In today’s episode, Rob is joined by business partner Ashley, an expert in aged care and retirement planning. Together, they break down the major changes to aged care and home care packages in Australia, including the shift to the new Supported Home model starting November 1. If you or your loved ones are approaching retirement age, navigating aged care, or planning your long-term financial strategy, this episode is packed with essential insights.   Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401

Thinking about selling your business or farm? Before you make the leap, make sure you’re not walking away from opportunities or walking into avoidable mistakes.Rob and Amy break down what you need to know before selling a business, farm, or any major asset. They dive into why tax planning should start up to two years out, how family trusts can help manage income distribution, and the importance of structuring assets to support long-term retirement strategies.Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Aged care is about to become far more expensive, and most families have no idea what’s coming. In this episode of the Investor Motivation Podcast, Rob and Ash unpack the major aged-care rule changes starting 1 November 2025. They explain what’s changing in home care and residential aged care, why costs are rising, what the new refundable accommodation deposit rules look like, and how the return of retention fees will affect families. The conversation also covers the new means-tested charges, how pensions and cashflow planning fit into aged-care affordability, the increasing importance of the family home, and why people with $200k–$500k in assets may feel the squeeze the most. They discuss how families can work together, avoid misunderstandings and prepare financially for one of life’s most stressful transitions.Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401

In this episode, Amy and Rob break down the newly updated superannuation tax changes and what they mean for investors. They discuss the revised $3 million and $10 million thresholds, the removal of the unrealised capital gains tax proposal, and the introduction of indexation moving forward.They explore alternative structures such as individual ownership, family trusts, companies, and investment bonds—along with the considerations that come with each option. Whether you’re directly affected by the new thresholds or simply want to stay informed about Australia’s superannuation landscape, this episode will help you understand the changes and the strategic thinking behind them.Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Ever wondered why no matter how much you earn, money still feels stressful sometimes? It’s not just numbers, it’s emotions, habits, and mindset at play. In this episode, we dive deep into the emotional side of money, how your mindset, habits, and emotional triggers directly influence your financial well-being. 💭💰 We talk about why financial stress isn’t always about how much you earn, practical ways to take control of your money, and how comparison and social media can impact your financial decisions. Rob and Rach also share what true financial well-being and contentment really mean, plus how small, consistent habits can build long-term wealth. Whether you’re earning $50K or $500K, your relationship with money can make or break your financial peace of mind.Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

In this episode, Robert Goudie and Amy Lehmann breaks down everything you need to know about mortgages, from why managing your loan with care is crucial, to real cash flow tips that can help you pay off your home faster. We discuss how high mortgage repayments impact Australian households, refinancing strategies to save money, and the importance of income protection and emergency funds. Amy shares her personal experience buying an affordable home and managing debt wisely, while we also cover how offset accounts and redraw facilities work—and how superannuation can play a role for those nearing retirement.Whether you’re buying your first home or want to optimize your current mortgage, this episode offers practical advice to help you take control of your finances and your future. Got a topic you want covered? Let us know in the comments!Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Ever Googled questions like “Can investing make you rich?” or “Is investing better than saving?” You’re not alone! In this episode of the Investor Motivation Podcast, Amy Lehmann and Robert Goudie dive into the most commonly searched investment questions,including: ✔️ Can investing really make you rich?✔️ Can investing be a full-time job?✔️ Why is investing better than saving? This episode will help you cut through the noise, avoid speculation, and focus on building long-term wealth through smart investing. 🎧 Tune in, get your biggest investing questions answered, and start building a stronger financial future today.Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

In this episode, Robert Goudie and Amy Lehmann dive into the importance of patience in investing and explore what makes a great business a bad investment if bought at the wrong time. You’ll learn:✅ Why markets at all-time highs demand caution✅ How to approach investing during volatility✅ Buffett, Munger and Peter Lynch’s best investing lessons✅ The power of temperament over intelligence in building wealth Whether you’re a seasoned investor or just starting out, this conversation will help you understand how timing, discipline and mindset play a critical role in long-term success. 👉 Subscribe for more investing tips and strategiesRobert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

