Retire Right
Retire Right is an Australian podcast that helps listeners plan for a secure and fulfilling retirement. Hosted by Glen James, the show covers topics like superannuation, investments, and lifestyle choices. It is part of the 'money money money' podcast network and aims to provide practical advice for those approaching or in retirement.
Episodes
442 Super contributions over $500k, selling the IP, the bucket strategy debate + more
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/Get our new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgEIn this Q&A, Glen and Martin discuss: 👉 concessional vs non concessional contribution limits explaine
441 Transition to retirement, death tax, recontribution strategy, sell house to travel + more
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/Get our new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgEIn this Q&A episode Glen James and Martin McGrath discuss:👉 do I need to disclose what I spend TTR mo
440 Centrelink Q&A: bereavement, gifting, super recontribution, carer payment + more
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/Buy Glen and Vince Scully's new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgEJustin Bott returns to the show for another Centrelink Q&A, and as a Communit
Age Pension increase + other changes you need to know with Justin Bott from Services Australia
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/Buy Glen and Vince Scully's new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgEJustin Bott from Services Australia joins Glen James to unpack the changes that t
439 Property Q&A: how CGT will work, investment property after age 50, best time to sell + more
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/ Buy Glen and Vince Scully's new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgE In today's episode Glen is joined by John Pidgeon, buyer's advocate, ho
438 Money in your 70s: optimising and protecting
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/ Buy Glen and Vince Scully's new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgERetirement planning doesn’t just happen once, it’s an ongoing process that chan
437 WWGD: 50, widowed & what to do with a large life insurance payout
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/ In this episode of 'What Would Glen Do', Glen chats with Louise, a 50 year old education assistant in Perth who needs help deciding what to do with the $1.4M sitting in her
436 Money in your 60s: the decision decade
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/ Retirement planning doesn’t just happen once, it’s an ongoing process that changes as you move through your 50s, 60s and 70s. In this episode, Glen James and Martin McGrath
435 Aged care planning: the $585k decision nobody was ready for (a real case study)
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/ In today's episode, Nathan Fradley from Fradley Advice presents a full aged care case study with a live visual walkthrough of the numbers that a real couple faced when one s
434 Money in your 50s: 6 things to do before retirement sneaks up on you
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/ Your 50s are the decade when retirement stops being abstract and starts being real. If you've been drifting, it's time to get serious! Glen James is joined by financial advi
433 Couples age gap & Age Pension, inheriting a home, the retirement sweet spot + more
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/ In today's episode Glen and financial adviser Nathan Fradley talk about:👉 Wendy's questions around an older spouse applying for the age pension:- how will Centrelink assess
432 Downsizer rules, super contributions, investing for teens & can AI do your retirement planning?
Retire Right is brought to you by Tallowwood Wealth Advice. Specialist retirement financial advisers. You can book a complimentary appointment wherever you are in Australia by visiting https://www.tallowwoodwealth.com.au/ In this episode Glen is joined by return guest Gemma Dale, Head of Investor Behaviour and SMSF at nabtrade and host of the Your Wealth podcast. They discuss your questions t
431 Retiring overseas, age gaps & super drawdown, returning to work after age 60 + more
In this Q&A Glen and Nathan Fradley discuss your questions around:👉 retiring overseas and how should Rob invest?👉🏼 seeing an adviser from your super fund👉🏽 age gaps and drawing down super balances in retirement👉🏾 TTR and accessing super from age 60👉🏿 is it possible to retire at 60 and then return to work?Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAusIf you’d like
430 Mortgage Q&A: getting a loan after age 50, refinancing, helping your kids buy + more
