you be worried? Drew Meredith and James O’Reilly break down what’s happening — plus answer your top retirement questions on super access, non-concessional contributions, downsizer rules, and early retirement strategies. If you enjoyed this Australian Retirement Podcast episode on protecting your super and retirement planning, subscribe for weekly episodes on Apple, Spotify, YouTube, or wherever you get your podcasts. Topics covered today: - Industry super fund hacks and downtime — why it’s worrying - Can you re-contribute super after drawing a pension? - Preservation rules for superannuation: 60, 65, and retirement triggers - How to add a spouse to a property title affordably - Superannuation strategies for couples with large age gaps Resources for this episode Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 40m 19s | ||||||
| 4/16/26 |  Private credit dangers every retiree needs to know + $1M super red flags | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with school holiday money-saving tips, then dive into the private credit boom sweeping retirement portfolios. Not all private credit funds are equal. Drew and James break down what retirees need to know: illiquidity premiums, fund manager transparency, borrower quality, concentration risk, and whether evergreen funds are worth the hype. What should you actually look for before jumping into private credit? Then the big question from "Panicking Parents": "My parents have $1M combined super and plan to withdraw ALL of it to move to an individual financial adviser, just like their friends did. What research should we do? How do I convince them to leave it in super?" Drew and James expose the massive red flags, tax implications, and conflicts of interest that families need to understand before making this move. If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: 1. Private credit risks - illiquidity premium, fund manager evaluation, borrower quality 2. Evergreen funds - benefits and costs reviewed 3. Concentration risk - how many underlying loans in your fund? 4. $1M super withdrawal red flags - tax implications and conflicts of interest 5. One piece of retirement advice - Drew and James' best wisdom Resources for this episode Buy Gemma’s book “The Money Reset” Speak with the Rask Advice team Ask a question (select the Finance podcast) Show partner resources Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 34m 52s | ||||||
| 4/9/26 |  Trump geopolitics: Missing 10 best days cuts returns in HALF | In this Australian Retirement Podcast episode, we take a close look at the US-Iran war volatility: Should you sell or hold? Did you know, missing the 10 best market days cuts returns in HALF. Plus your week-by-week GFC crash playbook for year 1 retirees. In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle the question terrifying every retiree: with markets down 10%, Iran war escalating, and oil prices spiking - should you SELL or HOLD? The data is brutal. Research shows missing just the 10 best market days over 30 years cuts your returns in HALF. Miss 30 days? Returns drop 84%. The kicker: 76% of the best days happen during bear markets or in the first two months of a bull market. JP Morgan found that seven of the 10 highest-returning days happened within two weeks of the market's largest declines. Drew and James debate both sides - the case for staying invested versus the "this time is different" argument - then answer a listener's question: "How safe is my super during global conflicts? Can I park it somewhere safer?" Finally, the big one: if you got a GFC-style crash in year one of retirement, what does the playbook actually look like week by week? If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Trump war geopolitics - sell or hold your portfolio? - Missing 10 best days = 50% returns loss (Hartford Funds 30-year study) - Why 76% of best days happen in bear markets - Can you park super somewhere safer during volatility? - GFC crash in year 1 retirement - your week-by-week playbook Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 31m 38s | ||||||
| 4/2/26 |  Planning for aged care explosion, balanced fund myth & skipping generations in wills | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth expose the "balanced" fund myth. Remember "Compare the Pair"? Two funds both labeled "balanced" can hold 40% vs 80% growth assets. Despite influencing millions of retirement outcomes, "balanced" has NO legal, regulatory, or industry-standard definition. It's marketing, not investment strategy. James delivers shocking health news: Add 9 years to your life with just 7-8 hours sleep, 40 minutes moderate exercise daily, and a healthy diet. Even baby steps work - UK study of 59,078 participants found adding just 5 minutes sleep, 2 minutes exercise, and half a vegetable serving per day adds ONE EXTRA YEAR of life expectancy. The Boomer Briefing tackles three critical questions: "Where There's a Will, Is There a Way?" - With life expectancies increasing, when does it make sense to skip your retiree children and leave inheritances directly to adult grandchildren? Can you reassign your share of your parents' estate to your kids? Legal and tax implications explained, plus testamentary trust strategies. "Wood Miner" asks: How do I protect my investments from litigation and being sued? Is super in accumulation phase better protected than pension phase? Today's big question: "If aged care costs doubled in the next decade - which they might - should retirees be earmarking super specifically for that, or is that just planning for fear?" Topics covered today: - "Balanced" fund myth exposed - No legal definition, 40% vs 80% growth assets both called "balanced" - Live 9 years longer - 7-8 hours sleep, 40 min exercise, healthy diet - Baby steps add 1 year - Just 5 min more sleep + 2 min exercise + half serving vegetables - Skip generations in wills - Leaving inheritance to grandchildren instead of retiree children - Reassigning estate shares - Can you redirect your parents' inheritance to your kids? Tax implications Resources for this episode Five minutes exercise life span study Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 37m 36s | ||||||
