Investor Motivation

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. 

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

Want to legally reduce your tax and boost your retirement savings at the same time? In this episode, financial planners Rob Goudie and Ashley Rowan break down one of the most powerful, and often overlooked, strategies in Australia: catch-up concessional (carry forward) super contributions. With decades of combined experience, Rob and Ash explain how this strategy works, who qualifies, and how you can potentially save thousands in tax by making smarter super contributions. If you’re earning a solid income or planning a major financial move, this is a must-watch strategy that could make a serious difference to your long-term wealth. #Superannuation #TaxStrategy #InvestingAustralia #FinancialPlanning #WealthBuilding 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

Is the government's 5% deposit scheme really helping first home buyers, or is it pushing them into unsustainable debt? Rob Goudie and Ashley Rowan dive deep into the pros and cons, the inflationary impact, and what you really need to consider before entering the property market. We discuss the true cost of homeownership, the role of banks, and offer advice for smarter financial decisions. #FirstHomeBuyer #PropertyMarket #Australia #HousingAffordability #RealEstate #Finance 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

Considering retiring before age 60 but unsure whether it’s financially sustainable?   In this episode, Rob Goudie and Ashley Rowan discuss key considerations for those looking to retire before accessing superannuation. Using a real client scenario, they outline approaches to managing the gap to age 60, including tax timing and more conservative income strategies such as cash and term deposits.   They also explore the role of financial modelling in assessing sustainability, the potential impact of delaying retirement, and the importance of balancing lifestyle objectives with long-term financial security, including future aged care considerations.   This podcast contains general advice only and does not take into account your objectives, financial situation or needs. You should consider whether the information is appropriate to your circumstances and seek professional advice where appropriate.   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 moving closer to family but worried about the financial risks? In this episode, Rob Goudie chats with Rachel about a real client case study and how to make a big move without taking on unnecessary debt. We talk about why rushing into property decisions can end up costing more than you expect, the hidden impact of debt on cash flow, retirement savings and lifestyle goals, and why renting first can be a smart way to test a new location. We also cover strategies for maximising super contributions and maintaining financial flexibility in your 50s. If you’re thinking about buying, moving, or upgrading your home, this episode gives practical advice to help you make calm, confident financial decisions. 🔔 Subscribe for more tips on investing, wealth planning, and financial confidence. #InvestorMotivation #PropertyAdvice #FinancialPlanning #DebtFreeLiving #retirementplanning 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. 

What should a 25-year-old do with a $2–3 million inheritance? In this episode, we break down a real-life case study of a young couple receiving a large early inheritance and the smartest ways to use it for long-term financial security and lifestyle balance. We talk about whether it’s better to buy a home outright or take on a mortgage, and why learning to manage debt and cash flow still matters even when you have significant wealth. The conversation explores how to avoid lifestyle inflation, how to invest wisely across different assets, and why diversification is key. We also dive into more advanced strategies like structuring investments through trusts, understanding tax implications, and how to make your money work for you over time. On top of that, we unpack the risks behind common property advice online, including overleveraging and relying too heavily on debt-driven strategies. This episode is ideal for young adults receiving an inheritance, parents thinking about passing down wealth, and anyone who wants to build long-term financial freedom with intention and discipline. 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. 

Are you making financial decisions you might regret later? In this episode, Rob Goudie and Rachel Todman dive into the most common (and costly) money mistakes people make, often without realizing it until it’s too late. From upgrading homes and taking on too much debt, to panic-selling investments and ignoring long-term planning, this conversation breaks down real-life scenarios they see every day, and how you can avoid them. This is not about judging decisions, it’s about helping you make smarter, more confident financial choices.  Whether you're investing, buying a home, or planning your future, this episode will help you pause, think, and avoid costly regrets.   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. 

