Freedonomix

Independent Wealth Partners
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Freedonomix is a podcast about more than just money—it's about people, purpose, and the stories that shape our lives. Powered by Independent Wealth Partners, this show is for anyone who believes that true financial freedom is about living the life you want, not just the returns you get. At Freedonomix, we dive into two key areas, Practical Financial Wisdom (tax, investing, wealth strategies etc.) as well as Inspiring Life Stories from friends and clients . Whether you're here for the financial insights, the personal stories, or a bit of both, we're glad you've joined us. Lets get started.

  1. 2d ago

    Are young people really better off Jim?

    Joining Cameron today is Tim Dawe - Partner and Independent Financial Adviser at IWP. Join us as we chat through the selling proposition for the May 2026 Federal Budget. The government has tried to sell it as a win for young Australians trying to get into the housing market. Tim Dawe isn't convinced. In this episode, we pull apart the headline measures — the CGT and negative gearing changes, the $250 handback, the small business tax hit — and ask the question the government won't: does any of this actually leave young people better off, or does it just move the problem somewhere else? Spending, debt, interest rates, super, small business risk — it's all connected, and the answer isn't as simple as the budget speech made it sound. To read the article click on the link below  https://www.independentwealthpartners.com.au/insights/are-young-people-really-better-off-jim/

    Are young people really better off Jim?

  2. 4d ago

    I just won tattslotto!

    Today Im joined by Chris Haggart - Partner and Independent Financial Adviser at IWP where we sit down and discuss the latest article Cameron wrote on what to do when you win Tattslotto! Winning the lottery sounds simple. It isn't. Sudden wealth brings a wave of decisions most people have never had to make — mortgage or investments, family requests, tax, trust, who to even tell. In this episode, we walk through what actually happens after a big win: the emotional side nobody talks about, the traps that catch most winners (overspending, poor investing, no structure), and the calm, step-by-step process we use to turn a windfall into lasting security. If you've ever daydreamed about winning big, this episode might change what you hope happens next. https://www.independentwealthpartners.com.au/insights/youve-won-tattslotto-what-happens-next-matters-most/

    I just won tattslotto!

  3. Jul 15

    What our clients have told us about the real value of financial advice!

    This week Cameron is joined by Chris Haggart - Partner and Independent Financial Adviser at IWP. For years we have known that the value of advice is in the intangible benefits of the advice, which goes well beyond the tax savings, the strategic advice that brings financial benefit. About 2 years ago, we started surveying our client base, both new and existing clients across eight dimensions of wellbeing — career, emotional, environmental, financial, intellectual, physical, social, spiritual. Existing clients scored higher than new clients in every area! Spiritual +28% Environmental +23.3% Financial +22.6% Physical +21.9% Intellectual +18.5% Career +18.2% Emotional +17.6% Social +12.1% Eight dimensions, eight gaps, all in the same direction. In this episode, we break down the data, what it can (and can't) tell us, and why the value of advice always radiates further than the numbers suggest.  Turns out good advice does something markets and returns can't measure — it gives people their headspace back. In this episode, we break down the data, what it can (and can't) tell us, and why the value of advice always radiates further than the numbers suggest. For more info, click on the two links below which are articles both Cameron and Chris have written on the topic. What our clients have told us about the real value of financial advice. - Independent Wealth Partners Life First - What 2 years of data confirmed about a hypothesis we've held for Decades! - Independent Wealth Partners happy listening!

    What our clients have told us about the real value of financial advice!

