Australian Retirement Podcast

Rask
Rask

The Australian Retirement Podcast by Rask is your field guide to retirement, hosted by financial advisers Drew Meredith and James O'Reilly. If you're 45 and up, planning for retirement, transitioning now, or already there, we cover all of the topics you want and need to know: Super, tax, investments, legacy, work, behavioural psychology and maybe even a few travel tips.  Get retirement advice: https://bit.ly/R-plan  Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00 In every episode of the podcast, in the description provided, you will find our key resources, including:  A link to work with us and our expert teams A link to the free Rask community - join the conversation, it's free.  A link to ask us questions for the podcast - it's a free service we offer to educate thousands of Australians, and Extra resources for each episode Don't forget, this Rask podcast contains general financial information only, issued by The Rask Group Pty Ltd. The information does not take into account your financial needs, goals or objectives, so be sure to speak to a licensed and trusted financial planner before acting on the information. You can find more information about Rask podcasts and services provided at www.rask.com.au/FSG

  1. 59m ago

    The CGT trap: CSL, property and super in retirement

    Australian Retirement Podcast hosts James O'Reilly and Drew Meredith tackle a problem that quietly traps a lot of retirees and pre-retirees: when a great investment becomes too big to ignore, but selling feels impossible because of capital gains tax. Using familiar names like CSL and Cochlear, they unpack why tax fear can keep people stuck in overexposed positions long after the risk has changed. The real question is not whether paying CGT hurts. It does. The better question is whether holding an undiversified portfolio is even more dangerous when one position starts to dominate your retirement plan and your future income. From there, Drew and James widen the lens to the property market, why some investors underestimate downturn risk, and how high rates, weak clearance rates and stretched affordability could shape the next chapter for housing. They also explain why property often gets more emotional leeway than shares, simply because it is not repriced in front of us every day. The episode also moves from theory to action, covering when debt reduction can beat extra investing, when additional super contributions deserve a closer look, and why understanding your cash flow matters more than most people think. If you want a clearer framework for balancing tax, diversification, super and cash in the years before retirement, this episode is a smart place to start. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

    The CGT trap: CSL, property and super in retirement

  2. Jul 9

    FY27 planning: trust changes, Div 296 and what retirees should do next

    In this episode of Australian Retirement Podcast, James O'Reilly and Drew Meredith walk through the biggest financial-year changes retirees, pre-retirees and business owners should be thinking about right now. The conversation covers the flood of FY27 planning questions now landing on advisers’ desks, from family trust rules and negative gearing changes to contribution caps, transfer balance caps and the practical reality of Div 296. James and Drew explain what is already changing, what is only proposed, and where people should be planning ahead rather than panicking. They unpack the implications of minimum tax proposals for discretionary trusts, the changing case for property, why payday super matters more than many people realise, and how asset location could become more important for people with larger balances inside and outside super. The episode also answers two practical listener questions: how reversionary pensions work inside an SMSF when Div 296 is in the mix, and whether long service leave is better taken as a lump sum, at full pay or at half pay when retirement is close. If you want a clear, grounded guide to the new financial year and the retirement planning decisions that may matter most over the next 12 months, this episode is a strong place to start. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

    FY27 planning: trust changes, Div 296 and what retirees should do next

  3. Jul 2

    The retirement tax reset: Budget backdowns, pensions and SMSFs explained

    In this episode of Australian Retirement Podcast, Drew Meredith and James O'Reilly unpack the latest retreat from the Federal Budget's most controversial tax changes and what it means for retirees, pre-retirees and business owners trying to plan ahead. They explain why the government eased back on small-business CGT concessions, what the clarification on testamentary trusts really fixes, and why the age pension carve-out could become one of the most important strategic details in the whole package. The conversation then shifts to the Greens' push to ban SMSF borrowing for residential property, including why that proposal matters for rental supply, investor behaviour and the broader retirement planning landscape. Rather than stopping at headlines, Drew and James focus on the behavioural fallout: how people may respond when tax rules change, why good policy can still create bad incentives, and what retirees need to watch before making major moves with property, trusts or super. They also answer a practical listener question from a couple in their 60s weighing up an approaching retirement: should they prioritise smashing the mortgage or shovel as much as possible into super, and is an SMSF with listed assets still worth the cost once work winds down? If you want a clearer, calmer read on the Budget walk-backs, super strategy and the real retirement decisions sitting underneath the politics, this is a timely episode to queue up. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit EOFY deals to know about - ending June/July 2026 – $200 bonus for opening your first TermPlus account with $20k or more with code “EOFY26” – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