In this episode Genevieve Lyons and Joe Carroll from Sphere Home Loans join Glen to answer your questions about:👉 is it harder to refinance a smaller loan?👉🏼 how to help my daughter who is a single mum to buy a home👉🏽 banks won't lend to me because I'm retired👉🏾 getting loans after ago 50👉🏿 getting a loan for a downsizer instead of using bridging👉🏻 helping children in their 20s to buy their first
429 The non-financial side of retirement: identity, purpose & what the research actually says with Dr Joanne Earl
In this episode Glen and Vince Scully are joined by Dr Joanne Earl, organisational psychologist, retirement researcher of 20 years and as of recently, a retiree herself. She's now putting her own research into practice in real time. The episode touches on:👉 what the research actually says about a happy and successful retirement👉🏼 the three reasons people leave earlier than planned 👉🏽 Jo's retireme
428 Centrelink Q&A: Jobseeker, hobby farms, deeming rates & defined benefits with Justin Bott from Services Australia
Joining Glen for another Q&A is Justin Bott from Services Australia! In this episode they touch on: 👉 does Centrelink look back at your bank accounts and assets from the five years before you turn 67?👉🏼 what happens to your Jobseeker payment if you access super between age 60 and 67👉🏽 can older Australians who've never owned a home access the Help to Buy scheme?👉🏾 will my 25-acre hobby farm af
427 Defence force retirement planning: defined benefit schemes & the mistakes that cost thousands
In this episode Glen sits down with independent financial adviser, Andrew Saikal-Skea to answer your questions about money & retirement and the military. They talk about:👉🏻 the compulsory retirement age👉 defined benefit schemes & how they differ from super👉🏼 the MSBS (Military Superannuation and Benefits Scheme)👉🏽 the DFRDB (Defence Force Retirement and Death Benefits Scheme)👉🏾 ADF cover &
426 Centrelink myths, pension rules & home equity scheme with Justin Bott from Services Australia
Glen James is joined again by Justin Bott, Community Information Officer at Services Australia for a deep dive into:👉 5 common misunderstandings about Centrelink & the age pension👉🏼 the Home Equity Access Scheme (HEAS) and how it works👉🏽 is my pension affected if my adult kids still live at home and pay board or rent?👉🏾 Centrelink and international pensions👉🏿 retiring overseas and age pension
June markets: SpaceX, ASX, S&P, sector performance + more
This episode was recorded on 18 June 2026. Glen is joined in the studio by Gemma Dale, Investor Behaviour and Markets Specialist at nabtrade and host of the Your Wealth podcast to cover:👉🏿 the SpaceX IPO👉🏻 a review of the ASX 200 and S&P 500👉 a sector-by-sector breakdown of what's actually been happening under the hoodLearn to invest with Glen's award-winning investing book, The Quick-Start Gu
425 WWGD: Recently widowed, $400K term deposit & planning for retirement
In this "what would Glen do" episode, Glen sits down with Sue who is 54 for a retirement health check following her husband's sudden passing. They touch on:👉 Sue's financial snapshot👉🏼 Glen's sound financial house framework👉🏽 savings, super & housing situation👉🏾 car situation👉🏿 Sue's share portfolio👉🏻 considerations - helping kids & grandkids & should Sue get solar on the house?👉 what
424 The expat's handbook: super, shares, tax & coming home with Brett Evans
Living overseas or thinking about it? In this episode Glen is joined by Brett Evans, financial adviser & managing director at Atlas Wealth to answer all your money questions. Brett also shares about what life has been like for him and his family during the Middle East conflict. They cover:👉🏼 paying HELP debt on overseas income👉🏽 repatriating after many years overseas (US citizens vs non-US)👉🏾
423 Grey divorce: what separation can cost you in retirement
Divorce and separation can be challenging at any stage of life, but the financial impact can be even greater when retirement is on the horizon. In this episode, Glen is joined by financial adviser and certified divorce coach Dominique Bergel-Grant to unpack the realities of "grey divorce" and what it means for your retirement plans. They touch on:👉 what is 'grey divorce'? 👉🏼 what certification/stu
422 To RAD or not to RAD: navigating the new aged care rules
Since November 1, Australia's aged care system had a major overhaul. Glen sits down with Nathan Fradley from Fradley Advice to cut through the acronyms and break down what families with aging parents actually need to know. They cover:👉 why aged care doesn't start with a nursing home and the first step families should take👉🏼 what does RAD actually mean?👉🏽 the new November 1 rules👉🏾 other aged care
