Financial Autonomy

You're earning good money, paying down your mortgage and doing all the right things. But are you missing an opportunity to build wealth along the way? 

And what if you didn't have to choose between paying off your home loan and growing your investments? 

In this episode, Nick Donato is joined by mortgage broker Aiden Goolman to explore debt recycling, a strategy that could help you make better use of your existing debt and potentially reduce your tax bill. They unpack how it works, who could benefit and the risks worth understanding before making a move. 

Inside this episode: 

Why paying off your mortgage as quickly as possible isn't your only option 


How you could start building an investment portfolio without increasing your total debt 


The potential tax advantages for higher-income earners 


The mortgage setup mistakes that could cost you valuable tax deductions 


How to decide whether debt recycling is worth considering for your circumstances 


You can find Aydin on Linkedin here 

FREE DEBT RECYCLING FACT SHEET 

Curious whether debt recycling could work for you? Download our free fact sheet covering the potential benefits, risks and key things to consider before getting started. 

Download the guide here. 

READY TO MAKE MORE OF YOUR MONEY? 

If you're in your 30s or 40s, earning a good income but unsure how to turn it into long-term wealth, our Wealth Builder service can help you make smarter decisions about your mortgage, investments and financial future. 

Explore Wealth Builder 

 

Visit our website here https://www.guidancefs.com.au/ and you can also find all our links here. 

General advice disclaimer

You've spent decades building your super and retirement is finally within reach. But what if the sharemarket crashes just as you're preparing to stop work?
Could you still retire as planned? Would you need to scale back your lifestyle? And could a few bad years in the market affect how long your money lasts?
In this episode, Paul Benson explores a retirement risk many people overlook. He reveals why two people with identical savings and investment returns could end up with vastly different outcomes, and what you can do to prepare.
Inside this episode:
Why the timing of a market downturn matters more as retirement approaches

How two retirees with $1 million could end up with dramatically different balances

When market losses can have lasting consequences for your retirement

Four ways to manage investment risk as you approach retirement

Why playing it too safe with your super could also cost you

PLANNING TO RETIRE IN THE NEXT FEW YEARS?
Knowing when you can retire is one thing. Knowing how much you can spend, how to protect your savings and whether your money will last is another.
At Guidance Financial Services, we help you turn your super and investments into a personalised retirement plan, so you can retire with confidence and enjoy more of what you've worked for.
Explore our retirement planning services.


IN YOUR 30s OR 40s? MAKE YOUR MONEY WORK HARDER.
The decisions you make today could have a big impact on when you can retire and the lifestyle you can afford.
Our Wealth Builder service helps you make smarter decisions about your super, investments and mortgage, with a personalised plan to build wealth and create more financial freedom.
Learn more about Wealth Builder and see how we can help you get ahead.


Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. 

General advice disclaimer

You want to retire while you're young enough to enjoy it, with enough money to say yes to the trips, the experiences and more time with the people you love. But how do you feel confident spending your savings when you don't know how long they need to last? 

As retirement gets closer, it's easy to focus on a date and a target super balance. Whether those savings will support the life you want decades later can be much harder to judge. 

In this episode, Paul Benson draws five lessons from Australia's latest Intergenerational Report to explore what our changing future could mean for your retirement. From the decisions that feel safe to the expenses that seem a long way off, there's plenty worth thinking about before you leave full-time work. 

In this episode: 

Are you looking far enough ahead when deciding whether you can afford to retire? 


Could an investment approach that feels reassuring now create a different problem later? 


What might you want your money to make possible in your 80s and 90s? 


How could the way you leave work change your retirement options? 


What does Australia's future mean for the plan you're making today? 


WANT TO FEEL MORE CONFIDENT ABOUT YOUR RETIREMENT? 

When can you afford to stop working, how much could you comfortably spend, and will your money last? Guidance Financial Services can help you put the numbers around the retirement you want, so you can make decisions with greater confidence.  Book Your Appointment 

Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. 

General advice disclaimer

You'd love to work less. The house needs renovating. You want to help the kids, take that family holiday and still have enough to retire comfortably.
Every goal has a good argument behind it. But when they're all competing for the same money, how do you choose without feeling you're giving up something important?
In this episode, Paul shares a practical exercise he uses with clients to help them work out what comes first. The priorities that emerge can surprise even the people making the decisions.
In this episode:
Why having plenty of plans for your money can leave you struggling to make a move

The surprising thing Paul finds when clients explore what matters most to them

A practical exercise to help you choose between goals that all feel important

How to find common ground when you and your partner have different priorities

What needs to be clear before you can find out which goals are within reach

WANT HELP TURNING YOUR PRIORITIES INTO A FINANCIAL PLAN?
Work out what's possible and how to move towards the goals that matter most to you. Book your appointment here.
ARE YOU IN YOUR 30s OR 40s WITH BIG PLANS COMPETING FOR YOUR MONEY?
Wealth Builder helps you balance family priorities, life today and building wealth for the future. Explore Wealth Builder.


Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. 

General advice disclaimer

Active fund managers have teams of analysts researching companies, watching markets and deciding exactly what their funds should buy and sell. 

If anyone should be able to beat the market, surely it is them. 

Yet over 15 years, 89% of active Australian share funds failed to do it. 

It is a result that challenges one of the most tempting ideas in investing: that more research, more activity and more expert decision-making should produce better returns. 

So why does a far simpler investment strategy keep coming out ahead? And what could that mean for the way you are building wealth? 

In this episode, Nick and Paul unpack why trying to beat the market can leave investors further behind, and why the latest results strengthen the case for the index-at-the-core approach we favour at Guidance Financial. 

They also look at another risk many investors miss. You could own hundreds of companies and still have far more of your wealth riding on the same industries than you realise. 

Inside this episode: 

Why so many professional fund managers struggle to beat the market 


The small group of shares that can have an outsized effect on returns 


What investors risk missing when they try to choose the winners themselves 


Why a portfolio can look diversified without being properly diversified 


What Australian investors may be missing by staying close to home 


Why international investing involves more than spreading money between countries 


Whether a simpler investment approach could give you a better chance of reaching your goals 


At Guidance, we use an index at the core approach. We help clients decide how their investments should be structured, where they should be held and how they fit with their income, super, debt, tax position and long-term goals. You can learn more about how we manage your money here.  Are You in Your 30s or 40s and Ready to Make More of Your Money? 

If you're earning well but unsure whether you're investing enough, using super wisely or making the right moves, Wealth Builder can give you a clear plan for turning today's income into long-term wealth. Learn more here.  Visit our website here: https://www.guidancefs.com.au/ and you can also find all our links here. 

General advice disclaimer