When headlines are filled with wars, rising fuel prices, and global uncertainty, it’s easy for investors to feel anxious and question whether they should be making changes to their portfolio. In this episode, Rob Goudie and Amy Lehman discuss how global headlines can influence investor sentiment, and why markets don’t always react the way the news suggests. With rising fuel prices and increasing global uncertainty, many investors feel pressure to make changes to their portfolios. But does negative news always mean markets will fall? Rob and Amy explore the relationship between media headlines, market volatility, and investor behaviour, and explain why focusing on long-term fundamentals can help investors avoid emotional decisions. This discussion provides general insights into how markets behave during uncertain periods and why maintaining a long-term perspective can be important for investors. 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

Are you contributing to super but unsure if you’re making the most of the contribution caps? Many Australians continue their regular contributions without reviewing how annual cap changes may affect their strategy. In this episode, Rob and Ash discuss the potential superannuation contribution cap changes for the 2026–27 financial year, including concessional and non-concessional limits. They explain how these caps work, touch on strategies such as salary sacrifice and the bring-forward rule, and outline the role superannuation plays as a tax structure in long-term retirement planning.   #superannuation #australianfinance #retirementplanning #investormotivation   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

Feeling worn out at work and thinking about retirement? Wondering if your super will be enough and how you’ll manage your income when you stop working? In this episode, Rob Goudie and Ash Rowan talk through these common concerns in a clear and supportive way. They share practical ideas to help you move into retirement with more confidence, even if work has been challenging or your financial future feels uncertain. You’ll learn how to make the most of your leave entitlements and superannuation to create a steady income, better understand pension options and Age Pension eligibility, and plan for a retirement that supports both your finances and your lifestyle. Tune in to gain clarity and start building a simple, practical plan for a more relaxed and secure retirement. 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

Feeling overwhelmed by HECS debt and the dream of owning a home? Rob Goudie and Ash Rowan tackle this crucial financial question. Ash shares his personal journey of clearing HECS debt and the psychological impact it had. Rob offers his insights into why a substantial house deposit might be a smarter move in today's market. Join the conversation as we explore the trade-offs, the impact on your financial future, and how to make the best decision for your situation.   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

What really happens to your Age Pension, Centrelink benefits, and aged care fees when one partner passes away? Rob Goudie and Ash Rowan explore a real-life case study revealing one of Australia’s most overlooked retirement planning traps, the financial shock many widows and widowers face. They discuss how Age Pension and Centrelink rules change when moving from a couple to a single, why pensions are often reduced or lost, and how estate planning and smart asset structuring can help protect the surviving partner. ⚠️ Many Australians assume expenses are halved after losing a partner, but they usually aren’t. Combined with Centrelink rules, this can cause serious financial stress if not planned for early. 👉 If you or your parents are approaching retirement, this episode could help protect tens of thousands of dollars in retirement benefits. 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

What happens to your retirement plans when life suddenly changes? In this episode, Rob Goudie is joined by financial adviser Ashley Rowan to discuss real-life retirement planning case studies and the emotional side of financial advice. They explore how major life changes, such as separation, retirement, and the loss of a partner, impact financial decisions, and how the right strategies can create clarity, confidence, and long-term security. This episode focuses on helping people feel more confident and less stressed about their financial 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

Scams are everywhere—and they’re getting smarter. In this episode, Rob Goudie is joined by Rachel Todman to discuss the growing threat of scams, especially during the Christmas period when urgency and distraction are high. They share real-world experiences, discuss why even intelligent and cautious people fall victim to scams, and explain how criminals use pressure, fear, and trust to manipulate their targets. The conversation also covers investment scams, phishing emails, fake text messages, social media impersonation, and why recovering money is often difficult once it’s gone. This episode highlights the importance of slowing down, verifying information through official channels, and speaking up if something doesn’t feel right. Scams can happen to anyone—and awareness is the strongest form of protection. 📌 Key takeaway: It’s not about being smarter—it’s about slowing down.   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. 

Thinking about setting up a Self-Managed Super Fund? Before you do, this episode could save you years of costly mistakes. In this episode, Amy Lehmann and Rob Goudie break down Self-Managed Superannuation Funds (SMSFs) who they’re for, when they make sense, and when they don’t. SMSFs are often promoted as a powerful strategy, especially for property, but they’re not suitable for everyone. They discuss the real benefits, key risks, tax and fee considerations, and common mistakes people make when setting one up. 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 , Rob Goudie is joined by long-term advisor and partner Ash to discuss real-world aged care case studies and the financial decisions that impact families. They unpack common issues they see each year, including family disputes, inheritance misunderstandings, powers of attorney, and how aged care funding decisions affect overall wellbeing. They also share practical insights on aged pension and aged care applications, why communication with family matters, and when professional advice can help prevent costly and stressful outcomes.    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 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 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. 