421 Catch-up contributions, term deposits in super, Centrelink income trap + more
In this Q&A Glen James and financial adviser Nathan Fradley chat about:👉 catch up concessional contributions: how they work and the $500k super threshold👉🏼 can you withdraw from super to get under $500k and put it back in?👉🏽 term deposits inside super: are they safe?👉🏾 does the government's $250k bank guarantee apply inside super?👉🏿 how much to keep in super? $1M in super + $500k in shares at
420 The 2026 Federal Budget: Glen James & Vince Scully with Jim Chalmers, MPs, insiders & what it all means for you
Thanks for listening to our 2026 Federal Budget show! You can watch it on Youtube here: https://www.youtube.com/@RetireRightAus. All filmed on Wednesday 13 May 20262.38 - Jim Chalmers - Treasurer13.40 - Glen James and Vince Scully budget breakdown47.23 - Allegra Spender (Ind.)53.25 - Larissa Waters (Australian Greens Leader)1 hr 4mins - Jane Hume (Deputy Leader of the Opposition (Lib.))1hr 12 mins
419 The latest retirement figures unpacked
The latest ASFA figures say a couple needs $730k in super to retire comfortably at 67, but what do those numbers actually include, and are they right for your situation? In this episode Glen and financial adviser Nathan Fradley unpack the data, challenge the assumptions and walk through Nathan's updated heat map showing how your super balance and age pension interact to produce income in retiremen
418 Can AI replace your financial adviser, how much do you need to retire + more
In today's episode Glen is joined by Nathan Fradley from Nathan Fradley Advice to tackle your community questions:👉 I'm using Gemini AI for financial planning and it seems good, is it safe, and should I trust it?👉🏼 Tamara asked how much do I need to retire on $80K/yr for my situation?👉🏻 Glen puts Tamara's question into ChatGPT, Gemini and Claude & they weigh in on what AI got right and what it
417 The three types of financial advice & why it costs what it does
In today's episode Glen is joined by Vince Scully, Portfolio Manager at Life Sherpa Invest to tackle one of the most talked about topics in finance: the cost of financial advice. Glen and Vince break down:👉 the biggest myths about adviser fees👉🏼 listener question: a $6k re-contribution strategy - was it worth it, and why can't the adviser answer a quick question without re-engaging?👉🏽 the three ty
416 What to ask to avoid bad financial products & why some funds collapsed
In this episode, Glen and Vince Scully, Portfolio Manager from LifeSherpa Invest tackle one of the biggest questions in retirement planning: is your super actually safe? They touch on:👉 how super is structured and protected👉🏼 the three layers of a superfund👉🏽 when SMSF investments go wrong and who's really to blame👉🏾 why super fund failures happen: the Trio/Astara case explained👉🏿 how the First Gu
415 Super strategies at 65, moving back to Australia for the pension & borrowing to invest
In today's Q&A, Glen and financial adviser Martin McGrath from Financial Edge Group discuss your questions about:👉 pros & cons of starting a pension at 65👉🏼 transfer balance cap & recontribution strategy👉🏽 should I put savings into super before retiring?👉🏾 moving back to Australia for the age pension👉🏿 borrowing against home equity to investSubscribe to Retire Right on Youtube: https:/
414 Investment bonds: the 125% rule, tax-free access & when to use them
In this episode, Glen James and financial adviser Martin McGrath go under the hood on investment bonds and unpack:👉 what is an investment bond👉🏼 how tax works👉🏽 the rules👉🏾 using investment bonds for kids and grandkids👉🏿 the advantages👉🏻 personal investing vs super vs investment bond👉 high-income earner case study👉🏼 using investment bonds for education purposesSubscribe to Retire Right on Youtube:
413 TTR or not, timing contributions, JobSeeker rules & death benefit pensions
In this episode, Glen James and Nathan Fradley answer community questions:👉 should Donna keep her money in super or in her transition to retirement account?👉🏼 should Chris drip feed $15k into super, time the market or just put it in?👉🏽 will moving super to pension mode affect Debbie's JobSeeker payment?👉🏾 and what changes if you’ve got an SMSF👉🏿 what happens to a reversionary pension when your spo
412 Annuities explained: how they work, Centrelink boosts & retirement income
In this episode Glen is joined by financial adviser Nathan Fradley to discuss what an annuity is and how it works. They cover:👉🏼 what are annuities and why are they incentivised👉🏽 how they work👉🏾 Centrelink concessions👉🏿 a practical example case study👉🏻 will I be better off by using an annuity?👉 does the payment increase?👉🏼 who do they help👉🏽 downsides to consider 📘 The Quick-Start Guid
