The Grass is Greener: Recent Episodes
Tim Henry
Join financial adviser Tim Henry as he discusses your everyday challenges, inspires and educates you to make awesome personal and financial decisions.
In this short but powerful episode, we dive into the critical topic of Binding Death Nominations (BDBN) and why they matter for your superannuation. Unlike your will, your super doesn’t automatically go to your chosen beneficiaries unless you’ve completed a valid BDBN. Learn how to take control, avoid trustee discretion, and ensure your loved ones receive what you intend.
What You’ll Learn:
-What a Binding Death Nomination (BDBN) is and why it’s essential
-Who can legally be nominated as beneficiaries
-How to correctly complete and validate a BDBN form
-Common mistakes and misconceptions to avoid
-Why reviewing and updating your nomination matters
Action Step:
Check your super fund today—download the BDBN form, complete it properly, and secure your family’s financial future.
In this heartfelt episode, Helen Nolan (CEO) shares the origin and impact of the Shane Warne Legacy, a foundation launched in honour of the late cricket legend. Helen recounts how the foundation began with a dream and quickly grew into Australia’s largest health screening event.
We discussed:
- How Shane’s passing inspired a movement for free health checks across Australia.
- The foundation’s partnerships with SiSU Health, La Trobe Health Services, and Diabetes Australia.
- The surprising statistics around men’s health and the rise in screenings since the initiative began.
- Real stories of lives changed—including one saved on the very day the foundation launched.
- The importance of recognising subtle symptoms of heart disease, especially in women.
- How the foundation is expanding into regional areas and major events like Boxing Day and Gather Round.Visit https://shanewarnelegacy.com to find your nearest health station and take four minutes that could change your life.
Connect with Helen:
https://www.linkedin.com/in/helen-nolan-5679b4/
In this episode, we chat to Jenny Pearse (Marketing Consultant) and Nadia Docker (Compliance Expert) - to unpack what really matters when choosing a Financial Adviser. From communication style and credentials to compliance, scams, and digital presence, this conversation is packed with practical tips and real-world insights.
What We Cover:
✅ What to look for in a financial advisor (and what to avoid)
🧠 Why communication style and values alignment matter
📋 The standard six-step advice process explained
🚩 Red flags: product-pushing, rushed advice, call centre setups
🔍 How to use ASIC registers, advisor ratings, and Google to vet advisors
📱 The role of digital presence—and how to spot misleading content
💬 Why testimonials, reviews, and real stories matter
🧭 How to make informed, confident decisions about your financial future
Connect with Jenny
https://www.linkedin.com/in/jennypearse/
Connect with Nadia
https://www.linkedin.com/in/nadiadocker/Jenesis
https://www.jenesis.net.au/
Kinetic Compliance
https://www.kineticcompliance.com.au/
In this episode, Vanguard's Senior Investment Specialist, Libby Newman returns to share her deep expertise in investments, index funds, and Vanguard’s long-term philosophy. She explains how index funds offer broad market exposure and why they’re a smart starting point for investors. Libby also breaks down the difference between ETFs and managed funds, emphasising that (Within Vanguard Funds) both are simply structures for accessing the same underlying investments.
The conversation explores market cycles, emotional investing, and the importance of staying the course—especially during downturns. Libby highlights Vanguard’s mission to make investing accessible and cost-effective, including their unique structure that returns profits to investors through lower fees.
In this solo episode of The Grass is Greener, host Tim Henry dives into the essentials of superannuation and why it's time to take charge of your financial future. From recent controversies involving Shield and First Guardian to practical steps for checking your super via myGov, Tim breaks down the myths, the mechanics, and the must-dos.
What you'll learn:
- Why superannuation is more secure than you might think
- The role of APRA in regulating super funds
- How to use myGov to track and manage your super
- Understanding investment options: growth vs. defensive assets
- The importance of checking your insurance before switching funds
Tim also previews upcoming episodes featuring strategies for superannuation, red flags in investment schemes, and how to find the right financial advisor.
In this episode, we sit down with Suzanne Alexander, founder of Mindful Finances, to explore the deep connection between money, emotions, and personal values. Suzanne shares her journey from farm life to financial advisor and how her passion for understanding the psychology of money led her to redefine wealth. We unpack how true wealth is more than just numbers — it’s about alignment, choice, and emotional well-being. From the power of self-awareness to the importance of community and contribution, this conversation is a must-listen for anyone looking to craft a more intentional and fulfilling financial life.
Key Topics:
•The emotional and psychological side of money
•Why wealth is an inner journey
•How to align money with your values
•The myth of money as the sole path to happiness
•Creating your own definition of success and abundance
Mindful Finances Website
https://mindfulfinances.com.au/
Suzanne Alexander Linkedin
https://www.linkedin.com/in/suzanne-alexander-mindful-finances/
Vision and Values Exercise
https://bit.ly/3BdXe36
In this episode, we sit down with Lucy Percy, estate planning lawyer and founder of Head and Heart Estate Planning, to explore the powerful benefits of a Testamentary Trust Willand how it differs from a standard Will. Lucy breaks down the key advantages of Testamentary Trusts, including:
-
Tax effectiveness for beneficiaries, especially minors
-
Asset protection from creditors, divorce, and financial mismanagement
-
Greater control over how and when assets are distributed
-
Flexibility for families with complex needs or blended structures
We also discuss common misconceptions, when a Testamentary Trust is most appropriate, and how it can be a smart move for long-term wealth preservation.
Whether you're planning your own estate or helping a loved one, this episode offers practical insights to help you make informed decisions.
Head and Heart Estate Planning:
https://www.headandheartestateplanning.com.au/
Aspire's Estate Planning Service & Resources:
https://www.aspireplanning.com.au/estate-planning
The process of divorce can be a challenging one, of course this differs for everyone. What are the specific things that confront people (especially women) when they start to divorce? How do you move forward positively and with more confidence despite undertaking this sometimes time arduous process. Heidi Schwegler from AFS Financial and Jordan Vaka from Planning Solo discuss these challenges and provide valuable insights for people at any point in the divorce process.
Connect with Heidi
https://www.linkedin.com/in/heidi-schwegler-9a8a7233/
Connect with Jordan
https://www.linkedin.com/in/jordan-vaka/
AHS Financial
https://www.ahsfinancial.com.au/
Planning Solo
https://www.planningsolo.com.au/
TGIG Live Event:
Tuesday, 27 May 2025 - The Grass is Greener LIVE - Dream it, Live it - Your Dream Retirement
Do you have any form of Life Insurance? If you do, how does it align with your current stage of life?
Our needs for Life insurance evolve as we move through different stages. Serena West is a Financial Adviser with MBS insurance and comes on to discuss the various types of Life Insurance and how the need for these may change throughout your life.
We discussed these needs for: Young Singles / Couples, Starting a Family, Mature families and Families with Adult children.
Connect with Serena
https://www.linkedin.com/in/serena-west-a2802152/MBS Insurance
https://mbsinsurance.com.au/
TGIG Live Event:
Tuesday, 27 May 2025 - The Grass is Greener LIVE - Dream it, Live it - Your Dream Retirement
As we watch our parents age, it becomes clear that ageing is a natural part of life, bringing inevitable changes. While we can’t control every aspect, we can take proactive steps to support them with a well-structured plan that aligns with their vision for ageing gracefully.
Embracing this proactive approach provides an increased confidence and a sense of assurance. Moreover, it provides peace of mind for the whole family, knowing that thoughtful and considerate choices have been made to safeguard their well-being and independence.
Jo Newman from Care & Living with Mercer joins us to discuss the ageing journey. Care & Living with Mercer is a unique service helping ageing Australians and their carers understand and more easily access care and living options.
Jo provides valuable obesrvations and insights on how a practive approach can be so beneficial for families.
Website - Care and Living with Mercerhttps://careandliving.mercer.com.au/home
Website Aspire Planning - Supporting Ageing Parents
https://www.aspireplanning.com.au/supporting-ageing-parents
TGIG Live Event:
Tuesday, 27 May 2025 - The Grass is Greener LIVE - Dream it, Live it - Your Dream Retirement
Each year Futurity Investment Group publishes a comprehensive report on the Cost of Education across Australia. The report not only survey's parents about their spending behaviour but also how they are feeling how the costs and managed within their own situation.
Sarah McAdie is the Executive GM at Futurity. Sarah discusses the 2025 report, including the key numbers and emerging trends.
Futurity Investment Group
https://www.futurityinvest.com.au/
Cost of Education Report 2025
https://bit.ly/4jcj1vb
Cost of Education Calculator
https://www.futurityinvest.com.au/education-saver/cost-of-education-calculator
Upcoming TGIG Live Event:
Tuesday, 27 May 2025 - The Grass is Greener LIVE - Dream it, Live it - Your Dream Retirement
We all have many life & family goals. Some of these are out on the mid-to-long term horizon.
Have you considered how you will fund these goals? Refinancing via your mortgage is a very solid option.
Michael Lawes from Circle Finance Group talks us through the opportunities presented by Refinancing and the importance of being proactive with your planning!
Circle Finance Group
https://circlefg.com.au/
TGIG Live Event:
Tuesday, 27 May 2025 - The Grass is Greener LIVE - Dream it, Live it - Your Dream Retirement
In this episode, Tim chats to Kim Payne about the concept of "Vision" and its profound impact on our lives.
Kim discusses how having a strong and connected vision can inspire and motivate individuals, while the absence of a clear vision can lead to feelings of uncertainty.
Kim reflects on her own experiences and interactions with her own clients with real life examples of the positive impact of a clear vision.
Kim Payne
https://kimpayne.com.au/
Vision and Values Exercise
https://bit.ly/3BdXe36
What changes are you wanting to make in your life in 2025? Need some inspiration to get started?
At this time of year, many of us reflect on our own fitness or levels of physical activity and set intentions for the year ahead.
Jack Geddes from Linked Training and Nutrition discusses the importance of getting those new small habits to stick as a key element to making big changes.
Linked Training & Nutrition
https://thelinkedstudio.com.au/
On 12 September 2024 the Government responded to the Aged Care Taskforce and introduced the Aged Care Bill 2024 into Parliament.
The aged care reforms will make significant changes to the cost of residential aged care and home care from 1 July 2025.
Shaun Ganguly is the founder of Aged Care Financial Planning specialising in Aged Care Financial Advice.
Shaun discusses the new rules and highlights the areas of most impact for people who are considering the need for residential aged care in future.
Aged Care Financial Planninghttps://agedcfp.com.au/
Do you have a Gen Z child (or adult)?
It is likely that Superannuation will be a vital and large component of their wealth in 30,40,50 years' time.
However, there is a very large segment of Gen Z that haven't engaged with their Super at all.
Financial adviser Dawn Thomas is currently undertaking a PhD on this topic. Specifically, the critical role that parents play in shaping their children's perspective on Super.
Dawn discusses the key decisions that you can easily make to assist your Gen Z to start starts well on their Superannuation journey.
Moneysmart - Choosing Super
https://moneysmart.gov.au/how-super-works/choosing-a-super-fundhttps://www.linkedin.com/in/dawn-d-thomas/
Are you feeling financially fatigued?
These past few years have been financially stressful. In particular, dealing with skyrocking prices for general living needs, plus rental and mortgage rate increases.
Karen Eley from Women Talking Finance provides valuable insights into how you can equip yourself to deal with financial stress.
Karen discusses the stressor responses that she observes in these situations and provides valuable tools to help you make small but positive changes.
What does retirement looklike, once you are on the other side of your working life? Australia's market leading Annuity provider - Challenger Limited wanted tobetter understand what makes a happy retirement. In 2024, it undertook consumer research amongst its own customers and also thewider public and has summarised these findings in the "ChallengerRetirement Happiness Index"Carly O'Keefe (GM of Marketing at Challenger) joins us to discuss thesevaluable insights into the retirement years and that various elements thatcontribute to happiness.Retirement Happiness Indexhttps://bit.ly/3C4OmQlChallenger Limitedhttps://www.challenger.com.au/
Elevating your life doesn't just happen - it comes from within. You are the leader of your own life and it starts with taking action!
Executive Life coach Shannah Kennedy and former Sportsgirl CEO Colleen Callander present ELEVATE - the groundbreaking book that empowers you to rise from ordinary to extraordinary one step at a time.
Tim chats to Shannah and Colleen about their brand new book ELEVATE as well as their individual journey and experiences.
Elevate is available from 5th December 2023 in all bookstores.
