Money. Mindset. Meaning.

My take on retirement, investing, and making epic financial decisions.

Robert Goudie

Qualifications

  • Certified Financial Planner (CFP®)
  • SMSF Specialist Advisor (SSA)
  • Graduate Diploma of Financial Planning
Robert Goudie
Financial Advisor, Founder
CFP®, SMSF Specialist™, Grad Dip FP

I’ve been providing advice for over 25 years and am privileged to enjoy many long-term relationships with my clients. Whether working with business owners, SMSF Trustees or motivated investors, our outcome is always the same—maximise your hard-earned dollars through informed financial decisions.

The best part of my job is helping people improve their knowledge around money. This increases their overall financial well-being, and I love seeing clients walk out of the office less stressed and more excited about what’s ahead.

Raising four children in our small town of Horsham has enabled me to be involved in numerous community activities. I’ve been involved with Meals on Wheels, our local football committee, the school council and my proudest contribution – helping to launch a coffee van as a not-for-profit, raising money to help build our local cancer centre.

If you’re ready to take back control of your financial situation and invest with confidence, let’s connect and start working towards your financial goals today.

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Latest Blog

What Does the 2026 Federal Budget Mean for Australian Investors? 

By Robert Goudie
•
Posted in , ,
The 2026 Federal Budget has introduced some of the most significant proposed tax changes Australia has seen in years.  While many of the announcements were expected following months of speculation and media coverage, the details reveal potentially far-reaching impacts for investors, property owners, family trusts, and small business operators.  Importantly, these measures are currently proposals and have not yet become law. Existing arrangements remain in place unless and until legislation is passed.  Here’s a breakdown of the key announcements and what they could mean for Australians moving forward.  Capital Gains Tax (CGT): A Major Shift Proposed  One of the most significant announcements is…
READ MORE What Does the 2026 Federal Budget Mean for Australian Investors? 

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Can property investing go wrong? In this episode, Rob Goudie and Ashley Rowan discuss a real-life Australian property case study involving a couple who found themselves facing significant negative equity shortly after purchasing a newly built investment property. The conversation explores: ✔️ What negative equity means and why it matters ✔️ The risks associated with off-the-plan and newly built investment properties ✔️ Property marketing fees and sales commissions ✔️ The role of borrowing, leverage and debt in property investing ✔️ Self-managed super funds (SMSFs) and property investments ✔️ Alternative wealth-building strategies, including shares and businesses ✔️ The importance of understanding risk before making investment decisions Whether you're considering your first investment property or reviewing your long-term financial strategy, this episode provides valuable insights into the importance of due diligence and informed decision-making. ⚠️ Important: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking professional advice tailored to your circumstances. ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Can property investing go wrong? In this episode, Rob Goudie and Ashley Rowan discuss a real-life Australian property case study involving a couple who found themselves facing significant negative equity shortly after purchasing a newly built investment property.

The conversation explores:

✔️ What negative equity means and why it matters
✔️ The risks associated with off-the-plan and newly built investment properties
✔️ Property marketing fees and sales commissions
✔️ The role of borrowing, leverage and debt in property investing
✔️ Self-managed super funds (SMSFs) and property investments
✔️ Alternative wealth-building strategies, including shares and businesses
✔️ The importance of understanding risk before making investment decisions

Whether you're considering your first investment property or reviewing your long-term financial strategy, this episode provides valuable insights into the importance of due diligence and informed decision-making.

⚠️ Important: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking professional advice tailored to your circumstances.