411 Smart or risky? Is this Uber driver's retirement plan genius or a disaster?
Nathan's Uber driver has his retirement plan sorted! Is it a good one or does it have some holes? Glen and Nathan chat about this case study.👉 the Uber driver's current situation👉🏼 his retirement plan👉🏽 questions that need clarifying👉🏾 Nathan’s thoughts👉🏿 projected financial situation & considerations at age 67👉🏻 using an equity release or reverse mortgage👉 what would Nathan's advice beSubscri
410b How to thrive in your 50's, 60's and beyond
In this episode Glen chats with career transition expert Robyn Greaves, author of Your Third Chapter, about why traditional retirement doesn't work for everyone and the other options available. They touch on:👉 is retirement an outdated myth?👉🏼 the concept of "unpacking before repacking"👉🏽 living life on your own terms👉🏾 why Robyn says traditional retirement is a health hazard👉🏿 planning your trans
410 Transition to retirement (TTR) pensions and strategies
In today's episode Glen is joined by financial adviser Nathan Fradley to unpack what a transition to retirement pension is and how it works. They cover:👉 what a TTR is and what it's used for👉🏼 examples of how it works in practice👉🏽 some TTR strategies - maxing super contributions, property settlement & more👉🏾 using a TTR pension with a wrap account👉🏿 can you add to a TTR?👉🏻 some things to cons
409b War in the Middle East: what to do with your retirement savings
Share markets get choppy during global conflicts, pandemics and presidential tweets, and people with good intentions can make bad and irreversible decisions with their super. If you are thinking "should I move my super to cash?" to protect your nest egg and stay safe, this episode is for you. Glen and Vince Scully from Life Sherpa Invest unpack this important question.Subscribe to Retire Right on
409 When to reduce life insurance, why price can't be the main driver, self-insuring, claims + more
In today's life insurance Q&A, Glen James is joined by Phil Thompson from Skye Wealth to answer questions from the Retire Right Facebook group. They touch on:👉🏼 what to ask at your insurance review👉🏽 when does life insurance become unnecessary?👉🏾 affordability vs need, should you dial down or cancel?👉🏿 what's the role of a broker/adviser at claim time?👉🏻 when does income protection stop and TP
408 Retiring before 65, super vs shares at 60, contribution decisions and buying a caravan
In this episode Glen James and Martin McGrath discuss questions from the community about:👉🏼 why we don't have financial modelling for retiring pre-65👉🏽 borrow money to buy caravan or wait 4 years until access to super👉🏾 super and share strategy advice at age 60Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAusIf you’d like to chat with someone about your personal situati