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. 

Wondering if a trust is the right move for your investments? In this episode, Amy Lehmann and Robert Goudie break down when (and why) it might be time to set up a trust for investing. Whether you’re a doctor, entrepreneur, or just starting to build serious wealth, this episode will help you understand: ✅ What a trust is and how it works ✅ When it’s the right time to set up a family discretionary trust ✅ The difference between trusts, companies and superannuation structures ✅ How trusts can help with tax planning and inheritance ✅ The role of bucket companies and testamentary trusts ✅ Common mistakes and what to watch out for From tax benefits to estate planning flexibility, we unpack the pros, cons, and real-life use cases to help you make informed decisions. 📅 Perfect for: – Professionals – Business owners – Families planning for the future – Anyone interested in smarter wealth-building 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. 

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. 

Everyone wants to build wealth, but with so much financial noise—crypto schemes, margin lending, and “trade your way to riches” promises—it’s easy to get lost in the hype. The truth? Wealth isn’t built overnight. In this episode, we break down the simple yet powerful approach to achieving financial independence: spending less than you earn, investing consistently, managing debt wisely, and making smart tax decisions. We also discuss the pitfalls of get-rich-quick schemes and how to avoid financial advice riddled with conflicts of interest. If you’re looking for a proven strategy to secure your financial future—without unnecessary risk or complexity—this episode 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. 

Not all financial advice businesses invest the same way. In this episode, we explore how Consortium Private Wealth has developed its unique investment approach over the past 25+ years. Rob and Amy share how their focus on long-term strategy, diversification, and client education helps ensure investments align with financial goals—not short-term market trends. Tune in to learn what sets Consortium apart and how their philosophy supports lasting wealth creation.   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, we explore HUB24 (ASX: HUB), a $5.9 billion diversified financial services business known for its cutting-edge platform solutions and cloud-based technology. With a 7.5% share of the Australian platform market, HUB24 is a rising competitor against larger providers averaging 14% each. We discuss HUB24’s impressive growth, including a staggering 6,319% return over 10 years and an 875% increase in dividends since 2019. With a strong balance sheet and a debt-to-equity ratio of just 5.8%, the company is well-positioned for continued expansion, including recent acquisitions like myprosperity. Tune in to hear financial insights, analyst valuations, and key takeaways on HUB24’s economic moat, financial health, and future performance, along with the latest news and leadership highlights.   Please Note: This is not a buy, nor sell, recommendation. This is general information only.   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, we analyse CSL Limited (ASX: CSL), a $134 billion market cap biotechnology company specialising in plasma-derived therapies, vaccines, and rare disease treatments. Operating in over 100 countries with 25,000 employees, CSL is a global leader in life-saving medical innovations through its core businesses, including CSL Behring, CSL Plasma, CSL Seqirus, and CSL Vifor. We explore its strong economic moat, financial health, and growth performance, including a 226% increase in dividends over the past decade. Despite recent share price dips, analysts view it as potentially undervalued by 20%. Tune in as we discuss CSL’s long-term prospects, past returns (up 249% over 10 years), future earnings growth potential, and insights into its recent acquisitions and latest announcements.   Please Note: This is not a buy, nor sell, recommendation. This is general information only.   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.   

