Common sense financial advice for all stages of life.
You work too hard to leave your financial life to luck. Listen in as our Financial Advisers detail their top tips and strategies to help you succeed financially - from retirement planning to everyday easy wins you can utilise to get ahead.
~ Invest Wisely ~ Retire Confidently ~ Protect your Hard-Earned Money
''Just One More Year'' When Is It Actually Time to Retire?
What happens when “just one more year” of work turns into five?
For many people approaching retirement, the decision isn't simply about reaching a particular superannuation balance. It can also involve uncertainty, lifestyle, health, family, and the question of what retirement will actually look like.
In this episode, financial advisers Rachael and Rob explore why some people keep moving the goalposts on retirement, whether there really is a “perfect” number to retire with, and the risks of waiting indefinitely for one.
They also discuss the role financial projections can play in helping people understand whether their income and assets may support the lifestyle they want, including the importance of balancing financial security with enjoying the healthier and more active years of retirement.
Whether you're approaching retirement yourself, helping a family member plan for it, or working with clients who are asking, “Can I afford to retire yet?”, this conversation offers some useful perspectives to consider.
💬 Have you ever caught yourself thinking, “I'll just work one more year”?
Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401.
15 Sept 2026
Your Will Isn’t Enough- 5 Estate Planning Documents You Need
Estate planning isn’t just about deciding what happens to your assets after you die. It’s also about making sure the right people can make important decisions for you if you’re no longer able to make them yourself.
In this episode, financial advisers Amy Lehmann and Robert Goudie break down five key documents worth considering as part of your estate plan, including:
👉 Wills and testamentary trusts
👉 Binding death benefit nominations for superannuation
👉 Medical powers of attorney
👉 Advance care directives
👉 Financial powers of attorney
They also discuss why estate planning can be important even when you’re young, how superannuation fits into your estate plan, and some of the complexities that can arise when family relationships, children, significant assets or vulnerable beneficiaries are involved.
In this conversation they also explore a real-world estate planning scenario and why simply leaving someone out of a will may not always achieve the outcome you intended.
Whether you’re starting to think about estate planning for the first time or reviewing documents you already have in place, this conversation is a useful starting point for understanding what you may need to consider.
⚠️ General information only: This video is provided for educational and informational purposes and contains general commentary from financial advisers. It does not take into account your personal objectives, financial situation or needs, and should not be relied upon as personal financial advice. Defined benefit arrangements and superannuation rules can vary, so consider seeking professional advice before making financial decisions. Want to take the retirement conversation further?
Rob and Amy will be unpacking more retirement planning topics at their upcoming live seminar, “Retiring with Confidence and Understanding Division 296”, on 23 September at 7pm.
If you're in the Horsham and Wimmera region, you can join them in person at the Horsham Golf Club. Prefer to tune in from home? The session will also be available via livestream and Teams webinar.
📅 Register for the live seminar: https://www.eventbrite.com.au/e/retiring-with-confidence-and-understanding-division-296-tickets-1996919639397
💻 Watch online via Teams: https://events.teams.microsoft.com/event/bda5b7eb-c493-49f4-a2ab-cb8c155a72e6@6c89b958-14fe-4b1c-87d6-35e907781f66
Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401.
28 Aug 2026
Defined Benefit Pensions: Take the Lump Sum or Lifetime Income?
Would you take a guaranteed income for life, or a lump sum that could potentially be passed on to your family? In this episode, financial advisers Rob Goudie and Ash Rowan break down the key considerations around defined benefit pensions and the choices people may face as they approach retirement. They discuss how defined benefit pensions generally work, why the options can vary between schemes, and the trade-offs between taking a lifetime pension, a lump sum, or a combination of both.
The conversation covers:
📌How defined benefit pensions are generally calculated
📌The appeal of a guaranteed, potentially inflation-linked income
📌Lump sums and the investment risk that comes with managing the money yourself
📌What can happen to a pension when you die
📌Why your relationship status and estate planning can influence the decision
📌Lifetime income products and annuities as another option
📌Strategies that may be available when moving a lump sum into super
📌What people approaching retirement should consider before making an election
One of the biggest takeaways? There isn't a single "right" answer. Defined benefit pensions can have very different rules and options, so understanding exactly what your particular scheme offers is critical before making a decision.
Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401
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Questions about Investor Motivation
Who hosts Investor Motivation?
Robert Goudie and Rachael Todman and Amy Lehmann host the show. Published by Consortium Private Wealth.
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