Human Elevation
https://www.humanelevation.com.au/
ELEVATE Worksheets
https://bit.ly/47Wy6LR
Inspiration comes via everyday moments. Its what we do with it that counts!
This week we chat to Lisa Cotton, founder of HEADLOKT - the first helmet that is a lock!
Lisa Cotton takes us on her inspiring journey from pandemic lockdown in Melbourne - via her lightbulb moment - onto this current day where she has launched an award winning product.
Lisa and Tim discuss the moments that led up to the birth of Headlokt and how the process of bring her Vision to life is providing Lisa with a true purpose and excitement.
Headlokt
https://www.headlokt.com/
Once you are retired there is definitely a need to consider how your assets will provide you with an income.
This is where Annuities play their role so well.
Jodie Davis from Challenger Limited talks about how Annuities can help those in retirement to provide enhanced certainty with their income.
Challenger
https://www.challenger.com.au/
We know that Superannuation is an extremely compelling option for retirement savings. But there certainly are other products out there that can be valuable when used in concert with Super.
Investment Bonds fit this role very well! Felipe Araujo, General Manager at Generation Life discusses this topic with Tim.Specifically, how Investment Bonds operate, why government changes to Super has sparked an interest in Investment Bonds and how we can use Investment Bonds as part of our retirement planning.
Generation Lifehttps://genlife.com.au/
https://www.linkedin.com/in/felipe-araujo-3952903a/
'Successful investing is about managing risk, not avoiding it'
The world is going through a huge phase of adjustment right now. It might feel like a dangerous time and you might feel unsafe being exposed to any perceived or real 'risk'.
But there is a well-established principle that investors can generally expect for there to be four different economic seasons in the economy:
Rising Prices (Inflation)- Spring
Low inflation (or Deflation) - Summer
High economic growth - Autumn
Low economic growth - Winter"
This week we chat about the various Investment Asset classes and how you can assess your exposure to this via your Super and/or Investments.
We look and how each asset class is likely to perform in each of the economic seasons.
The Sandwich Generation refers to those in their 50'sand 60's who are 'sandwiched' between their young adult children on one side and their ageing parents on the other.
Just when they thought life might have been getting easier, they find themselves with a lot to think about - including their own retirement!
Marc Bineham has recently closed a phase of his life as a Financial Adviser, looking after clients for 33 years.
Inspirationally, Marc is now passing on all his years of experience and knowledge through his new business venture 'The Money Sandwich'.
Marc's coaching and courses are focused specifically to assist pre-retiree Australians feel in control of their financial position and allow them to retire comfortably and on their own terms.
Marc's book (THE MONEY SANDWICH) is a 'down to earth' guide for the SandwichGeneration on how to manage money better in their 50's and 60's.
And to top it off, Marc has also launched a fortnightly podcast - A BITE FROM THE MONEY SANDWICH - experts who can provide practical, easy-to-understand tips and tricks on your money and retirement.
The Money Sandwich
https://bit.ly/2YFSiDd
A Bite from the Money Sandwich
https://apple.co/3oUuZkf
https://www.linkedin.com/in/marcbineham/
"I am interested in Ethical Investing but it's too late for me".
As a financial adviser, I have heard this comment made many times. As you approach retirement you might wonder if its a reckless move to realign your investment values in the latter stages of your working career (or perhaps even once retired).
Stuart Robinson from Australian Ethical joins Tim to discuss Ethical Investment.
They discussed the core framework employed by Australian Ethical, specific cases to demonstrate how AE advocates for its causes and also 'busted' some myths about investment performance.
Australian Ethical Positions
https://www.australianethical.com.au/why-ae/our-positions/
Ethos ESG - Take an impact assessment
This episode is week 2 of two episodes discussing Superannuation fundamentals and strategies.
Award-winning financial adviser Sacha Burchgart joins Tim and this week they explore some of the great strategies available within Superannuation.
Sacha and Tim discuss:
- Age milestones of 60 and 65 for Super.
- Transition to Retirement Strategy.
- 5 Year carry forward Rule
- 3 year Bring Forward Rule
- Recontribution Strategies
These are all core strategies that if appropriate and aligned to your objectives,can provide great benefits.
Burchearthttps://burcheart.com.au/
This episode is week 1 of two episodes discussing Superannuation fundamentals and strategies.
Award-winning financial adviser Sacha Burchgart joins Tim and this week they do a "crash course" in some of the fundamentals of Superannuation.
Sacha and Tim discuss Investment Risk and how to stay focused on the long term, the impact of time on your Super and the types of contributions that can be made to Super.
Importantly for pre-retirees, the phases of Super and how to draw down on Super once retired.
Burcheart
https://burcheart.com.au/
When you retire, you may be eligible for government benefits such as the Age Pension or a concession card.
However, understanding your entitlements can be tricky for some situations. Dealing with Centrelink may also come with its challenges. Many people in Australia don't get all of the their entitlements.
Kerri Zerbst runs a business called KAZ Specialised Admin Services which aims help you take the stress out of working with Centrelink.
Kerri and Tim discuss the Age Pension, the various tests and thresholds that apply to entitlements, the Commonwealth Seniors Health Care Card, and the most effective methods of dealing with Centrelink.
KAZ Admin Serviceswww.kazadmin.com.au
Money Smart - Aged Pensionhttps://bit.ly/44tDd3V
You want to start your Full Time Living journey but need some inspiration to get started?
This week Natalie and Tim look more deeply into the 5 key ingredients for a healthy and connected life.
Natalie talks us through the importance of injecting fun, adventure and spontaneity into your vision before breaking down your steps and beginning to take action.
Natalie gives us an outline of her amazing 12-week program.
https://fulltimelives.com/womens-empowerment-program
Natalie Yan-Chatonsky is the founder and CEO of Full Time Lives and the author of The Art of Full Time Living.
Natalie collaborates with organisations that care about empowering women to choose how they work, live and play so that everyone has the opportunity to lead a happy and connected life.
Natalie chats to Tim about her purpose-driven quest to help women who are undertaking any midlife transition.
She also provides amazing insights from her many years of talking to women about what they want from their lives. Natalie and Tim discus the 5 key ingredients to live a healthy and connected life.
Buy the Book
https://fulltimelives.com/art-of-full-time-living https://www.linkedin.com/in/nat-yc/
One of the most common questions any Financial Adviser is asked is “how much do I need to retire?”
There is no secret! The answer is actually within reach of anyone, if they can establish what they want to spend.
This week we talk to Financial Adviser and Certified Money Coach, Catherine Belford.
Catherine discusses the her experience with her clients in helping them plan for retirement. In particular the importance of understanding your behaviours in relation to money.
Focused Wealth website
https://focusedwealth.com.au/
The Association of Superannuation Funds of Australia (ASFA) provides numerous resources for the superannuation industry and the general public.
Each quarter ASFA provides a comprehensive breakdown of expenses for both a 'comfortable' and 'modest' lifestyle in retirement.
Ross Clare is the Director of Research for ASFA and discussed how the Retirement Standard is complied and what is included. He also outlined how the past 12 months cost of living pressures have impacted these costs for retirees.
Super Guru website https://www.superguru.com.au/
ASFA Retirement Expenditure Breakdown
https://bit.ly/3rH7SwU
Vanguard Australia recently produced the report "How Australia Retires". A study exploring Australians' attitudes towards retirement and how they feel about this phase of life.
Vanguard's Head of Superannuation, Shannon Nutter, joined Tim to discuss the key findings of the report. Additionally they discussed the launch of Vanguard Super and the diverse retirement needs of Australian's.
How Australia Retires report: https://rb.gy/l5381
Andrew Rutter is the author of "My Future's So Bright I Gotta Wear Shares".
Andrew wrote the book after going through his own transition to retirement, finding that there was a scarcity of resources that were well aligned with Australian attitudes to lifestyle planning.
Whilst Andrew injects a fun element into our discussion, we talked about vital and importance aspects to planning your retirement such as - defining your purpose, creating a roadmap to achieve your dreams and the importance of goal setting and maintaining good habits.
The book is a practical workbook including 18 fun but life changing exercises, a signature Goal Setting tool, Planning checklists and Bucket List ideas designed and built for those seeking to live their best life in Retirement. Ruttsy's Website: https://www.ruttsy.com.au/
https://www.linkedin.com/in/andrew-rutter-24390a38/
We are back! And can't wait to launch our "Plan Your Retirement Series".
This week Tim discusses the components that go into a good retirement plan.
Of course, these components are both FINANCIAL and NON-FINANCIAL and over the next 12 weeks we will tackle these areas in detail.
Over the past 118 episodes we have chatted to some amazing guests and we have 'cherry- picked' the highlights from our favourite interviews, brining a different theme each week.
This week, our theme is "Your Children - Financial Resilience & Investing"
A significant portion of a child's money beliefs are basically formed by the age of 7.
What can parents of younger and older children do to help their children develop a healthy and empowered relationship with money?
Karen Eley is a Financial Coach from Women Talking Finance. Karen's wonderful insights on this topic will provide your family with some valuable tools.
Want to give your child a head start in life? Do you have funds already saved but wonder if you could get these funds to work a little harder?
An Investment Bond is well suited to the purpose of giving your child a financial head start.
Whilst you need to have a long investment horizon (ideally 10 years), an Investment Bond is well suited to the purpose of giving your child a financial head start.
We chat with Laura Salsbury from Generation Life to gain an better insight into how the Investment Bond works.
Over the past 117 episodes we have chatted to some amazing guests and we have cherry picked the highlights from our favourite interviews, brining a different theme each week.
This week, our theme is "Your Health & Wellbeing".
At this time of year we tend to reflect on how we finished the previous year. How would you rate your own physical, mental, emotional and social health?
The truth is there is so much we can do to take control of our own Health & Wellbeing. But it does require us to be intentional with our time and activities.
During 2022, there were 2 wonderful guests who mapped out some really valuable insights and tips regarding our own Wellbeing.
Sasha Carey from AIA Vitality and Jay Pottenger from EQ Minds.
We guarantee you will be able to take a few or many tips from these interviews to put into practice in 2023.
https://www.linkedin.com/in/sasha-mundy-carey-9b8682114/
https://www.linkedin.com/in/jaypottenger/
Over the past 116 episodes we have chatted to some amazing guests and we have cherry picked the highlights from our favourite interviews, brining a different theme each week.
This week, our theme is "Why set goals?"
Goals are touted constantly as the saviour to giving us purpose and keeping us on track.
We 'go back to basics' on Goals and Goal Setting. Why set goals in the first place? Why do goals need to be personal? What does a good goal look like?
Simon Chodziesner is a Facilitator and Performance Coach and works with businesses and individuals to help them articulate their vision and create actionable steps to achieve it.
We also discussed Simon's running achievement from 2015 - running the length of Ireland - yes, the country - 570km in 18 days.
Tim discusses the 7 conditions needed to achieve "Your Flow"
Over the past 115 episodes we have chatted to some amazing guests and we have cherry picked the highlights from our favourite interviews, bringing a different theme each week.
This week, our theme is "Who are you?"
When setting out to make 'big picture life plans', it can be difficult to confront big questions like, "who am I?", "what is my purpose?", "how do I want to feel?"
Our guest interviews include:
Amanda McMillan - Wellineux Founder & CEO,
Hector Garcia - Author of international best seller 'Ikigai'
Shannah Kennedy - Executive Life Coach and prolific Author
Amanda LinkedIn
https://bit.ly/3BDP03X
Hector LinkedIn
https://bit.ly/3FSI9q1
Shannah Kennedy
https://bit.ly/3FsWyrC
Welcome to a 4-part series that delves into each of the four Life Insurance products - Death Cover, Total & Permanent Disability, Income Protection and Trauma insurance.
This week our topic is Life Cover Insurance.
Financial adviser, Cameron Peck from Safeguard Life explained the importance of making an informed and deliberate decision about Life Cover.
Cameron discussed the various factors to consider when assessing how much Life Cover is required as well as the options on how you can pay for the insurance.
Safeguard Life website
http://bit.ly/3uJ9UuT
https://www.linkedin.com/in/cameronpeck1/
Welcome to a 4-part series that delves into each of the four Life Insurance products - Death Cover, Total & Permanent Disability, Income Protection and Trauma insurance.
This week our topic is Total & Permanent Disability Insurance.
Financial adviser, Phil Thompson from Syke Wealth explained the various definitions of TPD, how we helps his clients claculate what they need and some real life examples of how TPD will help his clients.
Adam Crabbe from Zurich provided some excellent insights along with some examples about how the important role of TPD.