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

6 3

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai5BNDEyODI2QzIyNkJCRTMx

Negative Equity Nightmare: How This Couple Lost $150k on a New Build Property

Investor Motivation 4 June, 2026 1:51 pm

Australia’s 2026 Federal Budget has landed, and there are major proposed changes that could impact taxpayers, property investors, business owners and families across the country. In this episode, Amy and Rob break down the key announcements from the Federal Budget handed down on 12 May 2026, including: • Personal income tax cuts from 1 July 2026 • The proposed new $250 Working Australians Tax Offset (WATO) • The new $1,000 instant tax deduction for work-related expenses • Proposed Capital Gains Tax (CGT) reforms • Changes to negative gearing rules for residential property investors • Proposed 30% minimum tax for discretionary trusts • What these changes could mean for investors, retirees and everyday Australians They unpack what’s already legislated, what’s still proposed, and the practical implications you should be aware of moving forward. ⚠️ Please note: Some measures discussed are proposed changes only and are subject to legislation being passed. If you have questions about how these changes may affect your personal situation, reach out to the team for tailored advice. #FederalBudget2026 #AustralianTax #NegativeGearing #CGT #PropertyInvestment #TaxCuts #WealthManagement #FinancePodcast #Australia ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Australia’s 2026 Federal Budget has landed, and there are major proposed changes that could impact taxpayers, property investors, business owners and families across the country.

In this episode, Amy and Rob break down the key announcements from the Federal Budget handed down on 12 May 2026, including:

• Personal income tax cuts from 1 July 2026
• The proposed new $250 Working Australians Tax Offset (WATO)
• The new $1,000 instant tax deduction for work-related expenses
• Proposed Capital Gains Tax (CGT) reforms
• Changes to negative gearing rules for residential property investors
• Proposed 30% minimum tax for discretionary trusts
• What these changes could mean for investors, retirees and everyday Australians

They unpack what’s already legislated, what’s still proposed, and the practical implications you should be aware of moving forward.

⚠️ Please note: Some measures discussed are proposed changes only and are subject to legislation being passed.

If you have questions about how these changes may affect your personal situation, reach out to the team for tailored advice.

#FederalBudget2026 #AustralianTax #NegativeGearing #CGT #PropertyInvestment #TaxCuts #WealthManagement #FinancePodcast #Australia

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

10 7

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai5EQzY3OTQyMTc2ODlCOEM3

Federal Budget 2026: Capital Gains, Negative Gearing & Trusts Explained #federalbudget

Investor Motivation 13 May, 2026 11:16 pm

Australian Stock Market Think the Australian share market is diversified? Think again. The ASX300 is far more concentrated than most investors realise—and in this video, Rob explains just how much of the index is dominated by a handful of banks and miners. Rob breaks down the real numbers behind the top companies and major sectors, why financials and materials overpower the entire market, and what this means for anyone relying heavily on Australian shares. He also compares Australia’s concentration with the U.S. market and explains why global diversification matters more than ever. This is general advice only. ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Australian Stock Market

Think the Australian share market is diversified? Think again. The ASX300 is far more concentrated than most investors realise—and in this video, Rob explains just how much of the index is dominated by a handful of banks and miners.

Rob breaks down the real numbers behind the top companies and major sectors, why financials and materials overpower the entire market, and what this means for anyone relying heavily on Australian shares. He also compares Australia’s concentration with the U.S. market and explains why global diversification matters more than ever.

This is general advice only.

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

7 0

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai44MThCMzZFNDc2RTk1MEY2

How Concentrated Is the Australian Stock Market? (The Real Numbers)

Investor Motivation 8 December, 2025 10:40 am

Smart Tax & Investment Strategies Thinking about selling your business or farm? Before you make the leap, make sure you’re not walking away from opportunities or walking into avoidable mistakes. Rob and Amy break down what you need to know before selling a business, farm, or any major asset. They dive into why tax planning should start up to two years out, how family trusts can help manage income distribution, and the importance of structuring assets to support long-term retirement strategies. Connect with Amy on TikTok, Instagram, and LinkedIn at @AmyLehmanFA. and remember: Amy and Rob will never direct message you first—stay alert for imposters. ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Smart Tax & Investment Strategies

Thinking about selling your business or farm? Before you make the leap, make sure you’re not walking away from opportunities or walking into avoidable mistakes.

Rob and Amy break down what you need to know before selling a business, farm, or any major asset. They dive into why tax planning should start up to two years out, how family trusts can help manage income distribution, and the importance of structuring assets to support long-term retirement strategies.

