Ep 51 - Smart Money for Small Business

Ep 51 - Smart Money for Small Business

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale is joined by Financial Adviser and Alman Partners business owner, Jason Kirk, to unpack the realities of running a small business in Australia. With 98% of Australian businesses falling into the SME category—and many owners sacrificing a salary in the early years—Jason explores how financial advice for business owners differs from that for individuals. He explains why effective advice comes down to sequencing risk: understanding what to prioritise, what to put on hold, and what to avoid altogether. They also dive into the strong link between personal and business finances, and the value of a well-rounded professional network—especially collaborating closely with accountants—to achieve better client outcomes. Jason shares his perspective on the right time for business owners to seek financial advice, challenging the common mindset of waiting until “later.” Whether you’re launching a start-up or managing an established SME, this episode delivers practical insights to help you make smarter financial decisions at every stage.   Find us on:  𝗣𝗼𝗱𝗯𝗲𝗮𝗻 [https://wealthexperience.podbean.com/], 𝗦𝗽𝗼𝘁𝗶𝗳𝘆 [https://open.spotify.com/show/2qj0mIoNL48BQWb3H7cYxH], 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, [https://music.amazon.com/podcasts/5731c30d-a1d5-4485-822d-d55d0845cdcf/wealth-experience] 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠 [https://player.fm/series/3472668], 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀 [https://podcasts.apple.com/us/podcast/wealth-experience/id1688303408]   𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.   Alman Partners True Wealth | Expert Financial Advice | Mackay & Brisbane [https://www.alman.com.au/]  AP Direct Invest - Alman Partners [https://www.alman.com.au/our-services/apdirectinvest/]    #wealthexperiencepodcast #almanpartners #truewealth #smallbusiness #businessowner #smefinancialadvice

Ep 50 - Planning for Forever (and Just in Case)

In this milestone episode, Kelsey is joined by Leanne Abela and Joseph Schepis of Pearsons Family Law, who bring 40+ years of experience each to a frank, practical conversation about family law and asset protection. Together, they cut through the confusion and debunk common myths that stop people from planning with confidence. From pre-nups and property division to settlements, asset protection, and gifting property to children, this episode breaks down what really matters - before things get complicated. Whether you’re planning for the future or protecting what you’ve built, this is essential listening for couples, families, and anyone serious about long-term security.   Topics covered: * Pre-nuptial agreements: what they do (and don’t) protect * Property division & settlements explained * Asset protection strategies * Gifting property to children - pitfalls and planning tips * Trusts   RESOURCES Pearsons Family Lawyers Melbourne [https://pearsonslawyers.com.au/]   Find us on:  𝗣𝗼𝗱𝗯𝗲𝗮𝗻 [https://wealthexperience.podbean.com/], 𝗦𝗽𝗼𝘁𝗶𝗳𝘆 [https://open.spotify.com/show/2qj0mIoNL48BQWb3H7cYxH], 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, [https://music.amazon.com/podcasts/5731c30d-a1d5-4485-822d-d55d0845cdcf/wealth-experience] 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠 [https://player.fm/series/3472668], 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀 [https://podcasts.apple.com/us/podcast/wealth-experience/id1688303408]   𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.   Alman Partners True Wealth | Expert Financial Advice | Mackay & Brisbane [https://www.alman.com.au/]  AP Direct Invest - Alman Partners [https://www.alman.com.au/our-services/apdirectinvest/]    #wealthexperiencepodcast #almanpartners #pearsonsfamilylaw #assetprotection #familylaw #prenup

Ep 49 - Understanding Term Deposits

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale & Kelsey demystify term deposits - one of the simplest tools to grow your savings. We break down what they are, how they work, and who they’re best suited for, from cautious savers to those looking for guaranteed returns without market volatility.   You’ll also hear the key pros and cons: the comfort of fixed interest and capital security versus the trade‑off of limited access and potentially lower returns compared to other investments. Whether you’re new to investing or considering where to park your cash, this episode will help you decide if a term deposit fits your financial strategy.   Find us on:  𝗣𝗼𝗱𝗯𝗲𝗮𝗻 [https://wealthexperience.podbean.com/], 𝗦𝗽𝗼𝘁𝗶𝗳𝘆 [https://open.spotify.com/show/2qj0mIoNL48BQWb3H7cYxH], 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, [https://music.amazon.com/podcasts/5731c30d-a1d5-4485-822d-d55d0845cdcf/wealth-experience] 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠 [https://player.fm/series/3472668], 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀 [https://podcasts.apple.com/us/podcast/wealth-experience/id1688303408]   𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.   Alman Partners True Wealth | Expert Financial Advice | Mackay & Brisbane [https://www.alman.com.au/]  AP Direct Invest - Alman Partners [https://www.alman.com.au/our-services/apdirectinvest/]    #wealthexperiencepodcast #almanpartners #truewealth #termdeposits #interestrates #splitspaces #launchpadstudios