| 3/26/26 |  Div 296 passed, CGT discount cut & why Australia's pension system is falling | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with breaking news: The Greens have rubber-stamped Div 296 - and they're demanding MORE tax reform. James breaks down what just passed, while Drew exposes the terrifying CGT and trust changes on the horizon. Major tax changes being floated: - New $135K income threshold with stacking provisions - Cap gains tax capped at 30% maximum - CGT discount slashed from 50% to 33% The Boomer Briefing tackles why Australia's pension system ranking has fallen again in the global Mercer CFA Index. We're still top 10, but Netherlands, Denmark, and Iceland are crushing us. Why? The Mercer Index scores three dimensions: Adequacy (benefits/replacement rates), Sustainability (long-term funding), and Integrity (governance/regulation). Australia excels at capital accumulation with our $3.5 trillion super pool and APRA/ASIC regulation - but we're getting destroyed on retirement income design. The brutal truth: Australia built a world-class savings system. Northern Europe built world-class retirement income systems. The Mercer Index rewards the latter. Plus, we say goodbye to Monique Pizzica, producer of The Australian Retirement Podcast. Topics covered today: - Greens rubber-stamp Div 296 - It's official, plus they want MORE tax reform - CGT discount slashed to 33% - Down from 50%, massive tax impact - New $135K income threshold - Stacking provisions and 30% cap gains cap - Trust changes coming - What Drew's worried about - Australia's pension ranking falls - Why Netherlands, Denmark, Iceland beat us Resources for this episode Mercer CFA Institute Global Pension Index 2025 Australia slips in global pension ranking Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 34m 11s | ||||||
| 3/19/26 |  Age Pension vs super tax breaks debate & can ETFs deliver 6% without capital loss? | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with provocative questions: If they had to retire TODAY on only the Age Pension, what's the first lifestyle change? And if a client wanted to blow $200K in year one on a round-the-world trip - backing them or talking them down? The Boomer Briefing tackles explosive commentary from The Australia Institute, Guardian Australia, and Grattan Institute: Should we scrap super tax concessions entirely and double the Age Pension instead? The math: Super tax concessions cost ~$55-60bn/year ($31bn contributions + $24bn earnings). Age Pension costs ~$62bn/year. The argument: abolish super breaks, double the pension. Would Australians be better off? Drew and James expose why this sounds good but creates long-term disaster: Super concessions reduce future pension costs. Kill the incentive, more people need full pensions, government pays billions more later. Plus high earners shift to trusts and negative gearing - you never recover 100% revenue. What's actually happening: Division 293/296 tax, transfer balance caps, contribution cap tightening. Today's question from "Charli": "Which ETFs can generate at least 6% per annum WITHOUT losing capital invested?" Drew and James tackle capital preservation reality, inflation erosion, and whether ANY investment delivers 6% returns with zero capital risk. If you like this Australian Retirement Podcast episode on the super vs Age Pension debate and safe returns, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 33m 34s | ||||||
| 3/12/26 |  Iran conflict threatens portfolios & retirement costs hit all-time high | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle two critical developments threatening Australian retirees: escalating Iran conflict and the shocking rise in retirement costs. ASFA's Retirement Standard just hit all-time highs. You now need $730,000 for a comfortable retirement as a couple (homeowners, retiring at 67), or $630,000 for singles. This is the first increase in three years. Why the jump? Retiree costs are rising faster than general inflation. While CPI rose 3.8%, electricity jumped 21.5% (after subsidies expired), coffee/tea up 15.3%, beef up 10.8%, and domestic travel up 9.6%. Your comfortable retirement budget is now $77,375/year for couples or $54,840 for singles. The Boomer Briefing tackles the urgent question on every retiree's mind: What does Iran conflict mean for your retirement portfolio? Plus: Aware Super's Retirement Manager tool delivered shocking results - 96% of members using it now choose MORE than minimum pension drawdowns (up from 54%). What does this tell us about retiree confidence and spending behaviour? Today's big questions: "Yoda Best" asks about bucket strategies in retirement - do they actually work? And "Curious Investor" is about to exceed the transfer balance cap by $100-200K at retirement: should they keep an accumulation account or withdraw the excess and invest personally? Drew and James explore the tax implications and optimal strategies. If you like this Australian Retirement Podcast episode on Iran conflict impact, rising retirement costs, and transfer balance cap strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode ASFA Comfortable Retirement Aware Super Retirement Manager Grattan Institute Wealth Cheat Sheet Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 37m 57s | ||||||