Connect with Amy on TikTok, Instagram, and LinkedIn at @AmyLehmanFA. and remember: Amy and Rob will never direct message you first—stay alert for imposters.
----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

6 0

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai5CODAzNTc5NEFERjkzMDQ0

Selling Your Business or Farm: Smart Tax & Investment Strategies

Investor Motivation 27 November, 2025 10:37 am

Aged care is about to become far more expensive, and most families have no idea what’s coming. In this episode of the Investor Motivation Podcast, Rob and Ash unpack the major aged-care rule changes starting 1 November 2025. They explain what’s changing in home care and residential aged care, why costs are rising, what the new refundable accommodation deposit rules look like, and how the return of retention fees will affect families. The conversation also covers the new means-tested charges, how pensions and cashflow planning fit into aged-care affordability, the increasing importance of the family home, and why people with $200k–$500k in assets may feel the squeeze the most. They discuss how families can work together, avoid misunderstandings and prepare financially for one of life’s most stressful transitions. ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Aged care is about to become far more expensive, and most families have no idea what’s coming.

In this episode of the Investor Motivation Podcast, Rob and Ash unpack the major aged-care rule changes starting 1 November 2025. They explain what’s changing in home care and residential aged care, why costs are rising, what the new refundable accommodation deposit rules look like, and how the return of retention fees will affect families.

The conversation also covers the new means-tested charges, how pensions and cashflow planning fit into aged-care affordability, the increasing importance of the family home, and why people with $200k–$500k in assets may feel the squeeze the most. They discuss how families can work together, avoid misunderstandings and prepare financially for one of life’s most stressful transitions.
----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

17 5

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai4wRUE3MkE2QzM5M0M3RUMx

Aged Care Changes 2025: Fees, Deposits & New Rules Explained

Investor Motivation 21 November, 2025 10:48 am

In this episode, Amy and Rob break down the newly updated superannuation tax changes and what they mean for investors. They discuss the revised $3 million and $10 million thresholds, the removal of the unrealised capital gains tax proposal, and the introduction of indexation moving forward. They explore alternative structures such as individual ownership, family trusts, companies, and investment bonds—along with the considerations that come with each option. Whether you’re directly affected by the new thresholds or simply want to stay informed about Australia’s superannuation landscape, this episode will help you understand the changes and the strategic thinking behind them. ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

In this episode, Amy and Rob break down the newly updated superannuation tax changes and what they mean for investors. They discuss the revised $3 million and $10 million thresholds, the removal of the unrealised capital gains tax proposal, and the introduction of indexation moving forward.

They explore alternative structures such as individual ownership, family trusts, companies, and investment bonds—along with the considerations that come with each option.

Whether you’re directly affected by the new thresholds or simply want to stay informed about Australia’s superannuation landscape, this episode will help you understand the changes and the strategic thinking behind them.
----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

11 0

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai45QUQwMENBQjdFNjZDQjE4

Superannuation Tax Changes Explained — What You Need to Know

Investor Motivation 14 November, 2025 1:06 pm

A Timely Reminder: Build Memories While You Still Can Every now and then, we’re reminded that life is fragile , and that while planning for the future is essential, it’s just as important to live fully today. In this heartfelt message, we reflect on what truly matters: balancing smart financial planning with making time for the people and experiences that bring us joy. Build memories while you still can. Say yes to the coffee, the trip, the laughter. #LifeBalance #FinancialPlanning #MindfulLiving #WealthAndWellbeing #ConsortiumPrivateWealth ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Every now and then, we’re reminded that life is fragile , and that while planning for the future is essential, it’s just as important to live fully today.

In this heartfelt message, we reflect on what truly matters: balancing smart financial planning with making time for the people and experiences that bring us joy.

Build memories while you still can. Say yes to the coffee, the trip, the laughter.

#LifeBalance #FinancialPlanning #MindfulLiving #WealthAndWellbeing #ConsortiumPrivateWealth

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

15 2

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai5GMUYyNkE2QjczNDk4RDY4

A Timely Reminder: Build Memories While You Still Can

Investor Motivation 7 November, 2025 10:33 am

When Great Businesses Go Bad for Investors #investsmart Have you ever wondered how you could buy one of the best companies in the world, like Microsoft, and still end up with a bad investment? Rob breaks down the hidden danger of investing at market peaks. Even world-class businesses can burn you if you overpay. When markets hit all-time highs, risk goes up and future returns go down. This is a must-watch for anyone trying to understand when and how to invest wisely, especially when the market feels unstoppable. 👉 Don’t forget to like, comment, and subscribe for more insights on smart investing and financial mindset. #Investing #StockMarket #PsychologyOfMoney #Finance #WealthBuilding ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Have you ever wondered how you could buy one of the best companies in the world, like Microsoft, and still end up with a bad investment?