Skye Wealth
https://www.skye.com.au/
Connect with Phil
https://www.linkedin.com/in/philjthommo/
Zurich
https://bit.ly/3XQUe66
Connect with Adam
https://www.linkedin.com/in/adamcrabbe/
Welcome to a 4-part series that delves into each of the four Life Insurance products - Death Cover, Total & Permanent Disability, Income Protection and Trauma insurance.
This week our topic is Income Protection Insurance.
Financial adviser, Clinton Teitz from FCA Financial us really valuable insights into the definition and role of Income Protection insurance in addition to some real life examples of how it helped his clients.
Robert Powell from TAL steps in to provide the key statistics relating to claims paid on Income Protection insurance
FCA Financial
https://bit.ly/3g7Ctyi
TAL
https://www.tal.com.au/
Connect with Clinton Teitz
https://www.linkedin.com/in/clinton-teitz-33390414/
Welcome to a 4-part series that delves into each of the four Life Insurance products - Death Cover, Total & Permanent Disability, Income Protection and Trauma insurance.
This week our topic is Trauma Insurance.
Financial adviser, Jodie Douglas from Mad About Life gives us a fantastic insight into the definition and role of Trauma insurance in addition to some real life examples of how it helped her clients.
John Giannikos from AIA steps in to provide the key statistics relating to claims paid on Trauma insurance.
https://www.linkedin.com/in/john-giannikos/
Mad About Life
https://bit.ly/3WI2y7x
AIA Australia
https://www.aia.com.au/
Connect with Jodie:
https://www.linkedin.com/in/jodie-douglas-b0247946/
The recent data breaches at Optus and Medibank have brought our potential Cyber vulnerabilities into the spotlight.
Earlier this year, Tim interviewed Fraser Jack, from the Cyber Collective and discussed the actions that we need to take to ensure that we reduce the risk of a Cyber attack in the home.
Phishing - how to recognise and react.
What 'not to do' on Social Media
Risks with disposing of old computers
Improving the safety of Internet Use
Response Plan - steps if you suffer a Ransomware attack
The Cyber Collective
https://www.thecybercollective.com.au/
Response Steps for Ransomware Attack
https://bit.ly/3AIDLrt
Connect with Fraser Jack:
https://www.linkedin.com/in/fraserjack123/
The recent data breaches at Optus and Medibank have brought our potential Cyber vulnerabilities into the spotlight.
Earlier this year, Tim interviewed Fraser Jack, from the Cyber Collective and discussed the actions that we need to take to ensure that we reduce the risk of a Cyber attack in the home.
Phishing - how to recognise and react.
What 'not to do' on Social Media
Risks with disposing of old computers
Improving the safety of Internet Use
Response Plan - steps if you suffer a Ransomware attack
The Cyber Collective
https://www.thecybercollective.com.au/
Response Steps for Ransomware Attack
https://bit.ly/3AIDLrt
Connect with Fraser Jack:
https://www.linkedin.com/in/fraserjack123/
3 in 5 Australians say they care deeply about environmental issues, yet only 1 in 5 hold responsible investments.
One possible reason for this misalignment is that many people don't understand Ethical investment.
Also, they may not know how to measure their Super fund against their OWN ethical values.
This week we define Ethical Investing, provides some really interesting insights on how the Australian population view Ethical Investment and explore tools that can help you measure Super Funds against your values.
Ethos ESG / Aspire - Impact Assessment
https://bit.ly/3TyRHuv
Responsible Returns
https://bit.ly/3oMwTTc
Netwealth
https://www.netwealth.com.au/web
3 in 5 Australians say they care deeply about environmental issues, yet only 1 in 5 hold responsible investments.
One possible reason for this misalignment is that many people don't understand Ethical investment.
Also, they may not know how to measure their Super fund against their OWN ethical values.
This week we define Ethical Investing, provides some really interesting insights on how the Australian population view Ethical Investment and explore tools that can help you measure Super Funds against your values.
Ethos ESG / Aspire - Impact Assessment
https://bit.ly/3TyRHuv
Responsible Returns
https://bit.ly/3oMwTTc
Netwealth
https://www.netwealth.com.au/web
Thanks for joining along with us the past 4 weeks of the 30-Day Savings Challenge.
This week Tim & Karen talk to two of our Money Mentees - Sophie & Shannan.
They tell us how they found the process, the challenges and the wins.
Sophie and Shannan also tell us what they loved about the challenge and what they’ve taken away and achieved.
Measuring your savings progress is a vital component of you plan.
This is a process of Measure, Manage, Adjust, Repeat!
This week Karen and Tim discuss how frequently you should measure your progress, how to bring some fun and engagement to your progress meetings and how to deal with 'slip ups'.
This week Tim and Karen tackle the topic of how to bridge the gap between where you are today and where you want to be tomorrow.
If you have worked through the exercises in the initial 2 episodes, you will have established your cashflow surplus or deficit.
It is now time to start putting that surplus to work - building toward your goals.
Karen explores 5 common 'money blocks'
that many people possess, Financial Fears.
We have discuss two fantastic exercises:
- Mental Contrasting Exercise
- Quiz - What is your Money Type?
Week 3 Exercises
https://bit.ly/3M3V9L3
Take Money Type Quiz
https://bit.ly/2QA29qn
In week 2 of our 30-Day Savings challenge, we help you get clear on where you are today, financially, and learn the money metrics to measure your financial health.
How much do you actually spend? This week we help you 'get real' on this figure.
Karen discusses the importance of measuring and tracking your Net Worth and how to do this.
Tim & Karen discuss their different approaches to cashflow measurement and implementation.
We provide you with resources to measure your Spending and your Net Worth
Karen's Cashflow Calculator
https://bit.ly/3BQ0mCH
Tim's Budget Planner
https://bit.ly/3Sh0zEl
Our Money & Wealth Planner
https://bit.ly/3QQg8Bt
https://www.linkedin.com/in/karen-eley-womentalkingfinance/
In week 2 of our 30-Day Savings challenge, we help you get clear on where you are today, financially, and learn the money metrics to measure your financial health.
How much do you actually spend? This week we help you 'get real' on this figure.
Karen discusses the importance of measuring and tracking your Net Worth and how to do this.
Tim & Karen discuss their different approaches to cashflow measurement and implementation.
We provide you with resources to measure your Spending and your Net Worth
Karen's Cashflow Calculator
https://bit.ly/3BQ0mCH
Tim's Budget Planner
https://bit.ly/3Sh0zEl
Our Money & Wealth Planner
https://bit.ly/3QQg8Bt
https://www.linkedin.com/in/karen-eley-womentalkingfinance/
Money needs direction and purpose. Knowing what you value and being intentional about how you want to live your life and align your money is one of the first steps to taking control over your money.
In week 1 of the 30 Day Savings Challenge, Karen & Tim discuss the importance of having a very strong foundation for your goals.
Karen explores how to get in touch with the Values that are most important to you via a wonderful Values Exercise.
Tim runs through a series of thought prompters to help you build a Vision and articulate your future Dreams.
Vision, Values & Wheel of Life Exercise
https://bit.ly/3BdXe36
https://www.linkedin.com/in/karen-eley-womentalkingfinance/
https://www.linkedin.com/in/henrytim/
Women Talking Finance Website
https://bit.ly/3gI0bz0
Aspire Planning Website
https://bit.ly/3n2OEfj
They say that 'your focus determines your reality'. Our modern existence is full of distractions such as smart phones, emails, phone calls and unproductive meetings.
Do you feel focused on the things you need to achieve?
Jay Pottenger from EQ Minds discusses 'How to Focus to be more Productive'.
Jay Pottenger, General Manager at EQ Minds
Jay is a speaker and General Manager at EQ Minds. For 15 years, he worked with companies such as Westpac and Deutsche Bank across various business development and leadership roles. Since joining EQ Minds in 2019 he has worked with high-profile clients including eBay, Estee Lauder, Woolworths and IAG.
EQ MINDS was created to educate and empower people to prioritise and care for their mental health.
EQ MINDS has become a destination frequented by many busy minds seeking out tools and resources to bring calm, nourish the mind and optimise mental health and wellbeing to improve quality of life.
EQ Minds Website
https://www.eqminds.com/
https://www.linkedin.com/in/jaypottenger/
Trying to put children (sometimes multiple) through 12 years of education takes a big commitment. And in todays world, especially now we have increased cost of living, we need to try and optimise any advantage we can.
This week we explore the benefits of an Education Bond with Amy Parsons.
Amy and Tim discuss the technical aspects of Education Bonds and the specific benefits that they aim to deliver.
We also discuss the emotional benefits that a solid savings framework can provide to us (within a hectic lifestyle) and also how an Education Bond can assist with a "family approach' to education funding.
Insights - Understanding investing for Education
https://bit.ly/3dW6dN4
Investing in Education - Preparing emerging generations
https://bit.ly/3wxQhHf
One of the most common goals we hear from people is that they want to give their kids the best possible start in life - a desire to provide them with a great education. education.
This desire is generally coupled with the follow up question, can we actually afford to do this? And if so, how?
This week we discuss the starting points with Education Planning. What is the fee commitment you aspire to provide? For how long does this plan run? What is the age profile of your children?
Education Funding Spreadsheet
https://bit.ly/3Algry0
The Cost of Education in Australia
https://bit.ly/3QNb2qq
Connect with Tim: https://www.linkedin.com/in/henrytim/
"How much do I need to retire"? This is the most asked question of any financial adviser.
Of course, the answer is unique to your situation and there are many variables to consider.
This week Tim talks through the process that he undertakes with his clients when working with them on a Retirement Plan.
ASFA Standard
https://bit.ly/3JOTWGk
Aspire Planning (Retirement PDF)
https://bit.ly/3m6nzp8
Connect with Tim: https://www.linkedin.com/in/henrytim/
Self-care is often the first thing that gets sacrificed when life is busy and stressful, and people often think that taking time fir themselves seems indulgent.
Sasha Carey from AIA Vitality joins us to helps us understand what is Self Care and why it is so important to our everyday health and wellbeing.
Sasha uses a really good structure - the '6 Pillars of Self-Care' - to help us think about the different segments of our day to day life and how we can impact these with positive actions.
AIA Vitality - 6 Pillars of Self care
https://bit.ly/3vtsbNk
Black Dog institute importance of Self-Care
https://bit.ly/3bla2KQ
https://www.linkedin.com/in/sasha-mundy-carey-9b8682114/
Life is busy! There are no shortage of many commitments, obligations, bills, etc etc.
But as we know, life is much more than just existing. It has never been more important to give ourselves the space to brainstorm and think freely about our dreams and the adventures we want in our lives.
Peita Diamantidis is a Financial Adviser (Caboodle Financial Services), Presenter and Author. Peita is a huge advocate for living a life of adventure.
Peita chats to us about the power of tapping into your own Dreams and what happens for people when they do this!
Peita also chats about - 'The Imaginarium' - an awesome resource that Peita has developed for her clients.
Caboodle Financial Services
https://www.caboodlefs.com.au/
https://www.linkedin.com/in/peitamd/
Understand why and what Digital Assets you will need to pass on access and control of to your trusted people in an emergency or death.
It's time to stop burying your head in the sand, and face up to the critical role and information digital accounts play in our modern lives, and take control of the wild jungle that is your digital life!
Lucy Percy is an Estate Planning solicitor (Head & Heart Estate Planning) and she has started designing the Ultimate Digital Asset Checklist - a document that allows you to start the process of listing all of your digital assets.
This is an invaluable activity - and we all need to do it!
Head and Heart Estate Planning https://bit.ly/3yUGDxG
The Ultimate Digital Assets Checklist https://bit.ly/3Pq6PZo
https://www.linkedin.com/in/lucypercy/
We are all very aware of the need to be Cyber-aware and Cyber Secure. But what are the actions that we need to take to ensure that we reduce the risk of a Cyber attack in the home?
Fraser Jack from the Cyber Collective discusses aspects of Cyber Security that pertain to the home such as:
Phishing - how to recognise and react. What 'not to do' on Social Media Risks with disposing of old computers Improving the safety of Internet Use Response Plan - steps if you suffer a Ransomware attack
The Cyber Collective https://www.thecybercollective.com.au/
Response Steps for Ransomware Attack https://bit.ly/3AIDLrt
Connect with Fraser Jack: https://www.linkedin.com/in/fraserjack123/
When engaging a Financial Adviser, consumers want to have confidence that they will receive High Quality Financial Advice.
There are now very strong regulations in pace that govern the financial advice profession.
Head of Affinia Financial Advisers, Marcus O'Sullivan explains the role of a Financial Services Licencee.
