The Wealthlab Podcast (Aust)

Wealthlab Australia

Phil and Scott discuss with world of financial planning, superannuation and how we think about growing and protecting your money.

  1. Should You Pay Off Your Mortgage With Super at 60?

    3 DAYS AGO

    Should You Pay Off Your Mortgage With Super at 60?

    Should you use your super to pay off your mortgage when you turn 60? It’s one of the most common retirement questions Australians ask and the answer isn’t as simple as many people think. In this episode, Scott and Phil unpack the debate around entering retirement with debt. While many Australians are taught to eliminate their mortgage as quickly as possible, the numbers can sometimes tell a different story when superannuation, tax efficiency and long-term investment returns are considered. You’ll learn: - Why many Australians plan to use their super to clear their mortgage at 60 - How investment returns inside super can sometimes outperform mortgage interest - The emotional vs mathematical decision of carrying debt into retirement - Why prioritising super contributions over extra mortgage repayments can be tax-efficient - The risks of entering retirement with too much debt and not enough super This episode is for Australians approaching retirement who still have a mortgage or other debt. Understanding how super, investment returns and tax interact with your debt strategy can help you make smarter decisions and build more confidence heading into retirement. bout Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    16 min
  2. This Super Rule Change Could Trigger Extra Tax

    5 MAR

    This Super Rule Change Could Trigger Extra Tax

    Several important superannuation changes are coming in the new financial year and if you’re contributing to super or nearing retirement, they could affect your strategy. From higher contribution caps to the new payday super rules, it’s important to understand how these changes may impact your tax position and long-term retirement planning. In this episode, Scott and Phil unpack the latest updates following the release of Australia’s average wage figures and what they mean for superannuation limits. They also discuss potential tax changes being debated in Parliament and some of the hidden traps Australians should watch out for when managing their super contributions. You’ll learn: - How the concessional contribution cap is increasing from $30,000 to $32,500 - Why the non-concessional cap will likely increase from $120,000 to $130,000 - What the new “payday super” rule means and how it could accidentally push you over contribution caps - How high income earners could be affected by Div 293 tax when contribution timing changes - Why triggering the bring-forward rule accidentally can limit your future super contributions This episode is for Australians who are actively contributing to super or planning retirement in the next decade. Understanding these rule changes early can help you avoid costly mistakes, optimise tax outcomes, and ensure your super strategy stays aligned with the latest regulation About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    19 min
  3. The Superannuation Tax Strategy Most Australians Underuse

    26 FEB

    The Superannuation Tax Strategy Most Australians Underuse

    If you’re in your 50s or early 60s, the next 5–10 years will shape what retirement actually feels like. And one of the biggest levers you have isn’t picking better investments. It’s using superannuation properly. In this episode, Scott and Phil break down why super is one of the most tax-effective structures available in Australia. They walk through how concessional contributions work, how the carry forward rule can dramatically reduce tax, and the common traps that can trip people up in their final accumulation years. You’ll learn: - Why super is taxed at 15% in accumulation and 0% in pension phase and why that matters - What a concessional contribution actually is (and how employer super counts toward the cap) - How the $30,000 annual cap works and how to avoid breaching it - How the carry forward rule can reduce capital gains tax or large income spikes - What Div 293 tax is and when high-income earners need to be careful This episode is ideal for Australians aged 55+ who are in their peak earning years and want to maximise retirement outcomes through smarter structure, not speculation. If you want to legally reduce tax, boost super, and make the most of the final stretch before retirement, this is essential listening. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    15 min
  4. The Psychology of Money

    19 FEB

    The Psychology of Money

    If you’re over 55, your biggest financial risk isn’t the share market or interest rates, it’s your behaviour. At this stage of life, retirement success is less about chasing returns and more about managing your mindset, your spending patterns, and your investment decisions. In this solo episode, Scott explores the psychology of money and how it impacts Australians approaching or entering retirement. With average super balances often sitting below what’s needed for a fully self-funded retirement, the difference between confidence and stress often comes down to behaviour, not just numbers. You’ll learn: - Why behaviour becomes more important than growth once you move from accumulation to retirement - How inherited “money scripts” can quietly influence your spending, investing and retirement confidence - The difference between scarcity thinking and structured asset allocation - Why holding too much cash can erode purchasing power over time - How to think about converting super into sustainable income, not just preserving capital About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    10 min
  5. Is “Free” Super Fund Advice Really in Your Best Interest?

