Today, we delve into the world of investment with Adam Dawes, Senior Investment Advisor at Shaw and Partners.   Possessing deep expertise and extensive experience in the Australian Stock Exchange, Adam imparts invaluable insights into the current market trends and investment strategies that are actively shaping the financial landscape.   Our discussion traverses Adam's journey from his early days in Canberra, starting in hospitality and transitioning to finance, and culminating at Shaw and Partners. Here, he has emerged as a prominent and respected voice in the Australian investment scene.   In this episode, we examine the impact of global events, such as the Russia-Ukraine conflict, on the market. We also consider the potential of burgeoning sectors like lithium and underscore the critical role of communication in nurturing client relationships.   Adam's optimistic outlook on future market trends, particularly concerning the growth in lithium and renewable energy sectors, offers listeners a glimpse into the emerging opportunities.   We delve into the collaborative partnership between Burke Britton and Shaw and Partners, highlighting how it has enhanced value for clients and underscoring our shared commitment to delivering premium financial advice and services to investors.   Explore more about Adam Dawes and his expertise:   Shaw and Partners: Visit Website Connect with Adam Dawes on LinkedIn: Adam's LinkedIn Profile   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Join us as we delve into the life and lessons of Alan Dobeson, a long-term Burke Britton client who has navigated an extraordinary journey both professionally and personally. Hosted by Jay and Peter Burke, this episode offers a unique look into Alan's storied history and his deep-rooted passion for customer service, leadership, and management.   Born and raised in Sydney, Alan's early life in Coogee laid the foundation for a diverse and impactful career. From humble beginnings to influential roles in the airline industry, including TAA, Australian Airlines, and Qantas, Alan's path is a testament to resilience and adaptability. His transition from the public service to handling the dynamic challenges of the airline industry and later roles in logistics management, paints a picture of a life rich in experiences and learnings.   But there's more to Alan than just his professional accolades. As a sports enthusiast, he's not only played cricket and rugby at high levels but also brought his leadership skills to the field as an international rugby referee, including a significant match that marked the end of apartheid in South African sports.   Most compelling, however, is Alan's unwavering dedication to customer service. In this episode, he shares valuable insights into his customer service philosophy, shaped by decades of front-line and management experience. His reflections on leadership, team management, and the importance of honest feedback resonate deeply, offering lessons that transcend industries.   As a long-term client, Alan's perspective is both enlightening and grounding. His journey, marked by dedication and a continuous quest for improvement, not only highlights the importance of strong client-advisor relationships but also underlines the value of experience and wisdom in personal finance.   Tune in to Episode 64 for an engaging conversation that's as much about financial insights as it is about the power of service, leadership, and personal growth.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

In this episode of the Fine Answers Podcast, we delve into the vital relationship between financial planning and legal services with Alice Growden and Nikita Chikohwa from Aspire Lawyers' Commercial Law Team. Our discussion highlights how both fields are essential in ensuring a secure future for clients.   Alice Growden, with her expertise in commercial law and debt-recovery litigation, and Nikita Chikohwa, who has shown remarkable growth from paralegal to lawyer, provide insights into their professional journeys and Aspire Lawyers' approach to legal services. They emphasize the importance of building strong, long-term relationships with clients and the commitment to providing personalized legal solutions.   The episode also covers the evolution of Aspire Lawyers in adapting to the changing landscape of legal services, including the shift towards more virtual interactions. Alice and Nikita touch on the significance of continuous learning and development within their team, which contributes to their diverse range of legal expertise.   This conversation offers a unique perspective on how legal services intricately weave into the fabric of financial planning, demonstrating the need for a cohesive approach to managing legal and financial matters.   Join us to gain valuable insights from the experiences of Alice and Nikita and learn how Aspire Lawyers is making a difference in the realms of law and finance.   Aspire Lawyers Website: Aspire Lawyers Alice Growden's LinkedIn: Alice Growden LinkedIn Nikita Chikohwa's LinkedIn: Nikita Chikohwa LinkedIn Aspire Lawyers Instagram: Aspire Lawyers Instagram   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

In today’s episode of "Fine Answers" Delta and Jay delve into the multifaceted life of Georgia Agar, the founder and director of Agar Legal.   Raised in Benalla, rural Victoria, and schooled in Shepparton, Georgia's early life was a blend of academic pursuit and sporting excellence, being preselected for the Australian Olympic team in giant slalom skiing.   Georgia opens up about her journey from pursuing international business studies to finding her true calling in law, a path influenced by her father's legal practice. She gives us an inside look at the trials and triumphs of establishing Agar Legal in 2022, amidst the intricacies of family life, demonstrating how she juggles the roles of a lawyer and a mother.   With a focus on family and criminal law, Georgia sheds light on her dedication to guiding women through the complexities of legal challenges they face. Her commitment extends beyond the courtroom through her active involvement in community service, including her contributions to Barwon Legal and initiatives like Eat Up Australia that link back to her Shepparton roots.   Discover more about Georgia and Agar Legal:   Website: Agar Legal Instagram: @agarlegal Community: Eat Up Australia   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Today, we're thrilled to have Peter Burke, Founder and Principal of Burke Britton Financial Partners, back from his captivating trip to Spain, where we explore the intersection of wealth and wanderlust.   In this episode, Peter shares his remarkable experiences from his recent journey through Spain, France, and Italy. He recounts the legacy trip to Cordoba, Spain, in honour of his partner's parents, and delves into the heart warming family moments and cultural explorations in cities like Madrid, Barcelona, and the southern coastal region. He also discusses his fascinating insights into the region's rich history, from Roman architecture to Muslim and Christian influences.   Peter reflects on the seamless operation of his business during his extended absence, highlighting the importance of building a reliable team and the concept of decentralized command. His ability to step away for a significant period without business disruptions is a testament to his leadership and the robust system he has established.   The conversation then shifts to financial planning, emphasising how Peter's trip aligns with the core philosophy of using financial resources to enable life experiences and personal fulfillment. He stresses the importance of using financial success not just as an end but as a means to enrich one's life and pursue passions.   Join us for this inspiring episode as Peter Burke not only shares his travel stories but also imparts valuable lessons on financial planning, lifestyle choices, and the beauty of embracing life's opportunities.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