Marcus also explains how the current regulations flow through to benefit consumers and also provides guidance on the necessary homework to be done before engaging with a Financial Adviser.
ASIC MoneySmart Financial Adviser Register: https://bit.ly/3IkvkEh
Affinia Financial Advisers https://www.affinia.com.au/
Reach out to Marcus: https://www.linkedin.com/in/marcus-o-sullivan-6a97a844/
A new financial year has arrived, and with it a number of new Superannuation rules.
Many of the new changes are really positive and the beneficiaries include low income earners, first home buyers and those aged over 67.
The start of financial year is also a time to think ahead about how you want to structure / optimise your contributions for the next 12 months. We discussed three types of contributions that you could consider this financial year.
Super contributions - MoneySmart website https://bit.ly/3nmP6FF
Your Estate Plan is your chance to tell your life’s story. You’ve worked hard during your lifetime. Your estate plan is your chance to make your hard work mean something, and to leave a lasting legacy for the people and causes you care about.
Your estate plan includes;
Wills
Powers of Attorney (Medical and Financial)
Guardianship of Children
Outline of your wishes in a Memo of Direction
We discuss the Roles of an Executor and Powers of Attorney and what to consider when choosing the right people.
We also cover the Aspire Estate Planning service.
Download the handy guides for Estate Planning:https://bit.ly/3ybNsx1
'Successful investing is about managing risk, not avoiding it' The world is going through a huge phase of adjustment right now. It might feel like a dangerous time and you might feel unsafe being exposed to any perceived or real 'risk'. But there is a well-established principle that investors can generally expect for there to be four different economic seasons in the economy: Rising Prices (Inflation)- Spring Low inflation (or Deflation) - Summer High economic growth - Autumn Low economic growth - Winter" This week we chat about the various Investment Asset classes and how you can assess your exposure to this via your Super and/or Investments. We look and how each asset class is likely to perform in each of the economic seasons.
One of the key reasons women are behind the super stakes is because they are more likely to take time out of the workforce to raise a family.
But there are a number of other factors that contribute to the Gender Super Gap.
Deline Jacovides is a Financial Adviser with Mazi Wealth chats to us about the dynamics of the Gender Super Gap.
Deline also provides some valuable concepts about how women can be more conscious of this gap and financial tips to help you combat its impact on YOUR Super balance.
Connect with Deline:https://www.linkedin.com/in/delinejacovides/
Mazi Wealthhttps://maziwealth.com.au/
Make Super Fairhttp://makesuperfair.com.au/
Women in Superhttps://www.womeninsuper.com.au/
The Financy Womens' Index is a quarterly measurement of the economic progress of women and timeframes to gender equality in Australia. The index is written by Financy founder Bianca Hartge-Hazelman. This week Bianca talks us through the March 2022 update to the Women's Index. Bianca tells us specifically whether we progressed or regressed in 7 key areas: - Education - Employment - Underemployment - Wages - Unpaid Work - ASX 200 Board gender diversity - Superannuation Financy Women's Index March Report https://bit.ly/3N4SL6n Financy https://financy.com.au/
https://www.linkedin.com/in/biancahhfinancy/
Over these past 8 weeks we have focused on ways to help you tackle your Cost of Living pressures. This week we have taken all of the best highlights and insights from our guests and put them together to form a "Cost of Living Checklist".
This week we chat to Michael Haines about an the benefits of a Universal Basic Income (UBI).
The concept of UBI is that a set amount of money is paid to every adult citizen, permanent resident, and refugee living in the community, every week — to meet their basic needs.
There is no means test - every citizen receives it, it is paid unconditionally and it is adequate enough to support an individuals basic needs.
The benefits of UBI positively impact on poverty, welfare recipients, those in unpaid work (carers) and support life long learning.
Article - what's better - welfare, a job guarantee or a UBI?https://bit.ly/3NmuEQc
Join Basic Income Australiahttps://bit.ly/3sIEq7f
https://www.linkedin.com/in/michael-haines-32895814/
This week Tim and fellow Aspire Planning adviser, Leandro Bonin discuss your Super and Investments and the volatility that has been present in 2022.Tim and Leandro have worked with hundreds of clients and have seen many good and poor decisions made in volatile times.https://www.linkedin.com/in/leandrobonin/
Creating a deliberate spending plan is the foundation for you building financial momentum.
Any future goal that you might have for yourself generally needs to come from surplus income.
Michael Lawes pops in to discuss the importance of being deliberate with your spending and steps on how to take immediate action now. We also discuss various tools that you can use to measure and track your spending.
Aspire Wealth Portalhttps://bit.ly/3G4LUXt
Money Smart Budget Plannerhttps://bit.ly/3vQq9q6
ANZ Bank Plannerhttps://bit.ly/37SQ88j
Westpac Budget Plannerhttps://bit.ly/3MzINJq
NAB Spending Toolhttps://nab.co/3LuTKMm
CBA Spending Trackerhttps://bit.ly/36XVLld
Living costs are on the rise. Inflation is the measurement of the level of increase in costs. Why then would 'those in power' increase interest rates to add to our costs? Libby Newman - Investment Specialist at Vanguard gives us a 'crash course' on the relationship between inflation and interest rates, why costs have been rising and what central banks hope to achieve with interest rate rises.
https://www.linkedin.com/in/libbysnewman/
The way that we are biologically wired can sometimes cause a lot of issues for us when we are in stressful times. Karen Eley from Women Talking Finance explains how financial uncertainty can affect us and what we can do to manage it. Karen also lists 5 practical strategies that we can use to help us feel more positive and increase the ability to impact our own situation. Women Talking Finance https://www.womentalkingfinance.com.au/
https://www.linkedin.com/in/karen-eley-womentalkingfinance/
Food costs are rising. If you want to impact your food bill, you need a plan. Enter Nellie Kerrison from Relish Mama cooking school. Nellie hits us with a host of strategies and tips to help us 'home cooks' become more cost effective in our kitchens. Food storage tips, Meatless Mondays, Slow Cook for 3 in 1 meals, and tips for non meat eaters. Relish Mama Cooking Club https://relishmama.com.au/cooking-club/ Slow Cooked Lamb Shoulder https://bit.ly/3LOjrHs Poached Whole Chicken https://bit.ly/37Hu7IU C.O.O.P. https://wearecoop.com.au/
https://www.linkedin.com/in/nelliekerrison/
Cost of Living is rising in 2022. The mortgage payment is one of your biggest expenses and interest rates are tipped to increase. But are you getting the best deal that you can on your mortgage? This week we chat to mortgage broker Bret Mullavey who runs his own company called Fintcap, who dissects the various elements that go into a mortgage. Bret gives us the pro's and con's of 'fixed rate versus variable rate' and provides us with 4 key things that you should know about your own mortgage, to ensure you are getting the best deal. Fintcap www.fintcap.com
https://www.linkedin.com/in/bretmullavey/
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022.
This is our final episode of the KICKSTART 2022 series. What a hoot it has been.
We have tackled many topics over this series - but which specialist would you use for each type of advice? What steps can you take to better ensure that your chosen specialist is aligned to your values?
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022.
When you hear the word 'Aged Care', most people would think of an Aged Care home. But what about access to services that can help you or your loved one 'maintain independence' and stay living in their own home?
This week Gen and Tim discuss the importance of proactively accessing Home Care Services.
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022. This week our topic is the modern day view of "Retirement". Gen and Tim discuss why planning your transition into these years is enhanced by 'reimagining' your future and by focusing on doing more of what you love doing.
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022. This week Gen and Tim discuss the role of Life Insurance. But we didn't want to only talk about 'what' it is. We discuss the 'why' - the important aspects of our lives and family security that need protection with life insurance.
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022. Gen and Tim explore various ways that we can educate and discuss the value of money with our younger and teenage children. Plus we discuss some options for your children's savings vehicle.
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022. Gen and Tim discuss the daily decisions that we all face in relation to supporting a sustainable world.
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022. Gen and Tim define Ethical Investing, and discuss the importance of getting in touch with your specific ESG values and how to search for funds that support causes that are important to you. Responsible Returns Search Tool https://bit.ly/3oMwTTc 5-steps to investing your Super Ethically https://bit.ly/34HowRM Australian Ethical https://bit.ly/3oKzIEb Verve Super https://bit.ly/3uMd6Ho Future Super https://bit.ly/3HOTENM
Join Tim (The Grass is Greener) and Gen (The Reality Cheque as they come together with financial tips, tricks and ideas to Kickstart your 2022. So, you are ready to invest...but how do you actually begin? We discuss options for investing for all budgets and balances from Micro-Investing and round-Up's to Robo-Advice and more. For more on Micro-Investing: https://www.canstar.com.au/investor-hub/micro-investing/ Raiz: https://raizinvest.com.au/ Spaceship: https://www.spaceship.com.au/ Sharesies: https://sharesies.com.au/ Robo-Advice: https://www.canstar.com.au/investor-hub/start-investing-robo-advisor/ SixPark: https://www.sixpark.com.au/
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022. There are some key concepts to consider when you are beginning (or continuing) your investment journey. We discuss the importance of understanding your risk appetite and building your investment choices in line with your goals. How important diversification is and what are some easy ways you can consider this when looking to build an investment portfolio. Finally, Growth and Defensive assets – what are they and how do they differ and each add value to your portfolio.
https://www.linkedin.com/in/henrytim/https://www.linkedin.com/in/genevieve-frost-5519117a/
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022. How much do your inherited beliefs, biases, and ultimately behaviours impact the financial decisions you make? We discuss some of the elements from your childhood, through adult relationships, and the many external factors around us that can alter our habits and dictate the financial decisions we make.
https://www.linkedin.com/in/henrytim/https://www.linkedin.com/in/genevieve-frost-5519117a/
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks, and ideas to Kickstart your 2022.
Did you know that only 25% of people in Australia have a valid and up-to-date Will?
Implementing a Will and Powers of Attorney is your opportunity to ensure that the wishes you have for your family are put into writing.
We explore what each of these written documents does as well as tackle a few myths that deter people from getting it done.
Head & Heart Estate Planning Course"How to choose a Guardian for your children"https://bit.ly/33r5Fde
https://www.linkedin.com/in/henrytim/https://www.linkedin.com/in/genevieve-frost-5519117a/
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with financial tips, tricks and ideas to Kickstart your 2022.
This year we will be bombarded by the media about the likelihood of rising Interest Rates. Why will Interest Rates increase? How can you get a better understanding of what this means for your household? What can you do to get ahead of any changes?
https://www.linkedin.com/in/henrytim/https://www.linkedin.com/in/genevieve-frost-5519117a/
Join Tim (The Grass is Greener) and Gen (The Reality Cheque) as they come together with tips to Kickstart your 2022. Starting with your household income, expenses and spending habits. How can you change your attitudes and habits to ensure you are living your best life, while being able to afford the essentials. It is all about sleeping easy at night and enjoying the journey.
Bianca Hartge-Hazleman is a champion of Economic Equality for Women. Bianca created Financy, a financial literacy, media and data insights platform. Bianca is also the initiator of the Financy Women's Index which measures and reports each quarter on women’s financial progress and the timeframe to achieving gender equality in Australia. Bianca explains the current financial inequalities that exist in Australia. In particular she discusses the seven critical areas of financial inequality being education, employment, underemployment, wages, unpaid work, leadership and wealth (superannuation.) Financy partners with industry experts and organisations to help women become financially fearless. Financy Platform https://financy.com.au/ Financy Women's Index https://financy.com.au/financy-womens-index-report/
Planning for retirement is much more than planning the financials. A healthy, meaningful and connected life normally has key "life ingredients" that together, provide purpose and balance.
This year, Tim was a guest on "A Bite from the Money Sandwich" podcast. He and host Marc Bineham discussed these key ingredients as well as the "life first" approach that Aspire Planning provides to its clients.