407 Bucket strategies, market crashes, super risk levels & does property beat super in retirement?
Glen and Martin unpack questions from the Retire Right Facebook community touching on:👉 how a bucket strategy works👉🏼 bucket strategy with a defined benefit pension👉🏽 is investing in super or property safer in retirement?👉🏾 market crash, correction and bear market terms explained👉🏿 moving from accumulation to pension phase & tax👉🏻 selling an investment property in retirement & a tax strate
406 Centrelink assets, market volatility, comparing super funds, paying off the mortgage + more
In this community Q&A, Glen and Martin chat about:👉 selling investment property in retirement & putting in super👉🏼 Centrelink assets and exemptions👉🏽 market volatility and switching to low risk👉🏾 mortgage repayments vs super in your 50s👉🏿 how to compare super fund performance👉🏻 long service leave - lump sum vs taking leave over timeNote: Glen mentions the RBA cash rate in this episode whic
405 Die with zero and the mental shift required from saving to spending
You can save for decades and still struggle to spend. Glen James and Vince Scully break down the concept of "dying with zero", the mental shift required in retirement and why advice fees often feel harder than they should.👉🏼 you can save for decades and still struggle to spend👉🏽 why switching from saving to spending feels so hard👉🏾 real retiree case study: mindset blocks👉🏿 why advice fees feel har
404 Investing in property after age 50: lending rules, risk, cash flow & super traps
Thinking about buying property in your 50s or 60s? In this episode Glen is joined by buyer’s advocate John Pidgeon to break down what actually matters when buying property later in life. They touch on:👉 an introduction to John Pidgeon👉🏼 can you still buy property after 50?👉🏽 lending for older folk👉🏾 case study: securing an IP loan against your PPOR using equity👉🏿 time in the market vs timing the
403 Living, moving or want to retire overseas? investing, super and tax as an Aussie expat
Brett Evans, founder of Atlas Wealth, joins Glen to chat about all things expat! They touch on:👉🏼 a little about Brett, his work in the expat space👉🏽 how does tax work while living and working overseas?👉🏾 moving to Malta - how does this affect my age pension + tax?👉🏿 if moving overseas for retirement, do you need to keep an Aussie bank account?👉🏻 living in Singapore but repatriating - sell my inve
402 Rent or buy during retirement (a real case study)
In today's episode Glen and financial adviser Nathan Fradley unpack a real and confronting retirement case study about 69 year old Anne*, a recently widowed retiree whose financial and housing security was devastated through elder financial abuse by a family member. She now faces the question: rent, buy or another solution?*Name changed for privacy👉🏾 the case study & backstory to Anne’s curren
401 The ultimate pre-retirement checklist
Glen and Martin discuss the essential ways to prepare 10 years out from retirement. 👉🏾 review and pay down debt👉🏿 know your numbers👉🏻 living arrangements 👉 start thinking about lifestyle goals👉🏼 super investment options👉🏽 review super beneficiaries & estate planning👉🏾 mortgage strategy👉🏿 gifting considerationsDownload the free ebook, 10 things to master 10 years before retirement: https://www.
351 private credit, investing for kids & moving shares into super (with Gemma Dale)
Glen & Gemma Dale answer investing questions from the Retire Right Facebook group, touching on:👉 should I invest in listed private credit ETF for income in retirement 👉🏼 investing for kids for minimum 10 year timeframe👉🏽 are there any tax benefits for selling shares before age 60 and putting in super?👉🏾 is one vanguard international fund and one vanguard Australian fund enough?Learn how t
350 super: reversionary pensions, pay off mortage or salary sacrifice, downsizer vs non-concessional + more
In today's episode Glen James, Martin McGrath and Nathan Fradley answer your questions about super in retirement covering:👉🏾 accessing super to help children buy a property👉🏿 if I don’t spend all my compulsory pension drawdown, can I put the money back into super?👉🏻 types of super beneficiaries explained & reversionary pension explained👉 what actually happens to your super pension when your sp
349 bucket strategy explained: super drawdown & investment allocation
Glen James, Martin McGrath and Nathan Fradley break down bucket strategies for retirement - how to build them, how to draw down from them and how your investment allocation should shift before and after you stop working.👉🏾 bucket strategy - two different approaches to setting one up👉🏿 rebalancing for income in pension mode using a bucket strategy👉🏻 if you have money outside of super, do you still
348 Centrelink traps to avoid in retirement (Q&A with Justin Bott from Services Australia)
Justin Bott from Services Australia returns to the show to answer your Centrelink questions:👉🏾 can you setup work reporting online?👉🏿 how does Centrelink assess real estate bigger than 2 hectare👉🏻 closing a business and applying for the age pension 👉 the assets test: how to price assets like jewellery and artwork👉🏼 paying off the mortgage vs keeping funds in account based pension👉🏽 inherited money