    The retirement tax reset: Budget backdowns, pensions and SMSFs explained

  4. Jun 25

    Estate planning myths, probate and DIY wills with Caite Brewer

    In this episode of the Australian Retirement Podcast, Drew Meredith is joined by Caite Brewer, a Queensland barrister who specialises in wills, estate disputes and superannuation. They unpack the estate-planning mistakes that can create years of conflict after someone dies, including DIY wills, informal wills, probate disputes, family provision claims and poor communication inside families. Caite explains why a will written on a napkin can sometimes still be valid, what solemn form probate actually means, and why executors, blended families and warring siblings can end up in court for years. The conversation also dives into superannuation, binding death nominations and family trusts. Drew and Caite explore why super is often treated differently from the rest of an estate, how small SMSF paperwork errors can derail a plan, and why specialist advice matters when family wealth is spread across wills, trusts and super. They also discuss elder abuse, the warning signs families miss, and the practical steps that reduce the risk of disputes. The biggest takeaway is simple: communicate early, keep documents current and get proper estate-planning advice before a crisis forces the issue. If you want a clearer understanding of wills, inheritance disputes, probate, super death benefits and the real-world risks of poor succession planning, this episode is a practical starting point. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

    Estate planning myths, probate and DIY wills with Caite Brewer

  5. Jun 18

    Ready to quit work? The 4 retirement types and SMSF traps to know

    In this Australian Retirement Podcast episode, James O'Reilly and Drew Meredith unpack a side of retirement planning spreadsheets cannot solve: what happens when you stop working. Using four retirement archetypes - stayers, leavers, blenders and the disengaged - they explain why people can thrive after leaving work or feel flat, isolated and directionless even when the money looks fine on paper. The conversation then turns to the practical friction many Australians underestimate. Drew explains why getting money out of an SMSF can take longer than expected, why interim accounts and asset valuations matter, and why winding up or rolling out a fund is rarely as simple as pressing sell. They also tackle the emotional side of the transition, including how connected you are to your current work and how ready you are for what comes next. James and Drew round it out with listener questions on growth versus defensive assets at 75, reversionary pensions, and what a surviving spouse needs to think about if a death benefit may push them over the transfer balance cap. If you are planning retirement or wondering whether your SMSF still makes sense, this episode offers a clearer framework for both the lifestyle and structural decisions that come with leaving work. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

    Ready to quit work? The 4 retirement types and SMSF traps to know

  6. Jun 11

    Why advice takes ten weeks, and how to test-drive your retirement budget

    In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O’Reilly, from Northeast Wealth, pull back the curtain on what actually happens between “let’s get some advice” and the document landing on your desk 10 weeks later — and why proper modelling involves a lot more than three columns on a spreadsheet. They also talk through a confronting client story where test-driving the retirement budget cut spending by nearly 40 per cent, and answer two big listener questions on healthcare buffers and complex SMSF property holdings. Topics covered today - Markets at all-time highs while every news headline says the world is broken — what the disconnect means for retirees - The Atlassian whipsaw and what it says about AI panic in big tech valuations - Why a statement of advice takes four to ten weeks: research, third-party authorities, modelling, quality control - Three-input modelling versus proper multivariate modelling — and why most calculators sit at the lazy end - Test-driving your retirement budget: the “rip the band-aid” case study that cut $180,000 of spend down to $110,000 - Why the most underrated job of an adviser is forcing the trade-off conversation - Hugh’s question: how much should you buffer for healthcare costs before the Commonwealth Seniors Health Card kicks in at 67? - Mr No Idea’s question: $12 million property portfolio, an SMSF property in Mernda, and why this is firmly in personal-advice territory - Retirement location reality-check — Queenscliff wind, Queensland surf breaks, and why you should rent before you buy Episode resources – Services Australia — Commonwealth Seniors Health Card – ATO myGov — review contribution caps and balances – ASIC Moneysmart — retirement planner – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

