The Wealthlab Podcast (Aust)

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

  1. 22h ago

    The Retirement Strategy Most Australians Don't Know

    Do you really have to work until 67 before you can retire? It's one of the biggest myths in Australia. For many people, retirement can happen years earlier, if you understand how to bridge the gap before the Age Pension starts. In this episode, Phil and Dan explore practical strategies that can help Australians retire before Age Pension age. From accessing super at 60 to lesser-known Centrelink opportunities and smart super structuring, they explain how thoughtful planning can create more flexibility and potentially bring retirement forward. You’ll learn: - Why turning 67 isn't the same as your retirement age, and when you can actually retire - How to use your super from age 60 to generate retirement income - before the Age Pension begins - Why JobSeeker may be an option for some pre-retirees, particularly those doing volunteer work or reducing work hours - How couples with an age gap can structure super to potentially improve Centrelink outcomes - How strategies like super splitting can help maximise retirement income and Age Pension eligibility over time This episode is for Australians aged 55+ who want to retire before 67 or are wondering if it's financially possible. If you're looking to maximise your retirement income, make the most of your super, and understand the strategies available before the Age Pension kicks in, this conversation will help you plan with greater confidence. 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 (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

  2. Jul 22

    The Dental Super Trap

    Using your super to pay for dental work or medical treatment might seem like an easy solution today, but it could cost you hundreds of thousands of dollars in retirement. Before accessing your super early, it's important to understand the long-term financial consequences and whether there are better alternatives. In this episode, Scott and Phil unpack the growing trend of businesses promoting early access to super for medical procedures under compassionate release provisions. They explain how the rules work, who they're intended for, and why withdrawing from super should only be considered after exploring every other option. 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 (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

  3. Jul 15

    The AI Scam Every Australian Needs to Know

    Scammers are getting smarter, and AI is making it harder than ever to tell what's real. From deepfake videos and cloned voices to fake investment platforms and employment scams, today's fraudsters are using sophisticated technology to target Australians and steal their money. In this episode, Scott and Phil explore the latest scams affecting Australians and explain how artificial intelligence is changing the fraud landscape. Drawing on real client experiences and recent scam trends, they share practical advice to help you recognise warning signs and protect yourself and your family 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 (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

  4. Jul 6

    The Power of Compounding Is Bigger Than You Think

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Everyone has heard that compounding is powerful, but very few people truly understand how it works. The biggest gains often happen later in life, which is why starting early and staying invested can make such a dramatic difference to your retirement outcome. In this episode, Scott and Phil explain the power of compounding in simple terms and why it's one of the most important concepts in long-term investing. They use real-world examples, historical case studies, and retirement planning scenarios to show how time, investment returns, and inflation can either work for you or against you. 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 (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

  5. Jun 28

    The Government Just Changed SMSF Property Investing

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social The government has announced it will ban new borrowing through Self-Managed Super Funds (SMSFs) for residential property. But will this actually make housing more affordable or simply remove another wealth-building strategy without addressing the real issues in the property market? In this episode, Scott and Phil unpack the proposed changes to SMSF borrowing rules, explain how Limited Recourse Borrowing Arrangements (LRBAs) actually work, and examine whether the data supports the government's rationale. They also discuss what these changes could mean for retirement planning and property investors moving forward. 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 (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

  6. Jun 21

    The Financial Trap Hiding in Plain Sight

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Want to chat? Book a free intro call → →https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social What happens when gambling is dressed up to look like investing? From CFD trading platforms to forex apps and “financial freedom” seminars, millions of Australians are being targeted with products that promise wealth but often leave people worse off. In this episode, Scott and Phil unpack a recent ASIC case that resulted in a $300 million penalty against a CFD provider. They explain how these products work, why so many people lose money, and the emotional and financial damage they’ve seen firsthand from Australians who thought they were investing when they were really speculating. You’ll learn: - What CFDs (Contracts for Difference) are and why they’re fundamentally different from investing - How leverage magnifies gains but can wipe out your money just as quickly - Why ASIC found serious misconduct in the way some CFD products were marketed - The warning signs to watch for in trading platforms, seminars, and “financial freedom” programs - What long-term investing looks like compared to short-term trading and speculation This episode is for Australians who want to build wealth without falling into common investing traps. If you’ve ever been tempted by trading apps, leveraged products, or promises of quick profits, this conversation will help you separate genuine investing from speculation and make more informed financial decisions. 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 (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

  7. Jun 10

    The Property Headlines Are Getting It Wrong

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Every time the property market slows down, the headlines start screaming the same thing: house prices are crashing, rents are exploding, and the sky is falling. But when you look beyond the media noise, the reality is far more nuanced and far more useful for investors and homeowners. In this episode, Scott and Phil unpack what’s really happening in the Australian property market. They explore the impact of higher interest rates, housing supply shortages, proposed tax changes, and why many of the headlines driving fear aren’t telling the full story. You’ll learn: - Why higher interest rates are having a bigger impact on property prices than recent budget proposals - How borrowing capacity changes can affect what buyers are able to pay for property - Why Australia’s ongoing housing shortage continues to support long-term property demand - The risks of buying in large new housing developments where future supply may limit growth - Why investment decisions should be based on fundamentals, not media headlines or tax incentives alone This episode is for Australians aged 55+ who own property, are considering investing, or want to understand how current market conditions may affect their retirement plans. If you’re looking for a balanced perspective and practical insights instead of sensational headlines, this conversation will help you make more informed decisions. 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 (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

  8. May 28

    EOFY Super Changes Explained Simply

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ A lot of the superannuation videos online leave people more confused than when they started. So in this episode, Scott and Phil cut through the noise and focus on the super changes that actually matter for Australians over 50 before 30 June. With contribution caps increasing, payday super changes arriving, and several important rules resetting from 1 July, this episode explains the practical actions Australians should be considering right now. The focus is on avoiding mistakes, maximising tax efficiency, and making sure opportunities inside super aren’t missed. You’ll learn: - How the concessional contribution cap is increasing from $30,000 to $32,500 - What carry-forward contributions are and why some unused cap space may expire soon - How payday super changes could accidentally push some people over contribution limits - Why non-concessional contribution limits are increasing to $130,000 per year - The importance of contribution timing, processing cut-offs, and avoiding last-minute mistakes before 30 June This episode is for Australians aged 55+ who are actively contributing to super, preparing for retirement, or reviewing tax strategies before the end of financial year. If you want to avoid costly errors and make smarter super decisions while the rules continue to change, this conversation will help you stay ahead of it. 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 (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

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

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