In today's episode, financial advisers Martin McGrath and Wayne Terry tackle retirement planning strategies and considerations for singles and widows, focusing on how to make the most of your assets. They also dive into a scenario of retiring with a $2M portfolio - unpacking whether to set up a pension, live off a managed fund, or rely on cash income.

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.

Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

To kick off the new year financial advisers, Martin McGrath and Wayne Terry answer your questions about:

👉 funding your pre-super years if retiring before 60

👉🏽 best way to structure joint investment property ownership

👉🏾 CGT strategies for moving shares into super

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.

Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

Retirement comes with its fair share of uncertainties, but understanding the risks can help you retire confidently. In this episode, Glen chats with Ben Marshan—former financial adviser and head of policy at the Financial Planning Association (FPA)—to unpack some of the biggest risks retirees face and how to tackle them. With years of experience helping clients and advisers navigate retirement, Ben shares valuable insights on how to approach this crucial life stage. They touch on:

👉 longevity risk

👉🏼 sequencing risk

👉🏽 inflation risk

👉🏾 market risk/diversification

👉🏿 interest rate risk

👉🏻 health care costs

👉 liquidity risk

👉🏼 behavioural risk

👉🏽 purpose and social risk

Learn more about Impaktful here: https://www.impaktful.com.au

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

In one of our final community Q&As for the year, Glen and Martin chat about:

👉 why you may or may not need a financial adviser

👉🏼 tax implications for inheriting shares and holding vs selling

👉🏽 and using testamentary trusts in estate planning

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

In today's episode Glen and financial adviser Martin McGrath answer your questions about:

👉 the transfer balance cap

👉🏼 investment and education bonds for kids

👉🏽 is super really as safe as everyone thinks?

👉🏾 investing in ETFs inside vs outside of super

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313.

Hosted on Acast. See acast.com/privacy for more information.

With Aussies losing $2.7 billion to scams last year, protecting your personal information is essential. In today's episode cybersecurity expert Fraser Jack shares some practical tips to protect your identity, secure your online accounts, and keep your retirement savings safe from digital threats.

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

In today's episode, special guest Pascale Helyar-Moray OAM joins Glen to unpack her new book Rich Woman, Poor Woman, which aims to help women maximise their superannuation and have financial security in retirement. Glen and Pascale dive into the gender super gap, the hidden costs of unpaid work, and actionable strategies to help women build wealth and retire right. They touch on:

👉 the alarming statistics that show that women are at greater risk of poverty in retirement

👉🏼 practical tips to grow your super balance

👉🏽 why the knowledge gap is the most dangerous factor in retirement planning

👉🏾 defining the meaning of a 'rich woman'

👉🏿 factors contributing to the super gap and affecting women’s financial security

📘 Get Pascale's book, Rich Woman, Poor Woman here: https://amzn.to/4g4YGWT

📘 Get Glen's book, The Quick-Start Guide to Investing here: https://amzn.to/3QNNrbv

🎧 Listen to our other episode with Pascale, 211b how to get cashback & how it works with Grow My Money - Listen on Apple Podcast here | Listen on Spotify here

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.

In today's episode financial adviser Phil Thompson from Skye Wealth joins Glen on the show to answer your questions about life insurance. They touch on:

👉 the 4 types: death cover, income protection, TPD and trauma

👉🏼 the 3 ways to obtain insurance

👉🏽 insurance inside super explained

👉 why use a financial adviser?

👉🏾 how financial adviser commissions work

👉🏿 is claiming easier inside or outside of super?

👉🏻 do you need life insurance and when to cancel it

To chat with an adviser about getting personalised life insurance advice check out: https://www.skye.com.au

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.

Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

Hosted on Acast. See acast.com/privacy for more information.