What does a comfortable retirement really look like in Australia? Robert Goudie and Rachael Todman break down the numbers using real-life retirement income benchmarks and financial modelling for singles and couples, both homeowners and renters. They explore the difference between comfortable and modest retirement income standards, and explain how factors like home ownership, rental costs, inheritance, superannuation, and the age pension affect how much you really need to save. They model a range of real-life scenarios, including: A single renter at 67 A single homeowner at 67 A couple planning for modest living at 67 A couple expecting a large inheritance A couple retiring early at 55 They also discuss how spending habits change over time, and why it’s important to enjoy your retirement early while you’re healthy enough to make memories.Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

🎙️ Podcast Summary: When Should You Set Up a Trust for Investing 🔑 Main Topic: When (and Why) to Set Up a Trust for Investing 🧠 Why Consider a Trust? Trusts are investment structures offering flexibility in income and capital gains distribution. Ideal for high-income earners (e.g., doctors, specialists, professionals) looking for tax planning and asset protection. 🏗️ What is a Trust? A legal structure with: An Appointor – key decision-maker. Trustees – control assets and distributions. Beneficiaries – receive income/capital. Types discussed: Family Discretionary Trusts – most flexible for distributing to family. Unit Trusts – better for business arrangements or shared investments. Testamentary Trusts – triggered by a will to manage inheritance with tax and protection benefits. 🔄 When Does a Trust Make Sense? High Free Cash Flow After maximizing superannuation contributions. Once debts (like home loans) are under control. Tax Efficiency Avoid personal high-income tax rates by distributing to lower-taxed beneficiaries or a “bucket company” (taxed at 25%). Estate & Inheritance Planning Assets can remain in trust, offering control and protection from creditors or relationship breakdowns. Investment Flexibility Trusts can invest in: shares, property, crypto, cash, etc.—unlike superannuation which has limitations. 📊 Hierarchy of Investment Planning Superannuation – max out concessional/non-concessional contributions (0% tax in pension phase). Debt Repayment – clear personal liabilities. Discretionary Trusts – for investment outside super, once super is full or not ideal due to access age. Bucket Company – helps when limited beneficiary options exist. ⚠️ Key Considerations & Risks Beneficiary Loan Accounts: Distributing income but not transferring funds creates a loan owed by the trust. These are accessible assets that can impact Centrelink eligibility or future benefits. Compliance Costs: Annual tax returns, financial statements – expect $2K–$5K per year in costs. Family Dynamics: Inheritance disputes or too many stakeholders can complicate trust management long-term. Impact on Government Benefits: Distributions can reduce eligibility for family tax benefits or pensions. 🧾 Testamentary Trusts: A Special Case Activated by a will. Provides asset protection from bankruptcy or litigation. Allows income to be taxed at adult rates even for minors. Optional—beneficiaries choose whether to set it up. ✅ Final Thoughts Trusts offer flexibility, tax minimization, and estate planning benefits—but with complexity and cost. Best suited for: High-income professionals Families with future inheritance goals Investors with significant free cash flow Always consult with an accountant or financial planner before setting one up. 📲 How to Get in Touch Website: Consorting Private Wealth

How much is enough to retire? It’s the question financial advisers Robert Goudie and Rachael Todman hear the most — but the real challenge isn’t just about the number. In this episode of Investor Motivation, they unpack the balancing act between securing your future and living fully today. From busting the myth of the “magic number” to exploring income needs, aged care, and emotional spending fears, they share real client stories and practical strategies to help you define what “enough” truly means — for your lifestyle, goals, and peace of mind. Whether you’re approaching retirement or just planning ahead, this episode will help you think beyond the numbers. Watch now and start planning for a retirement that feels both safe and fulfilling.   Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401.   

