Weaving Gold | A Money Podcast

A listener asks a simple question: if Dad withdraws his super and puts it into a term deposit, will it affect his Age Pension? In this episode, Nathan and Jordan unpack why this is not as straightforward as it sounds. What starts as a pension question quickly opens up into a much bigger conversation around estate planning, death benefit tax, and the trade-offs of taking money out of the super system. They explain who can receive superannuation on death, how tax applies to adult children, and why some families consider withdrawing funds to avoid future tax. But they also highlight the hidden costs, including losing the tax-free environment of super and potentially paying more tax during retirement. The discussion also covers how Centrelink assesses super versus cash, and why the timing of when a pension was started can make a difference. This episode is a practical guide to thinking through the bigger picture before making a decision that may be difficult to reverse. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

If you inherit some money or a property, can you protect it from any future claim by a spouse if you seperate? It's a common concern, and a an area of Family Law full of confusion and in some cases misinformation. In this episode Nathan is joined by Jemma McKenzie, Accredited Family Law Specialist and Partner at Forte Family Lawyers to clear up some of that noise and clarify what can or cannot be done. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Jemma McKenzie https://fortefamilylawyers.com.au/ Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

Some financial advisers only work with what are known as wholesale clients or sophisticated investors. But what does that actually mean and why does it matter? In this episode, Nathan and Jordan explain the difference between retail and wholesale investors and why the distinction is so important when seeking financial advice. They unpack how people qualify, what protections can disappear once you are classified as a wholesale client, and why that trade off may not always be in your best interests. They also explore why this conversation is becoming more common, the types of investments often associated with wholesale advice, and the risks that can come with pursuing opportunities outside the normal advice framework. Most importantly, they discuss how to think about your full financial situation before giving up the consumer protections that come with retail financial advice. Topics covered include: • What a wholesale client or sophisticated investor is • How the income and asset tests work • The key protections retail clients receive • Why some advisers only work with wholesale clients • The risks of focusing on a single investment instead of your full financial picture • How to decide whether this pathway is right for you Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

What happens if a parent runs out of money while living in aged care? In this episode, Nathan and Jordan explain financial hardship provisions, unrealisable assets, and what families can do when aged care fees become unaffordable. They cover protected person rules, RAD payments, means tested care fees, gifting traps, and how hardship assistance actually works. A clear guide for families worried about keeping a loved one in care without losing the family home. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

You have sold your home and now have the proceeds sitting in the bank while you look for your next property. But what does that mean for your Age Pension, tax, and where you should park the money safely? In this episode, Nathan and Jordan answer a listeners question, unpacking The rules around Home Sale Proceeds for the Aged Pension including how the assets and income tests apply What to do with the money while you look for a new home And what else to watch out for! If you are between homes or planning to downsize, this episode will help you make smart, low stress decisions. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

When a large sum of money enters a relationship, it can change more than just the bank balance. In this episode, Nathan and Jordan explore a pattern they often see in separation and divorce cases. Financial independence, particularly through inheritance, insurance payouts or business sales, can become the catalyst for long-standing relationship tensions to surface. They unpack why feeling financially disempowered can keep someone stuck in an unhappy marriage, how windfalls shift the power dynamic, and the emotional weight that comes with inheritances and disability payments. They also explain why "protecting" an inheritance during separation is rarely straightforward and why every property settlement is deeply contextual. Importantly, they discuss how financial relief can sometimes repair a relationship rather than end it. If you are navigating separation, expecting an inheritance, or simply feeling financially trapped, this episode offers thoughtful insights to help you think clearly during an emotionally charged time. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

In this shorter episode, a listener asks whether it makes sense to move their Mum from one aged care facility to another after a preferred room becomes available. Nathan and Jordan walk through the emotional, practical and financial considerations of changing facilities, including new agreements, RAD transfers, interest rate resets, reassessments with Services Australia and how pre November aged care rules are treated when a move occurs. This episode helps families avoid costly surprises when considering a move for a loved one already in care. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Many families consider buying a property for an ageing parent to live in under a granny flat arrangement. This episode covers a question from a listener over whether you can charge rent as part of a Granny Flat Arrangement. Nathan and Jordan unpack the difference between what is allowed under Centrelink rules and how the ATO views these arrangements. They explain why charging rent can accidentally turn a family agreement into a commercial arrangement and trigger unexpected tax bills. This episode is essential listening for anyone thinking about property, pensions, and supporting parents later in life. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Receiving an inheritance can feel like a blessing and a burden at the same time. In this episode, Nathan and Jordan unpack how an inheritance affects the Age Pension, why it often triggers frustration and fear, and what practical options retirees can consider. From Centrelink rules to spending confidence, lifestyle choices, and financial strategies, this episode provides a calm introduction to a complex and emotional topic. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Many parents are being asked to go guarantor so their adult children can buy a home. In this episode, Nathan and Jordan unpack what being a guarantor actually involves, the risks most families overlook, and how it can quietly derail your retirement plans. They talk through the emotional pressure parents feel, what can go wrong if things change, and the importance of having clear conversations and boundaries before signing anything. This is a practical and honest discussion for anyone weighing up whether helping their child could put their own future at risk. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Christmas often brings families together for the first time in months, and it can also highlight changes in ageing parents that are easy to miss during the year. In this episode, Nathan and Jordan explore what to look for when you notice Mum or Dad might not be coping, how to approach sensitive family conversations, and how to plan Christmas when a parent is already in aged care. They cover practical signs of cognitive or physical decline, the emotional weight of the season, navigating family dynamics, deciding whether leaving the facility is appropriate, and how to manage roles, expectations and care needs. A clear, compassionate guide for families navigating aged care during the holidays. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Many women approaching retirement wonder whether to stay in the family home or move into a retirement or lifestyle village. In this episode, Nathan and Jordan break down how these arrangements work, the fees involved, what to watch out for in contracts, and how to protect yourself from common pitfalls. They also explore the social, financial and wellbeing benefits when retirement villages are the right fit. If you have ageing parents or you're planning your own next stage, this episode will help you ask the right questions with confidence. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au   The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

In this episode, Nathan and Jordan explore the emotional and financial crossroads many women face when their children move out. They unpack the guilt around reducing financial support, the shift toward prioritising retirement, and why scarcity becomes real the closer you get to finishing work. They discuss how to assess whether ongoing help for adult kids is sustainable, how to avoid unintentionally sacrificing your own future, and how a financial plan can clarify what's possible. They also explore downsizing, blended family pressures, and why putting yourself first is not selfish; it's necessary. Based on real client stories, this episode will help you rethink support, boundaries, and the path toward a secure retirement. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.