In this enlightening episode of "Fine Answers," we delve into the intricate world of employment law with Jasmine O'Brien and Katherine Dennis, principal lawyers from Sladen Legal's employment law team.   With their extensive experience in the field, Jasmine and Katherine bring to the table a wealth of knowledge, spanning across various industries such as retail, transportation, manufacturing, and construction.   Join us as we explore their journeys from aspiring journalists to leading legal experts, shedding light on the dynamic and often challenging landscape of employment law. We discuss the nuances of workplace relations, from business restructuring and performance management to litigation and dispute resolution. Jasmine and Katherine share fascinating real-world scenarios, offering valuable insights into how employment law intersects with everyday workplace situations.   The conversation also navigates through the impact of social media on employment and brand reputation, the importance of setting clear expectations from the start of an employment relationship, and how to balance legal requirements with practical business needs.   This episode is not just for legal enthusiasts but for anyone interested in understanding the complexities of employment law and its application in today's ever-evolving business world. Whether you're a small business owner, HR professional, or just curious about the legalities of the workplace, Jasmine and Katherine's expertise is sure to enlighten and inform.   Don't miss this opportunity to gain from their decade-long professional relationship and deep understanding of employment law and for more engaging discussions, be sure to check out Jasmine and Katherine's Instagram series "Two Lawyers Talk."   Instagram: https://www.instagram.com/2lawyerstalk           Website: https://sladen.com.au/employment-law   Linkendin: https://www.linkedin.com/in/katherine-dennis-647b05a8/ https://www.linkedin.com/in/jasmine-o-brien-928a2351/   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Stefan Manche is a Principal Lawyer and Head of Wills, Estates and Succession Planning team at Coulter Legal.   Jay explores Stefan’s Maltese origins and the work ethic and values instilled in him by his parents that allowed him to develop his legal career alongside a growing family.   Having joined Coulter Legal in May 2020, Stefan brings with him significant expertise in wills, succession planning and estate disputes, but also an enthusiasm and purpose to change the face of estate planning advice and service in Geelong, Melbourne, and the Surf Coast.   Jay and Stefan discuss the vital intersection between Financial and Estate Planning and the value this brings to clients who demand a modern, wholistic and team-oriented approach to advice.   https://www.coulterlegal.com.au/wills-estates-planning/essentials/ https://www.instagram.com/coulter_legal/   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Cottage by the Sea is an Australian children’s charity, that aims to give more children more opportunities to have fun, be inspired and broaden their horizons.   Founded in 1890 in Queenscliff, Victoria, Cottage by the Sea provides tailored programs within a holiday environment.  Over a history spanning more than 130 years, the purpose has remained unchanged. In this time Cottage by the Sea has supported thousands of children toward a better future.   CEO, Adam Wake brings his diverse background in Law, Business & Outdoor Education together to lead Cottage by the Sea through an exciting phase of redevelopment and growth.   Supported by an amazing local, philanthropic and business community, Adam discusses the opportunities that Cottage by the Sea has to reach more children by way of a recently undertaken research program with Deakin University Geelong.   Anyone interesting in donating, volunteering, or exploring corporate relationships with Cottage can check out their website below.   Links: https://www.cottagebythesea.com.au/     If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Aimee BRIGITTE Lucas is Practice Manager at Burke Britton Financial Partners.   Having joined the practice as receptionist 12 years ago knowing little to nothing about financial planning and advice, Aimee has evolved into one of the industries most talented and admired business administrators.   Aimee discusses her passion for people and process, inherited at an early age from her parents’ work ethic and growing up in Portland Victoria.   Jay explores Aimee’s personal growth and how it has aligned unsurprisingly with Burke Britton’s growth and success.   They discuss the evolution of Financial Planning and its accessibility to more Australians and offer a call to action for anyone considering seeking advice.   Check out Aimee on the Engine Room Podcast with Andrew Rocks:   https://open.spotify.com/episode/1vu6qemVqL4pleBW25h4qP?si=35780e83c5444733   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

We asked Instagram what topics you most wanted to hear us discuss in a rapid fire “Fine Answers and Question” episode. Here’s what you told us:   1.     Investing in shares and the share market 2.     Insurances I should have in place 3.     Contributing to super 4.     Centrelink payments   Jay and Delta riff on why these areas of advice remain topical whilst some we anticipated didn’t make the list.   If you have a topic you want us to discuss in future episodes, DM us on Twitter, Instagram & Facebook @BurkeBrittonFP or drop us a line at [email protected].   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Australians with an active relationship with a financial planner are not only financially better off than unadvised Australians – they also have a better quality of life, according to new research from the Financial Planning Association of Australia (October 4, 2022).   Jay and Delta discuss the unintended consequences of Royal Commission into Misconduct in the Banking, Superannuation and Financial Services industry which has left approx. 100,000 financial advice clients without advice or orphaned by their adviser, according to analysis released by Adviser Ratings (April 26, 2022).   In the last 2 years the big four banks NAB, ANZ, CBA and Westpac have shut down their financial planning arms and orphaned many clients with MLC Master Key/Wrap, OnePath, Colonial First State and BT platforms thus leaving individuals to seek out new advice or be acquired by a new adviser.   Making the decision to seek or reengage advice can be daunting.   Delta and Jay outline the steps; from sourcing a trusted adviser, explaining what to expect from your initial call, demystifying your first meeting and financial health check, to receiving formal advice and ongoing service.   Articles Discussed:   https://faaa.au/news/australians-who-engage-a-financial-planner-have-a-better-quality-of-life-fpa-launches-inaugural-value-of-advice-index/   https://financialnewswire.com.au/financial-planning/advice-orphan-clients-sad-indictment/   https://financialnewswire.com.au/financial-planning/10000-advice-clients-orphaned-limbo/     If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Teresa Frangos is one of Burke Britton’s longest serving team members having recently celebrated 10 years. Loved and admired by the team and clients alike, Teresa has delivered an unrivalled level and care and hospitality to everyone she meets and greets as the face and voice of Burke Britton.   In this intimate and emotional chat with Director Jay Burke, Teresa shares her humble Catholic Italian upbringing and the strength and resilience of character she developed from her mother who suffered the loss of her first husband in a mine collapse in Tasmania.   Teresa’s shares the highs and lows of being an intimate part of clients lives from births, holidays, retirement, and deaths but above all her gratitude for being part of the Burke Britton family.   It was an honour to speak with Teresa and to share our love and gratitude for her as she plans the next phase of her life and a transition into retirement.   Thank you for 10 amazing years Teresa! From the Team and Clients at BBFP xxoo     If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

