360 Money Matters Billy Amiridis

Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, we discuss how important buy-sell agreements are for partners in businesses. We emphasize that these agreements are essential for settling potential disputes about the transfer of shares in the event that one partner dies or becomes unable to work. This includes legal issues, appraisal techniques, funding sources, insurance coverage, tax ramifications, and review procedures. To ensure appropriate planning and implementation, we stress the importance of raising awareness about this crucial facet of business ownership and advise obtaining professional counsel.
Explore the crucial world of buy-sell agreements with us and learn how they can safeguard your business. Don't miss out on essential insights into legalities, appraisal techniques, funding, insurance, taxes, and more!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
About buy-sell agreements
Legal and financial aspects of buy-sell agreements
Steps and considerations for implementing a buy-sell agreement
Importance of reviewing and updating the agreement over time
Barriers and complexities associated with buy-sell agreements
 
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360 Financial Strategists 
 
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Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, we discussed the transition to retirement strategy. Originally designed to be able to allow people to access their superannuation whilst not fully retired. However for those over 60 and still working, utlising this to save money on tax can be a very effective strategy.
Additionally, since many people are not aware of these options, we emphasized the essential role of having a financial advisor to maximize your chances. When comparing this investment method to other strategies, such as negative gearing properties, we emphasized the substantial and guaranteed tax savings it offers.
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
The concept of transition to retirement strategy
Overview of superannuation
Transitioning into retirement
Use of transition to retirement strategies to capitalize on tax arbitrage and enhance wealth
The tax benefits of the transition to retirement strategy
Limitations and parameters of this strategy
Benefits of the strategy
Why people aren't utilizing the transition to retirement strategy
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
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Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, we explore the utilization of superannuation to purchase property within a self-managed superannuation fund. We place strong emphasis on the importance of diversification when investing in property through superannuation funds. Placing all retirement income into a single asset class exposes individuals to significant risks, underlining the need for diversification within their portfolio. Additionally, we discuss the benefits of leveraging, such as the potential for increased profits, and the tax advantages associated with selling properties in the pension phase to avoid capital gains tax. 
However, we also caution that careful consideration must be given to factors such as cash flow, additional contributions, borrowing costs, and other expenses before pursuing this strategy. We also touch upon alternative options, such as retail or industry superannuation funds, for the purpose of comparison.
Ready to explore the world of property investment through your superannuation fund? Tune in to our episode for valuable insights and considerations. 
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
Using super funds to buy property and the considerations involved
Benefits and consequences of direct property 
Complexity and cost involved
Importance of diversification when investing
Tax benefits and leveraging opportunities
Considering cash flow and other fees and costs
Importance of seeking professional advice
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
Check out our latest episode here: 
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Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, we are joined by our guest, Bruce Williams, a portfolio manager and co-founder of Elston. We explore various topics related to the economy, inflation, interest rates, and their impact on different demographics. Bruce explains that inflation is proving to be stickier than expected, and he suggests that interest rates may not decrease as quickly as initially anticipated. He also addresses the demographic divide in terms of spending habits and how it affects both savers and borrowers.
Additionally, Bruce discusses the pivotal role of the Reserve Bank of Australia (RBA) in interest rate management and inflation control. He delves into the challenges the economy faces, including escalating business costs and restricted discretionary spending for consumers, which may lead to potential turbulence. Bruce also raises the possibility of a weaker labor market contributing to a mild economic recession.
Stay informed about potential economic turbulence and be prepared for challenges ahead. Tune in now and stay ahead of the economic curve!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
The current state of the economy
Significance of a demographic divide in the economy
Potential for interest rate changes and their impact on the economy and individuals
Role of market expectations in driving changes in interest rates
Economic outlook and soft landing
Portfolio construction and Bruce’s team approach to positioning portfolios
Bruce’s perspective on different regions and asset classes
 
About Bruce Williams:
Bruce is a Portfolio Manager, Executive Director and co-founder of Elston. His role includes portfolio construction and management, supervision, development and feedback on the research process. With many years of experience in the investment management industry locally and overseas, Bruce is highly valued as a mentor for Elston Analysts
 
Connect with Bruce:
Website | www.elston.com.au
Linked In | au.linkedin.com/in/bruce-williams
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
Check out our latest episode here: 
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Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, we talked about retirement. We stress that, unlike an abrupt event, retirement is a transition, with most people progressively cutting back on their work hours before officially retiring. The sum of money required for retirement varies depending on your lifestyle and circumstances. We have some ‘rules of thumb’ that you can use to guess how much money you will need to help support this.
 
Additionally, the significance of building wealth during the working years is touched upon, and this refers to various forms of assets that might provide income, such as superannuation funds or properties. Overall, we emphasize the need of taking individual goals and circumstances into account when making retirement income plans.
Ready to plan your retirement? Take a proactive step towards securing your financial future. Start by assessing your goals and creating a personalized retirement plan today!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
About retirement 
Importance of retirement income
Factors influencing retirement income needs
Planning for retirement income 
Benefits of starting retirement planning early
Defining comfortable income goals
Retirement planning considerations
Debt elimination strategies
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment.
In this episode, we are going to talk about economic data that has come out. We start off with conflicting economic data coming out of the US and how it has affected the stock market. We’ll also talk about the Chinese property market as well as rising oil prices and the resulting impact on the broader economy..
Additionally, the Reserve Bank of Australia (RBA) has not made any changes to interest rates due to uncertainties surrounding inflation trends and economic recovery. The share market is expected to experience volatility, Australia's tight labor market is expected to continue and retail data shows a slight increase but is likely to turn negative due to rising interest rates and living costs. 
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
Conflicting economic data
S&P 500 performance
China's economic situation
Impact of OPEC's supply control on global inflation
ASX market movements
Retail sales leading up to Christmas spending
Labor market
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
Check out our latest episode here: 
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