Rob breaks down the hidden danger of investing at market peaks. Even world-class businesses can burn you if you overpay. When markets hit all-time highs, risk goes up and future returns go down.

This is a must-watch for anyone trying to understand when and how to invest wisely, especially when the market feels unstoppable.

👉 Don’t forget to like, comment, and subscribe for more insights on smart investing and financial mindset.

#Investing #StockMarket #PsychologyOfMoney #Finance #WealthBuilding

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

8 1

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai4yQzM1RUZENURBMEYyMTE3

When Great Businesses Go Bad for Investors #investsmart

Investor Motivation 30 October, 2025 3:49 pm

How Working Just 2 Extra Years Can Transform Your Retirement Thinking about retiring soon? Before you do, watch this. In this video, I’ll show you using real numbers how working an extra year or two can make a massive difference to your retirement savings and lifestyle. We’ll walk through a real-life projection to see how extra years of saving (and not spending) compound over time, and why working just a little longer can give you the confidence to spend more freely when you retire. This is general advice only. Speak with your financial adviser to see how these numbers apply to your situation. #RetirementPlanning #FinancialFreedom #Superannuation #WealthBuilding #AustraliaFinance ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Thinking about retiring soon? Before you do, watch this. In this video, I’ll show you using real numbers how working an extra year or two can make a massive difference to your retirement savings and lifestyle.

We’ll walk through a real-life projection to see how extra years of saving (and not spending) compound over time, and why working just a little longer can give you the confidence to spend more freely when you retire.

This is general advice only. Speak with your financial adviser to see how these numbers apply to your situation.

#RetirementPlanning #FinancialFreedom #Superannuation #WealthBuilding #AustraliaFinance

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

12 4

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai44MkQyQ0FDREQwNEE5Mjg5

How Working Just 2 Extra Years Can Transform Your Retirement

Investor Motivation 23 October, 2025 10:07 am

Property vs. Shares In this week’s video, Robert Goudie breaks down the topic of leverage—why it’s so popular among property investors and how it applies to the share market. You’ll learn: ✅ Why property is easier (and cheaper) to leverage than shares ✅ How margin lending and home equity can be used to buy shares ✅ The hidden risks of gearing up—especially when markets are at all-time highs ✅ Why debt is a double-edged sword that deserves more respect If you’ve ever wondered whether you should take on debt to invest, this video will give you a balanced perspective on when leverage works—and when it can hurt you. 📌 Disclaimer: This is general advice only and does not consider your personal circumstances. 👍 Like this video if you found it helpful 🔔 Subscribe for more financial insights every week ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

In this week’s video, Robert Goudie breaks down the topic of leverage—why it’s so popular among property investors and how it applies to the share market.

You’ll learn:
✅ Why property is easier (and cheaper) to leverage than shares
✅ How margin lending and home equity can be used to buy shares
✅ The hidden risks of gearing up—especially when markets are at all-time highs
✅ Why debt is a double-edged sword that deserves more respect

If you’ve ever wondered whether you should take on debt to invest, this video will give you a balanced perspective on when leverage works—and when it can hurt you.

📌 Disclaimer: This is general advice only and does not consider your personal circumstances.

