Financial Autonomy

As a parent, providing your child with the best possible education is core business. This week I'm talking to Marie Van Asch of Futurity about education funding solutions. This was a great discussion, hope you enjoy it.

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It's not uncommon for our clients to want to assist their children to get into the property market. Particularly in our major capital cities, we all know that prices are at levels that make it very difficult to accumulate an appropriate deposit and be able to service the level of debt required.

Usually, parental assistance in the property market is achieved through a gift, or a lump sum of money to supercharge the deposit. Sometimes, parents might go guarantor on a loan, with all the risk this entails.

Recently I've been working with some clients who have a slightly different take on how they would like to help their kids. In the medium term, they do want to be able to assist their children to get into the property market. But in the short term, their priority is about helping them transition from living in the family home to becoming independent adults.

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This week to explore when you should be taking some time to look at your personal insurance.

Appropriate insurance is an essential financial safety net, but we want to have the right levels of cover - not too much, and not too little - because insurance costs money, and that’s money you can’t use for other things like growing your wealth.

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The Australian share market has gotten off to a great start this year. Indeed the last 12 months have been fantastic. If you've been following along via the gaining choice email you will know that over the last 12 months, investors in the Australian market have gained around 11% inclusive of dividends whilst those investing in the US market are down about 6.5%, again inclusive of dividends.

The ASX’s outperformance is a distinct break from what we've seen over the last decade or more. What's going on and will it continue? That's what we'll be discussing in today's episode.

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This week joining me on the podcast is Shelley Johnson, who, in addition to hosting the My Millenial Career podcast, recently co-authored a book with a friend of the podcast, Glen James from My Millenial Money. Their new book is called Sort Your Career Out.

This is a great fit with our goal of gaining choice, which very often relates to issues around our paid employment - a career change, going back to study, or perhaps taking a sabbatical and doing some travel. So I’m looking forward to having a great discussion with Shelly today.

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How can you find the right balance between enjoying life today, and having that wonderful lifestyle, versus the delayed gratification of saving and investing to achieve bigger, long-term goals?

That’s what we’ll explore in this week's Financial Autonomy podcast.

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One of the most common reasons for a new client joining us here at Guidance is due to the receipt of an inheritance, whether a traditional one upon the passing of a close family member, or increasingly frequently, an early inheritance where the family member has determined that they have assets in excess of their needs and wish to see their loved ones enjoy the gift during their lifetime.

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We're all familiar with traditional investments - stocks, property, term deposits. But there is a whole other universe of investments that get broadly bracketed together as "Alternative" investments. Alternatives could be classic cars, collectibles like guitars, stamps or coins, cryptos, futures funds, private equity, and precious metals.

The rationale is diversification, but even more important than diversification is correlation of returns, the idea being that alternative investments operate on different cycles to your other investments.

In this episode I chat with Maxwell Nee from UK based Oneo Group about investing in wine and whisky.

Important to highlight that our guest represents a company that is not registered or licensed in Australia. The information shared in this podcast is not advice and in no way should it be interpreted that Paul recommends or endorses this company.

Link to more details about Wine & Whisky Investing: https://lp.oenogroup.com/aus/

The new year has arrived, you’re re-charged, it’s time to release the hand brake and get moving!

Welcome back to another episode of the Financial Autonomy podcast, where our goal is to help you gain choice in life – perhaps that’s the choice to cut back to working 3 days per week, maybe it’s making a career change, or being able to retire at 60 and travel around Australia. Whatever the choice it is that you are seeking, this week’s episode should help ensure 2023 is a year where you make strong positive strides in the right direction.

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Taylor Riley is a young business dynamo having established multiple businesses already, and he hasn't even hit his mid 20's.

In this interview, we discuss content creation, the law of reciprocity, and control as a vehicle to gain choice. I'm sure you're going to love this one.

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