347b dying well: planning, caregiving & facing death with dignity
Casey Beros is a health journalist and author of Next of Kin: What to Expect When You're Expecting to Care for Someone You Love. In this chat Casey sits down with Glen and shares her personal story caring for her dad through terminal illness, the emotional and practical realities families face and how early conversations can protect your loved ones during one of life’s hardest chapters.👉 what make
347 age pension updates, deeming rises, concession cards & the work bonus explained
Due to popular demand, Justin Bott from Services Australia returns to the show to chat with Glen about the major Centrelink changes, a 101 on concession cards + the work bonus. They talk about:👉 indexation changes to pensions - what increased👉🏼 how the assets test and income test actually work👉🏽 what is deeming 👉🏾 the new deeming rates👉🏿 benefits of deeming👉🏻 Commonwealth Seniors Health Card - who
346 retiring with multiple properties (a real retirement case study)
Glen and Martin break down a real case study of a couple in their mid-50s with eight investment properties, $3M in debt and tight month-to-month cashflow. They unpack how selling strategically, using super effectively and reducing debt can turn a high-complexity portfolio into a clear plan toward retiring earlier with less stress and more income.👉 the couple's situation👉🏼 some considerations👉🏽 Mar
345 retiring when you own a business: selling, tax, super and income strategy (a real case study)
In today’s episode, Glen and Martin unpack a real case study of a couple who recently sold their business, were ready to retire and sought financial advice. They had wealth tied up inside their company, money in super and some big decisions to make about how to create a reliable retirement income. They cover:👉🏾 background of the couple and the business they sold👉🏿 why business sale proceeds often
344 we don’t need a financial adviser! (a real retirement case study)
Glen and Martin break down a real retirement case study that started with a familiar line: “we don’t need an adviser, our affairs are simple!”. Upon changing their minds, the couple discovered thousands in tax savings, better investment structures and a bigger age pension.👉 why some people think they don’t need financial advice👉🏼 Charlie & Diane’s situation: 66 and 64, planning retirement soon
343 retirement was never the goal, what Warren Buffet told him & navigating change (former CEO of 7-Eleven & Blockbuster)
Former 7-Eleven and Blockbuster CEO Jim Keyes joins Glen live from SXSW to share stories from leading two of the world’s most recognisable companies, the lessons that came from collapse, and his “three C’s” for success - change, confidence and clarity.👉🏾 what retirement means to Jim & why he thinks it’s outdated👉🏿 the idea of education is freedom and learning as compounding interest👉🏻 leaving
342 moving investments to cash, Glen’s guest has ‘no idea’, gifting equity to children + more
In today's episode Glen and Vince Scully from Life Sherpa discuss some hot topics that have been sparking chatter in the Retire Right Facebook group:👉 gifting equity to your children to purchase a property👉🏼 shifting investments to 100% cash👉🏽 "Glen's guest is talking rubbish!"👉🏾 can I open a second account-based pension?🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retir
341 changes coming to the $3m super tax + big super fund wait times (Glen and Vince live from Sydney SXSW)
In today’s episode, Glen is joined by Vince Scully from LifeSherpa to unpack the latest shake up to the $3 million super tax proposal. They explain what’s changed and what it means for high and low-income Australians alike.👉🏽 what’s actually changed in the $3m super tax👉 why taxing unrealised gains was dropped👉🏿 the LISTO increase and who benefits👉🏽 why super fund wait times vary so much👉🏼 what to
340 money habits, marriage & making retirement work (with Joe Saul-Sehy live from Fincon)
Glen sits down with Joe Saul-Sehy from Stacking Benjamins live at FinCon in Portland, Oregon. They chat about the money lessons Joe learned the hard way, how to have better money conversations with your partner and more, touching on:👉🏾 you can’t out-earn bad money habits👉🏿 who you surround yourself with shapes your success👉🏻 what makes a successful investor👉 Joe's investing strategy👉🏼 mindset arou
339 aged care case study: costs, funding strategies & changes from 1 Nov 2025
Need to move a parent or loved one into residential aged care? Glen James and financial adviser Nathan Fradley explain the four types of fees, what changes from 1 November 2025 and different ways to pay for aged care. They cover:👉 the first steps in seeking aged care support👉🏼 four key fees: accommodation (RAD/DAP), basic daily, means-tested & additional services👉🏽 changes from 1 November 2025
338 how much do you need to retire in Australia?
