The Stash by Apex Advice

John Manserra CFP®
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The good stuff you need to know to organise, grow and spend your money with confidence. For life-loving professionals and tradies who want to make work a choice before they're 67. - Apex Advice Pty Ltd ABN 14 655 779 187 is a Corporate Authorised Representative (ASIC 1296045) of Paragem Pty Ltd ABN 16 108 571 875 AFSL 297276. Australian Credit Licence 389087. This content is general information only and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you and seek professional advice before making any financial decision

  1. Jul 27

    What Actually Happens When You Separate | Family Lawyer Skye Wylde on Property, Kids & Super

    Family lawyer Skye Wylde has spent 15 years in family law and has seen it all when it comes to separations and divorces. In our latest Q&A, Geelong Financial Adviser John Manserra chats to Skye to bust the myths, explain the process in plain English, and take a lot of the scary out of separation. In this episode: ✅Why divorce, property settlement and parenting arrangements are three separate things ✅Why the date of separation matters, and why it needs to be in writing ✅Housing arrangements and nesting as a new norm for parents ✅The deadline to divide up your assets, and why it's different for married and de facto couples ✅Consent orders vs binding financial agreements ✅Whether you still need a lawyer if you've agreed on everything amicably between yourselves ✅Why your super is on the table, and how it gets split ✅Five big separation myths, busted ✅The money mistake that costs people for years afterwards #apexadvice #geelongfinancialadviser #divorce #separation #familylawyergeelong 🔥Subscribe to The Stash newsletter by Apex Advice for more of the good stuff you need to know to organise, grow and spend your money with confidence → apexadvice.com.au/stash-newsletter/ CONTACT SKYE: Book a 45-minute no-obligation consult at: https://www.wyldefamilylaw.com.au/  Follow Skye on LinkedIn https://www.linkedin.com/in/skyewylde/  General Advice Disclaimer: this video is general in nature & does not take into account your relevant personal circumstances and should not be acted upon without obtaining personal advice prior.

    What Actually Happens When You Separate | Family Lawyer Skye Wylde on Property, Kids & Super

  2. May 26

    She's Back: The Economy Decoded | Diana Mousina from AMP on the Budget & Rates

    Budget's out. Rates are up. And the headlines are doing a stellar job of making everyone feel like the sky is falling.Diana Mousina, Deputy Chief Economist at AMP, is back for round two as a Q&A guest. She has a real knack for taking the yawn factor out of economics and sorting the facts from the fear. What you'll learn: ✅ The real state of the Aussie economy, and why there's less to fear than the headlines suggest  ✅ Why inflation is creeping back up, and what's actually driving it  ✅ Productivity explained properly, and why your living standards are tied to it  ✅ The federal budget in plain English: the capital gains and negative gearing changes  ✅ What those budget changes mean for building wealth and buying a home  ✅ Where interest rates are headed, and what needs to happen before they come down  ✅ The two or three economic indicators actually worth watching  ✅ What Diana would do if she were Treasurer for a week  ✅ How to handle a twitchy market without making a move you'll regret "Volatility is normal. If shares fall 10% it's too late to do anything by then, so don't take your money out."  - Diana Mousina #apexadvice #geelongfinancialadviser #economy 🔥Subscribe to The Stash newsletter by Apex Advice for more of the good stuff you need to know to organise, grow and spend your money with confidence → apexadvice.com.au/stash-newsletter/ More Info & Links:  Follow Diana on LinkedIn Econoinsights on Instagram Simplifying Investing Podcast Youtube 𝘐𝘮𝘱𝘰𝘳𝘵𝘢𝘯𝘵 𝘭𝘦𝘨𝘢𝘭 𝘴𝘵𝘶𝘧𝘧 👉 𝘛𝘩𝘦 𝘢𝘥𝘷𝘪𝘤𝘦 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯 𝘯𝘢𝘵𝘶𝘳𝘦 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳 𝘺𝘰𝘶𝘳 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴. 𝘙𝘦𝘢𝘤𝘩 𝘰𝘶𝘵 𝘧𝘰𝘳 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘵𝘢𝘪𝘭𝘰𝘳𝘦𝘥 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯.

