The Grass is Greener

Tim Henry
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Join financial adviser Tim Henry as he discusses your everyday challenges, inspires and educates you to make awesome personal and financial decisions.

  1. 1d ago

    Building an Epic Retirement

    What if planning for retirement didn't start with money?In this episode of The Grass is Greener, Tim is joined by author, podcaster and retirement educator Bec Wilson, author of How to Have an Epic Retirement and Prime Time.Bec challenges the traditional idea of retirement as simply the point where we stop working. Instead, she encourages us to think about the second half of life as a gradual transition — one where we can make increasingly deliberate choices about work, health, purpose, travel, relationships and how we use our time.Tim and Bec discuss the importance of understanding what "enough" looks like financially. Rather than automatically continuing to climb the career ladder, knowing your number can potentially give you permission to make different choices — working less, changing careers, taking more time off or simply putting greater priority on the things that matter to you.They also explore the emerging world of Retirement Income Solutions and the role that greater income certainty could play in retirement.Bec and Tim also discuss the Epic Retirement Tick, Bec's work with Chant West to assess how well super funds are supporting members approaching and living in retirement. https://epicretirement.net/about-bec-wilson/Epic Retirement Institutehttps://epicretirement.net/Bec Wilsons Book'shttps://epicretirement.net/books/Bec's 'Prime Time' Podcasthttps://bit.ly/4gbgukV

    Building an Epic Retirement

  2. Aug 13

    Who gets your Super when you Die?

    You might have a Will, but does that mean your super will end up where you want it to?Following recent ABC News coverage suggesting around 15.7 million Australians may not have a binding death benefit nomination in place, Tim takes a look at how super death benefit nominations actually work — and why simply naming someone may not be enough.In this episode, we cover:- Why your super doesn't automatically form part of your estate or follow your Will- Who you're actually allowed to nominate to receive your super- What happens if you want your super to ultimately go to someone such as a niece, nephew, sibling or friend- The difference between binding and non-binding death benefit nominations- Why some binding nominations expire and the role of non-lapsing nominations- The ABC News example where a member's nominated beneficiaries ultimately didn't receive his super- Reversionary beneficiaries for retirement pensions- Five simple things to check on your own super death benefit nominationThe key message is simple: don't assume that having a Will means your super is sorted.Take a few minutes to check your super account, see who you've nominated, whether your nomination is binding and current, and whether it still reflects what you actually want to happen.A little bit of planning now can provide much greater certainty about where your super ends up when you're no longer here. Connect with Tim:https://www.linkedin.com/in/henrytim/ABC News Articlehttps://bit.ly/4g8FWaS

    Who gets your Super when you Die?

  3. Jul 30

    Will Your Kids Pay Tax on Your Super?

    Many Australians assume that because their superannuation is tax-free in retirement, it will also be tax-free when they leave it to their family.Unfortunately, that's not always the case.If your super is ultimately inherited by financially independent adult children, part of your balance could be subject to tax—potentially reducing their inheritance by thousands, or even hundreds of thousands, of dollars.In this episode, Tim explains one of the most overlooked areas of retirement and estate planning. He unpacks the difference between tax dependants and non-tax dependants, explains the taxable and tax-free components within your super, and shares practical strategies that may help minimise future tax for your family.In this episode you'll learn:-Why super can still be taxed after your death-Who is considered a tax dependant for super purposes-Why adult children often pay tax on inherited super-The difference between taxable and tax-free components-How to find your tax components on your annual statement or online portal-How a recontribution strategy can increase the tax-free component of your super-Other strategies that may help reduce future tax, including withdrawing funds before death in appropriate circumstances-Why estate planning should include your superannuation—not just your WillThe best place to start is simple: log in to your super fund and check the taxable and tax-free components of your account. Understanding how your super is structured today can make a significant difference to the legacy you leave tomorrow. Connect with Tim: https://www.linkedin.com/in/henrytim/

    Will Your Kids Pay Tax on Your Super?