| 3/5/26 |  Bank of Mum & Dad guide, ASIC targets lead generators & SMSF boom explained | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle why CBA and BHP are both crushing it right now, plus the shocking SMSF boom: 42,000 new funds established in FY25, with the average NEW trustee age dropping to just 47 (vs 61 for existing funds). Why are younger Australians rushing to SMSFs, and 80% doing it without advisers? The Boomer Briefing covers ASIC's major crackdown on dodgy lead generators selling your details to financial advisers, how to spot ethical vs unethical lead generation, and what retirees need to know about being targeted with rollover offers. Plus: How retirees can use AI like Claude in their financial lives, and whether old-fashioned companies are better during market selloffs. Today's big question comes from "Ma & Pa Bank" - a 50-year-old couple with a mortgage-free family home and an investment property, wanting to help their late-teen kids buy homes in 5-8 years. How can they use their property equity or the investment property itself to help their children significantly before they're ready to gift cash in retirement? What creative strategies work without destroying their own financial future? Drew and James explore the biggest mistakes parents make (helping too much, too soon), the critical questions to answer first (how much can you actually afford?), and the real-world strategies that work vs the ones that sound good but wreck retirements. If you like this Australian Retirement Podcast episode on ASIC's lead generator crackdown and helping kids without wrecking your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: CBA & BHP crushing it - What's driving the performance? SMSF boom explained - 42,000 new funds in FY25, average NEW trustee age drops to 47 Why young people rushing to SMSFs - 80% set up without advisers ASIC cracks down on lead generators - How dodgy companies sell your details, what's ethical Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 46m 04s | ||||||
| 2/26/26 |  $2M retirement paralysis, franking credits explained & geared ETF reality check | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with football season excitement - Saints vs Dogs, tickets locked in for June 21, 2026, and the inevitable complaining about obscene player salaries. The Boomer Briefing tackles two critical topics: Q Super's Retirement Bonus - What it is, how it works, eligibility criteria, and whether it's actually worth it or just marketing spin. Selling down assets: Accumulation vs Pension phase - The massive tax differences that could save or cost you tens of thousands. When should you sell? What's the optimal timing? This is pure gold for anyone approaching retirement. Then comes the main event - "Unclench-CtrlAltRetire's" epic question: "I'm 62, currently staring terrified into the retirement abyss with $2M in cash. 50% in a bank at 4.25%, 50% in super on the Members Direct platform, treating the 'Buy' button like it's a detonator. I am paralysed by sequencing risk and overwhelmed by options, resulting in total inaction. Drew and James deliver a masterclass on: - Franking credit refunds in pension accounts (the actual mechanics) - CGT exemptions in pension phase (what IS and ISN'T covered) - Geared ETFs reality check (risk vs reward in retirement) - Dollar-cost averaging strategies to overcome analysis paralysis - Core portfolio construction for retirees - How to finally press the "Buy" button without panic This episode is essential for anyone frozen by fear with cash earning nothing while markets move. If you like this Australian Retirement Podcast episode on pension phase tax strategies and overcoming investment paralysis, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 36m 34s | ||||||
| 2/19/26 |  Proposed CGT shake-up & de facto relationship pension trap explained | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth deliver critical updates on tax changes and relationship traps that could cost you thousands. After quick summer highlights and the CBA share price update (plenty of AI-driven outperformers despite volatility), they dive into the Boomer Briefing's two massive topics: PROPOSED CGT CHANGES - New proposals threatening the capital gains tax discount could dramatically affect retirement planning and asset sales. Drew and James break down what's being proposed, who's pushing for it, which assets are targeted, and what retirees should do RIGHT NOW before potential changes take effect. Should you accelerate asset sales? Change your portfolio strategy? This is urgent information every retiree needs. INTEREST RATES & INVESTMENT MARKET IMPACT - What's happening with rates and how it's reshaping portfolio strategies heading into 2026. Then comes the de facto relationship pension trap: "Not Your Average Listener" asks: "I'm 64M on Disability Support Pension with limited assets. My partner (57F) is working full-time with investment properties and shares - doing much better financially than me. We're looking to move in together soon, but I'm concerned about what this will do to my pension. Can you demystify this for me?" Plus: Savvy Stay-at-Home Mum's credit card hack - Using interest-free periods with a redraw account to save $10K/year on a $200K mortgage. Does it actually work over 10 years? If you like this Australian Retirement Podcast episode on CGT changes and pension relationship traps, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 38m 04s | ||||||