Retirement Readiness Quizhttps://bit.ly/3H1BJT7
Planning for a loved one to be admitted into an Aged Care home is undoubtedly a very emotional time for a family. Whilst dealing with these emotions, families are faced with trying to learn and understand Aged Care rules, how the rules interact with their own situation and any future impacts regarding centrelink entitlements. All of that whilst also trying to ensure that Mum or Dad are actually safe and secure. Leandro Bonin is a Specialist Aged Care adviser with Aspire Planning. Leandro discusses the forces that are at play when he assists his clients. In particular Leandro discusses the emotional side of these decisions and how obtaining sound financial advice can help lower any anxiety and stress on the family. Aspire Planning - Aged Care https://bit.ly/30qAiOw My Aged Care https://bit.ly/3ymsqdt
Granny Flat arrangements are becoming a very popular way for families to support their ageing family members.These arrangements can be hugely beneficial, bring families closer together. However, before entering into such an arrangement it is vital that all parties fully understand the ramifications for the arrangement - and also should obtain specialised advice.Tanya Chapman is a Lawyer with Catherine Henry Lawyers and specialises in Elder Law - in particular, Retirement Villages and Granny Flat arrangements.Sheena Stow-Smith runs a business called Pension Help, working with consumers to ensure that their Centrelink assessments are as smooth as possible - simplifying the process, saving time and ensuring that they receive the benefits they are entitled to.Growing Stronger Podcasthttps://bit.ly/3lOKeZATanya's profilehttps://bit.ly/3oDmNUSPensionHelphttps://bit.ly/31K4MuYhttps://www.linkedin.com/in/tanya-chapman-3481a940/ https://www.linkedin.com/in/sheena-stow-smith-advicelink-b490a990/
The response to the COVID pandemic placed heavily restrictions on all of us. Over the past two years, we have all faced moments that challenged our Mental Health. However, research is already showing that of all the generations, children & young adults have been impacted hardest. Our younger people can benefit greatly from the support and care of older generations. Natalie Yan-Chatonsky from Full Time Lives discusses the benefits for older people in developing better intergenerational relationships with younger people. Hayley Meeking from Remedy First Aid pops in with some helpful information on how to approach conversations regarding Mental Health. Full Time Lives https://bit.ly/2SlNn42 Remedy First Aid https://bit.ly/2WRauc8 Report - Psychological Distress in Young People in Australia https://bit.ly/3EatXW2 Head to Health - ChatStarter https://bit.ly/3G5ELFz
A significant portion of a child's money beliefs are basically formed by the age of 7. What can parents of younger and older children do to help their children develop a healthy and empowered relationship with money? How do we help cultivate financial resilience in our children? How should we be talking to kids about money? If you feel that you may have already displayed some poor money habits to your children, are there strategies to 'course correct'? Karen Eley is a Financial Coach from Women Talking Finance. Karen's wonderful insights on this topic will provide your family with some valuable tools. Women Talking Finance https://bit.ly/3gI0bz0 Karen's Blog - Raising Money Smart Kids https://bit.ly/30TMHdZ
https://www.linkedin.com/in/karen-eley-womentalkingfinance/
Making deliberate decisions in a proactive manner is clearly a preferred option to making decisions in a reactive manner.
This week Tim discusses two areas of your financial world in which you could take proactive and deliberate action - your Mortgage and your Superannuation.
Inflationary pressure is increasing the likelihood of an interest rate rise in Australia in 2023 or earlier. How would your household cope with a 1% rise? What could you do to get ahead of the game?
Super and Investments have recovered nicely since the COVID decline in early 2020. Did you move your investments during that crash? Have you made a deliberate decision on how much risk you wish to take?
We have all been through a tumultuous couple of years. We are probably fatigued. However, the world will continue to ask us to adapt. By making these deliberate decisions in a calmer environment, it can help us be more prepared for any future crisis.
Money Smart Mortgage Calculatorhttps://bit.ly/328rXj0
There are not that many financial advisers or financial coaches that actively assist people in their 20's, 30's and 40's. When Adele started her own business she chose to work only with people in their 20’s, 30’s and 40’s to help them master their money and live a life they love now - so they aren’t waiting to live in retirement. Adele also noted that traditional financial planning didn't always work for her generation. That is why she created 'My Money Buddy' to educate you about money so you maximise what you have and can do more of what you love. Adele Martin Money Mentor https://www.adelemartin.com/ My Money Buddy https://bit.ly/3mVBRME
https://www.linkedin.com/in/adelemartin/
Many younger people might wonder how financial advice can help them. After all, they are miles off retirement.
But what if they were able to engage with a business that was focused on delivering financial solutions for the specific problems that they were facing?
That is what Glen Hare and Jessica Brady set out to achieve when they started their business Fox & Hare.
Glen & Jessica discuss the important factor of 'psychological safety' for their clients to feel like they can be authentic and vulnerable in their dealings with a Financial Adviser.
Fox and Harehttps://bit.ly/2ZTgKBu
Wear it Purplehttps://bit.ly/31nzERP
Ladies Talk Moneyhttps://bit.ly/3bGcsjS
https://www.linkedin.com/in/glen-hareadviser/https://www.linkedin.com/in/jessica-brady-21165812/
Ethical investing is simply choosing ethical and responsible investments that focus on 1. growing your money and 2. improving your impact on the planet.There are now more options than ever for consumers to achieve these dual objectives with their choice of personal investments and also their choice of Superannuation.But what values and issues are specifically important to you? And how can we measure any potential investment against your requirements?Nathan Fradley is a Financial Adviser who specialises in Ethical investing. Nathan is also a part owner of Ethos ESG.Ethos ESG aggregates publicly-available information related to the impact of companies, brands and funds, organizing it to help you make decisions that align with the causes you or your clients care about.Nathan discusses the underlying elements of Ethical investing and challenges faced by consumers when assessing how their ESG investment options.Nathan is launching his own podcast on 1st November 2021 - 'Good for the Bee'.Ethos ESGwww.ethosesg.comGood for the Bee podcastwww.goodforthebee.comLime Financial Planningwww.limefinancialplanning.com.auhttps://www.linkedin.com/in/nathan-fradley-fchfp-88a8502a/
Financial security. Life experiences. And a lasting legacy. They’re the aspirational goals of many people.
But what that actually represent for any one individual is very very different from another individual. What does your version look like?
Ryan Watson and Tribeca Financial have developed their own framework to help their clients articulate what their "Good Life" looks like to them.
We discuss Tribeca's Financial Wellbeing Matrix and how it enhances the EQ and IQ discussions with their clients.
And my favourite, the inclusion into these discussions of the 5 L's - Live, Love, Legacy, Learn & Laugh.
Tribeca Financialhttps://www.tribecafinancial.com.au/
Connect with Ryanhttps://www.linkedin.com/in/r-watson/
The Sandwich Generation refers to those in their 50's and 60's who are 'sandwiched' between their young adult children on one side and their ageing parents on the other. Just when they thought life might have been getting easier, they find themselves with a lot to think about - including their own retirement! Marc Bineham has recently closed a phase of his life as a Financial Adviser, looking after clients for 33 years. Inspirationally, Marc is now passing on all his years of experience and knowledge through his new business venture 'The Money Sandwich'. Marc's coaching and courses are focused specifically to assist pre-retiree Australians feel in control of their financial position and allow them to retire comfortably and on their own terms. Marc's book (THE MONEY SANDWICH) is a 'down to earth' guide for the Sandwich Generation on how to manage money better in their 50's and 60's. And to top it off, Marc has also launched a fortnightly podcast - A BITE FROM THE MONEY SANDWICH - experts who can provide practical, easy-to-understand tips and tricks on your money and retirement. The Money Sandwich https://bit.ly/2YFSiDd A Bite from the Money Sandwich https://apple.co/3oUuZkfhttps://www.linkedin.com/in/marcbineham/
Only 40% of people actually engage regularly with their Super. It is likely that you have just received or about to receive your annual Super Statement. Did you look at the statement? This week we do a "spring clean" on your Super statement, running through 7 key areas to ensure that your fund is doing what it needs for you and your family? This annual task is a must! ATO Your Super comparison tool https://bit.ly/3FrbaGT
"While we all need to make money to live - taking control of your financial life involves making consistently good decisions with the resources you have, changing your financial habits and living deliberately" - The Minimalists
This week Tim chats about how aligning a range of savings and investment vehicles to your life stage goals can provide you with a clear and purpose-led plan.
https://www.linkedin.com/in/henrytim/
Change can turn our plans, our lives and our dreams upside down. Whether you have faced a redundancy, dealt with a break-up, been in an accident, lost a loved one, had a health scare, or been impacted by an economic downturn, your ability to navigate through the change process and create an alternative plan will be the key to your future happiness. Shannah Kennedy discusses her new book "Plan B" - her simple, yet powerful 4-part guide to give you the confidence to accept, heal, grow and adapt. Shannah's Website https://shannahkennedy.com/ Shannah's Books https://bit.ly/39k1cbs
https://www.linkedin.com/in/shannah-kennedy-8a898b1/
In 1993, young American university student, Amy Biehl was brutally murdered in the streets of Gugulethu. The fall out from Amy's death, the approach taken by her parents and the foundation started in her honour is a very unique story. One of the first recipients of the Amy Biehl foundation was Vincent Ntunja. Vincent is a Basketball Mentor, Model, Sports Presenter and Under Armour Brand Ambassador. Vincent takes us on his journey and in doing so demonstrates the raw power of having a rock solid Vision and crystal-clear Purpose. He is intent on providing the youth of Gugulethu which a different narrative - one that provides them with hope and skills for their own future. Vincent Instagram Profile https://bit.ly/3hx9VvM African Grass Root Hoops https://bit.ly/2XkO2Zj
Asking the question RUOK is a vital first step in starting a conversation.
But how well prepared are you for an answer of NO?
For many of us, we might feel ill-equipped to deal with the rawness of such a conversation. It might make us fearful or even want to avoid getting too deep into the topic.
Hayley Meeking is a Mental Health First Aid Instructor a Mental health advocate, a Registered Nurse, and the owner of Remedy First Aid Training.
Hayley discusses the importance of us all being better placed to help other people who might be experiencing a mental health problem. Starting with the fact that you are just a 'first aid', you are not professional help.
Hayley also outlines 3 key things you can do if someone actually says - I AM NOT OK.
Remedy Fist Aidhttps://bit.ly/2WRauc8
Beyond Bluehttps://bit.ly/3jJixAS
RUOK - How to ask?https://bit.ly/3ndSZxE
Most of us have Superannuation. In fact for many it is one of our largest liquid assets.
But how is this asset paid out when you die?
Have you even made a nomination with your fund and is it valid?
Peter Treseder is the Education Manager with one of Australia's largest super funds - Australian Super.
Peter describes the five entities that are eligible to receive a death benefit payout from Super.
Peter also explains to us the role a valid Binding Death Benefit Nomination can play in making your nomination a far more certain outcome.
Australian Superwww.australiansuper.com
Connect with Peter: https://www.linkedin.com/in/peter-treseder-16168a144/
Leaving assets in an Estate can often get complicated. Family relationship dynamics or the relationship status of a beneficiary can cause conflict. Laura Salsbury from Generation Life explains how an Investment Bond can be used in some circumstance to mitigate conflict and provide certainty. Laura explained the characteristics of an Investment Bond and 'life' examples of leaving funds to: - Grandchildren - People outside the direct family (eg. carer) - Blended families - Problem child (gambling/substance abuse) Resource - Passing on Wealth via Investment Bond https://bit.ly/38gKkSK Generation Life https://genlife.com.au/
Connect with Laurahttps://www.linkedin.com/in/laura-salsbury-982baa83/
Whilst an Estate Plan is made up of legal documents such as a Wills and Powers of Attorney, you also have the ability to leave your more personal and intimate instructions to your Executors, Guardians of Children and/or Beneficiaries.
This document is called a Letter of Wishes.
Lucy Percy is a lawyer and is the owner of Head and Heart Estate Planning. Lucy explains the importance of the Letter of Wishes to better assist those that you are relying upon.
