Negative Equity Nightmare: How This Couple Lost $150k on a New Build Property

Negative Equity Nightmare: How This Couple Lost $150k on a New Build Property

Can property investing go wrong? In this episode, Rob Goudie and Ashley Rowan discuss a real-life Australian property case study involving a couple who found themselves facing significant negative equity shortly after purchasing a newly built investment property. The conversation explores: ✔️ What negative equity means and why it matters ✔️ The risks associated with off-the-plan and newly built investment properties ✔️ Property marketing fees and sales commissions ✔️ The role of borrowing, leverage and debt in property investing ✔️ Self-managed super funds (SMSFs) and property investments ✔️ Alternative wealth-building strategies, including shares and businesses ✔️ The importance of understanding risk before making investment decisions Whether you're considering your first investment property or reviewing your long-term financial strategy, this episode provides valuable insights into the importance of due diligence and informed decision-making.   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

Case Study: Reducing Death Benefits Tax with a Superannuation Recontribution Strategy

Rob Goudie and Ash Rowan discuss a crucial strategy for retirees looking to minimize potential death benefit taxes on their superannuation. Ash shares a real-life case study of a retired couple with a $1.3 million superannuation balance that is fully taxable. They explore the complexities of taxable vs. tax-free components within superannuation and how changes to CGT and negative gearing can impact estate planning. The discussion delves into a "recontribution strategy," a method of withdrawing funds from superannuation and recontributing them as non-concessional contributions. This process aims to increase the tax-free component of the superannuation balance, thereby reducing the tax liability for beneficiaries.  Don't miss this valuable discussion on proactive superannuation and estate planning to protect your assets for the future.   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

Navigating Separation: Practical Financial Guidance & Support

Going through a separation or divorce can feel overwhelming, emotionally and financially. In this episode, Rob Goudie and Rachael Todman discuss how to make calmer, smarter financial decisions during a difficult life transition. Rachael shares a real-life story that highlights why it’s important not to rush major decisions when emotions are running high. In this episode, you’ll learn about: Taking your time with big decisions*— why slowing down before moving house or making large purchases can help avoid costly mistakes. Managing money on your own — practical tips for budgeting, tracking expenses, and setting up automatic bill payments after separation. Building financial stability — how to create emergency savings, manage cash flow, and provide security for yourself and your children. Planning for the future — the importance of life insurance, wills, and estate planning to protect your family. This episode provides practical guidance, reassurance, and simple steps to help you regain financial confidence and create a more secure future after divorce or separation. #Divorce #FinancialPlanning #MarriageBreakdown #Separation #PersonalFinance #InvestorMotivation #FinancialAdvice #WealthManagement #LifeChanges #SingleParenting

Federal Budget 2026: Capital Gains, Negative Gearing & Trusts Explained

Australia’s 2026 Federal Budget has landed, and there are major proposed changes that could impact taxpayers, property investors, business owners and families across the country. In this episode, Amy and Rob break down the key announcements from the Federal Budget handed down on 12 May 2026, including: • Personal income tax cuts from 1 July 2026 • The proposed new $250 Working Australians Tax Offset (WATO) • The new $1,000 instant tax deduction for work-related expenses • Proposed Capital Gains Tax (CGT) reforms • Changes to negative gearing rules for residential property investors • Proposed 30% minimum tax for discretionary trusts • What these changes could mean for investors, retirees and everyday Australians They unpack what’s already legislated, what’s still proposed, and the practical implications you should be aware of moving forward. ⚠️ Please note: Some measures discussed are proposed changes only and are subject to legislation being passed. If you have questions about how these changes may affect your personal situation, reach out to the team for tailored advice. 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.

Your Aged Care Guide: RADs & Financial Complexities

Feeling overwhelmed by aged care finances? Confused about the RAD (Refundable Accommodation Deposit)? You're not alone. In this episode, we break down exactly what a RAD is, how it works, and the crucial financial complexities you need to navigate when choosing aged care in Australia. If you or a loved one are facing aged care decisions, this podcast episode will provide the clarity and confidence you need. Tune in to take control of your aged care finances! 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