| 2/12/26 |  Timing your first adviser meeting, AustralianSuper outflows & First Guardian deal | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with high energy - school drop-offs turning them into unpaid taxi drivers, interest rate movements affecting overseas travel plans, and whether term deposits are finally worth a look again. The Boomer Briefing tackles two massive stories shaking up the super industry: First Guardian & Netwealth finally came to a deal. After months of drama, the collapsed super fund scandal has reached resolution. Drew and James break down what happened and what it means for members. AustralianSuper is experiencing competitive outflows as more members flee to platforms. Why? Access to advice, better retirement planning tools, and broader support beyond generic product offerings. The industry super dominance is being challenged by platforms offering personalized service. What does this mean for your super choice? They also dive into what's happening with commodities - gold, silver, and crypto movements that captured headlines this week. Then comes today's big question from Stephen Fry (not that one): A 54-year-old truck driver earning $150k with overtime, $420k in super, salary sacrificing $210/week. His wife is 50 with $60k super, sacrificing $100/week. They have $50k in personal loans and credit card debt clearing in 2 years. Both earn around $70k base salary. Stephen knows he needs professional financial advice but it's not cheap. His critical question: How far out from retirement should he seek professional advice? Drew and James deliver the brutal truth about timing your first adviser meeting - wait too long and you've missed critical opportunities. Move too early and you might waste money. They break down the sweet spot and what Stephen should do RIGHT NOW. If you like this Australian Retirement Podcast episode on when to hire advisers and super fund strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 41m 59s | ||||||
| 2/5/26 | CBA bet backfires, super fund anxiety & dodging $130k CGT | In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with Drew's CBA share price bet update. The bet backfired when CBA fell in 2025, costing Drew $150. But he's doubling down - the new bet is whether CBA will finish above or below $150. Will Drew learn his lesson? The Boomer Briefing tackles a fascinating trend: Why are retirees checking their super balances more than their kids' wellbeing? New data reveals heightened anxiety among retired members, particularly in funds like UniSuper where engagement with retirees has spiked. Drew and James unpack what's driving this retirement anxiety and whether it's justified. They also break down what balanced returns look like for calendar year 2025 and reveal the 2025 top super fund performers according to SuperRatings. Then comes today's big question: How do you avoid or reduce paying a massive $130k capital gains tax bill when selling an investment property at or just before retirement? A 61-year-old listener with $800k in super, still working and planning to retire at 65, needs smart CGT strategies. Drew and James deliver practical solutions. Plus, the Moooving Paramedic (the 41-year-old farming paramedic with 5 kids) asks whether he should switch from pre-tax to post-tax super contributions. Currently contributing 9% via salary sacrifice and looking to increase, he's worried about the 15% tax on payout. Should he diversify his contribution strategy now? If you like this Australian Retirement Podcast episode on CGT planning and super strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Drew's CBA bet backfires - Lost $150 as CBA share price fell in 2025, now doubling down on over/under $150 - Balanced fund returns for 2025 - What to expect from your super this year - Retiree super anxiety - Why retirees are checking super more than their kids, - UniSuper engagement spike - 2025 top super performers revealed - SuperRatings breakdown of best-performing funds - How to avoid $130k CGT bill - Strategies for selling investment property at retirement (61yo, $800k super, retiring at 65) - Pre-tax vs post-tax super contributions - Moooving Paramedic's dilemma: 41yo with 5 kids, 9% salary sacrifice, should he add post-tax? Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 41m 58s | ||||||