    Why advice takes ten weeks, and how to test-drive your retirement budget

  7. Jun 4

    Tax myths, age pension wipeouts, and the $14,000-a-year super loophole

    In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O’Reilly, from Northeast Wealth, bust the myth that financial advice fees are fully tax-deductible after the 2024 changes, walk through a real client case where an insurance refund accidentally triggered the bring-forward non-concessional cap, and run the numbers on what a daily coffee, a weekly pub meal, and three streaming services really cost a retiree over 25 years. They also explain what professional indemnity insurance actually covers (and what it does not), and answer two listener questions: the best month of the year to retire, and whether a still-working 60-year-old with $2 million should set up an allocated pension now. Topics covered today – The myth that all financial advice fees are tax-deductible — what actually changed in 2024 and why accountants are tightening up – A real case study: an insurance premium refund accidentally treated as a non-concessional contribution and the bring-forward trap it triggered – Why the latest age pension increase was completely wiped out by higher deeming rates, petrol, and grocery prices – The $432,000 cost of a daily coffee, weekly pub meal, and three streaming services over 25 years — and why we still say spend it anyway – Professional indemnity insurance: what it actually covers, what it doesn’t, and why “bad returns” aren’t a claim – Mad About Money’s question: what is the best time of year to retire? (Hint: August) – Super Sandwich’s question: 60 years old, $2 million in super, still working five more years — should you start an allocated pension now? – The over-60 super recycling strategy: meeting a condition of release, drawing the minimum, and re-contributing to save up to $14,000 a year in tax If you like this Australian Retirement Podcast episode on tax, coffee, and the over-60 super loophole, you’ll love the series. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode – Wattle Partners – Northeast Wealth – ATO — deductibility of financial advice fees (TD 2024/7) – Services Australia — deeming rates – ASIC Moneysmart — conditions of release – Drew’s book — request a free copy via the show – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

    Tax myths, age pension wipeouts, and the $14,000-a-year super loophole

  8. Jun 1

    Senator Andrew Bragg on housing, tax and Australia’s productivity problem

    This episode was originally featured on the Australian Investors Podcast. In this episode, Owen Rask sits down with Senator Andrew Bragg for a wide-ranging conversation about the Federal Budget, housing supply, tax, productivity and why so many Australians feel the country has become harder to get ahead in. Rather than getting stuck in party talking points, they focus on the practical questions investors, business owners and workers are asking right now: what happens when policy makes it harder to build homes, why does productivity matter so much for living standards, and how do taxes, regulation and incentives shape whether Australia creates more wealth or simply fights over what already exists? Andrew explains why he believes cutting housing supply is one of the worst policy choices Australia can make, how rising rents, higher rates and broader cost-of-living pressure are changing the national mood, and why small business, private investment and simpler rules still matter if Australia wants to stay competitive. The conversation also touches on super, the role of large institutions, and why clearer economic thinking matters more when confidence is low. Owen pushes on the bigger picture too: whether Australia has lost ambition, why the policy debate feels less honest than it should, and what needs to change if Australians want better opportunities over the next decade. If you want a plain-English discussion about housing, tax, productivity, competitiveness and the long-run direction of Australia, this is a timely episode to queue next. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

    Senator Andrew Bragg on housing, tax and Australia’s productivity problem
See All (115)

Hosts & Guests

About

The Australian Retirement Podcast by Rask is your field guide to retirement, hosted by financial advisers Drew Meredith and James O'Reilly. If you're 45 and up, planning for retirement, transitioning now, or already there, we cover all of the topics you want and need to know: Super, tax, investments, legacy, work, behavioural psychology and maybe even a few travel tips.  Get retirement advice: https://bit.ly/R-plan  Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00 In every episode of the podcast, in the description provided, you will find our key resources, including:  A link to work with us and our expert teams A link to the free Rask community - join the conversation, it's free.  A link to ask us questions for the podcast - it's a free service we offer to educate thousands of Australians, and Extra resources for each episode Don't forget, this Rask podcast contains general financial information only, issued by The Rask Group Pty Ltd. The information does not take into account your financial needs, goals or objectives, so be sure to speak to a licensed and trusted financial planner before acting on the information. You can find more information about Rask podcasts and services provided at www.rask.com.au/FSG

Information

More From Rask

You Might Also Like