“Not all storms come to disrupt. Some come to clear our path” – Sachin Tendulkar   Jay is joined today by Jason Nelson, a client, friend, and inspiration to anyone that has had the pleasure of his friendship and his enthusiasm for life.   Jay and Jason reminisce on family, friends and business connections over the last 20 years and discuss Jason’s 2022 diagnosis and ongoing battle with Acute Myeloid Leukemia.   Jason shares his love and passion for his family and friends, the value of financial advice and personal insurance, the lifesaving services of Red Cross Life Blood, Peter Mac Cancer Centre & The Leukemia Foundation along with his new found passion for public speaking and inspiring others.   It was an honour to spend this time with Jason and we would urge everyone to get involved in supporting those organisations that have supported Jason and his family:   ·       Book a blood donation at www.lifeblood.com.au, call 13 14 95 or on the DonateBlood app. ·       Donate to the Peter MacCallum Cancer Foundation at https://foundation.petermac.org/ways-to-donate ·       Support the leukemia foundation at https://www.leukaemia.org.au/make-a-donation/donate/     If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

In this episode Jay is joined by Selena Parfett and Will McKenzie from Achieve Home Loans, to explore the vital topic of pre-approvals in the context of property purchases. The episode emphasizes why obtaining a pre-approval is a crucial step in the home buying process.   A pre-approval, as explained, is a conditional approval from a lender that outlines the amount you can borrow to purchase a property. While it's not a guarantee of securing a loan, it provides a critical indicator of your potential borrowing capacity, subject to specific conditions.   The episode underscores the importance of pre-approvals by illustrating potential pitfalls without one. Imagine finding your dream home, bidding at an auction without a pre-approval, and then facing difficulties securing finance. This scenario can lead to losing your deposit and potential legal action from the seller.   The advantages of having a pre-approval are also highlighted. It signals to sellers and real estate agents that you are a serious buyer with the financial means to complete the purchase, giving you a competitive edge in a crowded market. Moreover, some lenders lock in your borrowing capacity for a specified time frame, regardless of interest rate fluctuations, offering financial security.   The episode provides advice on what to do if you've already purchased a property without a pre-approval and struggle to secure financing, emphasizing the importance of seeking professional guidance and exploring alternative financing options.   Ultimately, the episode stresses that property is a significant financial commitment, and obtaining a pre-approval is essential. It encourages prospective buyers to consult with finance specialists before embarking on their property search, ensuring a smoother and less stressful home buying experience.Top of Form Bottom of Form   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

In today’s episode Jay and Ben introduce our listeners to Simone Shannon & Andrew Clyne: Founders and Directors of Ascend Accounting & Advisory.   With 35 years combined experience in various industries, including retail, trade, manufacturing, property development, medical, industry and public practice. Simone and Andrew share their unique and contemporary perspective on providing accounting and advisory services.   Alongside their love for business, we explore Andrew’s love of live music from the 90’s and Simone’s early foray into dance with a scholarship to Sweden.   Together they discuss the evolution of Ascend, the impact of technology and fixed fees on advice, the overlap between accounting and financial planning, and the benefits of collaboration in achieving best outcomes for clients.   It’s clear Ascend are not ‘just another accountancy firm’ – They are real people, with families, businesses, musical talents, and dreams, who are driven to help clients support and achieve theirs!   https://www.ascendaa.com.au/   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Today Jay and Ben are diving into the world of personal insurance. They will be discussing everything from the basics to the complexities, loadings, exclusions, and the critical importance of full disclosure.   Many people have heard about insurance loadings but may not fully understand what they entail. We'll unravel the mystery behind loadings – those extra costs that can be added to your premiums due to various risk factors. They explore common scenarios where loadings apply and how they impact your insurance costs.   Exclusions in insurance policies can be a major source of confusion. They break down what exclusions are, why they exist, and how they affect your coverage. Understanding exclusions is essential to ensuring you have the right protection when you need it most.   Full disclosure is a non-negotiable aspect of the insurance process. Ben and Jay highlight the importance of honesty and transparency when applying for insurance. They share real-life stories that illustrate the consequences of withholding information and provide tips on how to navigate the disclosure process effectively.   They also discuss some of the common pitfalls people encounter, such as underinsuring or overinsuring, and provide guidance on finding the right balance in your coverage.   Thank you for joining us today for this deep dive into personal insurance. We hope this episode has provided you with valuable insights and actionable advice. Remember, when it comes to insurance, knowledge is power.   If you enjoyed today's episode, don't forget to subscribe, rate, and leave a review. Stay tuned for more episodes of Fine Answers where we continue to demystify the world of personal finance and insurance. Until next time, take care and stay financially secure!   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Cain Brunton is Australian, State and Caged Muay Thai Champion and Founder of MMPowerment, a Youth Organization based in the Geelong Community, that encourages young people to build confidence and strength through Boxing, whilst providing clinical core values in Acceptance Commitment Therapy (ACT).    After starting his career as a Muay Thai specialist at the age of 15 Cain began competing professionally at 18.     Faced with multiple physical and emotional challenges growing up, Cain focused on Muay Thai and keeping fit, to prepare for life's challenges. Muay Thai provided a release of energy and increased feelings of self-worth, self-identity and self-esteem.     Following short careers in plumbing, truck driving and operating machines, Cain studied to become a Youth Worker. Whilst working in Residential Care, Cain qualified with a certificate IV in Youth Work, Cert IV in Child, Family and Youth Intervention, Diploma of Community Services and is trained in Acceptance Commitment Therapy.    Combining life experience, mentoring and Acceptance and Commitment Therapy, Cain has brought to life his dream of supporting young people who have unwanted thoughts and feelings by helping them better understand themselves to achieve healthier, more fulfilling lives.    As the Founder, Cain would like to welcome you to combine Mind and Muscle at MMPowerment!    https://mmpowerment.com.au/    https://www.instagram.com/mmpowerment/    https://www.facebook.com/mmpowerment/    If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676     You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP      PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.    Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.   