    She's Back: The Economy Decoded | Diana Mousina from AMP on the Budget & Rates

  3. Feb 26

    Why Most Property Investors Overpay Without Realising | Scott Aggett from Green Shoots Property on Negotiation, Data & Under Quoting

    Property is part of the great Australian dream. But the buying process is fuelled by emotion, driven by real estate agent tactics designed to work against you, and the cost of getting a property purchase wrong can change the trajectory of your financial future. In our latest Q&A, I sat down with Scott Aggett, Property Negotiator and Founder of Green Shoots Property. Scott Aggett, has been on both sides of the property deal across 30 years and 4,000+ property transactions. He started as a real estate agent, built premium agencies, created a global negotiation-as-a-service business, and now helps investors and homebuyers across Australia buy in high-growth suburbs early, avoid costly mistakes, and negotiate a better deal. HERE’S WHAT WE UNPACK: What is a 'green shoot' property, and the type of investor it suitsThe games real estate agents play and why the system is heavily stacked against buyersHow a buyer's agent can protect you from being stitched up and overpaying for a propertyThe art of negotiation: $25K saved in a 3-minute phone call Why auctions are the worst way to buy propertyThe data that actually moves the needle vs what investors focus on too much The most common mistakes home buyers and investors make going it aloneOff-the-plan trapsWhy asset structure and loan set-up matter before you buyThe power of compounding is the one thing Scott wishes every investor understood earlier Whether you're buying your first investment property or adding to an existing portfolio, this is essential viewing for anyone wanting to buy smarter and avoid the traps. #PropertyInvesting #GeelongFinancialAdviser #BuyersAgent #GreenShootsProperty #ApexAdvice #PropertyStrategy Follow Green Shoots Property  https://www.linkedin.com/in/scottaggett/ https://greenshootsproperty.com/  https://www.instagram.com/greenshootsproperty https://www.facebook.com/greenshootsproperty Apex Advice Subscribe to The Stash newsletter by Apex Advice for more of the good stuff you need to know to organise, grow and spend your money with confidence → apexadvice.com.au/stash-newsletter/ General Advice Disclaimer: this video is general in nature & does not take into account your relevant personal circumstances and should not be acted upon without obtaining personal advice prior.

    Why Most Property Investors Overpay Without Realising | Scott Aggett from Green Shoots Property on Negotiation, Data & Under Quoting

  4. 11/03/2025

    How to Win at the Airline Points Game | Steve Hui from iFlyFlat Reveals When Points Work

    Is the points game actually worth playing to get that business class seat when you factor in the annual fees, the transaction costs, and the time spent searching for reward seats? To unpack this black box, I sat down with Steve Hui from iFlyFlat – aka "the points whisperer." Steve breaks down how to beat the system so you come out on top, not behind: ✅ The biggest misconceptions about points ✅ Where people go wrong with strategy – not knowing what points are actually worth or how much they should be paying for reward seats ✅ How to find reward seats (it's one part luck, two parts grit) ✅ The difference between points upgrades and reward seats ✅ Steve's calculator breaking down the real numbers - points, fees, costs to fly business class half price ✅ Upcoming RBA changes around credit card surcharges that could make Visa and Mastercard points harder to accrue ✅ The 15 December deadline for AMEX holders – they're changing airline partner redemption rates ✅ How business owners can pay BAS, payroll, and supplier payments through credit cards to turn existing expenses into flights ✅ The real cost versus benefit breakdown – when points work for you, and when they work against you “Once you fly flat, you’ll never go back”- Steve Hui Links:Website: iflyflat.com.au Podcast:iflyflat.com.au/always-business-class-podcast/ Youtube: youtube.com/@AlwaysBusinessClass 🔥Subscribe to The Stash newsletter by Apex Advice for more of the good stuff you need to know to organise, grow and spend your money with confidence → apexadvice.com.au/stash-newsletter/ #apexadvice #geelongfinancialadviser #businessowners General Advice Disclaimer: this podcast is general in nature & does not take into account your relevant personal circumstances and should not be acted upon without obtaining personal advice prior.

