Managed Money - Powered by Evolution Financial Planning

James Cruz
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Get your insights into how Wealth Management should work. Join James Cruz to understand how a trusted Certified Financial Planner can get you financially well-organised and keep you that way. Advice needs to be practical, independent, transparent and not linked to product sales. Pay for the advice and realise your retirement goals with greater certainty and confidence.

Episodes

  1. A positive claims experience for Specified Injury.

    06/22/2019

    A positive claims experience for Specified Injury.

    A portfolio of personal protection policies are generally utilised within a comprehensive wealth management plan to ensure that wealth plans are kept on track in the event of a major illness or injury. Today I highlight a recent case study where we had a positive claims experience for a client who broke a leg whilst snow skiing in Canada.  While insurance is a drier topic than retirement, it is still the most cost-effective way to protect your future plans from an unexpected illness or injury. For the record, the insurer was BT Life with whom we have a great relationship with and who have supported a number of our clients when they have needed it.

    5 min
  2. Market downturns...not if but when.

    06/15/2019

    Market downturns...not if but when.

    Listen in as James explains how Evolution Financial planning are re-balancing and actively managing client portfolios. There has been an extended period of double digit, market linked returns. While investors can become complacent when returns are attractive, this causes James more concern as discipline falls away in the pursuit of performance. Please reflect on your own retirement funds and consider a review of your asset allocation and ensure that cash levels are suitable to meet your retirement goals.

    5 min
  3. What advice suits your family business?

    06/08/2019

    What advice suits your family business?

    Listen in as James Cruz explains the different types of advice that family business owners can access and why a virtual family office is best suited for family businesses. A comprehensive tailored offering is worth the relationship and having one firm in your corner to help you stay financially organised, educate and administer the next generation and to make sure that you have the best aligned professionals on your team is the optimum strategy to ensure your family legacy can be maintained for the longest period. You haven't worked this hard to see your efforts frittered away on poor investment and lifestyle decisions.

    9 min
  4. What's your idea of retirement?

    05/25/2019

    What's your idea of retirement?

    Listen in as James Cruz explains how a retirement should be thought of. Many think of retirement as the period post working. The reason we focus on growing capital for retirement is this should be an exciting time filled with enjoyment and purpose. Consider the first 30 years of your life as the growing stage. The next 30 years are work and industry and the next should be the fruits of your labour. Our idea of retirement is an alternative to that portrayed by media and government and our wish for you is that you create a wonderful retirement life. Age is no barrier and planning early makes for an easier and enjoyable phase of life.

    16 min
  5. Money Mindset to grow wealth.

    05/18/2019

    Money Mindset to grow wealth.

    Listen in as James Cruz explains how the actual money mindset that you are using maybe inhibiting your wealth plans. You may not want to be the richest person in the cemetery but you can alter your state of mind to grow wealth. James will explain how he was influenced by Noel Whittaker, Nick Murray and Napoleon Hill who have all written books that have resonated with many readers over the years to create a clearer thinking about money and why it is important to understand your thinking on finances. Please make sure that you record and send us a message on anchor.fm/managedmoney and we will forward you one of Noel Whittakers finance books which is personally autographed by him. Cheers and have a great week.

    7 min
  6. How much do you need for Retirement?

    05/11/2019

    How much do you need for Retirement?

    Hear how James explains what is considered a comfortable amount for retirement and how a combination of capital and Centrelink can produce great results. Click here to read the article that James refers to so you can see how close you are to funding a 30 year retirement. Feel free to leave a message for a question for us to answer. Let's make retirement more confident and certain.

    6 min
  7. The RISK of the sharemarket.

    05/03/2019

    The RISK of the sharemarket.

    One of the main concerns I hear when looking to plan a retirement income stream with family businesses is that the "stockmarket is risky." While this old chestnut might get a run, it really is a cry for more information.  Clients only get one chance at retirement and after a lifelong legacy of business that now needs to transition into managed money, I really believe that clients are wanting to seek confirmation that this decision they are about to undertake is the best one for them. Listen in here as I explain how the risks to clients in NOT investing in a broadly diversified portfolio of businesses whose primary goal is to grow profits and in turn dividends to ensure that your cost of living can be met without depleting your capital over a possible 30 year retirement period. I spoke about my man-crush on Nick Murray last episode and so I have provided a link to an interview he did a few years back which really supports this episode that I have provided today.  Click to listen here:   https://youtu.be/7lnwlBT6Al0 Thanks for listening and supporting Managed Money. Please subscribe on your preferred podcast platform and we really would appreciate a review on Apple podcasts to boost our visibility. Cheers.

    6 min
  8. What is Managed Money?

    04/27/2019

    What is Managed Money?

    Listen as James Cruz explains the concept of Managed Money and how it relates to building towards a retirement of confidence and certainty. A retirement whereby you never worry about money in this phase of your lives.

    9 min
  9. Case Study: Unwinding poor advice.

    04/23/2019

    Case Study: Unwinding poor advice.

    Let me take you through what poor advice looks like and how to unwind it to get back on track ASAP. If you are listening via Anchor.fm then make sure you listen to my surprise song that I have included at the end of the podcast.

    8 min
  10. Take a step forward with Managed Money.

    04/22/2019

    Take a step forward with Managed Money.

    Let's get the conversation going on how to retire right. Check my initial thoughts on where I see the Financial Planning industry and how I will be looking to help those who require advice for a confident retirement. Tune in and listen to case studies and stories on how we manage assets and work with families.

    5 min
  • 10 Episodes

About

Get your insights into how Wealth Management should work. Join James Cruz to understand how a trusted Certified Financial Planner can get you financially well-organised and keep you that way. Advice needs to be practical, independent, transparent and not linked to product sales. Pay for the advice and realise your retirement goals with greater certainty and confidence.

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