Lucy gave some great examples for 3 specific groups of people:
1. Young Families2. Blended Families3. Families with adult children
Head and Heat Estate Planninghttps://bit.ly/3yUGDxG
Lucy's Online Estate Planning Course $149https://bit.ly/2XpvuXE
Have you heard the term Testamentary Trust? In this episode, Tim chats to Tara Lucke about the power of a Testamentary Trust Will for everyday Australians and their families. Tara likes to think of the Testamentary Trust Will as the super hero of estate planning, because they will save your family tax after you die, save your inheritance from divorce and bankruptcy risks and save young children from wasting their inheritance. What’s not to love? Tara's Testamentary Trust Article https://bit.ly/3jAg5vg Aspire's Estate Planning Service https://bit.ly/37qNns0
https://www.linkedin.com/in/taralucke/
These past 5 weeks we talked to experts about getting better planned in this financial year. But where do you start? And how are you going to consolidate, view and track your financial world. Look no further than The Aspire Wealth Portal. Tim discusses all the features of the Aspire Wealth Portal that makes the management of your financial world so much easier, much of it is automated. Not only will it help you consolidate your financial world, its goal setting and tracking tools will assist you in "nailing your plan". Download App in App Store https://apple.co/3lttKqk Download App on Google Play https://bit.ly/36qo9YQ Monthly Subscription Link $34.95 https://bit.ly/2No0AKx
Your Cashflow is the cornerstone to you successfully managing money and allowing your to fulfil your Dreams and Goals. To succeed in Mastering Your Cashflow you need to be far more intentional that simply setting a budget. Steve Crawford from Experience Wealth talks to us about the successful Cashflow formula that he has used with hundreds of clients over many years. And we will give you a hint - it starts with YOU and what you actually want to achieve! Steve has also generously provided listeners with two amazing resources in his Cashflow Starter Kit. 1. Wish List (to help you with your Goals) 2. Budget Planner Request Cashflow Starter Kit: https://bit.ly/EXW-Cashflow-Planning-Starter-Kit Experience Wealth: https://experiencewealth.com.au/
https://www.linkedin.com/in/coachcrawf/
We live in a consumption-driven world where we’re celebrated for the things we have — gorgeous wardrobe, a new car, the latest mobile phone. We’re rarely applauded for intentional spending, choosing to save, or delaying gratification.
But there are long term consequences to continuing down an emotional spending path.
Karen Eley is a Financial Coach and not only discusses Emotional Spending but provides us with strategies to how you can establish strategies to spend less but spend well.
Karen's Blog Post"Kicking your Emotional Spending"https://bit.ly/3iv1XCK
Women Talking Financehttps://bit.ly/3gI0bz0
We all know that getting our money to working harder is a good thing!
But investing can seem complicated and risky or only for the rich. No longer!
Technology has brought quality investing within the reach of most of us.
But how do you get started?
What types of investments are available to you in the modern world?
What are your barriers to you starting to invest?
This week we chat to Gen Frost, from IOOF Holdings, one of Australia's largest investment platforms.
Gen and Tim discuss the items you MUST consider before you start investing.
The Reality Chequehttps://therealitycheque.com.au/
Money Smart - Choosing Investmentshttps://bit.ly/2YXcNbk
Barefoot Investor Bloghttps://bit.ly/3khbhN9
Where do you start when searching for a Financial Adviser that is right for you and your needs? Well look no further. Adviser Ratings is a website that is "the Travel Adviser of Financial Advisers". The site itself is a wealth of information, allowing you to search for advisers in your area and assess them based on your own preferences, such as, gender, skills, education/qualifications and the type of advice in which they specialise. Most importantly, you can see the reviews that their own clients have left for them. Angus Woods is the Founder and Managing Director of Adviser Ratings. He chats to us about what consumers needed from a site like Adviser Ratings and how it aims to assist in making good decisions on who you work with. Adviser Ratings https://www.adviserratings.com.au/search/
The End of Financial Year has passed us again. Were you well organised this time around? Did you feel like you should have been more prepared? Well here is your chance to get yourself well organised for THIS financial year. In the first of our Start of Financial Year (SOFY) episodes , we discuss Superannuation contributions with Natallia Smith. Natallia is a Financial Adviser and is the owner of TruWealth Advice. Natallia is passionate about "giving single women the power to manage their finances." TruWealth Advice https://www.truwealthadvice.com.au/ MoneySmart - Super Contributions https://moneysmart.gov.au/grow-your-super/super-contributions
Setting and achieving goals is not easy. We fail many more times than we actually succeed. Why does this happen? Tim discusses a few reasons why goals fail and provides the 'Why, What, How & When' framework to goal setting. Simon's SMART Goal framework https://bit.ly/3vEosu0 Wellineux's JOM Values Booklet https://bit.ly/36kb6tt
Understanding the Aged Care system can be daunting. Often it is complex and confusing. There are big decisions to be made at a time when families are feeling emotional and vulnerable. This week we talk to Louise Biti, co-founder and Director of Aged Care Steps, the leading business supporting professionals to implement advice solutions into their advice businesses in the areas of aged care and other related matters. Louise discusses the evolution of our Aged Care system, she explains the 3 phases of retirement and gives us a 'crash course' in understanding Aged Care fees. Louise is a thought-leader and one of the pre-eminent experts in aged care, with over 20 years’ experience in aged care advice. She is the author of Don’t Panic: age the way you want where you want. "Don't Panic, Age the way you want, where you want" https://bit.ly/2TkzlmS Aged Care Steps https://agedcaresteps.com.au/
Connect with Louise Biti:https://www.linkedin.com/in/louise-biti-a662607/
Divorce is a major life changing event. It can be a highly emotional time and one of high uncertainty.Whilst dealing with these elements, those going through a divorce are making big, permanent decisions.It is no wonder that it can take a big mental toll on people, and also influence the level of co-operation amongst parties.Jordan Vaka is a Financial Adviser and his business, Planning Solo, specialises in assisting his clients during and after their divorce.Jordan's Business - Planning Solo: https://www.planningsolo.com.au/Ending a relationship - Relationships Aust.https://bit.ly/3iwMxiWRelationships Australia (advice sheets): https://relationships.org.au/relationship-advice/relationship-advice-sheets/ending-a-relationship-1Family Relationships Online: https://www.familyrelationships.gov.au/Federal Circuit Court: http://www.federalcircuitcourt.gov.au/wps/wcm/connect/fccweb/home/
Do you ever wonder whether you should make an effort to better understand the economic data that is part of our daily news? Wonder if there is an easy way to better understand this data and how it might affect your day to day life? Then this episode is for you. This week we chat to Brian Parker, Chief Economist of one of Australia's largest super fund, Sunsuper. Brian agreed to chat about how specific economic indicators affect you in 3 specific areas: How might it affect your day-to-day life? How might it affect your job prospects? How might it affect your retirement? Brian also chatted to us about how the world has responded economically to the COVID crisis. Brian joined Sunsuper in June 2015. Prior to joining Sunsuper, Brian worked in a series of economics, portfolio management, and communications roles with a range of firms, including Rothschild, JP Morgan, Citigroup, MLC, and the Reserve Bank of Australia, in a career spanning over 29 years. Brian has an honours degree in economics from the University of Queensland, where he also taught macroeconomics, and is a Chartered Financial Analyst. Sunsuper https://www.sunsuper.com.au/
How a flow mindset can help you achieve your goals, and how you can get it.
“Flow” is something that is highly sought after. Athletes pay sport psychologists big money to help them find and replicate flow in their mindset. We are told that if we “go with the flow” that things will work out naturally in our favour. So what is flow?
Flow is used to describe a state of mind where we are fully immersed in a feeling of energised focus, full involvement and enjoyment in the process of the activity. Some call it “being in the zone”.
Tim Henry discusses the 7 conditions that need to be present for you to achieve your "Flow Mindset".
Ikigai Book:https://amzn.to/32h94aQ
Finding Flow Article:https://bit.ly/34k0xUZ
'Living Dangerously' - Matt HenryI-Tunes https://apple.co/3wDpYx7Spotify https://spoti.fi/3bTIlpk
Evidence is mounting that women are feeling the impacts of COVID-19 more than men. Mothers are hardest hit. They have borne the brunt of increases in the volume of domestic labour, unequal labour in the home and, in particular, periods of homeschooling during various lockdowns and school closures.Samantha Sutherland Consulting decided to survey 1,296 people about their domestic load, their work hours and pay, and the relationship between home and work.The research and outcomes expose a system that was already broken for women, with inequalities exacerbated by COVID-19.We chat to Samantha Sutherland about her research and the key finding. Samantha also looks to the future, outlining what women say they need to thrive and participate in the workforce. Samantha also discusses her upcoming group coaching program 'Get a Pay Rise'. Australian Women at Work https://bit.ly/3uYEnTZ Get a Pay Rise Coaching Program https://bit.ly/3otJCZESamantha Sutherland has extensive experience in the diversity and inclusion space and provides regular workshop and leadership planning facilitation. Samantha divides her time between mentoring and coaching women in, or aspiring to, leadership roles, providing high-level advice on diversity policies to Australian corporations, and strategic planning consulting. She is a thought leader in the gender equality space, conducting research early in 2021 into the impacts of COVID-19 on working women that has been published in the Sydney Morning Herald and across the country. Samantha hosts two podcasts – Women at Work, with over 80,000 downloads putting it in the top 10% in Australia; and Equality Talks, a sponsored podcast placing her in conversation with industry leaders.
This week we chat to Steph Geddes. Steph is a Registered Nutritionist and works with brands, products and people with her culinary creativity and passion for eating seasonal nutritious food. Body Good Food is a space where she provides inspiration and education for bringing balance and enjoyment to healthy eating and all things nutrition.
Body Good Food website: https://bit.ly/3vSUOkX
Body Good Food Diaryhttps://bit.ly/3o3XrNW
Connect with Steph Geddeshttps://www.linkedin.com/in/steph-geddes-97461689/
We also chat to Paul Woolard & Melissa Marshall from The Runners Hub.The Runners Hub is a full-service training program for runners and those keen to start running. Offering weekly run groups, marathon & half marathon training plans, strength and mobility programs. Our aim is to help you reach your running goals and stay injury-free. All in a friendly and welcoming environment. All levels welcome.
The Runners Hubhttps://bit.ly/3eyV42v
Emailcoachwooly@therunnershub.com.au
Goals are touted constantly as the saviour to giving us purpose and keeping us on track. But thinking about what we actually want, articulating that, outlining actionable steps and having short, medium and long term goals can be hugely overwhelming. This week we 'go back to basics' on Goals and Goal Setting. Why set goals in the first place? Why do goals need to be personal? What does a good goal look like? Simon Chodziesner is a Facilitator and Performance Coach and works with businesses and individuals to help them articulate their vision and create actionable steps to achieve it. We also discussed Simon's running achievement from 2015 - running the length of Ireland - yes the country - 570km in 18 days. SMART Goals worksheet https://bit.ly/3vEosu0 Life Balance https://bit.ly/3aXqFsH
Connect with Simonhttps://www.linkedin.com/in/simon-chodziesner-69a080b/
Couples' money issues usually go much deeper than a budget spreadsheet, mortgage, or bank balance and often lay below the surface of a relationship.Numerous surveys point to a major cause of divorce as being money issues, right behind infidelity. Financial problems and conflicts arise from not communicating feelings, emotions, and needs around money.Karen Eley is a Financial Coach and owner of Women Talking Finance.Karen helps "women and couples own their money story so they can maximise their financial potential and create financial harmony."Karen and I have a bit of fun discussing the 8 Money Archetypes / Personalities. Can you determine your own? Or your partner?And Karen also gives us 7 strategies for couple to create financial harmony and build intimacy.Women Talking Financehttps://bit.ly/3gI0bz0Money Quizhttps://bit.ly/2QA29qnArticle - Life Changing Money Advice for Coupleshttps://bit.ly/333OV8hCouples & Money e-Bookhttps://bit.ly/3nm79uUConnect with Karen Eleyhttps://www.linkedin.com/in/karen-eley-womentalkingfinance/
Have you heard about NFT's - Non Fungible Tokens? This week Tim & Gen reveal all that they discovered about the NFT revolution that is unfolding in 2021. And wow, we found out some really cool stuff! Plus we review how far we have come in our journey of 'Decoding Cryptocurrency'. Article NBA Topshot https://cnb.cx/3anzk7t Kings of Leon NFT explained https://bit.ly/2PbMi0K
This week Tim & Gen chat to a Blockchain expert and get his insights on his rise through the Crypto world and the real life uses for this amazing technology.
George Siosi Samuels is the Managing Director of community-tech consultancy, Faiā, and founder of a blockchain-based accountability platform called Honā.
George and his businesses have been featured by the likes of Tech In Asia, Rest of World, Slack, and Adobe, he's passionate about bridging gaps between communities and technology. He was awarded an "Excellence in Finance Leaders" award at FiNext Conference Dubai 2020.
Recently, he helped facilitate a deal resulting in the Government of Tuvalu adopting blockchain technology as part of its national digital transformation efforts, moving towards electronic cash and paper-less operations.
George also had a diverse career spanning sales, marketing, business development, community management, programming, and even animation.
