Your 40s and 50s are a crucial window for shaping your financial future—but many people start coasting without realising it. In this episode, we break down the cost of delaying action and share simple, high-impact steps to strengthen your long-term wealth. Tune in to make these years count.



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General advice disclaimer [https://guidancefs.com.au/general-advice-disclaimer/]

The Biggest Financial Mistake People Make in Their 40s and 50s

This week on the Wealth Builder podcast Nick talks to Ange Belot from Cheeky Kookaburra on starting and growing a successful small business.



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General advice disclaimer [https://guidancefs.com.au/general-advice-disclaimer/]

How to grow a successful small business?

In this episode, we break down private equity and private credit—two fast-growing but often misunderstood parts of the investment world. We explore how they work, why super funds love them, and why private credit might be the most likely trigger of the next market downturn.



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General advice disclaimer [https://guidancefs.com.au/general-advice-disclaimer/]

The Source of the Next Market Crash? - What are Private Equity and Private Credit

This week on the Wealth Builder podcast Nick and Paul discuss the topic of the moment - are stock markets, particularly the US market, in an AU fuelled bubble, with an inevitable bust somewhere on the not too distant horizon?

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General advice disclaimer [https://guidancefs.com.au/general-advice-disclaimer/]

Are we in an AI bubble?

In this episode, we dive into the real power of opportunity cost and how it shapes every financial decision — from insurance and investing to lifestyle choices and where you keep your savings. Learn how recognising trade-offs can help you make clearer, more intentional decisions and ensure your money is working toward what matters most. It's a fresh, practical lens that can help you take control of your financial direction.



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General advice disclaimer [https://guidancefs.com.au/general-advice-disclaimer/]

The Hidden Cost of Every Decision: Understanding Opportunity Cost

This week on the Wealth Builder podcast Nick talks to Sheredyn Legg and Stephen Fries about testamentary trusts and who they might be good for.

We'd love to hear your feedback. Send us a message via the Guidance website [https://www.guidancefs.com.au/].

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General advice disclaimer [https://guidancefs.com.au/general-advice-disclaimer/]

Testamentary Trusts - Novum Law

Earning $100,000 a year in retirement — tax free — might sound too good to be true, but Australia's superannuation system makes it possible with the right planning. In this episode, we break down how it works, the rules you need to know, and the strategies that can get you there.

We cover the superannuation pension phase, the transfer balance cap, and key ways to grow and structure your super for maximum tax-free income.

If you're serious about building long-term wealth and securing a comfortable retirement, this episode is a must-listen.



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General advice disclaimer [https://guidancefs.com.au/general-advice-disclaimer/]

How To Get $100k Per Year In Retirement - Tax Free

This week on the Wealth Builder podcast Nick talks to Guidance team member Brenden Butler about ways to build financial security in your thirties.

We'd love to hear your feedback. Send us a message via the Guidance website [https://www.guidancefs.com.au/].

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8 Steps to Building Financial Security in your 30s

It’s one of the most common questions in retirement planning — when is the right time to move your super into the pension phase?

In this episode, we unpack the pros, cons, and grey areas of converting superannuation to a pension. From tax implications and minimum drawdowns to defined benefit funds and surplus income, we explore when the default advice might not be the best fit.

Whether you’re planning ahead, approaching retirement, or already enjoying it, this conversation will help you navigate one of the most important financial decisions you’ll make.

 

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Should I convert my Super to a Pension?

This week on the Wealth Builder podcast Nick talks to solicitors Sheredyn Legg and Stephen Fries about the basics of estate planning.

We'd love to hear your feedback. Send us a message via the Guidance website [https://www.guidancefs.com.au/].

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General advice disclaimer [https://guidancefs.com.au/general-advice-disclaimer/]

Estate Planning Basics

Plenty of books, podcasts and blogs focus on building wealth – and that’s great, as far as it goes. But focusing just on wealth misses the point. I believe what most of us actually want is to have choice. Choice in how much time we give to income-producing activities. Choice about what those income-producing activities are. Choice about where we live. Choice about when we retire. Choice about the ways we use our money to produce happiness. In the Financial Autonomy podcast, I explore the different ways you can gain choice - from investing in stocks to becoming self-employed, starting a side hustle, or buying an investment property. I share learnings I've gained working with clients for over 20 years as a Certified Financial Planner, and interview others with interesting insights or experiences in gaining choice in life.

Paul Benson

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