Investor Motivation

Rob Goudie and Ash Rowan discuss a crucial strategy for retirees looking to minimize potential death benefit taxes on their superannuation. Ash shares a real-life case study of a retired couple with a $1.3 million superannuation balance that is fully taxable. They explore the complexities of taxable vs. tax-free components within superannuation and how changes to CGT and negative gearing can impact estate planning.
The discussion delves into a "recontribution strategy," a method of withdrawing funds from superannuation and recontributing them as non-concessional contributions. This process aims to increase the tax-free component of the superannuation balance, thereby reducing the tax liability for beneficiaries. 
Don't miss this valuable discussion on proactive superannuation and estate planning to protect your assets for the future.
 
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

Going through a separation or divorce can feel overwhelming, emotionally and financially. In this episode, Rob Goudie and Rachael Todman discuss how to make calmer, smarter financial decisions during a difficult life transition. Rachael shares a real-life story that highlights why it’s important not to rush major decisions when emotions are running high. This episode provides practical guidance, reassurance, and simple steps to help you regain financial confidence and create a more secure future after divorce or separation.
 
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

Australia’s 2026 Federal Budget has landed, and there are major proposed changes that could impact taxpayers, property investors, business owners and families across the country. In this episode, Amy and Rob break down the key announcements from the Federal Budget handed down on 12 May 2026, including: • Personal income tax cuts from 1 July 2026• The proposed new $250 Working Australians Tax Offset (WATO)• The new $1,000 instant tax deduction for work-related expenses• Proposed Capital Gains Tax (CGT) reforms• Changes to negative gearing rules for residential property investors• Proposed 30% minimum tax for discretionary trusts• What these changes could mean for investors, retirees and everyday Australians They unpack what’s already legislated, what’s still proposed, and the practical implications you should be aware of moving forward. ⚠️ Please note: Some measures discussed are proposed changes only and are subject to legislation being passed. If you have questions about how these changes may affect your personal situation, reach out to the team for tailored advice.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. 

Feeling overwhelmed by aged care finances? Confused about the RAD (Refundable Accommodation Deposit)? You're not alone. In this episode, we break down exactly what a RAD is, how it works, and the crucial financial complexities you need to navigate when choosing aged care in Australia. If you or a loved one are facing aged care decisions, this podcast episode will provide the clarity and confidence you need. Tune in to take control of your aged care finances!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

Want to legally reduce your tax and boost your retirement savings at the same time?
In this episode, financial planners Rob Goudie and Ashley Rowan break down one of the most powerful, and often overlooked, strategies in Australia: catch-up concessional (carry forward) super contributions.
With decades of combined experience, Rob and Ash explain how this strategy works, who qualifies, and how you can potentially save thousands in tax by making smarter super contributions.
If you’re earning a solid income or planning a major financial move, this is a must-watch strategy that could make a serious difference to your long-term wealth.#Superannuation #TaxStrategy #InvestingAustralia #FinancialPlanning #WealthBuilding 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

Is the government's 5% deposit scheme really helping first home buyers, or is it pushing them into unsustainable debt? Rob Goudie and Ashley Rowan dive deep into the pros and cons, the inflationary impact, and what you really need to consider before entering the property market. We discuss the true cost of homeownership, the role of banks, and offer advice for smarter financial decisions.#FirstHomeBuyer #PropertyMarket #Australia #HousingAffordability #RealEstate #FinanceRobert 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

Considering retiring before age 60 but unsure whether it’s financially sustainable?
 
In this episode, Rob Goudie and Ashley Rowan discuss key considerations for those looking to retire before accessing superannuation. Using a real client scenario, they outline approaches to managing the gap to age 60, including tax timing and more conservative income strategies such as cash and term deposits.
 
They also explore the role of financial modelling in assessing sustainability, the potential impact of delaying retirement, and the importance of balancing lifestyle objectives with long-term financial security, including future aged care considerations.
 
This podcast contains general advice only and does not take into account your objectives, financial situation or needs. You should consider whether the information is appropriate to your circumstances and seek professional advice where appropriate.
 
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

Thinking about moving closer to family but worried about the financial risks? In this episode, Rob Goudie chats with Rachel about a real client case study and how to make a big move without taking on unnecessary debt.
We talk about why rushing into property decisions can end up costing more than you expect, the hidden impact of debt on cash flow, retirement savings and lifestyle goals, and why renting first can be a smart way to test a new location. We also cover strategies for maximising super contributions and maintaining financial flexibility in your 50s.
If you’re thinking about buying, moving, or upgrading your home, this episode gives practical advice to help you make calm, confident financial decisions.
🔔 Subscribe for more tips on investing, wealth planning, and financial confidence. #InvestorMotivation #PropertyAdvice #FinancialPlanning #DebtFreeLiving #retirementplanningRobert 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. 

What should a 25-year-old do with a $2–3 million inheritance?
In this episode, we break down a real-life case study of a young couple receiving a large early inheritance and the smartest ways to use it for long-term financial security and lifestyle balance.
We talk about whether it’s better to buy a home outright or take on a mortgage, and why learning to manage debt and cash flow still matters even when you have significant wealth. The conversation explores how to avoid lifestyle inflation, how to invest wisely across different assets, and why diversification is key.
We also dive into more advanced strategies like structuring investments through trusts, understanding tax implications, and how to make your money work for you over time. On top of that, we unpack the risks behind common property advice online, including overleveraging and relying too heavily on debt-driven strategies.
This episode is ideal for young adults receiving an inheritance, parents thinking about passing down wealth, and anyone who wants to build long-term financial freedom with intention and discipline.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. 

Are you making financial decisions you might regret later?
In this episode, Rob Goudie and Rachel Todman dive into the most common (and costly) money mistakes people make, often without realizing it until it’s too late.
From upgrading homes and taking on too much debt, to panic-selling investments and ignoring long-term planning, this conversation breaks down real-life scenarios they see every day, and how you can avoid them.
This is not about judging decisions, it’s about helping you make smarter, more confident financial choices.  Whether you're investing, buying a home, or planning your future, this episode will help you pause, think, and avoid costly regrets.
 
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.