FAIA: https://www.faiacorp.com/
https://www.linkedin.com/in/gssamuels/
This week Tim and Gen Frost talk to a very experienced Cryptocurrency Investor. And he is anonymous! Our guest provides some awesome insights on how he came to invest in Cryptocurrency, his motivations for investing and imagines what the future might look like for us all if cryptocurrency became mainstream. Why did we do this series? If you are like us, you might know a tiny bit about Cryptocurrency, but not enough to say you have a good understanding. Tim has teamed up with Genevieve Frost from The Reality Cheque podcast for 4-episodes to “Decode Cryptocurrency. Tim and Gen decided they needed learn about this ever growing phenomenon, AND YOU ARE INVITED ALONG FOR THE JOURNEY (and have a little fun along the way). What is it all about? Is it a “real thing” and what role will it play in our future? Is the technology safe? How many currencies exist? Its educational and it’s a lot of fun! The Reality Cheque https://bit.ly/2PJE5Ay
If you are like us, you might know a tiny bit about Cryptocurrency, but not enough to say you have a good understanding.
Tim has teams up with Genevieve Frost from The Reality Cheque podcast for 4-episodes to “Decode Cryptocurrency.
Tim and Gen decided they needed learn about this ever growing phenomenon, AND YOU ARE INVITED ALONG FOR THE JOURNEY (and have a little fun along the way).
What is it all about?
Is it a “real thing” and what role will it play in our future?
Is the technology safe?
How many currencies exist?
In this episode, we get “back to basics” exploring the reasons why Cryptocurrency even exists. We discuss and explain the key terms and look at the history of Cryptocurrency.
Its educational and it’s a lot of fun!
The Reality Chequehttps://bit.ly/2PJE5Ay
We have all seen Dual Occupancy / Townhouse projects within our own neighbourhoods.
This type of project has become a popular way for older Australians to modernise their home as well as downsize and possibly generate additional funds for their retirement.
Also younger Australians are undertaking these projects as a way to move into areas that may have been out of reach with a single dwelling purchase.
We chat to Dale Crowhurst from Crowhurst Building Design about Dual Occupancy / Townhouse projects.
Dale has a 4-step process that he and his clients work through to ensure that the project has the best chance of success. Dale discuses his process as well as providing his thoughts and perspective on what ingredients need to be present to make a successful project.
Crowhurst Building Designhttps://bit.ly/3f4x8Vt
Crowhurst BD - 4 step processhttps://bit.ly/3vO8q1M
For many of us, Financial Stress is a real thing. Financial stress indicators include items such as being unable to raise emergency funds within a week, pay bills on time or seeking assistance from welfare or community organisations.
Terri Watson from The Healthy Wallet Project believes that those in financially stressed situations need specific resources and support help get their situation back on track.
This is why Terri has designed and produced The Healthy Wallet Project - 90 day Budget Journal.
Terri tells us about her own journey with financial stress, why she created The Healthy Wallet Project and the engaging and empowering elements of the 90 day journal.
The Healthy Wallet Project http://bit.ly/3eFk5K1
THWP Facebook http://bit.ly/3qSi5Ao
FOMO - "anxiety that an exciting or interesting event may currently be happening, often aroused by (social) media"
Last year was a rollercoaster of emotions and a very volatile time. Panic was common. For many, the repair of their businesses or their lives is still a work in progress.
But in 2021, something else is happening. There have been spikes in first time new share broking accounts being opened. A spike in speculative investing is taking place, seeing prices rise sharply and plummet sharply.
Property prices are predicted to rise and some are feeling like that need to buy something quickly, before the market runs too far.
After some conversations with panicked clients, I decided to share some tips for dealing with FOMO and staying true to your plans.
Connect with Tim:https://www.linkedin.com/in/henrytim/
The Superannuation system in Australia is not perfect, but it is still better than most.
Yet there are still many of us that don't make the most of OUR system. And some are not on a "level playing field" when it comes to accessing OUR system.
This week we chat to Dawn Thomas, a Senior Financial Adviser with Wealthwise. Dawn is very passionate about Super being something that is fair and equitable for all.
Dawn has a strong belief that Financial Literacy is a large factor in whether some disadvantaged groups get to use Super to its full potential. Dawn's belief that this dynamic can be changed has driven her to do a PhD focused on this topic.
Dawn also gives us a very handy checklist that each of us should run through when our Super statement arrives in the mail.
Dawn's Checklist https://bit.ly/3r45gnG
Wealthwise http://bit.ly/3r5tOwn
Your Money Story Podcast (Spotify)http://spoti.fi/3sBeo3v
Connect with Dawnhttps://www.linkedin.com/in/dawn-d-thomas/
In this episode, we chat to the amazing Shannah Kennedy about her journey as well as her best selling book - The Life Plan.
Shannah Kennedy is a leading business and life coach and master strategist, trusted by her clients across the spectrum of business, sport and entertainment. Shechallenges people to rethink their relationships to work, wellbeing and life. “We work to discover who you really are without the title.”
The Life Plan sets out a step-by-step strategy to help you identify your true self and values, declutter and simplify your life, improve your time management and create structures that will help guide you towards your goals and visions.
Shannah Kennedy Biohttps://bit.ly/3pxxTI6
Shannah Kennedy Websitehttps://shannahkennedy.com/
The Life Planhttp://bit.ly/37rlejT
AIA Vitality is a personalised, science-backed health and wellbeing program that supports you every day to make healthier lifestyle choices.
This is a really helpful and valuable health and wellbeing program that is designed to link up with your Life Insurance and/or your Health Insurance.
We invited Chris Starritt, Relationship Manager at AIA to explain how this unique offering can be used by consumers.
AIA is an insurance company, that offers both Life Insurance and Health Insurance products.
AIA Vitality http://bit.ly/3dibYSM
Connect with Chris Starritt:https://www.linkedin.com/in/chris-s-034b2625/
AIA Health Insurance http://bit.ly/37iejts
AIA Life Insurance http://bit.ly/3jQyeEP
Aspire Planning https://bit.ly/3ptfjkl
Are you a risk-taker? How much risk are you willing to take with your investment portfolio? Maybe you you don’t have a very clear idea about either question?Having a deliberate position on investment risk is vital for individuals and couples.So much of what we do as financial advisers is helping people better understand and manage risk, aligning their plan to their OWN needs, their OWN goals and their OWN personality.This week we have Sacha Burchgart on the show to discuss the key factors to consider when searching for the appropriate level of risk and the emotions and behaviours that can get in the way of rational and clear decision making.Sacha Burchgart is the founder of Burcheart. Sacha's passion for life and for creating a bright, happy future for her daughter, inspired her to do the same for others.Sacha was the winner of the Affinia Chairman's Award in 2015, Affinia Practice of the Year and finalist in the AFA Excellence in Advice award in 2017, NAB women in finance award 2017 and Affinia Adviser of the Year 2019.Burcheart: https://burcheart.com.au/MoneySmart - Investment Choiceshttp://bit.ly/2YXcNbkAspire Planning - Gamechanger Programhttps://bit.ly/3kfukVdConnect with Sachahttps://www.linkedin.com/in/sacha-burchgart-42587939/
In life, it doesn't get much bigger than, 'Starting a Family'.Life is going to change in a big way, there is so much excitement and emotion, but also so many new things to consider. There are also SO many 'helpful' people ready to pass on their advice and wisdom. It can be a tad confusing.Want the 'low-down' from the experts?1. Cashflow - tips and ideas to feel in control.2. Centrelink Entitlements & Parental Leave - Sheena gives us a crash course in Centrelink entitlements and also how to best deal with them.3. Life Insurance - your needs have changed enormously. Making sure you get this right.4. Estate Planning - the most important of all, but always left until last (or not done at all). Tara tells us why it should be the first thing you do and key questions to ask yourself.Tara Lucke is not your typical lawyer. In a lot of ways. She only does estate planning, tax, asset protection, business succession, trusts and super. No disputes; No property stuff.Sheena Stow-Smith started AdviceLink as a way of helping more people. More nans and pops, mums and dads and other loved ones with claiming and maintaining their Social Service benefits.What is an Estate Plan and why you need one https://bit.ly/37xfc1QCheat Sheet - 4 key EP decisionshttps://bit.ly/3mqVQAmCentrelink - claiming tipshttps://bit.ly/39EKoNBAdvice Link flyerhttps://bit.ly/3oJkFYuAspire Planning - Gamechanger Package for Familieshttps://bit.ly/3jgkDohAspire Estate Planning Serviceshttps://bit.ly/37qNns0Connect with Tara:https://www.linkedin.com/in/taralucke/Connect with Sheena: https://www.linkedin.com/in/sheena-stow-smith-advicelink-b490a990/
At this time of year, there is so much talk about Goal setting and making changes to improve your life or wellbeing.
But what are you going to do, why do you want to do it and how?
Amanda McMillan talks us through the "8 Dimension of Wellbeing" as well as key questions to ask yourself when reflecting on your current wellbeing.
Amanda's framework is not only engaging, but it is focused on making small changes. aligned to your values that can amount to big impacts.
Amanda co-founded Wellineux, following many years working in the corporate world, witnessing fellow leaders, colleagues and teams struggle with modern day dis-ease.
First, do a Wellbeing Stocktake.Rate your current level of satisfaction on the Life Wheel.https://bit.ly/3c7IaYL
Then reflect on your answers to the questions in the Goal Setting booklet. Ideally write for only 2 minutes on each question.https://bit.ly/2NyXkvO
Wellineux Bio: https://bit.ly/3ieSttj
Connect with Amanda:https://www.linkedin.com/in/amanda-mcmillan-61175422/
Tim Henry talks through the elements that go into Financial Planning.
Financial Planning is about structuring vehicles to support your life vision. If done well, it should be fun and it should be inspiring!
As well as discussing the Finite and Infinite elements that go into a comprehensive financial plan, Tim shares with you a framework to start your own plans.
The "Gamechanger" is a modular program that has been designed to build momentum in key financial segments.
Gamechanger Program for Families:https://bit.ly/3kfukVd
Gamechanger Program for Retirees:https://bit.ly/3pzzn6b
Aspire Wealth Portal:https://bit.ly/2No0AKx
Gamechanger Videos:Families: https://bit.ly/3kfukVdRetirement: https://bit.ly/3jgkDoh
Want to view your from a place of freedom, through a lens that anything is possible? Imagine how empowering that would be. This is the Power of Possibility.
Alexandra Andre is a speaker, author and coach. Alex has recently written her first book, detailing her purposeful and emotional journey whilst training for an Ironman event in 2015.
To become an Ironman requires a 3.8km swim, 180km bike ride and 42.195km run.
Alex very real and honest account of the highs and lows of reaching her goal make it remarkable. This is a story for everybody and it is 'far more about life than sport'.
Alex discusses her motivations and purpose for the book and generously shares the insights of her 12 steps and guiding principles to help discover mote of the possibility we all have within us.
Website https://www.alexandraandre.com/
Connect with Alex https://www.linkedin.com/in/alexandra-andr%C3%A9-4a7692a/
When is the last time you reviewed your Mortgage?
The past 12 months has shown us that in an uncertain world, those that are 'controlling their controllables' are better placed for success.
Research estimates that more that 50% of people either haven't considered switching their mortgage or were unsure about how to proceed. Many say that its a huge hassle is simply "too hard'.
But your mortgage is likely to be one of your largest, if not your largest expense. It not as hard as you might think to gain a better outcome for yourself.
Brenton Henry is not only a Mortgage Broker but also a Financial Advisor and Director at BNR Financial services.
Brenton helps discusses the benefits of building a longer term relationship with your lender as well as demystifying various elements of your mortgage.
If in 2021 you are looking to tidy up your finances, step 1 is to make sure your mortgage is as good as it could be.
BNR Facebook: https://bit.ly/390caCz
Article - 5 strategies to pay off your mortgage quicker: https://bit.ly/393ZpXs
Connect with Brenton:https://www.linkedin.com/in/brentonhenry/
At its core, "Ethical Investment" is a range of investment styles which go beyond simple financial returns to incorporate a clients Environmental, Social and Governance (ESG) and their Ethical Values into the investment process.
Ethical Investments have also been performing extremely well in recent years and have excelled during this COVID year of 2020.
But more than just for performance, consumers now expect that their savings to be invested in a way that does no harm, and ideally leaves the work in a better place.
Stuart Palmer is the Head of Ethics Research at Australian Ethical. He evaluates the impacts which companies, products, services and operations have on People, Animals and the Environment.
Australian Ethical https://www.australianethical.com.au/
Australian Ethical Charterhttp://bit.ly/3oTmYc8
Australian EthicalPositions on various issues.https://bit.ly/2IO226L
Connect with Stuart:https://www.linkedin.com/in/stuart-palmer-298384b/
There has never been a better time to become inspired, tap into your Dreams, and make them a reality.
This episode has one purpose:
Tim Henry & Natalie Yan-Chatonsky give you tools and inspiration to make 2021 a year that you will love!