Ep 48 - Wealth Lessons from Market History

Welcome to the first episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 of 2026. In this episode, Teneale travels through some of the most dramatic moments in financial history - the Great Depression, the Global Financial Crisis, and the COVID‑19 crash - to uncover timeless lessons about building and preserving wealth.   Across every crisis, one pattern stands out: markets fall fast…but they often rebound even faster. And for investors, missing just a handful of the market’s best days can mean missing out on the recovery entirely. We break down why staying invested - even when it feels uncomfortable - is one of the most powerful wealth strategies available.   𝐷𝑖𝑠𝑐𝑖𝑝𝑙𝑖𝑛𝑒𝑑 𝑖𝑛𝑣𝑒𝑠𝑡𝑜𝑟𝑠, 𝑛𝑜𝑡 𝑟𝑒𝑎𝑐𝑡𝑖𝑣𝑒 𝑜𝑛𝑒𝑠 𝑏𝑢𝑖𝑙𝑑 𝑙𝑎𝑠𝑡𝑖𝑛𝑔 𝑤𝑒𝑎𝑙𝑡ℎ.   Join us as we explore the real stories, the historical data, and the key takeaways that help investors navigate uncertainty with confidence. If you’re looking to deepen your long-term investment mindset, this episode is for you.   Find us on:  𝗣𝗼𝗱𝗯𝗲𝗮𝗻 [https://wealthexperience.podbean.com/], 𝗦𝗽𝗼𝘁𝗶𝗳𝘆 [https://open.spotify.com/show/2qj0mIoNL48BQWb3H7cYxH], 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, [https://music.amazon.com/podcasts/5731c30d-a1d5-4485-822d-d55d0845cdcf/wealth-experience] 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠 [https://player.fm/series/3472668], 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀 [https://podcasts.apple.com/us/podcast/wealth-experience/id1688303408]   𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.   Alman Partners True Wealth | Expert Financial Advice | Mackay & Brisbane [https://www.alman.com.au/]  AP Direct Invest - Alman Partners [https://www.alman.com.au/our-services/apdirectinvest/]    #wealthexperiencepodcast #almanpartners #truewealth #wealthlessons #financialhistory #investorlessons

Ep 47 - Avoiding the New Year Financial Hangover

The festive season is just around the corner, but for some, it’s not always the most wonderful time of the year—especially when the average Christmas spend sits between $1,200 and $1,500. In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale and Kelsey dive into the financial realities of the holidays and share practical tips to keep your budget in check.   They also explore the 5 Love Languages—Words of Affirmation, Acts of Service, Receiving Gifts, Quality Time, and Physical Touch—and how understanding them can make this season more meaningful without overspending.   Plus, discover how AI tools can help you manage your finances, investments, superannuation, and even set achievable goals for the new year.   Tune in for insights that will help you celebrate smarter and start 2026 on the right foot!   RESOURCES The 5 Love Languages – Gary Chapman   Find us on:  𝗣𝗼𝗱𝗯𝗲𝗮𝗻 [https://wealthexperience.podbean.com/], 𝗦𝗽𝗼𝘁𝗶𝗳𝘆 [https://open.spotify.com/show/2qj0mIoNL48BQWb3H7cYxH], 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, [https://music.amazon.com/podcasts/5731c30d-a1d5-4485-822d-d55d0845cdcf/wealth-experience] 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠 [https://player.fm/series/3472668], 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀 [https://podcasts.apple.com/us/podcast/wealth-experience/id1688303408]   𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.   Alman Partners True Wealth | Expert Financial Advice | Mackay & Brisbane [https://www.alman.com.au/]  AP Direct Invest - Alman Partners [https://www.alman.com.au/our-services/apdirectinvest/]    #wealthexperiencepodcast #almanpartners #truewealth #newyearfinancialhangover #christmasspending #5lovelanguages #budget #splitspaces #launchpadstudios