“Bell Park is in my blood. We’re three generations deep as Dragons. A great club to be part of.” - Neil Sandwith, Life Member   The Bell Park Football Club was formed in 1958 after the Bell Park Progress Association moved in 1957 that the developing area required sporting facilities for the growing population.   The Bell Park Sport & Recreation Club was an original member of the Geelong and District Football League.   In 1979, Bell Park was one of the ten clubs to break away from the District League following the formation of the Geelong Football League (GFL). The GFL is the premier country football competition in Australia.   In 2023 Bell Park Sport and Recreation Club has become an integral part of the Geelong community providing Football, Netball, Cricket and Social Support opportunities for nearly 1000 people all ages, and abilities.   https://www.bellparkdragons.com.au/   Joined by Club Legends Jeff Jarvis, Gary Plumridge and Peter Burke, Jay Burke explores the community and family roots of Bell Park, from inception to today’s ambitious Masterplan that will see Bell Park thrive into the next century.   They discuss the Bell Park Picket Fence Appeal raising funds to support the development and upgrade of facilities for football, cricket and netball for female and male participants. New facilities will provide club’s participants with modern benchmark facilities in order for them to reach their potential and maximise enjoyment.   Donation Options: $150 supporting gift - one named picket $1,500 premium gifts - one named panel $2,500 Emerald Gifts - one named panel in your choice of available location For information, please contact Tony Evans 0417 781 963 or Jeff Jarvis 0402 088 266   https://asf.org.au/projects/bell-park-sport-and-recreation-club   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

It might be a stretch to call them Sins, but this conversation with Ben and Jay explore the seven questions everyone should ask of their own estate plans.   Do you have a Will and Powers of Attorney? Do you know who your Executors and Powers of Attorney are? Do THEY know they are your Executor or Power of Attorney? Do you have an estate plan in place including a summary of your assets? Does your executor know what that plan is and who and how it may affect them? Does your executor and Power of Attorney know who your Solicitor, Accountant and Financial Adviser are? Has your executor met your professional advisers or at least have a direct line of communication to them?   Check out previous episodes on estate planning:   Episode 42 Aspire Lawyers - Sarah Edmonstone, Claudia Hazell & Jessica Davies   Episode 35 Tara Paatsch - Harwood Andrews Family Law   Episode 27 Daniela Pavlovic - Harwood Andrews Estate Planning   Episode 24 The $3.5 Triillon Great Australian Wealth Transfer - This Week in Fine Answers - Ben and Jay (06/03/23)   Episode 21 It’s not a problem, until it’s a problem. Then it catastrophic! – The Financial impact of death, disability & illness on families and businesses – Jay Burke & Ben Kemp   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

“Before my husband's death, I thought we had our affairs in order. Now I'm dealing with a nightmare of administration” – Muriel Porter, Jan 2024 - ABC News   A recent ABC News article had the phones ringing hot at Burke Britton head office with people concerned with their own estate plans, in particular beneficiary nominations on their super and super pensions.   https://www.abc.net.au/news/2023-01-24/perils-of-widowhood-inherit-superannuation-will-centrelink/101862326   Given Super makes up the lion’s share of pre and post retirees net worth with approx. $3.4Trillion dollars in super as at December 2022, according to Australian Prudential and Regulatory Authority (APRA), it’s a concern that is well founded.   Jay, Delta and Peter discuss the article at length and demystify some of the common and costly misconceptions around super, estate planning and beneficiary nominations.   https://www.apra.gov.au/news-and-publications/apra-releases-superannuation-statistics-for-december-2022#:~:text=Total%20superannuation%20assets&text=Superannuation%20assets%20totalled%20around%20%243.4,value%20over%20the%20past%20year.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Kids+ will this year celebrate its 20th year providing allied health services for babies, children, and young people living with disability.   CEO Shaun Cannon joins Peter and Jay for the second time on the Fine Answers podcast to provide an update on a number of major events and programs including the Kids+ Kite Festival, Surf Coast Trek, Changemakers Conference, Sports Exchange Pilot and Kids+ Scholarship Program.   To hear more about Kids Plus and Shaun’s background check out our first conversation on Episode #9 – No Barriers to Particpation  - Shaun Cannon, CEO of Kids+     https://kidsplus.org.au/kite-festival https://kidsplus.org.au/changemakers https://kidsplus.org.au/surf-coast-trek https://kidsplus.org.au/scholarship https://geelongindy.com.au/news/12-11-2022/scholarship-supports-young-people-achieve-their-goals/   We would like to acknowledge the continued support of Kids+ by Burke Britton clients via Future Generation Program having donated a total of $277,000 since 2018. To learn more about Future Generation visit https://futuregeninvest.com.au/ and watch https://youtu.be/VvsjNhkOAqk.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