    How to Win at the Airline Points Game | Steve Hui from iFlyFlat Reveals When Points Work

  5. 10/13/2025

    Why 85% of Your Thoughts Are Sabotaging You (And What To Do About It)

    You have around 60,000 thoughts per day. 85% of them are working against you. When your mind is racing about work pressures or big decisions, your brain isn't helping you solve problems - it's hijacking your ability to think clearly. In this conversation, John Manserra, Geelong Financial Adviser from Apex Advice sits down with Ben Williamson - Performance and Transition Coach from Mindset 365 - to break down why our brains sabotage us and what to actually do about it. Ben's worked in high-pressure environments from AFL broadcasting to Australian Border Force leadership. Now he helps everyday professionals, tradies, and athletes perform when it matters most - without burning out.This conversation gives you practical tools you can use immediately. What You'll Learn: ✅ Why your brain is wired for survival, not pleasure (and how that sabotages you daily) ✅ The "swim vs wrestle" approach to emotions that stops burnout before it starts ✅ The APE Framework - the only 3 things you actually control in high-pressure situations ✅ Why the "high achiever trap" leaves successful people secretly struggling ✅ The 4 pillars of resilience most people completely ignore ✅ The Driver's Seat Process - a 4-step technique to get your brain back online when stress hits More Info & Links: Mindset 365 Website www.mindset365.com.au Podcast: Response Responsibility by Mindset 365 LinkedIn: Ben Williamson 🔥Subscribe to The Stash newsletter by Apex Advice for more of the good stuff you need to know to organise, grow and spend your money with confidence → apexadvice.com.au/stash-newsletter/ 𝘐𝘮𝘱𝘰𝘳𝘵𝘢𝘯𝘵 𝘭𝘦𝘨𝘢𝘭 𝘴𝘵𝘶𝘧𝘧 👉 𝘛𝘩𝘦 𝘢𝘥𝘷𝘪𝘤𝘦 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯 𝘯𝘢𝘵𝘶𝘳𝘦 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳 𝘺𝘰𝘶𝘳 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴. 𝘙𝘦𝘢𝘤𝘩 𝘰𝘶𝘵 𝘧𝘰𝘳 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘵𝘢𝘪𝘭𝘰𝘳𝘦𝘥 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯.

    Why 85% of Your Thoughts Are Sabotaging You (And What To Do About It)

  6. 09/10/2025

    Cracking crypto: The 5% rule | Hugh Lam from BetaShares Talks Bitcoin, Blockchain & Beyond

    Crypto curious, completely confused or convinced you’ve missed the boat entirely? If you're in any of those camps, our latest Q&A with Hugh Lam, Investment Strategist at BetaShares, is essential viewing. Whether you're wondering if you've missed out or just trying to figure out what the hell a "cold wallet" actually means, this conversation covers everything you need to know. 🔥 What You'll Learn: ✅ Crypto 101: What it actually is (beyond the hype) ✅ Bitcoin vs Ethereum - why the differences matter ✅ Trump's GENIUS Act and why regulation is huge for crypto ✅ Hot wallets vs cold wallets explained simply ✅ Why crypto volatility is actually stabilising ✅ ETFs vs buying direct - pros and cons of each approach ✅ How much crypto should be in your portfolio (spoiler: not much) ✅ Who crypto definitely ISN'T suitable for ✅ Common mistakes that'll cost you big time "Is it too late to get into crypto? The short answer is no. A lot of these positive developments have only just happened in recent years." - Hugh Lam Whether you're 35 and building wealth or 55 and wondering about your options, this is essential viewing for anyone wanting to understand crypto without the BS. #cryptoexplained #GeelongFinancialAdviser #Bitcoin #CryptocurrencyInvesting #BetaShares #ApexAdvice 🔥Subscribe to The Stash newsletter by Apex Advice for more of the good stuff you need to know to organise, grow and spend your money with confidence → apexadvice.com.au/stash-newsletter/ 𝘐𝘮𝘱𝘰𝘳𝘵𝘢𝘯𝘵 𝘭𝘦𝘨𝘢𝘭 𝘴𝘵𝘶𝘧𝘧 👉 𝘛𝘩𝘦 𝘢𝘥𝘷𝘪𝘤𝘦 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯 𝘯𝘢𝘵𝘶𝘳𝘦 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳 𝘺𝘰𝘶𝘳 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴. 𝘙𝘦𝘢𝘤𝘩 𝘰𝘶𝘵 𝘧𝘰𝘳 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘵𝘢𝘪𝘭𝘰𝘳𝘦𝘥 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. More Info & Links: BetaShares Website: www.betashares.com.au Hugh's Profile: https://www.betashares.com.au/author/hughlam/ LinkedIn: https://www.linkedin.com/in/hughlam1/ Paper: https://apexadvice.com.au/wp-content/uploads/sites/137/2025/09/QBTC-Bitcoin-Whitepaper-Apex-Advice-Financial-Adviser-Geelong.pdf