Experiment with your Lifestyle articlehttps://bit.ly/2K8cSp4
Values & Vision Journalhttps://bit.ly/36kb6tt
Summer reading Listhttp://bit.ly/37rAZHS
Connect with Tim:https://www.linkedin.com/in/henrytim/
Connect with Nataliehttps://www.linkedin.com/in/nat-yc/
The purpose of Life Insurance is to provide a level of financial protection for ourselves and our families.
Even though 94% of working Australian's have a life insurance policy, we are massively underinsured. Why?
Because most of this insurance is given as a default through Super. It's a blanket approach with no consideration for your circumstances.
The median level of Life Insurance cover across the 94% of Australian's is $143,000.
You need a tailored plan!
David Gates is the owner of GRM Advice and specialises in Life Risk strategies. Not only is he knowledgeable but explains your vital choices in such a relatable manner.
GRM Advice: https://grmadvice.com.au/
Article: Life Cover: more important than everhttps://bit.ly/2IMuupL
Connect with David:https://www.linkedin.com/in/david-gates-aa0b292b/
Superannuation is an asset that most of us possess. For many people, its the largest liquid asset that they own.
Given that it is such a large and important asset, do you fully understand all of the elements that you can measure, control and manage?
Perhaps you have multiple funds and are unsure of which fund is most appropriate to consolidate.
We needed an expert to discuss these various elements of Super:- your Investment choice- unit prices and market fluctuation.- your investment costs.- life insurance considerations.
Sam Rubin is the National Manager Advice & Research at Affinia Financial Advisers.
Sam's expertise spans more than 20 years in financial services specialising in the advice services market.
Affinia: https://www.affinia.com.au/
Canstar Compare Super Fundshttps://bit.ly/3fVhqun
Money Smart: https://bit.ly/33zwybA
Connect with Sam:https://www.linkedin.com/in/sam-rubin-29202a16/
Financial abuse (also known as economic abuse) is a form of domestic violence that is not often talked about, but can have a severe impact on the security and wellbeing of the abused partner, as well as children/dependants.It has been estimated that 15% of Australian women have experienced financial abuse and there has been a marked increase in the number of women over 50 finding themselves in situations of financial hardship.Many women are not aware they are victims of financial abuse.Elisa Fear is an accomplished Non Executive Director, with extensive financial executive experience across a range of investment banking roles.Elisa is also committed to providing support for women and children facing domestic violence and financial abuse.Your Toolkit is a comprehensive resource containing information to assist women and children facing domestic violence and financial abuse transition to becoming independent, empowered and financiallyresilient.Your Toolkit is specifically tailored for their circumstance and provides crucial information in relation to personal finances as well as other relevant, practical information that will assist them on theirjourney to independence and security.YourToolkit: https://www.yourtoolkit.com.au/YourToolkit Summary: https://bit.ly/2HpXvH0YourToolkit FAQ: https://bit.ly/2J4xoFTConnect with Elisa:https://www.linkedin.com/in/elisafearau/
Almost no area of our lives remains untouched by technology.Thinking about your own consumer behaviour in recent years, we are attracted to businesses that give us a rich experience. Many of these businesses are digitally driven - ie. Netflix, Amazon.This digital experience is now present in tools that can help you manage your financial world.- Automated tools to track your budget and cashflow- Aggregate all of your 'live' financial data and track progress to your goals.- Easily manage all of your relevant details, including documents.Chris Ridd is a business executive with 30 years experience in the IT industry. Chris is the former CEO and now non-executive board member of 'myprosperity'.Established in 2011, myprosperity aims to cause a shift in the way households think about and manage their finances. Utilising the latest cloud technologies and connecting with real-time data feeds, it provides comprehensive wealth reports to give the user a true picture of their overall financial health.Aspire Wealth Portal.App Store: https://apple.co/36r2eAKGoogle Play: https://bit.ly/36qo9YQAspire Planninghttps://aspireplanning.com.au/aspire-wealth-portal/Michelle Tinsley LinkedIn: https://www.linkedin.com/in/michelletinsley1/Website: https://www.behindthescenes.marketing/
Do you understand Home Care Packages that are available for older Australian's?
Most older adults wish to stay at home during their later life years.
Staying connected to family, friends, social groups and community is an important part of keeping healthy and staying independent as you get older.
But physical disabilities and cognitive impairment might force a decision on living at home.
But there is a system that provides generous government subsidies to support people to live at home - 'Home Care Packages'.
Kyra-Bae Snell is the co-founder of Care About. She started CareAbout to make finding quality Aged Care simpler, more affordable and to provide families and loved ones with choices that meet their individual needs.
Care About services include:- Straightforward comparison of services, fees and costs- Simple, plain English explanation of the Care choices available- Repository of expert knowledge- Quality recommendations
Care About https://www.careabout.com.au/
Louise Biti, AFR Article - 'Take control of Aged Care at Home'https://bit.ly/3pnQ6Jw
Aged Care Information - Aspire Planninghttps://bit.ly/3lraQxB
The people of Japan believe that everyone has an 'ikigai' - a reason to jump out of bed each morning.And those that discover their 'ikigai' have everything they need for a long and happy life.Hector Garcia is a writer and is a citizen of Japan, where he has lived for 16 years, and also Spain, where he was born. He is the author of several books about Japanese culture.Hector went in search of his own life's purpose and in doing so, started looking at this mysterious word, 'ikigai'.What eventuated was that Hector and his co-author Francesc Miralles wrote a book on the topic, called 'Ikigai - the Japanese Secret to a Long and Happy Life'. Such was the beauty in the way it was written, explained and presented that it became an international best seller.Ikigai is the place where our passion (what we love), mission (what we hope to contribute), vocation (the gifts we have to offer the world) and profession (how our passions and talents can become a livelihood) converge, giving us a personal sense of meaning. The book helps you bring together all of these elements so that you can enjoy a balanced life.Ikigai Diagram https://bit.ly/3l3ry61Hector's BooksA Geek in Japan https://bit.ly/367yYySIkigai - the Secret to a Long and Happy Lifehttps://amzn.to/32h94aQThe Book of Ichigo Ichiehttps://amzn.to/3ezqQebThe Ikigai Journeyhttps://bit.ly/2Gxz1etForest Bathing: the rejuvenating practice of Shinrin Yokuhttps://bit.ly/2TUDwTA
It is the job that many of us put off. Discussing what happens when you die or are incapacitated is not comfortable.
Yet when asked, most people say that their family is their most important priority.
In this episode we break down the Estate Planning process, its not as hard as you think.
Tara Lucke is not your typical lawyer. In a lot of ways. She only does estate planning, tax, asset protection, business succession, trusts and super. No disputes; No property stuff.
Tara is passionate about two things in law:
1. She loves helping clients reach peace of mind about the protection of their wealth and transition to the next generation; and2. She believes in supporting financial advisers and accountants to use estate planning to build trust and give their clients peace of mind.
What is an Estate Plan and why you need one https://bit.ly/37xfc1Q
10 mistakes people make when nominating financial controllers https://bit.ly/3m72ECI
Aspire Estate Planning service https://bit.ly/37qNns0
Want to better understand how a managed fund works, such as your Super?We are bombarded with investment news everyday, much of this is sensationalised to maximise the anxiety of the reader or viewer. In 2020, this has been heightened with the COVID pandemic.This episode is intended to empower you with knowledge around the basics of managed funds and investments in general. It will help you cut "through the noise" and view your investments through lens that is less emotional.Rebecca Pope is the Head of Intermediary at one of the worlds largest investment companies, Vanguard Investments.Rebecca takes us through the various characteristics of managed funds as well as providing us with investment principles during a market downturn.Connect with Rebecca:https://www.linkedin.com/in/rebecca-pope-670812a/Vanguards Investment Principles https://bit.ly/2IF6K6p
In the 21st century, we are living longer healthier lives than in anytime prior.With technology and healthcare extending our life expectancy and quality of life, the traditional model of 3 distinct life stage of education, career and retirement has become redundant.With an extended healthy middle-age and working life, there is an opportunity to reframe learning, work, rest and play looks like for you.Natalie Yan-Chatonsky is a social entrepreneur, advocate in the longevity economy and co-founder of Full Time Lives.Her enterprise collaborates with organisations to enable experienced professionals build meaningful, healthy and connected lives after full time work.Full Time Lives https://fulltimelives.com/Multi-Stage Life Worksheet https://bit.ly/3nfoTro'The 100 year life' http://www.100yearlife.com/'The New Long Life' https://thenewlonglife.com/
Want to give your child a head start in life? Do you have funds already saved but wonder if you could get these funds to work a little harder?An Investment Bond is well suited to the the purpose of giving your child a financial head start.Whilst you need to have a long investment horizon (ideally 10 years), an Investment Bond is well suited to the purpose of giving your child a financial head start.We chat with Laura Salsbury from Generation Life to gain an better insight into how the Investment Bond works.https://genlife.com.au/All investment products have specific characteristics which provide benefits and also apply limitations. Its vital that you understand these elements in detail before investing in any product.The information in this podcast is of a general nature and does not take into account your own financial objectives, circumstances or needs. You should consider your own personal situation and requirements before making a decision. If you have concerns or questions, please contact me.The attached material shows past market performance. Please note that past performance and historical data are not reliable indicators of future performance and market behaviour.RICK FOSTER - WHY WORRY WALLY?https://www.rickfoster.com.au/why-worry-wallyIllustrations by Jackie Case http://jackiecase.comFor over 25 years Rick forged a career as a successful copywriter. Twenty of those were as partowner and founder of Tank, a creative agency that strived to make a meaningful difference through their work.But then he had a mental breakdown, suffering severe anxiety which made him relook at everything. Family. Life. Career.What was the hardest time of his life also became the happiest, as he reignited his passion for writing.Drawing on his own experience and the struggles both his young daughters experienced with anxiety, he wrote and self-published his first picture book, Why Worry Wally? to help kids talkabout and cope with their worries and anxiety.Rick is a strong advocate for mental health, in particular anxiety in children and men, and passionate about de-stigmatising issues around mental health.https://kidshelpline.com.au/donate
What does a well designed weekly food plan mean for our time, our enjoyment and our hip-pocket? Food is a major part of our lives. There are wellbeing benefits from creating in the kitchen, connecting with families and friends over a meal and eating a healthy and nutritious diet. It is also one of our largest items of expenditure! We tackle the everyday challenges of preparing food for yourself or your family with Nellie Kerrison, author of "Relish Mama - Family" cookbook.Nellie Kerrison is the proud owner and founder of Melbourne’s acclaimed culinary school, Relish Mama which began in 2009. Many years of experience in the food industry with a strong background in business. Nellie grew up with a love and appreciation of cooking ‘real food’ and places an enormous priority on family. Nellie is a Mother to three wonderful teenage daughters. She is a highly regarded and experienced culinary teacher and a food writer and has written for leading magazines and newspapers. She has a deep love of travelling and leads culinary tours overseas every year, mostly to Europe. Nellie is the published author of two cookbooks.Relish Mama – Family cookbook https://bit.ly/3l0F1ebBlog - What to cook the week ahead https://bit.ly/2Gjj1MRShopping List for the week ahead blog https://bit.ly/3kOy2VQ
Everybody's favourite topic! Well maybe not, but each of us need to create a version that takes our financial resources and puts them to good use. Why is budgeting such an emotive topic? What is a budget? What is cashflow and why is it the cornerstone of the whole process?
You might think that budgets & cashflows are boring, but if you this right, you will unlock the door to fulfilling your goals! Tim Henry provides the base principles to get you into the driver’s seat, take control of your financial resources and start building momentum.
TGIG Budget Spreadsheet https://bit.ly/3cDTlX6
You can design your plans, but meaningful plans have to align to a life that you love. A life that you love has to be a true reflection of your own values. By making a deliberate effort to identify and live according to your key values, you will not only minimise stress and anxiety, but be more likely to have a feeling of freedom. But what are values? Why are they so important? And how can we better understand our own Values?
We discuss these topics with Amanda McMillan.Amanda co-founded Wellineux, following many years working in the corporate world, witnessing fellow leaders, colleaeges and team struggle with modern day dis-ease.Wellineux was created with the unwavering intention: ‘To equip individuals and workplaces everywhere with strategies, knowledge and support to achieve peak performance and busines success”[Dis-ease, noun: lack of ease of harmony in the body as a result of the pressures of modern day life].
Wellineux Bio https://bit.ly/3ieSttjJOM Values Booklet https://bit.ly/36kb6tt