"I'm not evading tax in any way shape or form. Of course I'm minimising my tax. If anybody in this country doesn't minimise their tax they want their head read. As a government I can tell you you're not spending it that well that we should be paying extra." – Kerry Packer 1991   With 11 Days before the end of the year most people without a plan are either oblivious, or resigned to the fact that they will be giving the tax man more than he deserves this financial year.   As advisers one of our key roles is to help people make the most cost and tax effective use of the available income and the assets they have.   The unfortunate reality is that MOST people DON’T!   In today’s episode Jay and Ben outline the key areas every Australian should consider when thinking strategically about managing their tax position:   ·       Making sure your Accountant and Financial Adviser have a good relationship, communicate and are on same page with goals, strategies. ·     Taking responsibility for ensure your accountant is claiming all your travel, home office, work related expenses. ·       Reviewing available super contributions including salary sacrifice and catch-up contributions. ·       The benefits of tax-free Super pensions and transition to retirement. ·       Gearing and interest on investment borrowings including the structure of your debt. ·       The type of Investments you own. Who owns it? Is it producing income versus capital growth? ·       Managing sale of assets for capital gains purposes. ·       Salary Packaging benefits. ·       Insurances that can be claimed as a tax deduction and where to hold them. ·       What type of financial advice is potential tax deductible? ·       Small business tax structures.   If you are chasing your tail to get your tax position sorted in the next 11 days it suggests you need to be more organised with a detailed plan and support, well in advance of the end of financial year.   https://www.youtube.com/watch?v=e97kq2XflKE   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Being a lawyer is hard – “We need to teach ourselves that we can do hard things” - (Glennon Doyle)   The legal profession isn't exactly renowned for being transparent, down-to-earth, or compassionate. Sarah, Claudia and Jessica from Aspire Lawyers buck the trend by being unapologetically people focused.   Aspire Lawyers have been around over 100 years in various forms, but it is the contemporary vision and passion for mentoring young lawyers to produce confident and competent professionals, that is setting it apart from others today.   Jay and Ben sit down with the Aspire team to discuss their focus on education, accountability, and leadership in producing better humans and better outcomes for their clients, as well as their fixed pricing – which you agree to upfront.   No more nasty surprises, just good value, choice and transparency.   https://aspirelawyers.com.au/   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Whilst it’s possibly the most asked question in real estate, it’s also the question requiring the most insight, vision and care to answer honestly. How much is my house worth?   Ricky Forte is Director/Founder and Agent with Geelong Real Estate Co joins Ben and Jay on the Fine Answers Podcast to answer this question and many more.   With a track record of success in the industry, having helped hundreds of clients buy and sell properties across the Geelong region, Ricky discusses the property market in Geelong, focusing on the opportunities in a potentially over correcting market, whilst encouraging people to be open and informed in uncertain times.    In addition to his work in real estate, Ricky is an active member of the Geelong community. He is a regular volunteer at local charity events and supports several local sports teams. His passion for helping others extends to his work as a real estate agent, where he strives to make the buying and selling process as smooth and stress-free as possible for his clients. This episode was recorded on 15th March 2023, therefore content cannot be considered current as at its release date of 19th June 2023. None of this content should be considered advice or acted upon without first seeking advice from a registered realestate agent or financial adviser who first considers your personal needs, objectives and specific financial circumstances.  https://www.geelongrealestate.co/ [email protected] If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via  https://app.acuityscheduling.com/schedule.php?owner=18922676 You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP   PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.  Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Tony Slack launched Geelong Real Estate Advocates in 2011 after a successful career spanning 23 years covering every aspect of residential real estate in Geelong.   As a well-known and respected figure in the local property industry, Tony puts that expertise to work in searching, evaluating, and negotiating the successful purchase of residential property for homeowners and investors in and around Geelong.   Tony discusses the benefits of using a property advocate and the value it can add in time, money and peace of mind when purchasing a property, be that your first home or adding to your property portfolio.   Jay and Ben explore Tonys view on interest rates and the direction of the Geelong property market, in what has become a challenging time for some but an opportunity for others that receive the right advice and support.   Web: https://geelongrealestateadvocates.com.au/ Contact: [email protected] Mobile: 0418 524 116 Address: 259 Latrobe Terrace Geelong 3220, P.O Box 2059, Geelong VIC 3220 Instagram: https://www.instagram.com/geelongrealestateadvocates/   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