    Cracking crypto: The 5% rule | Hugh Lam from BetaShares Talks Bitcoin, Blockchain & Beyond

  7. 07/09/2025

    Estate Planning Mistakes to Avoid: Lawyer Reveals Common Pitfalls

    Most Australians think estate planning is something they'll deal with "later" - but the right structures today can save your family thousands and protect what you've worked hard to build. In this eye-opening conversation, John from Apex Advice sits down with Geelong-based estate planning lawyer Mitch Collins to uncover the shocking truths about Australian estate planning. 🚨 What You'll Discover: Why 50% of Australians die without a will (and what happens to their money)The real horror story of $500K inheritance gone in 2 yearsHow to protect your life's work from future partners through "bloodline trusts"Why testamentary trusts aren't just for rich people ($300K threshold explained)The 4 critical times you MUST update your willCommon estate planning myths that could destroy your family's future💡 Key Takeaways: Blended families need special protection strategiesBusiness owners face unique estate planning challengesSet and forget mentality with wills is dangerousProper structures can keep your wealth in your bloodline foreverWhether you're building wealth or approaching retirement, this conversation will open your eyes to estate planning essentials that every Australian needs to know. 🔥Subscribe to The Stash newsletter by Apex Advice for more of the good stuff you need to know to organise, grow and spend your money with confidence → apexadvice.com.au/stash-newsletter/ Reach out to Mitch at: gpclawyers.com.au #apexadvice #geelongfinancialadviser #estateplanning General Advice Disclaimer: this podcast is general in nature & does not take into account your relevant personal circumstances and should not be acted upon without obtaining personal advice prior.

    Estate Planning Mistakes to Avoid: Lawyer Reveals Common Pitfalls

  8. 04/04/2025

    Will Tariffs CRASH the Market? Diana Mousina & John Manserra

    Tariffs, Inflation & Market Volatility—What’s Really Going On? In this timely and insightful conversation, John from Apex Advice sits down with Diana Mousina, Deputy Chief Economist at AMP, to break down the biggest economic forces shaping our world right now. From U.S. tariffs and global trade risks to interest rate movements and what it all means for Aussie households and investors. Diana brings her unique, relatable lens to economics, making complex concepts easy to understand and directly applicable to your everyday financial life. In this episode, we cover: ✅ What tariffs really mean and why they’re dominating headlines again ✅ How rising trade tensions could impact inflation, interest rates & markets ✅ The true state of the Australian economy—are we in a slowdown or on the upswing? ✅ What to expect from the RBA, upcoming elections, and inflation data ✅ Why short-term volatility could create long-term investment opportunities ✅ The mindset shift needed for today’s market environment “Yes, there’s more downside in the short term… but for long-term investors, this could be a time of real opportunity.” – Diana Mousina If you're looking to cut through the noise and better understand how economic shifts affect your money, this episode is a must-watch.Listen to Diana on AMP’s ‘Simplifying Investing’ podcast Subscribe to AMP’s Econosights newsletter Follow Econosights on TikTok, Instagram & LinkedIn for easy-to-digest updates 🔔 Subscribe to Apex Advice for more interviews, real-world insights, and practical financial wisdom. 👍 Like & Share this episode if you found it helpful. 💬 Drop your thoughts in the comments—are you feeling bullish or cautious right now?

    Will Tariffs CRASH the Market? Diana Mousina & John Manserra
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About

The good stuff you need to know to organise, grow and spend your money with confidence. For life-loving professionals and tradies who want to make work a choice before they're 67. - Apex Advice Pty Ltd ABN 14 655 779 187 is a Corporate Authorised Representative (ASIC 1296045) of Paragem Pty Ltd ABN 16 108 571 875 AFSL 297276. Australian Credit Licence 389087. This content is general information only and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you and seek professional advice before making any financial decision

Information

  • Creator
    John Manserra CFP®
  • Years Active
    2025 - 2026
  • Episodes
    15
  • Rating
    Clean
  • Copyright
    © John Manserra CFP®
  • Show Website
    The Stash by Apex Advice