  4. Jul 23

    Women in Super

    In this episode of The Grass Is Greener, Tim is joined by Jo Kowalczyk, CEO of Women in Super, an organisation that has spent more than 30 years advocating for better outcomes for women working within the superannuation industry and, increasingly, for better retirement outcomes for all Australian women.Jo explains why the gender super gap is closely connected to the gender pay gap, lower-paid and part-time work, career interruptions and the disproportionate amount of unpaid caring work still undertaken by women.The conversation challenges a common way of thinking about women and retirement: that women simply need to save more or start earlier.As Jo explains, individual action can help — but it cannot completely solve what is fundamentally a structural issue.Tim and Jo also discuss:• What Women in Super does and how the organisation began• Why women continue to retire with less super than men• The long-term impact of career breaks and unpaid caring work• Why compounding makes time out of the workforce particularly significant• Positive changes including the removal of the $450 super threshold and superannuation on government-paid parental leave• Whether unpaid carers should receive superannuation contributions• Why caring needs to be recognised as a valuable part of our economy• The interaction between super, housing, the Age Pension and retirement security• Why traditional measures of retirement adequacy may not reflect the reality of many women’s livesOne of the strongest messages from the conversation is simple:The gender retirement gap should not be treated purely as a savings problem requiring women to fix it themselves.As Jo puts it, we need to look at the systems around women’s working lives, caring responsibilities and retirement — and build a retirement system that better reflects how people actually live. Connect with Jo: https://www.linkedin.com/in/jo-kowalczyk/Women in Superhttps://www.womeninsuper.com.au/

    Women in Super

  5. Jun 11

    The Money Reset

    Financial stress doesn't always come from making mistakes. Sometimes life changes, rising costs, family responsibilities, or unexpected events can leave us feeling like we're no longer moving forward.This week, Tim sits down with financial adviser, educator, and author Gemma Mitchell to discuss her book The Money Reset and why getting back to basics can be the key to regaining confidence and control over your money. Gemma shares her own experiences of financial resets, including divorce and other major life changes, and explains why a reset isn't about starting over—it's about reassessing where you are and creating a plan that aligns with the life you want today. https://www.linkedin.com/in/gemma-mitchell/

    The Money Reset

  6. Jun 3

    Small Business CGT Concessions: What Exists Now

    The Federal Budget has sparked plenty of discussion about capital gains tax and small business. In this episode, Tim steps away from the headlines and focuses on the rules that exist today, including the four Small Business CGT Concessions and why they matter for business owners planning their eventual exit or retirement. Australian Tax Office - Small Business CGT Concessionshttps://bit.ly/4x86lNK

    Small Business CGT Concessions: What Exists Now

  7. May 28

    Retire Life Ready

    Financial adviser and author James Wrigley joins Tim to discuss why retirement planning is about more than money. From life goals and purpose to superannuation, investing and navigating uncertainty, this conversation explores what it really means to become “Retire Life Ready.”James also discusses the overwhelming response to his book launch, the growth of financial education online, and why clear communication is so important in helping Australians feel more confident about their financial future.Whether you’re approaching retirement, helping ageing parents, or simply trying to build a better future, this episode is packed with practical insights and reassurance.https://www.linkedin.com/in/james-wrigley/ James Wrigley Website: https://www.jameswrigley.com.au/ First Financial: https://firstfinancial.com.au/

    Retire Life Ready

  8. May 14

    Before You Panic: What the Federal Budget Really Means

    In this episode, Tim breaks down the major proposed measures from the latest Federal Budget and explains what they could mean for everyday Australians, investors, business owners and families — while reinforcing one critical point: these are proposals only and not yet law.The discussion covers immediate wins for employees, including the proposed $1,000 instant tax deduction for work-related expenses from 2026–27 and changes to the Low Income Super Tax Offset, potentially increasing support for lower-income earners from July 2027.Tim also unpacks the bigger structural proposals, including:-Changes to negative gearing from July 2027 for newly purchased established properties-A major overhaul to Capital Gains Tax, including the removal of the traditional 50% CGT discount and introduction of a new minimum 30% tax methodology on future gains-Potential discretionary (family) trust tax reforms from July 2028-What remains unchanged, including superannuation and the family home CGT exemptionImportantly, this episode focuses on practical perspective over panic — highlighting grandfathering provisions, implementation timelines, and why Australians should avoid rushing into financial decisions before legislation is confirmed.

    Before You Panic: What the Federal Budget Really Means
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About

Join financial adviser Tim Henry as he discusses your everyday challenges, inspires and educates you to make awesome personal and financial decisions.

Information

  • Creator
    Tim Henry
  • Years Active
    2020 - 2026
  • Episodes
    163
  • Rating
    Clean
  • Copyright
    © Tim Henry
  • Show Website
    The Grass is Greener

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