In March 2017, Penny & Clint Stanleys beautiful daughter Zoe was diagnosed with a rare and incurable form of Brain Cancer called giant cell glioblastoma multiforme (GBM). Zoe was an incredible and happy little girl – artistic, brave and obsessed with everything unicorns, butterflies and rainbows. Despite fighting courageously for 9 months, Zoe lost her battle just before Christmas in 2017. Zoe's Fight exists to continue the legacy of Zoe, honouring the promise made to continue to fight in her memory, to help others facing the same fight she so bravely fought for 9 months. https://www.zoesfight.com.au/   Peter and Jay discuss with Penny the ongoing challenges in raising awareness and funding for Paediatric Brain cancer and the generosity of the Geelong community and Future Generation Fund.   Zoe’s Gala Ball is the biggest annual fundraiser for Zoe’s Fight in 2023. Held at GMHBA Stadium and hosted by Renee Enright and Jason Nelson. Gather your friends and family, get your frocks ready and party for a purpose at Zoe’s fight foundations biggest annual fundraiser.    Ticket price: $175 per person  Date: Saturday 14th October,2023 Time:7pm~11:30pm Venue:  GMHBA stadium, Moorabool Street, Geelong  Dress: Cocktail/formal  https://events.humanitix.com/zoe-s-fight-gala-ball23       ​ Zoe's Fight Foundation is a registered charity in Australia, with all funds raised being donated to help find a cure for kid’s brain cancer. https://www.zoesfight.com.au/donate   https://www.instagram.com/zoesfight/     If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Geelong Youth Engagement (GYE) is group of local business, government organisations, and community focused groups that have formed to support youth from Geelong, Bellarine and Surf Coast communities through multiple youth focused programs. Focusing on “At Risk” Youth, GYE Encourages engagement with education, employment and family and provides programs such as Strive, Spring Back Geelong & Geelong Kokoda Youth Program to Increase youth confidence, Build Resilience, Create Engagement & Increase Self-Belief. CEO Andy Brittain and Program Coordinator Kelly Taylor join Jay Burke on Fine Answers to discuss the evolution of GYE and the need for community and corporate partnership to provide sustainability and long term support for Geelong’s youth. https://geelongyouthengagement.org.au/ If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Tom Limb is Managing Director of CPG Sports Management offering individualised management services for AFL and AFLW players.    A local football legend and life member of the Queenscliff Football Netball Club, Tom has played 200 Games for the Coutas including 3 premierships and 2 Best and Fairest.   With extensive knowledge of AFL and the football industry together with a corporate background specialising in strategic leadership, Tom and his wife Bianca created Connect Perform Grow Sports Management in 2022.   Jay and Che explore Toms passion for supporting others in their growth, and in setting and achieving goals, whilst ensuring player wellbeing is central to every aspect of player management be that mental, physical or financial.   https://timesnewsgroup.com.au/surfcoasttimes/news/lifeline-out-of-the-shadows-walk-to-support-to-support-suicide-prevention/ https://cpgsports.com.au https://cpgsports.com.au/tom-limb https://www.instagram.com/cpgsports https://www.facebook.com/CPGsports    If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Richard James Embelton (Rick), is a Life Member of the Returned & Services League of Australia Victorian Branch, The Medal of the Order of Australia (OAM) recipient and a much loved client and friend of Burke Britton Financial Partners.   Joined by Peter Burke, Jay Burke and Delta Smith, Rick discusses his own physical and mental challenges as a veteran together with the challenges facing veterans today from both previous and current conflicts.   Richard has served 50 years in advocacy, helping his fellow veterans to access their financial entitlements and mental and physical health services and benefits. He puts in an extraordinary number of hours each week, dedicated to ensuring that servicemen and women be assisted to obtain their entitlements.   Richard was called up for National Service in January 1971 and served in the 11 Movement Control Group of the Royal Australian Engineers in Vietnam. He completed his tour in September the same year with the rank of Corporal.   He signed up at the RSL Wellington (NSW) Sub-branch in October 1972 where he served as a Volunteer Advocate for five years to 1977. Later in 1977 he ventured north, transferring to the Moree (NSW) Sub-branch and serving as a Volunteer Advocate for a further five years until 1982.   In 1982 he moved south, where he transferred to the Queanbeyan (NSW) RSL Sub-branch and again volunteered as a Volunteer Advocate. During his time there he qualified for a TPI pension.   Moving to Geelong in 1983, he joined the Geelong and District Sub-branch of the Vietnam Veterans Association, serving as a volunteer for 31 years to 2014, then transferring to the RSL Geelong Sub-branch where he serves as a Volunteer Advocate and Mentor to the present day, assisting ex-service personnel to lodge claims and appeals to review boards and tribunals including retrospective claims to ComSuper. He also trains and mentors Level 2 Compensation Advocates at the Geelong Veteran Family Wellbeing Centre.   Richard has undertaken many training courses to maintain and improve his knowledge and skills, including Training Information Program (TIP) to Level 4, Advocacy Training Development Program (ATDP) to Level 3 and Wellbeing Compensation to Level 2.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Relationship breakdown can be chaotic and full of conflict and complexity.    The financial and legal unknowns combined with the emotional and sometimes physical toll can be overwhelming.   Finding clarity through this chaos, conflict and complexity can be challenging, but that support network does exist.   Today Jay and Ben talk with Tara Paatsch, Special Counsel in the Harwood Andrews family law practice area.   Tara joined Harwood Andrews in early 2020 after practicing for several years in Geelong and exclusively in the family law jurisdiction since 2014.   Tara has significant experience across the full range of family law issues. She regularly appears in the Magistrates’ Court of Victoria, the Federal Circuit Court of Australia and the Family Court of Australia.   She prides herself on her clear and regular communication with her clients. Tara seeks to achieve a fair and cost-effective outcome for her clients during an often difficult time.             https://harwoodandrews.com.au/tara-paatsch   https://harwoodandrews.com.au/news-ha/2023/4/5/family-law-practical-tips   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

The Trifecta in life is an abundance of Time, Money and Health.   For most of us the opportunity to have all three, in abundance at the same time, sits in a narrow window at retirement where hopefully Time, Money and Health converge.    Even then, this requires good management around the things we can control and a dose of luck around the things we can’t.   Delta and Jay discuss what can expand this window to give us more time in the sweet spot of life. From early education, financial literacy and first jobs through to Investing, lifestyle villages and aged care.   Financial Planning is less about finances and more about living the life you want to live for as long as you can, whilst in good health without having top worry about money.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Today’s episode discusses the value of being informed, educated, disciplined, and interested in your finances. Knowing what you can manage yourself and knowing when you need to seek advice and support.   Jay and Ben discuss the intersection between systemising cash flow, the dangers of Property FOMO and the value of Debt Recycling as a strategy to growth wealth reduce debt and pay less tax.   If you are thinking about seeking advice, remember this:   The person that comes prepared, has done some homework, taken personal responsibility and ownership of their finances is going to get the most value out of advice.    Our aim with this podcast is to help prepare people and get them ready to make informed financial decisions. If we do that, then this podcast has served its purpose and has been a success.   Articles Discussed: https://www.moneymag.com.au/avoid-property-fomo https://empowerwealth.com.au/blog/whats-fomo-and-why-should-you-avoid-it/ https://www.amp.com.au/home-loans/managing-home-loan/debt-recycling     If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Many Small Business owners or Farmers forgoe superannuation to invest time, energy and money into their business to fund their future retirement.   What’s not well understood, commonly overlooked and poorly planned for, is that a number of tax and superannuation concessions exists for these individuals to reduce the amount of tax they may pay as they exit their business, sell their farm or change ownership in conjunction with retirement.   The small business retirement exemption (or Small Business CGT Relief) is a concession that can exempt capital gains on your company’s business assets. It’s one of four specific capital gains tax (CGT) small business concessions that govern the sale of assets; these exemptions recognise the fact that many small business owners use their company’s assets to fund their retirement nest eggs.   Today Jay and Ben discuss the four concessions, their interaction with each other and the importance of planning ahead to take advantage of them and ensuring that your professional adviser work together to get the best outcome.   This is a complex area of advice and more than ever we would encourage small business owners and farmers to seek support around your own specific circumstances as rules and legislation change regularly. https://www.ato.gov.au/business/small-business-entity-concessions/concessions/cgt-concessions   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