Glen James is joined by independent financial adviser Nathan Fradley to cover the big question: how much money do you actually need to retire in Australia? They cover:👉 Centrelink income vs assets test👉🏼 super balances vs pension payments👉🏽 retirement psychology & fear of spending👉🏾 ASFA standards for comfortable vs modest lifestyles👉🏿 case studies: $500k, $1m and $2m portfolios👉🏻 modelling re
337 granny flat provisions explained: Centrelink rules, risks & case study
In this episode, Glen is joined by financial adviser Nathan Fradley to unpack the often-misunderstood “granny flat provision” also known as a granny flat interest or right. They chat about how Centrelink assesses these arrangements, when they can work well, a real case study, plus risks to watch out for. The cover:👉 what a granny flat right actually is & how Centrelink assesses it👉🏼 homeowner
336 timing the market, inheriting property & CGT, 6-year rule refresh & transfer balance caps
In this episode Glen and Martin unpack your questions:👉 should you change your super investment strategy when the markets are volatile👉🏼 inheriting property and CGT rules after 2 years👉🏽 strategies to reduce tax when selling inherited property👉🏾 how the 6-year rule works if you rent out your PPOR👉🏿 what the transfer balance cap means in retirement planningIf you’d like to chat with someone about y
335 Centrelink work bonus test, member directed super options, partner that’s 7 years younger + more
In today’s episode, Glen and Martin unpack:👉 how the Centrelink work bonus test works👉🏼 member-directed super options like Choice Plus👉🏾 their thoughts on DIY'ing your super investments👉🏻 super strategies when one partner is 7 years younger👉🏿 how much do you need to self fund in retirement?If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you
334 productivity roundtable, tax, housing, intergenerational wealth + more with Allegra Spender
The productivity commission roundtable was held last week in Canberra. To discuss what was on the table, Glen is joined by Allegra Spender, Independent Member for Wentworth, so you can stay up to date. They talk about:👉 the context of the productivity commission roundtable👉🏼 Allegra Spender's background and her current role👉🏽 what the productivity commission roundtable was focused on👉🏾 the trainin
333 selling inherited shares, share brokerage terms, non-concessional contribution vs mortgage, downsizing property to super + more
In today's Q&A, Glen and Martin discuss:👉🏻 should you sell inherited shares and buy ETFs? Plus SRN, HIN and CHESS sponsorship explained👉 extra non-concessional contributions vs paying down the mortgage👉🏼 can I still salary sacrifice up to the $30k cap even if my super balance is over $500k👉🏽 retire with an IP or sell IP and put money in super?Watch the 'money by age' mini-series here: https://
332 age pension deep dive - living on the pension (part 2)
In this 2-part mini series, Glen is joined by Justin Bott, a Community Information Officer from Services Australia to unpack everything around the Centrelink age pension. In part 2, Glen and Justin discuss what you need to know about living on the pension, touching on:👉🏾 changes you must tell Centrelink within 14 days👉🏿 how working affects your pension and tax👉🏻 gifting limits and their impact on
331 age pension deep dive - getting ready to claim (part 1)
In this 2 part mini-series, Glen is joined by Justin Bott, a Community Information Officer from Services Australia to unpack everything around the Centrelink age pension. In this episode Glen and Justin discuss preparing to claim. Stay tuned for next week where we cover living on the pension. In this episode they touch on:👉 when to start preparing to claim👉🏼 the benefits of chatting with a fi
330 money in your 70's: simplify, optimise, enjoy
Your 70s are a time to enjoy life and set things up smoothly for the future. In this episode, Glen James and financial advisor Martin McGrath walk through what to consider in this decade of retirement. They talk about:👉🏾 maximising age pension and seniors health card👉🏿 considering funeral bonds and gifting strategies👉🏻 managing pension income and super withdrawals👉 simplifying finances and assets👉
329 money in your 60's
Your 60s are all about fine-tuning your retirement game plan. In today's episode Glen and Martin cover the key financial moves to make during this decade, from topping up your super to planning how and when you’ll retire. They touch on:👉 how to use concessional and non-concessional super contributions👉🏽 transition to retirement (TTR) pensions explained👉🏾 when to access super and pay off your
328 money in your 50's
Your 50s are an exciting time to start laying the groundwork for a great retirement. In today’s episode, Glen and Martin cover:👉 stopping extra mortgage repayments👉🏼 topping up concessional contributions 👉🏽 checking that your investments align with your preferences👉🏾 reviewing insurance as needs change👉🏿 building your retirement vision 👉🏻 seeing your GP and doing health checks👉 consideri
327 is my money safe with a super fund or financial adviser?