    12 FEB

    Is “Free” Super Fund Advice Really in Your Best Interest?

    Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / Your super fund might be offering “free financial advice” but what if that advice quietly costs you over $100,000 in retirement income? In this episode, we unpack a real case where limited advice inside a super fund led to a costly Age Pension mistake. You’ll learn: - What “intra-fund” advice actually covers — and what it legally cannot advise on - Why retirement planning requires considering both partners, not just one super account - How moving super into pension phase at the wrong time can reduce Age Pension eligibility - Why money held in accumulation phase may be exempt from Centrelink assessment (if one spouse is under Age Pension age) - How missing broader advice can cost six figures in Age Pension payments over time About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    18 min
  6. How the Age Pension Really Works (With Real Case Studies)

    5 FEB

    How the Age Pension Really Works (With Real Case Studies)

    Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / Superannuation, the Age Pension and tax rules can feel like a minefield and one wrong move can cost you tens of thousands of dollars. In this episode, we walk through real-life case studies that show how small timing and structure decisions can dramatically change your tax bill and pension outcome. You’ll learn: - How delaying the sale of an investment property by weeks or months can significantly reduce capital gains tax - Why selling assets in your last year of work is often far more expensive than selling after retirement - How catch-up concessional super contributions can be used to legally reduce tax on large capital gains - How Centrelink’s assets test and income test really work for couples approaching the Age Pension age - Why income drawn from super does not count as income for the Age Pension, and how deeming actually applies About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/

    23 min
  7. Market Chaos, Rising Rates & Why Smart Investors Don’t Panic (2026 Market Outlook)

    29 JAN

    Market Chaos, Rising Rates & Why Smart Investors Don’t Panic (2026 Market Outlook)

    Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / Markets are volatile, interest rates may be rising, and the news feels chaotic but what does that actually mean for your retirement plans? In this episode, we unpack why reacting to headlines can quietly damage your super and long-term income, especially in the years leading into retirement. You’ll learn: Why trying to “time the market” often reduces long-term returns, even if you avoid some downturnsHow missing just a handful of strong market days can significantly shrink your retirement balanceWhat rising interest rates can mean for conservative portfolios, cash holdings, and bondsHow to think about superannuation as purpose-driven buckets, not one single pool of money About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/

    18 min
  8. Super vs Inheritance: How Death and Gifting Impact Your Pension

    22 JAN

    Super vs Inheritance: How Death and Gifting Impact Your Pension

    Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / What actually happens to your superannuation when you pass away, and how can gifting money to kids impact your age pension? In this episode, we unpack the often misunderstood intersection between super, inheritance planning, and Centrelink pension eligibility. You’ll learn: - How super is treated after death, and who really gets it - What the “gifting rules” mean for retirees helping out family - Why giving away money too soon could reduce your pension - How to plan smarter with re-contributions, beneficiary nominations & estate strategies Whether you’re already retired, planning to downsize, or thinking about family wealth transfer, this episode will help you avoid costly mistakes and protect both your legacy and your income. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/

    20 min
See All (13)

Ratings & Reviews

4.7
out of 5
15 Ratings

About

Phil and Scott discuss with world of financial planning, superannuation and how we think about growing and protecting your money.

Information

  • Creator
    Wealthlab Australia
  • Years Active
    2020 - 2026
  • Episodes
    13
  • Rating
    Explicit
  • Copyright
    © 2025 Wealthlab Australia

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