👍 Like this video if you found it helpful
🔔 Subscribe for more financial insights every week

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More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

18 0

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai5BMDc2MTU5OTE1QjUwNTk0

Property vs. Shares: Which Is better for Leverage? #share

Investor Motivation 29 August, 2025 5:59 pm

Should You Max Out Your Property Debt? Is it smart to borrow as much as the bank will give you for property investment? And why should you even bother paying off your home loan? In this video, Robert Goudie dives deep into two hot questions from social media: Why not borrow as much as the bank will lend you? Why care about paying off your principal place of residence? We’ll talk about: ✔ The risks of over-leveraging in property investments ✔ The real cost of focusing only on cash flow and tax savings ✔ Why debt reduction is crucial for financial freedom and lifestyle balance If you’ve ever wondered whether going all-in on property debt is the way to wealth or if paying down your home loan is still important, this video is for you. 📌Got a question you’d like me to cover in future videos? Drop it in the comments! Subscribe for more tips on smart investing, debt management, and financial strategies that work. ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Is it smart to borrow as much as the bank will give you for property investment? And why should you even bother paying off your home loan?

In this video, Robert Goudie dives deep into two hot questions from social media:

Why not borrow as much as the bank will lend you?
Why care about paying off your principal place of residence?

We’ll talk about:
✔ The risks of over-leveraging in property investments
✔ The real cost of focusing only on cash flow and tax savings
✔ Why debt reduction is crucial for financial freedom and lifestyle balance

If you’ve ever wondered whether going all-in on property debt is the way to wealth or if paying down your home loan is still important, this video is for you.

📌Got a question you’d like me to cover in future videos? Drop it in the comments!

Subscribe for more tips on smart investing, debt management, and financial strategies that work.

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

24 0

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai4wNkFBNDJEREM3MEFERjRF

Should You Max Out Your Property Debt? Why Paying Off Your Home Still Matters

Investor Motivation 21 August, 2025 11:17 am

Does Paying Off Your Home Loan Weekly Save You Interest? Does paying your home loan weekly instead of monthly really save you money? Robert Goudie explains why it’s not the payment schedule that matters—it’s how much extra you pay each year. Using a $3,800 monthly repayment example at 5.95% interest, he shows how switching to fortnightly and paying half your monthly amount every two weeks means you make an extra month’s repayment each year. Take control of your loan, not the bank—small changes can make a huge difference. 📌 Try the MoneySmart Home Loan Calculator: https://moneysmart.gov.au/home-loans/mortgage-calculator #HomeLoanTips #PayOffHomeLoan #FinancialFreedom #MoneySmart ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Does paying your home loan weekly instead of monthly really save you money?

Robert Goudie explains why it’s not the payment schedule that matters—it’s how much extra you pay each year. Using a $3,800 monthly repayment example at 5.95% interest, he shows how switching to fortnightly and paying half your monthly amount every two weeks means you make an extra month’s repayment each year.

Take control of your loan, not the bank—small changes can make a huge difference.

📌 Try the MoneySmart Home Loan Calculator: https://moneysmart.gov.au/home-loans/mortgage-calculator

#HomeLoanTips #PayOffHomeLoan #FinancialFreedom #MoneySmart

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More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

14 0

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai44Njk2RTZGMTA3MUVGODc3

Does Paying Off Your Home Loan Weekly Save You Interest?

Investor Motivation 13 August, 2025 11:15 am

Worried about your kids entering the property market? Feeling torn between helping them buy a home and protecting your own financial future? You’re not alone — this week’s video dives into that tough decision many families are now facing. Robert Goudie shares a real conversation with an older couple considering going guarantor for their son’s first home purchase — a situation that’s becoming increasingly common. Before discussing the risks of being a guarantor, Rob took a step back and compared the real cost of renting vs buying, using an example from a small town in country Victoria. The son currently pays $350 per week in rent, while buying a similar home would cost around $350,000. Rob breaks down the true cost of homeownership: $25,000 in annual interest $5,000 in principal $4,000 in property costs → Totalling over $34,000 per year, compared to $18,000 in rent This sparked an important question: Is rent really dead money? Rob challenges this belief by showing how owning a home can stretch cash flow and impact lifestyle, especially in regional areas. 💬 One key takeaway: "You can rent the house, or rent the money to buy it — either way, you’re paying." This video is a must-watch for anyone weighing up the emotional and financial pros and cons of: Becoming a guarantor Buying vs renting in today’s market Preserving lifestyle vs taking on debt Got a question or a scenario you’d like explored? Leave it in the comments — Rob may feature it in a future video. #RentVsBuy #GuarantorRisks #FinancialAdviceAustralia #HomeOwnership #CountryVictoria #RobertGoudie #RealEstateDecisions #CashFlowMatters ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Worried about your kids entering the property market? Feeling torn between helping them buy a home and protecting your own financial future? You’re not alone — this week’s video dives into that tough decision many families are now facing.