A Deep Dive into a Global Plumbing Leader: In this episode, we explore Reece Limited (ASX:REH), a $14.8 billion market cap company that has grown into a global leader in plumbing, waterworks, and heating and cooling products. Operating across Australia, New Zealand, and the United States with over 900 branches, Reece supplies a wide range of products to both commercial and residential customers. We discuss its history, economic moat, financial health, and growth performance, including how $10,000 invested in 2014 would now be worth $35,784 (growth only). Plus, we analyse key metrics like its debt-to-equity ratio, dividend payout, and insider activity. Tune in to learn what makes this 100-year-old company a standout in the industry!     Please Note: This is not a buy, nor sell, recommendation. This is general information only.   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, Rob and Amy draw inspiration from the insightful article Nine Bad Habits of Ineffective Investors: Common Mistakes Investors Make by Dr. Shane Oliver, Head of Investment Strategy and Chief Economist at AMP. They explore why seemingly logical actions often lead to poor investment outcomes, and discuss why habits like following the crowd, over-relying on past performance, and frequently checking your portfolio can derail your financial goals. Rob and Amy share practical strategies for avoiding these mistakes and emphasise the importance of a long-term investment plan that aligns with your financial goals and risk tolerance.  Tune in to sharpen your investment strategy and steer clear of costly missteps.   Article referenced in recording: Nine bad habits of ineffective investors: common mistakes investors make Dr Shane Oliver Head of Investment Strategy and Chief Economist, AMP https://www.amp.com.au/content/dam/amp-au/documents/insights/mistakes-oi-30-2024.pdf   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 the fourth episode of our new series on the Investment Motivation podcast, Rob Goudie and Rachael Todman take a deep dive into LVMH, the world's leading luxury goods company. They explore what makes LVMH unique, from its diverse portfolio of iconic brands like Louis Vuitton and Moët & Chandon to its recent financial performance, growth prospects, dividend policies, and analyst valuations. Rob and Rachael also highlight the ownership structure, led by Bernard Arnault and his family's significant stake, and provide insights into the latest news impacting the luxury giant. Don’t miss this comprehensive breakdown of what drives LVMH's market success and potential future challenges.   Please Note: This is not a buy, nor sell, recommendation. This is general information only.   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 the Investment Motivation podcast, Rob Goudie and Amy Lehmann break down retirement planning for a non-homeowner couple with $650,000 in savings. They explore spending strategies, tax structures, and essential planning steps to ensure both partners’ financial security. Also included is pension eligibility, strategies for optimising the assets test, and ways to maximise super contributions and income. Join Rob & Amy as they guide you through practical options to make $650,000 stretch further in retirement.   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 third episode of our new series on the Investment Motivation podcast, Rob and Rachael take a deep dive into ASML Holding (originally standing for Advanced Semiconductor Materials Lithography), a leader in semiconductor manufacturing equipment. They explore ASML's business model, its dominance in EUV lithography, financial health, and growth prospects. With insights into past performance, future earnings projections, and analyst recommendations, this episode covers everything investors need to know about ASML's position in the global tech market.   Please Note: This is not a buy, nor sell, recommendation. This is general information only.   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 the second episode of our new series on the Investment Motivation podcast, Rob Goudie and Rachael Todman analyse Lovisa Holdings (ASX: LOV), a fast-growing fashion jewellery retailer. With over 900 stores worldwide and a focus on affordable, trendy accessories, Lovisa has become a $3.9 billion company. Tune in as they discuss Lovisa’s rapid global expansion, strong brand presence, financial performance, and investment potential, while also examining the risks and rewards for investors in this competitive sector. Please Note: This is not a buy, nor sell, recommendation. This is general information only.   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, Rob and Amy explore the risks of investing in small cap stocks. While these companies offer the potential for significant long-term growth, they also come with higher volatility. Tune in as they discuss the sectors that may carry more risk and the challenge of 'trying to find a rocket under a rock' in the small cap space.   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 first episode of a new series on the Investment Motivation podcast, Rob Goudie and Rachael Todman dive into all things Microsoft from an investment standpoint. They explore 9 key aspects of this tech giant's business, from its diverse product range to its cloud dominance, analysing what makes Microsoft a leader in innovation. With discussions on its financials, investment potential, and why it remains a top choice for investors, this episode offers valuable insights into one of the most influential companies in the world. Please Note: This is not a buy, nor sell, recommendation. This is general information only.   Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

In this episode, Rob and Amy reflect on past investment failures, exploring what went wrong and the lessons learned. They share insights on how to spot potential pitfalls and avoid repeating the same mistakes in your own future investments.   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.