  4. Jun 11

    IWP - Market Update - June 2026

    Link to IWP's June 2026 Update (PDF) https://tinyurl.com/muzzukne Global markets have remained remarkably resilient over the past month, with strong AI-driven earnings continuing to support US markets despite ongoing geopolitical tensions, inflation concerns, and growing uncertainty surrounding Australia's economic outlook. In this month's discussion, Shane and Chris explore the key themes influencing markets and portfolio positioning: • AI-related companies continue to deliver exceptional earnings growth, helping drive US markets higher and supporting broader market performance • Ongoing tensions in Iran and elevated oil prices continue to create inflationary risks and weigh on consumer confidence  • Australia's recent Federal Budget and proposed tax changes have raised concerns around inflation, productivity, and incentives for business investment and innovation • Sentiment towards both major political parties has deteriorated, contributing to increased political uncertainty • Australian equities continue to face headwinds, while US markets have reached new highs • Portfolio positioning remains unchanged, with decisions continuing to be driven by evidence, diversification, and long-term fundamentals rather than short-term events • Despite economic and geopolitical uncertainty, long-term portfolio returns have remained strong, reinforcing the importance of maintaining discipline and avoiding emotional reactions to market noise Overall, the message remains consistent: stay focused on long-term fundamentals, trust the evidence, and maintain a diversified portfolio through periods of uncertainty. Should you prefer this in video form, please head to https://youtu.be/6kfKn8FYbhQ  DISCLAIMER: This Podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL #512433.

    IWP - Market Update - June 2026

  5. Jun 2

    Selling your home after 55? How downsizer contributions can supercharge your retirement!

    For most Australians approaching retirement, the family home is their biggest asset. The problem has always been that it's also the hardest one to access. But there's a strategy that changes that — and a surprising number of people over 55 have no idea it exists. In this episode of Freedonomix, Cameron sits down with Andrew Brown - Independent Financial Adviser at IWP who walks us through the downsizer contribution — a rule that allows Australians aged 55 and over to contribute up to $300,000 each (that's $600,000 for a couple) directly into superannuation from the sale of a qualifying property. Crucially, it sits completely outside the normal contribution caps, so it doesn't eat into what you can contribute through other means. But this isn't just a simple form you fill in at settlement. Andrew unpacks the details that actually matter — the 90-day window to act, the 10-year ownership requirement, how it can be layered with other contribution strategies, the re-contribution opportunities that could reduce the tax hit on your super for the people you leave it to, and how it might even be used to optimise an Age Pension outcome. If you're thinking about downsizing, selling an investment property that was once your home, or simply looking for ways to get more into super before you retire — this episode is worth your time. The rules are technical and the timing is critical. This is exactly the kind of strategy that's easy to miss and hard to undo. For a link to the written article click below. Selling your home after 55? How downsizer contributions can supercharge your retirement! - Independent Wealth Partners (Independent Wealth Partners Pty Ltd (ASIC # 1286417 ABN 66 647 667 249) is an independent professional financial advice practice which operates under the Australian Financial Services Licence (Independent Wealth Services AFSL # 512433). This podcast is general advice only and it does not take into account any person's individual objectives, financial situation or needs. IMPORTANT: The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

    Selling your home after 55? How downsizer contributions can supercharge your retirement!

  6. May 29

    The most expensive invoice you will never pay

    You see the fee. You do the mental maths. You think: if I don't pay this, I keep that money. It's a completely rational thought — and it might be the most expensive decision you ever make. In this episode of Freedonomix, Cameron sits down with Chris Haggart - Partner and Independent Financial Adviser at IWP where we get honest about the real cost of financial advice — and more importantly, the hidden cost of walking away from it. We share the story of a client who passed on a $16,000 advice fee and, by staying in cash and waiting for the "right moment," missed $350,000 in market growth. We talk about what happened on a single day during the COVID crash when 50 families called wanting to sell everything — and why the most valuable thing an adviser does in that moment has nothing to do with spreadsheets. We also go beyond the investment story. For families navigating complex situations — disability support, legal trust structures, Centrelink — we explore the invisible cost that never shows up on any invoice: the 2am panic, the second-guessing, the emotional weight of carrying it all yourself. The fee is a visible line item. The cost of inaction is invisible, infinite, and often irreversible. This one is for anyone who has ever hesitated at the number on a statement of advice — and wondered whether it was really worth it. Click on the link below for the written article The most expensive invoice you never pay - Independent Wealth Partners (Independent Wealth Partners Pty Ltd (ASIC # 1286417 ABN 66 647 667 249) is an independent professional financial advice practice which operates under the Australian Financial Services Licence (Independent Wealth Services AFSL # 512433). This podcast is general advice only and it does not take into account any person's individual objectives, financial situation or needs. IMPORTANT: The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

