Weaving Gold | A Money Podcast

Nathan Fradley, Jordan Vaka
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A podcast about retiring well, aged care, and navigating life's big transitions. Life is a tapestry—woven from every decision, every relationship, every moment. Weaving Gold is here to help you untangle the financial threads, so you can spend more time focusing on what matters. Hosted by independent financial planners Nathan Fradley and Jordan Vaka, this podcast is your companion through some of life's most complex chapters—whether you're planning retirement, supporting aging parents, facing separation, or grieving the loss of a loved one. Each week, we unpack real-life questions in plain language, covering topics like aged care, estate planning, superannuation, downsizing, and the emotional side of financial decision-making. Bite-sized episodes. Practical insights. No jargon. Just help, when and where you need it most. You can find more of our episodes where you've listened to this one, or on our website - www.weavinggoldpodcast.com where you can also get in touch.

  1. 1D AGO

    066 If you sell your house, does that money impact the pension?

    You have sold your home and now have the proceeds sitting in the bank while you look for your next property. But what does that mean for your Age Pension, tax, and where you should park the money safely? In this episode, Nathan and Jordan answer a listeners question, unpacking The rules around Home Sale Proceeds for the Aged Pension including how the assets and income tests apply What to do with the money while you look for a new home And what else to watch out for! If you are between homes or planning to downsize, this episode will help you make smart, low stress decisions.

    17 min

  2. 3D AGO

    Should You Close Your Mortgage After You Pay It Off

    You have finally paid off your mortgage. There is just a small balance left. Now the question is, do you close it or keep it open? In this episode, Nathan and Jordan unpack the emotional and financial sides of this common dilemma. They explore redraw facilities, offset accounts, retirement considerations, helping adult children, medical emergencies and how banks frame the decision. The real issue is not just whether you can keep the mortgage open. It is whether you should, and what your plan would be if you ever redrew the money. If you are approaching retirement or celebrating becoming debt free, this episode will help you think it through clearly and confidently. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au   The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

    16 min

  3. FEB 11

    064 Major Financial Events that Trigger Divorce

    When a large sum of money enters a relationship, it can change more than just the bank balance. In this episode, Nathan and Jordan explore a pattern they often see in separation and divorce cases. Financial independence, particularly through inheritance, insurance payouts or business sales, can become the catalyst for long-standing relationship tensions to surface. They unpack why feeling financially disempowered can keep someone stuck in an unhappy marriage, how windfalls shift the power dynamic, and the emotional weight that comes with inheritances and disability payments. They also explain why "protecting" an inheritance during separation is rarely straightforward and why every property settlement is deeply contextual. Importantly, they discuss how financial relief can sometimes repair a relationship rather than end it. If you are navigating separation, expecting an inheritance, or simply feeling financially trapped, this episode offers thoughtful insights to help you think clearly during an emotionally charged time. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au   The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

    21 min

  4. FEB 9

    Protecting Yourself From Financial Scams and Cyber Crime

    Financial scams are becoming more sophisticated, more personal, and more damaging than ever before. In this episode, Nathan and Jordan talk through the emotional impact of being scammed, why shame and embarrassment stop people speaking up, and the most common scams they are seeing right now. They explain how financial scams really work, how to spot red flags early, and practical steps you can take to protect yourself and your family online. Scamwatch https://www.scamwatch.gov.au/   Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au   The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

    23 min

  5. FEB 4

    What to know When moving Aged Care facilities

    In this shorter episode, a listener asks whether it makes sense to move their Mum from one aged care facility to another after a preferred room becomes available.  Nathan and Jordan walk through the emotional, practical and financial considerations of changing facilities, including new agreements, RAD transfers, interest rate resets, reassessments with Services Australia and how pre November aged care rules are treated when a move occurs. This episode helps families avoid costly surprises when considering a move for a loved one already in care. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au   The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

    9 min

  6. FEB 2

    Should You Move Super to Your Spouse to Increase the Age Pension?

    Can shifting superannuation between spouses increase your Age Pension entitlement? In this episode, Nathan and Jordan unpack a common listener question about moving super into a younger spouse's account to reduce assessable assets.  They explain how the Age Pension asset test works, when this strategy can be effective, and the trade-offs around tax, access to funds, Centrelink reporting, and long-term retirement planning. This is a general discussion only and highlights why personalised advice matters when making major retirement decisions.   Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au   The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

    17 min

  7. JAN 26

    Can You Charge Rent In A Granny Flat Arrangement?

    Many families consider buying a property for an ageing parent to live in under a granny flat arrangement. This episode covers a question from a listener over whether you can charge rent as part of a Granny Flat Arrangement. Nathan and Jordan unpack the difference between what is allowed under Centrelink rules and how the ATO views these arrangements. They explain why charging rent can accidentally turn a family agreement into a commercial arrangement and trigger unexpected tax bills. This episode is essential listening for anyone thinking about property, pensions, and supporting parents later in life. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au   The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

    15 min

  8. JAN 21

    Conversations for Granny Flat Agreements

    Granny flat agreements are about far more than buildings or money. They are about expectations, care, fairness and protecting family relationships. In this episode, Nathan and Jordan unpack the key considerations families should discuss before entering a granny flat or co-living arrangement. From personal care expectations and household costs to estate planning, divorce risks and dispute resolution, this conversation helps families think through what sits beneath the surface before formalising any agreement. NOTE: Nathan's mic misbehaved so we apologise for his audio this week.  Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au   The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

    19 min
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About

A podcast about retiring well, aged care, and navigating life's big transitions. Life is a tapestry—woven from every decision, every relationship, every moment. Weaving Gold is here to help you untangle the financial threads, so you can spend more time focusing on what matters. Hosted by independent financial planners Nathan Fradley and Jordan Vaka, this podcast is your companion through some of life's most complex chapters—whether you're planning retirement, supporting aging parents, facing separation, or grieving the loss of a loved one. Each week, we unpack real-life questions in plain language, covering topics like aged care, estate planning, superannuation, downsizing, and the emotional side of financial decision-making. Bite-sized episodes. Practical insights. No jargon. Just help, when and where you need it most. You can find more of our episodes where you've listened to this one, or on our website - www.weavinggoldpodcast.com where you can also get in touch.

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