The last few years has seen an explosion of investment vehicles, choices, and options for the first time (and long-time) investor.   From Micro Investment apps, Exchanged Traded Funds (ETF’s), Listed Investment Companies (LIC’s) to more traditional Managed Funds, Shares and Property; there is an asset class and an investment platform for everyone.   The challenge is working out what’s suitable for each individual, as we all have different risk tolerances and goals.   Today’s episode focuses on explaining the differences between investment classes and platforms, the natural progression from one to another over time and avoiding emotional investing in favour of goals based investing.   In this episode recorded on 5th November 2021 Jay and Ben discuss below article from the Sydney Morning Herald “Young People Becoming More Motivated to Invest”.   Jay and Ben discuss their first ever investments and the importance of building a base of education and understanding as you build your portfolio of investments and seek advice.   https://www.smh.com.au/money/investing/young-people-becoming-more-motivated-to-invest-20210524-p57upd.html   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

The $1Trillion dollar question!   Making up nearly a third of the $3.3 Trillion in superannuation in Australia and representing the fastest growing sector, Self-Managed Super Funds now enter most conversations around retirement.   The questions we get asked most are:   ·       Does it give me more control? ·       Is it suitable for me? ·       Does it provide me better returns? ·       Can I buy a property with an SMSF? ·       What are the risks? ·       What are the benefits? ·       How do I set one up?   In today’s episode with SMSF specialist Advisers Peter Burke, Jay Burke and Delta Smith we explore these questions and many more related to whether a Self-Managed Super Fund is right for you.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Managing Director of Achieve Home Loans, Will McKenzie boasts more than four decades of experience in the finance sector and knows the ins and outs of the home loan market. Will has been a trusted partner of Burke Britton for more than a decade supporting, counselling and bringing to life the debt and finance element of our clients financial plans. Today Jay, Ben and Will discuss the challenges and opportunities of rising interest rates, tips and traps for financing or refinancing your properties, together with state of the Geelong property market.   Will maintains the key fundamentals of always putting the client’s needs first. “I remember my early working days as a bank junior. The bank Manager was looked upon as a respected friend and financial confidant of his clients.  He knew each one on a first name basis and was intimately acquainted with their financial affairs and position”. “Over time, we have seen this bank culture erode to the point where today, most bank clients are simply just another number”. If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Gartland Property’s, Will Ainsworth is one of Geelong and Australia’s most successful real estate agents.    With a long history of property success, Will has sold over 1000 properties and is in the top 1% of agents in Australia for properties sold annually.   Jay and Will’s relationship has spanned a quarter of a century with their paths crossing in multiple arenas, sporting, personal and professional.   Today they discuss their professional journeys, personal development, friendship, rivalries, loss, family, the Geelong property market, and the art of auctioneering.   Will is a property professional juggernaut who excels at every aspect of the sales process from marketing, negotiation, client communication and delivering results for his vendors.   If you are selling a property in Geelong, Will comes highly recommended!!   https://www.gartland.com.au/team/will-ainsworth/ [email protected] 0438 299 001 03 5224 2204   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

50% of adult Australians do not have a valid will in place. This means that approximately half of Australians die intestate or without a valid will!!   Today’s guest is Daniela Pavlovic, Principal in Harwood Andrews' wills and estates law practice.    Daniela and her team have worked closely with Burke Britton over more than a decade developing estate plans that complement our clients financial plans.   Daniela, Jay and Ben discuss the importance of proper succession planning, common misconceptions around what forms your estate, powers of attorney, the complexity of blended families and the benefits of testamentary trusts.   Through her personal experience of dealing with the loss of a close family member, Daniela understands the difficulties families face during this time and approaches each client with sensitivity and careful guidance.   With extensive knowledge and great passion for her clients and profession this was a fantastic conversation and a must listen for anyone without an estate plan or one that needs to be revisted.     If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.   Australian Securities and Investments Commission (ASIC). (2019, June 5). Media release: Half of Australian adults don't have a will. https://asic.gov.au/about-asic/news-centre/find-a-media-release/2019-releases/19-151mr-half-of-australian-adults-don-t-have-a-will/  

Glenn Peric is the CEO OF Shepparton Foodshare, a not for profit community initiative that has been rescuing and receiving donations of fresh and nutritious food and redistributing it to those in need in the Goulburn Valley since 2012.   Glenn shares his own journey to CEO, the recent challenges of COVID and Shepparton floods and the development of a new purpose built facility to secure Shepparton Foodshare’s future in the Goulburn Valley.   Burke Britton is proud to have donated more than $60,000 over the last four years via the Future Generation Investment Program and look forward to continuing to support Shepparton Foodshare via client and community initiatives into the future.   Special mention to Ron and Pat Nichols who connected us with Shepparton Foodshare and to all of the volunteers, employees, individuals and business continue to donate time and produce.   To donate follow link at https://www.sheppartonfoodshare.org.au/   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

SCREW THE BANK……Its time to hit up them up ask them what they can do for YOU!!!   A Tik Tok Mortgage Sharman prompted this discussion with Jay and Ben around what you CAN and SHOULD be doing to improve your rate and get a better deal with the bank. https://vt.tiktok.com/ZS8QBTYYu/   Mortgage Prison is real but that doesn’t mean you don’t have options if you are willing to be prepared, informed and confident of your options and your ability to negotiate.   Banks are largely in retention mode and willing to bend on rates and provide cash back offers.   With rates rising the potential reward for a small amount of effort is outstanding.   Understanding the steps to take and who to engage has never been more important to ensure you cash in on the banks NOW or are able to negotiate a better deal in the future.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