    The most expensive invoice you will never pay

  7. May 25

    300,000 years of behaviour traits - the Human side of Investing

    We've been wired for survival for 300,000 years. The problem? Those same instincts that kept our ancestors alive are the ones quietly sabotaging your investment decisions today. In this episode of Freedonomix, Cameron sits down with Shane Nicholas - Partner and Independent Financial Adviser at IWP as we dig into the human side of investing — the part that doesn't show up in a risk profile questionnaire but shows up loud and clear the moment markets drop. We unpack why losing money feels twice as painful as gaining it feels good, why your brain treats a falling share market the same way it treats a physical threat, and why doing something — even the wrong thing — feels better than staying the course. We explore the difference between the risk you can tolerate and the risk you actually need to take, and why getting that distinction wrong costs people more than bad stock picks ever will. And we talk about how to build portfolios that account for the emotional reality of being human — not just the spreadsheet version of it. Because the best investment strategy in the world is worthless if you can't stick to it when things get uncomfortable. For a link to the article click below. 300,000 years of behaviour traits - The Human side of Investing. - Independent Wealth Partners (Independent Wealth Partners Pty Ltd (ASIC # 1286417 ABN 66 647 667 249) is an independent professional financial advice practice which operates under the Australian Financial Services Licence (Independent Wealth Services AFSL # 512433). This document is general advice only and it does not take into account any person's individual objectives, financial situation or needs. IMPORTANT: The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

    300,000 years of behaviour traits - the Human side of Investing

  8. May 13

    IWP - Market Update - May 2026

    Link to IWP's May 2026 Update (PDF) Market Update  Markets have rebounded sharply following April's volatility, despite ongoing uncertainty surrounding the Iran conflict, inflation pressures, and rising oil prices. While headlines remain concerning, market performance has again highlighted the importance of staying disciplined and focused on long-term investment outcomes. In this month's discussion, Shane and Chris unpack the key issues currently influencing markets and portfolio positioning: • Equity markets recovered strongly over the past month, with many major indices returning close to previous highs despite continued geopolitical uncertainty • The Iran conflict and fragile ceasefire remain key risks for inflation, oil prices, and broader market confidence, with concerns that energy costs may keep inflation elevated for longer • In Australia, inflation has reaccelerated and business confidence has weakened as higher interest rates and cost-of-living pressures continue to weigh on households and businesses • AI-driven growth and productivity expectations continue to support U.S. markets, particularly large technology companies, contributing to the strong performance of global equities • The discussion reinforces the importance of diversification across regions and asset classes, particularly as Australian and U.S. market performance continues to diverge • Portfolio strategy remains focused on discipline, rebalancing, and long-term evidence-based investing, rather than reacting emotionally to short-term market movements • Historical market behaviour continues to demonstrate that staying invested through periods of uncertainty generally leads to better long-term outcomes than attempting to time markets Overall, the message remains consistent: maintain perspective, stay diversified, and avoid making emotional investment decisions during periods of heightened uncertainty. Should you prefer this in video form, please head to YouTube   DISCLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

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About

Freedonomix is a podcast about more than just money—it's about people, purpose, and the stories that shape our lives. Powered by Independent Wealth Partners, this show is for anyone who believes that true financial freedom is about living the life you want, not just the returns you get. At Freedonomix, we dive into two key areas, Practical Financial Wisdom (tax, investing, wealth strategies etc.) as well as Inspiring Life Stories from friends and clients . Whether you're here for the financial insights, the personal stories, or a bit of both, we're glad you've joined us. Lets get started.

Information

  • Creator
    Independent Wealth Partners
  • Years Active
    2024 - 2026
  • Episodes
    49
  • Rating
    Clean
  • Copyright
    © 2025
  • Show Website
    Freedonomix