Worried about whether your super is safe? In this episode, Glen and Vince Scully from Life Sherpa dive into the structures behind super funds and financial advice, from industry funds and wrap accounts to red flags and diversification. They answer Angela's question from the Facebook group and unpack what to look for (and what to avoid) when deciding where to put your retirement savings. They talk
326 the key changes from 1 July 2025 and how they impact you
It’s the start of a new financial year and with that comes a bunch of changes that could impact your retirement planning. Glen and Martin unpack what’s changed from 1 July 2025 and what you need to watch out for before 30 June 2026. They cover:👉🏽 super guarantee increase and how it affects your pay👉🏾 transfer balance cap changes explained👉🏼 new Medicare levy and HELP thresholds👉🏿 why your 30 June
325 spouse super splitting, pension accounts for inheritance, motorhomes & Centrelink + more
In today's community Q&A, Glen James and Martin McGrath unpack:👉 what is spouse super splitting and who would this strategy suit👉🏼 can/should anon open a new pension account for an inheritance?👉🏽 when to fill out a notice of intent to claim for a super contribution👉🏾 can my motorhome be deemed my primary residence for Centrelink purposes?If you’d like to chat with someone about your personal s
324 when to cancel life insurance, do I still need it, how much do I need + more
If you’ve paid off the mortgage, the kids are grown, and retirement is on the horizon, you might be wondering... do I still need life insurance? In this episode, Glen and insurance adviser Phil Thompson from Skye Wealth dig into how to know if you're overinsured, how to reduce premiums without going cold turkey, and the real reasons people hang onto cover (even when they might not need to). Plus,
323 how the $3m super tax works and when it may impact you
Glen & Martin unpack how the proposed $3 million super tax (Division 296) actually works. They cover who’s likely to be affected, how the tax is calculated (including the controversial unrealised gains), and what options you might consider if you’re close to the threshold. Covered in the episode: 👉🏼 who the $3m tax applies to (and who it doesn’t) 👉🏽 how the tax is calculated—including unrealis
322 understanding WRAP accounts for wealth accumulation & retirement
In this episode, Glen and Vince Scully break down WRAP accounts and how they can be used for wealth accumulation and retirement planning. They discuss their benefits, tax advantages and features, and how they provide greater control and flexibility compared to traditional superannuation funds. They also clear up common misconceptions and explain when a WRAP account may be beneficial based on your
321 selling your investment property? how to slash your tax bill using super
Got a rental property you’re thinking of selling before retirement? In this episode, Glen and Martin break down how to use your super to reduce your capital gains tax. They touch on:👉 how capital gains tax works when selling an investment property👉🏼 using concessional contributions to reduce your tax bill👉🏽 what carry-forward rules let you do (and who qualifies)👉🏾 the bring-forward rule and using
320 retirement sweet spot: upgrade home, draw down super & boost Centrelink pension (real case study)
In this episode, Glen and Martin walk through a real case study where a couple in their early 70s boost their Centrelink age pension by upgrading their home and drawing down super. They break down how the rules work and how strategic planning can improve cash flow without reducing lifestyle. To see the visuals head to our YouTube channel! Glen & Martin discuss:👉 upgrading the home to reduce as
319 resigning at 60 to access super early + nerd out on super components (preservation, taxable, non-taxable, ESPs)
In today's episode Glen and Martin answer a listener question about quitting a casual job at age 60 and what that means for accessing super. Plus, they dive deep into the behind-the-scenes super components that can affect tax, estate planning and insurance. They touch on:👉🏻 when quitting a job at 60 lets you access super👉 the difference between preservation age and conditions of release👉🏼 how “tax