The $3.5 Trillion Great Australian Wealth Transfer has started!   The aging of Australia is only getting started with our 85+ cohort doubling by 2035.   Baby boomers make up 25% of the population, but own more than half of Australia's national wealth (53%).   Over the next two decades, baby boomers are set to bequeath around $3.5 trillion in assets.   This is the most significant intergenerational wealth transfer in Australian history.   Have you thought about your part in this?   In today’s episode Jay and Ben share their thoughts from the week including proposed super tax changes, stats from Demographer Simon Kuestenmacher on the Great Australian Wealth transfer and how to plan for the Great Australian Road Trip!   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Tik Tok “Finfluencers” and Instagram "Financial Guru’s" have captured a growing number of Australians that have been priced out of financial advice due to the costly and complicated nature of the current financial advice regime putting them at significant risk of unregulated and irresponsible advice.   Financial Advice has NEVER been a “One Size Fits All” approach. It requires the development of understanding, relationships, and trust to ascertain whether advice is required in the first place and what type of advice will add value.   Having just returned from last week Self-Managed Super Fund Association (SMSFA) National Conference where the governments Quality of Advice review was discussed and debated at length, this conversation between Jay and Ben (recorded in August 2021) is more relevant than ever before!     In this discussion Jay and Ben discuss those individuals where advice may not be suitable, the type of preparation you can do to get the most value when seeking advice, to those requiring complex advice around Self Managed Super Funds.   They discuss the spectrum of advice, the value of advice and the importance of personal reasonability, education, and client involvement in the entire process.   Articles Discussed:   https://www.moneymanagement.com.au/news/financial-planning/wealth-coaches-and-finfluencers-next-bubble-burst   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

Should Australians be able to dip into their super to buy a house? This Week in Fine Answers Ben and Jay discuss that question.   With cost of living and inflation pressures coming thick and fast, media and government murmurs of proposed changes to super this week included allowing early access for home buyers, extending hardship criteria, and potentially increasing tax on super accounts to fund government spending.   Is increased access to super a good idea under current cost of living conditions or do changes to erode confidence in using super to invest for retirement?   What do you think? Let us know in the comments below.   Link to Q&A Clip from discussion: https://twitter.com/qanda/status/1627622160385843200?s=42&t=yeAuXAPy7ZHeSuj4WeRH9g   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.  

When life’s good, we are healthy and income is plentiful we struggle to imagine it being any other way.    The reality is that life is fleeting, health is temporary and our ability to earn an income is dependant on us being healthy and alive!   Most people are terrible at assessing future risk and tend towards applying todays reality to future problems, severely underestimating the financial and lifestyle impact of illness, disability or death on a family or business.   Being under or uninsured is not a problem, until it is, then its catastrophic!   In todays episode of Talking Fine Answers Ben and Jay discuss the confronting and harsh financial reality of death, disability & Illness.   Importantly they discuss how to put a layer of protection around your finances, lifestyle, dependants and your business, ensuring that even in the event of catastrophic life event you can secure you families or businesses future.   If you haven't considered what life would look like financially for your family of your business if you died, we’re disabled or couldn’t to work due to illness or injury, this episode is for you.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Michelle Gerdtz is General Manager of “Read the Play” a Geelong based charitable organisation providing mental health literacy programs for junior members of sporting clubs.   The program is designed to break down the stigma around mental illness. Read the Play aims to increase knowledge and awareness about mental health problems, increase knowledge about local support services & increase confidence and skills in guiding our youth to relevant support services.    Michelle is a widely experienced and highly capable community leader and over her stellar 20+ year career has worked for the Australian Masters Games, Netball Victoria, Jump Media and the Department of Justice and Community Safety.   Michelle has also held many voluntary roles and is currently the deputy Chair AFL Barwon and was previously the President of Bell Park Football & Netball Club.   Having grown up in and around local Geelong sporting community, Michelle is well placed to discuss the challenges and opportunities of mental health early intervention delivered via the local sporting community.   Read the Play has partnered with Dr Michael Carr-Gregg to present his trademark talks on how to build Happy and Resilient Children which will take place on the 9th of March (Starting Secondary School) and 16th of March (Surviving Year 12). Tickets are available at  https://readtheplay.org.au/events/   For more information on Read the Play such as how to volunteer, donate or become a corporate partner go to  https://readtheplay.org.au/   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Having normally reserved their place as some of the most boring topics in finance; when budgeting, cash-flow, interest rates and inflation are trending topics in everyone’s daily conversations, you know something BIG is brewing! Like nutrition and health, we can fall into bad habits with our finances of mindlessly consuming, blissfully unaware of the consequences of our actions whilst times are good, only to be confronted with the reality of our health when presented with an unexpected crisis. For many that crisis is here today in the form of rising cost of living and a rapid increase in interest rates, forcing many to question their financial health and make difficult and painful decisions to not only get back in shape but to survive. This Week in Fine Answer, Jay and Ben discuss the path to not only regain your financial health but position you to take advantage of future opportunities against a backdrop of uncertainty. In today’s episode we discuss budgeting and cash flow management. If you would like a copy of our budget calculator, email us at [email protected]  If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Ben and Jay are joined by Senior Investment Advisors Adam Dawes and Sam Crompton from Shaw and Partners for this short and sharp market update. After a positive start to the year, markets are anxious to see the result of interest rate rises and the real impact on inflation and consumer spending.  A pivot to resources, caution on overweight banking, a wait and see on tech, opportunity in energy and an uncertain property market remain the key market themes. If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676 You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP   PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.    

Delta, Jay, Peter, and Ben discuss the certainty of greater uncertainty in markets after a year of volatility in 2022, and how with the right planning and focus this can be turned into opportunity in 2023.   They share their thoughts on everything from the Russia Ukraine war, property and share market, interest rates, fuel prices, federal election, inflation, cryptocurrency and somehow find their way to Emu and Ostrich farming!   The common thread of this discussion is the importance of focusing on what is in your control financially, to position yourself to create opportunity in times of crisis.   Objective rather than emotional financial decision making should always be the goal and to do that sometimes you need some support.   If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, [email protected], visit our website at www.bbfp.com.au or book a 15min call to see how we can help you via https://app.acuityscheduling.com/schedule.php?owner=18922676   You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP     PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706.   Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.