| 1/29/26 | How to build multiple income streams in retirement | In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth break down the complete landscape of retirement income in Australia. One of the most common questions financial advisers hear is: "Where will my income actually come from in retirement?" The answer isn't simple—and that's actually a good thing. The most successful retirees don't rely on a single income source; they strategically combine multiple streams to create flexibility, tax efficiency, and security. Drew and James walk through the five main sources of retirement income: allocated pensions from your super, the Age Pension, investment income from shares and property, term deposits and savings accounts, and annuities. They explain how each works, the pros and cons of different strategies, and why having multiple income sources is crucial for managing risk and maintaining lifestyle throughout retirement. They also tackle a big question: Is property really the right asset for retirement income? The answer might surprise you. If you like this Australian Retirement Podcast episode on retirement income strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Allocated Pensions: Converting your super into regular income - Why starting an allocated pension is often a "no-brainer" decision - Understanding minimum drawdown requirements and tax benefits - The Age Pension: Why over 90% of retirees receive it - Investment income: Shares, dividends, and franking credits - Property income in retirement: Is it the right choice? - Annuities explained: Guaranteed income with trade-offs - Why combination is key: Asset allocation and opportunity cost - The importance of liquidity in retirement Resources for this episode Centrelink AP Back to basics ep 2 Pension w Justin Bott Pension w Justin Bott (2) Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 31m 47s | ||||||
| 1/22/26 | How to diversify your super the right way | In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth explain the critical building blocks of a resilient retirement portfolio. Whether you're just starting to think about retirement or already managing your super, understanding asset allocation is one of the most important investment concepts you'll ever learn. This isn't about picking the next hot stock or timing the market—it's about building a portfolio that can generate returns while managing risk over decades. Drew and James break down what asset classes actually are, why diversification matters more in retirement than at any other life stage, and the practical tools you can use to implement a smart asset allocation strategy. They also explain Modern Portfolio Theory in plain English and show you how to think about combining different assets to maximise your potential returns while keeping volatility manageable. If you like this Australian Retirement Podcast episode on asset allocation and diversification, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - What is an asset class and why does it matter? - Breaking down the major asset classes: Cash, Fixed Interest, Shares, Real Assets, and Alternatives - Understanding asset allocation and Modern Portfolio Theory - Why diversification is critical when you have a finite pool of capital in retirement - The tools available to implement your asset allocation strategy - How different assets perform in different market conditions - Building resilience through both growth and income assets Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices | 29m 22s | ||||||
| 1/20/26 | 2026 stock game: Owen & Navarre's $100,000 stock game portfolio | The Rask 2026 stock market game is live - it's called Stock Genius. Available at stockgenius.com.au, in collaboration with Navexa, the Rask Stock Market is open for you to compete and enjoy with over 1,000 fellow investors. In this episode, we cover: - Is AI killing app investing in 2026? - Are you a stock market genius? Play our game to find out - How the game works - Smart tracking for portfolios - Owen and Navarre’s top picks Resources for this episode Join the game: https://www.stockgenius.com.au/ Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds: https://bit.ly/beta-25 Rask resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media: Instagram: https://www.instagram.com/rask.invest TikTok: https://www.tiktok.com/@rask.invest Disclaimer: The information contained in this podcast episode is strictly general in nature. It does not take into account your needs, goals or objectives. So do not act on the information until you have spoken to your financial adviser. The Rask Group Pty Ltd is a corporate authorised representative (No. 1313447) of Rask Licensing Pty Ltd (AFSL: 563 907). The information in our shows is general financial advice only. That means, the advice does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. In addition, you should obtain and read the product disclosure statement (PDS) and Target Market Determination (TMD) before making a decision to acquire any financial product. If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice. Please read our Terms & Conditions and Financial Services Guide on rask.com.au/legal. The Stock Genius website is built and maintained by Navexa. It does not provide financial, legal or tax advice of any kind. The Rask Stock Market Game has been created purely for educational and entertainment purposes. It is not real money and should never be considered as a recommendation, "stock picking", or investment service. The purpose of the game is community, not recommendations for, or against, investments. Investing is risky and can result in permanent capital loss. The Rask Group Pty Ltd and Navexa do not endorse or recommend investments as part of the Stock Genius website, and make no warranty for the performance of portfolios. Learn more about your ad choices. Visit megaphone.fm/adchoices | 46m 50s | ||||||
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