The Wealthlab Podcast (Aust)

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/?utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Can you retire at 60 with $500,000 in super? It’s a question many Australians ask, but the answer depends less on hitting a magic number and more on how much you want to spend, when you retire, and how long your savings need to last.In this episode, Phil and Dan put the $500,000 retirement question to the test using a realistic couple’s scenario. They model different retirement ages and spending levels to show how decisions around work, lifestyle, inflation and the Age Pension can dramatically change the outcome.You’ll learn: - Whether $500,000 in super could realistically support retirement from age 60 - Why the seven-year gap between age 60 and Age Pension age can put additional pressure on your super - How retiring at 60 versus working a few extra years can dramatically change how long your savings last - Why retirement spending often changes over time and how inflation affects your future income needs - The trade-off between retiring earlier, spending less and working longer to fund the lifestyle you want This episode is for Australians aged 55+ wondering whether they have enough super to retire and what their retirement lifestyle could realistically look like. Rather than relying on a single retirement number, it shows why testing different scenarios and planning ahead can help you make more informed decisions about when to stop working and how much you can afford to spend.About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAUDisclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/?utm_source=youtube&utm_medium=socialWant to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Investment bonds are often promoted as a tax-effective alternative when you've already made the most of super, but are they really as attractive as they sound? With changes affecting family trusts and tax planning, it's worth understanding where investment bonds can genuinely fit and where the benefits may be overstated. In this episode, Phil and Dan break down investment bonds in plain English, including how they're taxed, the 10-year rule, and how they compare with investing personally, through super or other structures. They also explore situations where investment bonds may have a genuine role in tax and estate planning.You’ll learn: - What an investment bond is and how the tax structure works - Why “tax paid” doesn't mean “tax free” and what happens inside the bond - How the 10-year rule works and why accessing your investment earlier can have tax consequences - When investment bonds may be worth considering after you've made the most of super - How investment bonds can be used for estate planning and potentially passing wealth directly to beneficiaries This episode is for Australians approaching retirement who have investments outside super or are looking for tax-effective ways to structure long-term wealth. If you're considering investment bonds, family trusts or other investment structures, this conversation will help you understand the trade-offs before making a decision.About Wealthlab: Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Do you really have to work until 67 before you can retire? It's one of the biggest myths in Australia. For many people, retirement can happen years earlier, if you understand how to bridge the gap before the Age Pension starts. In this episode, Phil and Dan explore practical strategies that can help Australians retire before Age Pension age. From accessing super at 60 to lesser-known Centrelink opportunities and smart super structuring, they explain how thoughtful planning can create more flexibility and potentially bring retirement forward. You’ll learn: - Why turning 67 isn't the same as your retirement age, and when you can actually retire - How to use your super from age 60 to generate retirement income - before the Age Pension begins - Why JobSeeker may be an option for some pre-retirees, particularly those doing volunteer work or reducing work hours - How couples with an age gap can structure super to potentially improve Centrelink outcomes - How strategies like super splitting can help maximise retirement income and Age Pension eligibility over time This episode is for Australians aged 55+ who want to retire before 67 or are wondering if it's financially possible. If you're looking to maximise your retirement income, make the most of your super, and understand the strategies available before the Age Pension kicks in, this conversation will help you plan with greater confidence. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Using your super to pay for dental work or medical treatment might seem like an easy solution today, but it could cost you hundreds of thousands of dollars in retirement. Before accessing your super early, it's important to understand the long-term financial consequences and whether there are better alternatives. In this episode, Scott and Phil unpack the growing trend of businesses promoting early access to super for medical procedures under compassionate release provisions. They explain how the rules work, who they're intended for, and why withdrawing from super should only be considered after exploring every other option. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Scammers are getting smarter, and AI is making it harder than ever to tell what's real. From deepfake videos and cloned voices to fake investment platforms and employment scams, today's fraudsters are using sophisticated technology to target Australians and steal their money. In this episode, Scott and Phil explore the latest scams affecting Australians and explain how artificial intelligence is changing the fraud landscape. Drawing on real client experiences and recent scam trends, they share practical advice to help you recognise warning signs and protect yourself and your family About Wealthlab: Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Everyone has heard that compounding is powerful, but very few people truly understand how it works. The biggest gains often happen later in life, which is why starting early and staying invested can make such a dramatic difference to your retirement outcome. In this episode, Scott and Phil explain the power of compounding in simple terms and why it's one of the most important concepts in long-term investing. They use real-world examples, historical case studies, and retirement planning scenarios to show how time, investment returns, and inflation can either work for you or against you. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social The government has announced it will ban new borrowing through Self-Managed Super Funds (SMSFs) for residential property. But will this actually make housing more affordable or simply remove another wealth-building strategy without addressing the real issues in the property market? In this episode, Scott and Phil unpack the proposed changes to SMSF borrowing rules, explain how Limited Recourse Borrowing Arrangements (LRBAs) actually work, and examine whether the data supports the government's rationale. They also discuss what these changes could mean for retirement planning and property investors moving forward. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Want to chat? Book a free intro call → →https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social What happens when gambling is dressed up to look like investing? From CFD trading platforms to forex apps and “financial freedom” seminars, millions of Australians are being targeted with products that promise wealth but often leave people worse off. In this episode, Scott and Phil unpack a recent ASIC case that resulted in a $300 million penalty against a CFD provider. They explain how these products work, why so many people lose money, and the emotional and financial damage they’ve seen firsthand from Australians who thought they were investing when they were really speculating. You’ll learn: - What CFDs (Contracts for Difference) are and why they’re fundamentally different from investing - How leverage magnifies gains but can wipe out your money just as quickly - Why ASIC found serious misconduct in the way some CFD products were marketed - The warning signs to watch for in trading platforms, seminars, and “financial freedom” programs - What long-term investing looks like compared to short-term trading and speculation This episode is for Australians who want to build wealth without falling into common investing traps. If you’ve ever been tempted by trading apps, leveraged products, or promises of quick profits, this conversation will help you separate genuine investing from speculation and make more informed financial decisions. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Every time the property market slows down, the headlines start screaming the same thing: house prices are crashing, rents are exploding, and the sky is falling. But when you look beyond the media noise, the reality is far more nuanced and far more useful for investors and homeowners. In this episode, Scott and Phil unpack what’s really happening in the Australian property market. They explore the impact of higher interest rates, housing supply shortages, proposed tax changes, and why many of the headlines driving fear aren’t telling the full story. You’ll learn: - Why higher interest rates are having a bigger impact on property prices than recent budget proposals - How borrowing capacity changes can affect what buyers are able to pay for property - Why Australia’s ongoing housing shortage continues to support long-term property demand - The risks of buying in large new housing developments where future supply may limit growth - Why investment decisions should be based on fundamentals, not media headlines or tax incentives alone This episode is for Australians aged 55+ who own property, are considering investing, or want to understand how current market conditions may affect their retirement plans. If you’re looking for a balanced perspective and practical insights instead of sensational headlines, this conversation will help you make more informed decisions. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ A lot of the superannuation videos online leave people more confused than when they started. So in this episode, Scott and Phil cut through the noise and focus on the super changes that actually matter for Australians over 50 before 30 June. With contribution caps increasing, payday super changes arriving, and several important rules resetting from 1 July, this episode explains the practical actions Australians should be considering right now. The focus is on avoiding mistakes, maximising tax efficiency, and making sure opportunities inside super aren’t missed. You’ll learn: - How the concessional contribution cap is increasing from $30,000 to $32,500 - What carry-forward contributions are and why some unused cap space may expire soon - How payday super changes could accidentally push some people over contribution limits - Why non-concessional contribution limits are increasing to $130,000 per year - The importance of contribution timing, processing cut-offs, and avoiding last-minute mistakes before 30 June This episode is for Australians aged 55+ who are actively contributing to super, preparing for retirement, or reviewing tax strategies before the end of financial year. If you want to avoid costly errors and make smarter super decisions while the rules continue to change, this conversation will help you stay ahead of it. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Is investment property dead or are Australians just reacting emotionally to proposed tax changes? With negative gearing and capital gains tax reforms dominating headlines, many investors are struggling to work out whether property still makes sense as a long-term strategy. In this episode, Scott and Phil break down the proposed changes to negative gearing and capital gains tax, explain what the legislation is actually targeting, and compare property investing against alternative strategies like ETFs and managed funds. They also unpack the misinformation spreading online and why investment decisions should never be driven by panic alone. You’ll learn: - How the proposed negative gearing changes could impact investment property cash flow - Why capital gains tax changes may not affect investors the way social media claims - How property compares to ETFs and managed funds from a tax and income perspective - Why leverage (borrowing power) has historically made property so attractive in Australia - The importance of focusing on long-term wealth planning instead of reacting to headlines This episode is for Australians aged 55+ who own investment property, are considering downsizing or restructuring assets, or want to understand how proposed tax changes may affect retirement planning. If you’re trying to make calm, informed decisions during a changing market environment, this conversation will help you cut through the noise. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ You’ve probably heard the number: $730,000 for a “comfortable retirement.” But what does that actually mean and is it even realistic for your life? The problem is, this figure assumes you own your home outright, spend money consistently every year, and live to a specific age. In this episode, Scott and Phil unpack the famous ASFA retirement benchmark and explain what sits behind the headline number. They explore why the figure changed so dramatically in recent months, how inflation and housing costs are affecting retirees, and why your personal retirement target could be very different. You’ll learn: - What the $730,000 retirement figure actually includes and what it leaves out - Why owning your home outright dramatically changes retirement outcomes - How inflation, rising living costs, and Age Pension changes are increasing retirement pressure - Why retirement spending is rarely “flat” and usually changes over time - How to work out your own retirement number based on your lifestyle and goals This episode is for Australians aged 55+ who are trying to understand whether they have “enough” to retire comfortably. If you want clearer expectations, more realistic planning, and confidence around your future lifestyle and income, this conversation will help you move beyond generic retirement averages. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ What does it actually mean when a financial adviser says they’re “independent” and why are most Australian advisers legally not allowed to use the term? It’s one of the most misunderstood parts of financial advice, especially for Australians trying to work out who they can trust. In this episode, Scott and Phil unpack how financial advice regulation works in Australia, why adviser commissions were largely banned years ago, and the strict legal rules around the word “independent.” They also explain how advisers select products, structure advice, and what clients should really be looking for when choosing an adviser. You’ll learn: - Why most Australian financial advisers legally cannot call themselves “independent” - How life insurance commissions still work and why they’re treated differently under the law - The difference between product-based advice and strategy-first financial planning - What “product agnostic” advice means in practice - The key questions to ask when choosing a financial adviser for retirement planning This episode is for Australians aged 55+ who want to better understand how financial advice works before making important retirement decisions. If you’re comparing advisers, reviewing your super strategy, or trying to avoid conflicted advice, this conversation will help you ask smarter questions and make more informed choices. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Three key changes to the Age Pension happened at the same time but most people only noticed one. If you don’t understand how Centrelink actually assesses your situation, you could be making decisions that unintentionally reduce your pension. In this episode, Scott and Phil break down how the Age Pension really works from the assets test and income test, to deeming rates and recent rule changes. They also walk through real examples to show how small differences in your financial position can impact your entitlement. You’ll learn: - How Centrelink applies the assets test and income test — and which one actually matters most - What counts as an asset (and what doesn’t), including super, property, and personal items - How deeming rates work and why they often benefit retirees more than expected - Why gifting money to family doesn’t immediately improve your pension position - How small changes in assets or income can significantly affect your Age Pension entitlement This episode is for Australians aged 55+ who want to understand how the Age Pension fits into their retirement plan. If you’re approaching eligibility or already receiving payments, this will help you avoid common mistakes, protect your entitlements, and plan more effectively. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ You probably already have insurance inside your super but do you actually know what it covers? For many Australians, this “set and forget” insurance can be misunderstood, underfunded, or not fit for purpose when it’s needed most. In this episode, Scott and Phil unpack how insurance inside super really works, what types of cover you may already have, and why it often doesn’t align with your actual financial needs. They also explain the key differences between default cover and tailored insurance strategies. You’ll learn: - What types of insurance are typically included in super (life, TPD, and income protection) - Why default cover is often lower than expected, and may not cover your real needs - How policy changes and fine print can impact your ability to claim - The difference between default super insurance and fully underwritten retail policies - When it makes sense to keep your existing cover, and when to review or replace it This episode is for Australians aged 55+ who want to protect their family, income, and retirement plans. If you haven’t reviewed your insurance in years, this conversation will help you understand what you have, what you might be missing, and how to make more informed decisions moving forward. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Self-managed super funds (SMSFs) are booming but does that mean they’re right for you? With over $1 trillion now sitting inside SMSFs, more Australians are taking control of their super… but not always for the right reasons. In this episode, Scott and Phil break down the reality behind SMSFs — why they’ve grown so quickly, who’s actually setting them up, and the key risks most people don’t consider. They explore when SMSFs can work well, and when they can quietly create more problems than they solve. You’ll learn: - Why SMSFs have grown to over $1 trillion and who is actually using them The most common reasons people set them up, including property and alternative investments - The real costs, responsibilities, and compliance requirements involved - Why “more control” can increase risk if you don’t have a clear investment strategy - When an SMSF might make sense and when a regulated super fund may be the better option This episode is for Australians aged 55+ who are considering taking more control over their super or exploring SMSFs. If you want to understand the trade-offs, avoid common pitfalls, and make informed decisions about your retirement savings, this episode will help you approach it with clarity. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ You’ve probably heard someone mention a “TTR strategy” but what does it actually mean, and should you be using it? For many Australians, misunderstanding this strategy can lead to missed opportunities… or costly mistakes. In this episode, Scott and Phil break down Transition to Retirement (TTR) in plain English what it is, how it works, and when it actually makes sense. They also explain how the rules have changed over time and why many people are still working off outdated information. You’ll learn: - What a Transition to Retirement (TTR) strategy is and how it works from age 60 - How you can use super to supplement income while reducing work hours - The rules around accessing super, including the 4%–10% drawdown limits - When TTR can be used for tax planning, cash flow, or future strategy - The risks of accessing super too early and reducing your long-term retirement balance This episode is for Australians aged 55+ who are approaching retirement and want to understand how to use super more effectively. If you’re considering cutting back work, improving cash flow, or planning the next phase of life, this episode will help you make smarter, more informed decisions. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Debt recycling is everywhere right now but is it actually a smart way to pay off your mortgage faster, or just another risky strategy being overhyped online? The truth is, it can work incredibly well… but only if you understand the risks and structure it properly. In this episode, Scott and Phil break down how debt recycling works in plain English, why it’s gaining popularity again, and where it can go wrong. They walk through real examples to show how using home equity to invest can accelerate wealth but also highlight the behavioural risks that can derail the strategy. You’ll learn: - What debt recycling actually is and how it converts non-deductible debt into tax-deductible debt - How using equity in your home can help build an investment portfolio over time - Why this strategy can reduce your mortgage faster while growing long-term assets - The real risks, including market volatility and selling at the wrong time - Why consistency and discipline matter more than trying to time the market This episode is ideal for Australians who have built equity in their home and are looking for more advanced strategies to grow wealth and reduce debt. If you’re considering debt recycling or want to understand whether it’s right for your situation, this episode will help you approach it with clarity and caution. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Downsizing your home and putting money into super might sound simple but it can come with hidden risks that catch many Australians off guard. From Age Pension impacts to costly moving mistakes, getting it wrong can have long-term consequences. In this episode, Scott and Phil break down how downsizer contributions really work, when they make sense, and where people commonly go wrong. They explore both the financial and lifestyle trade-offs, showing why this strategy needs careful planning, not just a quick decision. You’ll learn: - How downsizer contributions work and who is eligible to contribute up to $300,000 each - Why selling your home can reduce or eliminate your Age Pension entitlement - The 90-day rule and timing traps that can invalidate your contribution - How moving costs, stamp duty, and lifestyle changes can erode expected benefits - Why testing a new location before downsizing can help avoid costly mistakes This episode is for Australians aged 55+ considering downsizing or using home equity to boost retirement savings. If you want to avoid expensive errors, protect your income, and make confident decisions about where and how you live in retirement, this episode will help you plan it properly. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠ Book a free intro call → ⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Debt recycling is everywhere right now but is it actually a smart way to pay off your mortgage faster, or just another risky strategy being overhyped online? The truth is, it can work incredibly well… but only if you understand the risks and structure it properly. In this episode, Scott and Phil break down how debt recycling works in plain English, why it’s gaining popularity again, and where it can go wrong. They walk through real examples to show how using home equity to invest can accelerate wealth but also highlight the behavioural risks that can derail the strategy. You’ll learn: - What debt recycling actually is and how it converts non-deductible debt into tax-deductible debt - How using equity in your home can help build an investment portfolio over time - Why this strategy can reduce your mortgage faster while growing long-term assets - The real risks, including market volatility and selling at the wrong time - Why consistency and discipline matter more than trying to time the market This episode is ideal for Australians who have built equity in their home and are looking for more advanced strategies to grow wealth and reduce debt. If you’re considering debt recycling or want to understand whether it’s right for your situation, this episode will help you approach it with clarity and caution. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide