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  • 004 Using your Super to pay your Mortgage

    004 Using your Super to pay your Mortgage
    2025/05/19
    In this episode, Nathan Fradley and Jordan Varka explore the complex decision of whether to pay off a mortgage using superannuation. This is a common question for financial advisers, balancing the financial aspects: the fundamentals of superannuation, preservation age, tax implications, and with the personal and emotional considerations such as work stress or financial pressure or lifestyle creep. The conversation emphasizes the need for professional advice due to the nuanced nature of these financial strategies, particularly in relation to Centrelink and pension phase. takeaways
    • Understanding your own financial circumstances is crucial.
    • Superannuation is a tax structure designed for retirement savings.
    • The tax rate within super is significantly lower than personal tax rates.
    • Decisions should not be made solely based on tax benefits.
    • Accessing superannuation is subject to preservation age rules.
    • Employment status affects access to superannuation funds.
    • Converting super to a pension can have tax implications.
    • Personal feelings and financial stress play a significant role in decision-making.
    • Centrelink assessments can impact superannuation strategies for couples.
    • Professional advice is essential for navigating complex financial decisions.
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    24 分
  • How does Aged Care work in Australia?

    How does Aged Care work in Australia?
    2025/05/15
    Summary This episode provides an introductory overview of aged care in Australia, discussing the different types of aged care services, the assessment process, and the financial implications involved. The conversation highlights common misconceptions about aged care, the importance of home care, and the emotional challenges families face when making decisions about care for their loved ones. Takeaways The aged care system in Australia is federally funded and begins at age 65.Aged care is divided into home care and residential care.Retirement villages are not regulated by the aged care system.Home care allows for assistance while remaining in one's home.Assessments are necessary to access aged care services.The assessment process can take time, but immediate needs can be addressed in hospitals.Families should discuss aged care options before a crisis occurs.Residential care is for individuals needing 24-hour supervision.Costs of aged care can be significant and vary widely.Emotional considerations play a crucial role in aged care decisions. Chapters 00:00 Introduction to Aged Care in Australia 02:54 Understanding Aged Care Services 06:02 Home Care vs. Residential Care 09:00 Navigating the Aged Care Assessment Process 11:56 Financial Aspects of Aged Care 14:59 Understanding Aged Care Costs 18:06 Emotional Considerations in Aged Care Decisions 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.
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    25 分
  • [002] The Light at the End of Tunnel of Divorce

    [002] The Light at the End of Tunnel of Divorce
    2025/05/13

    In this episode, Nathan Fradley and Jordan Vaka discuss the emotional and practical aspects of navigating life after separation or divorce. They emphasize the importance of understanding the grief process, making strategic decisions, and the role of professionals in guiding individuals through this challenging time. The conversation highlights the significance of visualizing life after separation, empowering oneself with knowledge, and maintaining focus on personal values and goals. The hosts provide insights on how to manage emotions and expectations while looking ahead to a brighter future.

    00:00 Navigating the Tunnel of Separation 03:07 Understanding the Grief Process 06:07 Making Strategic Decisions 08:50 The Role of Professionals 12:00 Visualizing Life After Separation 15:03 Empowerment Through Knowledge 18:10 Values and Decision Making 21:11 Managing Emotions and Expectations 24:01 Looking Ahead: The Path Forward
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    26 分
  • 000 Welcome to the Podcast

    000 Welcome to the Podcast
    2025/05/15

    An short introductory episode, where our hosts Nathan and Jordan take you through what you can expect from this podcast, and why they wanted to make it.

    Nathan:

    advice@nathanfradley.com.au

    www.nathanfradley.com.au

    Jordan:

    jordan@planningsolo.com.au

    www.planningsolo.com.au

    The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

    Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

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    5 分