In this episode of Investment Motivation, Financial Advisers Rachael Todman and Robert Goudie share real client stories and how personalised financial advice has made a lasting difference. From uncertainty to relief, they explore the emotional and practical impact of putting the right strategies in place—and how it changed everything for their clients.     Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

With 30 June fast approaching, Rob Goudie and Rachael Todman run through a few key things to think about before the end of financial year. From topping up your super to reviewing your investments, this episode covers some of the simple strategies that could help you make the most of EOFY. They chat through what’s worth considering while there’s still time, and how a bit of planning now might save you money or put you in a better financial position going forward.   Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401.   

Just retired and wondering what comes next? In this episode of the Investment Motivation podcast, Rob Goudie and Rachael Todman walk through the key financial decisions that come with the early stages of retirement. They talk about how much you might be able to spend each year, how to draw down from your super and investments, and why it's important to keep a clear strategy even after you've left the workforce. You’ll also hear about common traps to avoid, how to balance enjoying your lifestyle with long-term planning, and how your approach to investing might shift in retirement. Whether you’ve recently retired or are getting close, this episode is packed with helpful insights to give you more clarity and confidence for the road ahead.     Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Markets rise and fall — but how should you respond? In this episode, Rob and Rachael explore the emotional side of investing and why staying invested often delivers the best results. From the GFC to recent volatility, they unpack key moments in market history, share data on long-term returns, and highlight why missing the best days can cost you. Plus, hear a memorable story of two investors during a downturn — and why discipline beats timing. 👉 Topics covered: - Long-term returns of Aussie and global shares - Why rebounds often follow big drops - The risks of market timing - How behaviour affects your returns - A roller coaster analogy that sticks   Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, Grad Dip FP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Markets go up—and they come down. In this video, we talk about what really matters during periods of volatility: your behaviour as an investor. We explain why reacting emotionally to short-term movements can hurt long-term outcomes, how the media can fuel unnecessary fear, and why staying focused on quality investments and your long-term goals is key. If you’re feeling uncertain or anxious about the headlines or your portfolio, this message is for you.   Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Ever told yourself you’ll start saving “next month” or that you’ll invest “when things settle down”? You’re not alone—financial procrastination is more common than you think. But delaying money decisions can seriously set you back, whether it’s putting off investing, ignoring debt, or avoiding retirement planning. In this episode, we break down why we procrastinate with money, the real cost of waiting too long, and, most importantly, how to snap out of it. We’ll share simple, actionable steps to get on top of your finances—without feeling overwhelmed. If you’ve ever hesitated to take control of your money, this is the wake-up call you need!   Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Ever wondered how Australia’s wealthiest individuals invest? In this episode, we break down the key strategies used by the richest Australians, from diversification and asset allocation to investing in high-growth sectors. Learn how they build and protect wealth—and how you can apply similar principles to your own portfolio. We also explore the importance of financial stability, risk management, and professional guidance in achieving long-term success. Tune in to discover how smart investing can help you grow your wealth like the pros!   Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Want to retire early? Smart investing is key. In this episode, we break down how to build a solid investment strategy to achieve financial freedom sooner. Learn about different asset classes, managing risk, and tracking your progress to stay on course. We cover:✅ The benefits of early retirement✅ Setting realistic financial goals✅ Understanding your risk tolerance✅ Building a diversified portfolio✅ Monitoring and adjusting your investments Don't leave your future to chance—tune in and start planning for early retirement today!   Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Retirement planning isn’t just about the final years before you stop working—it starts much earlier. The financial mistakes you make in your 20s, 30s, and 40s—like taking on too much debt, delaying investing, or ignoring the impact of inflation—can significantly affect your retirement security. In this episode, we explore the most common missteps at every stage of life and how they can derail your future.  Learn how to avoid these pitfalls, maximise savings, and build a secure retirement with simple, practical strategies. No matter your age, the right decisions today can set you up for financial freedom tomorrow.    Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401.