Unlock Your Business podcast Raffi Pailagian

Episode 10 – Asset Ownership For Higher Income Earners: Tip's & Trap's
 In this episode we focus on the asset ownership options for higher income earners - Tip's and traps. We discuss the pros and cons of different methods of asset and investment ownership in relation to tax management, asset protection and flexibility.
I hope you enjoy this discussion, and I hope there's something there that's useful for you and your family.
Please share this episode with anyone that you think could benefit from this discussion. And please like and subscribe to this podcast on whichever platform that you listen to your podcasts. Thank you, and I hope you enjoy the episode.
This podcast is brought to you by financial planning firm Manly Financial Services.

Episode 9 – Super Death Benefits Tax can Cost Your Dependents Thousands of $$'s
In Ep 9 we focus on the largely unknown Super Death Benefits Tax.
When clients enter retirement and start drawing a pension, they can easily think that the era of taxes are largely behind them as their pension income, earnings and capital gains are tax-free. However, this is not necessarily the case as their dependent adult children will incur Super Death Benefits Tax on the Taxable component of their super and pension accounts. This may not seem like an important consideration, but if you have accumulated a large part of your retirement savings from employer contributions, salary sacrifice or other tax-deductible contributions then this Taxable component can be sizeable and result in significant taxes for the next generation.
This episode explains what Super Death Benefits Tax is, how it works and the ways in which you can eliminate it for your adult children.
I hope you enjoy this discussion, and I hope there's something there that's useful for you and your family.
Please share this episode with anyone that you think could benefit from this discussion. And please like and subscribe to this podcast on whichever platform that you listen to your podcasts. Thank you, and I hope you enjoy the episode.
This podcast is brought to you by financial planning firm Manly Financial Services.

Episode 8 – Mental Health Awareness #3 - The Journey of Health & Fitness Coach Brad Mattioli Ep 8 is the last episode I'm recording before I leave for my trek summiting, Mt Meru and Mt Kilimanjaro in Tanzania. And the last episode that I'll be focusing on mental health. I will be recording some discussions on the mountain and I will try to release those in podcast form to tie in this whole discussion on mental health for business executives, business owners, and entrepreneurs.
Although it does seem like a full stop on this discussion, it in no way is as the way we deal with our emotions, thoughts, and difficulties in our lives to be the best version of ourselves really never ends. It's a journey and not a destination…. And my trek is just another stage of my journey.
From the outset the aim of these episodes was to discuss mental health from the perspective of a business manager and owner to hopefully prompt others in a similar situation, with similar pressures and stresses, to think about their own situation and how they can manage their mindset and reactions to difficult challenges that they face day to day.
In today's episode, my first in an interview style, I'm discussing health, mindset, nutrition, and business with my CrossFit coach, Brad Mattioli. We focus on his challenges in entering the fitness industry, his start as a CrossFit coach, the Covid period for a young business owner and coach trying to establish himself and his approach to challenges in life, plus with his clients as a CrossFit, fitness, nutrition, and sleep coach.
I hope you enjoy this discussion, and I hope there's something there that's useful for you to gravitate towards.
Please share this episode with anyone that you think could benefit from this discussion. And please like and subscribe to this podcast on whichever platform that you listen to your podcasts. Thank you, and I hope you enjoy the episode.
You can find Brad Mattioli @BradMattCoach on Instagram and Twitter
This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners.

Episode 7 – Mental Health Awareness #2 - Rules Of The Game

Ep 7 discusses a way that we can ensure that we stay on track without being derailed by our thoughts, emotions, and negative mindset. A way we can manage procrastination to achieve our goals without slipping into a negative mental state. 
 
The episode discusses the application of The Rules of The Game explained by Bedros Keuilian on the Bedros Keuilian Podcast Show (episode 001). Subscribe to Bedros' podcast wherever you consume your podcast content.
This series of podcasts aims at raising awareness and discussion for mental health issues faced by business owners, executives, and managers. In 2023 I am trekking to the summit of Mt Kilimanjaro – the highest mountain in Africa and one of the 7 Summits - and instead of raising money during this trek I am focusing my efforts on building on the conversation focusing on mental health issues and strategies.
At the end of the day, if all this does is spark a prolonged discussion or awareness then I have 100% achieved my goals with this series of episodes.

 
This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The author, guests or sponsors, Manly Financial Services Pty Ltd  and Value Investment Partners Pty, Ltd and the sponsors respective Australian Financial Services Licensees, Futuro Financial Services Pty Ltd (AFSL 238478) and JRP Securities Pty Ltd (AFSL 455657), have prepared this podcast for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not consider any person’s investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.
Although every effort has been made to verify the accuracy of the information contained in this document, the author, guests, sponsors and sponsors licensee’s, there respective officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.

 

Episode 6 – Mental Health Awareness #1 - My Trek

Ep 6 is the first of a series of episodes that will focus on or shine the light on mental health issues for business owners and executives. These episodes will also touch on my preparation for my next adventure in February 2023 trekking to the top of Mt Meru and Mt Kilimanjaro in Tanzania, the highest mountain on the African continent. I usually try to raise some money for charity during my trekking adventures, but in this environment, I thought it’d be best to instead focus on shining a light on an important issue that many people deal with every day. At the end of the day, if all this does is spark a prolonged discussion or awareness then I have 100% achieved my goals with this series of episodes.

 
This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The author, guests or sponsors, Manly Financial Services Pty Ltd  and Value Investment Partners Pty, Ltd and the sponsors respective Australian Financial Services Licensees, Futuro Financial Services Pty Ltd (AFSL 238478) and JRP Securities Pty Ltd (AFSL 455657), have prepared this podcast for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not consider any person’s investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.
Although every effort has been made to verify the accuracy of the information contained in this document, the author, guests, sponsors and sponsors licensee’s, there respective officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.

Episode 5 – Business Strategy in Challenging Times

Ep 5 is a discussion centred on managing your business and strategy in challenging and dynamic times. This episode comes some time after episode 4 and the reasons for this delay is discussed in relation to the challenges that have been faced by many in the Financial Planning community. I discuss these challenges in re to Government regulation change (once again) and the way you can assess whether to pursue a Defensive or Growth strategy with your business and how to navigate from there. We discuss charge-out rates for staff, work flow planning and a way technology can be used to leverage the business and its processes for scale and cost-efficiency.
This discussion can help any business consider how to proceed in a challenging and dynamic market place.  
 
This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The author, guests or sponsors, Manly Financial Services Pty Ltd  and Value Investment Partners Pty, Ltd and the sponsors respective Australian Financial Services Licensees, Futuro Financial Services Pty Ltd (AFSL 238478) and JRP Securities Pty Ltd (AFSL 455657), have prepared this podcast for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not consider any person’s investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.
Although every effort has been made to verify the accuracy of the information contained in this document, the author, guests, sponsors and sponsors licensee’s, there respective officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.