Robert Goudie shares a real conversation with an older couple considering going guarantor for their son’s first home purchase — a situation that’s becoming increasingly common.

Before discussing the risks of being a guarantor, Rob took a step back and compared the real cost of renting vs buying, using an example from a small town in country Victoria. The son currently pays $350 per week in rent, while buying a similar home would cost around $350,000.

Rob breaks down the true cost of homeownership:

$25,000 in annual interest
$5,000 in principal
$4,000 in property costs
→ Totalling over $34,000 per year, compared to $18,000 in rent

This sparked an important question: Is rent really dead money?
Rob challenges this belief by showing how owning a home can stretch cash flow and impact lifestyle, especially in regional areas.

💬 One key takeaway:
"You can rent the house, or rent the money to buy it — either way, you’re paying."

This video is a must-watch for anyone weighing up the emotional and financial pros and cons of:

Becoming a guarantor
Buying vs renting in today’s market
Preserving lifestyle vs taking on debt

Got a question or a scenario you’d like explored? Leave it in the comments — Rob may feature it in a future video.

#RentVsBuy #GuarantorRisks #FinancialAdviceAustralia #HomeOwnership #CountryVictoria #RobertGoudie #RealEstateDecisions #CashFlowMatters

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

6 2

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai5BQjdGMzE4NUVBQkRDMTA2

Helping Your Kids Buy a Home? Watch This First #buyahome

Investor Motivation 29 July, 2025 12:55 pm

Can you afford to retire early with $1.8 million and no debt? In this week’s video, Robert Goudie walks through a real-life retirement projection for a couple aiming to retire at 52. Using detailed financial modeling, we compare optimistic vs pessimistic scenarios, the impact of delaying retirement by just 3 years, and what it means for your long-term financial security. 🧮 Key Highlights: ✔ Retirement projection walkthrough using Excel ✔ Base, optimistic, and pessimistic return scenarios ✔ Impact of retiring at 52 vs 55 ✔ Life expectancy planning and age pension considerations ✔ Real numbers, real insights Whether you're thinking about early retirement or just want peace of mind, this video will give you valuable clarity. Want a custom projection? Get in touch with us and we’ll help you plan with confidence. 👉 Don't forget to like, subscribe, and hit the bell icon so you don’t miss our weekly insights on retirement and financial planning. #transitiontoretirement #retirementfinancialadvisors #retirementplan #retirementfinancialadvice #retirementplanning #retirement #retirementplanning #retirementsavings #retireearly #retirementgoals #retirementincome ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Can you afford to retire early with $1.8 million and no debt? In this week’s video, Robert Goudie walks through a real-life retirement projection for a couple aiming to retire at 52. Using detailed financial modeling, we compare optimistic vs pessimistic scenarios, the impact of delaying retirement by just 3 years, and what it means for your long-term financial security.

🧮 Key Highlights:

✔ Retirement projection walkthrough using Excel
✔ Base, optimistic, and pessimistic return scenarios
✔ Impact of retiring at 52 vs 55
✔ Life expectancy planning and age pension considerations
✔ Real numbers, real insights

Whether you're thinking about early retirement or just want peace of mind, this video will give you valuable clarity.

Want a custom projection? Get in touch with us and we’ll help you plan with confidence.

👉 Don't forget to like, subscribe, and hit the bell icon so you don’t miss our weekly insights on retirement and financial planning.

#transitiontoretirement #retirementfinancialadvisors #retirementplan #retirementfinancialadvice #retirementplanning #retirement #retirementplanning #retirementsavings #retireearly #retirementgoals #retirementincome

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

59 6

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai4xQzRDOTIwMzBEQjY1MkFF

Can You Retire at 52 with $1.8M? Real-Life Retirement Projection Explained #retirementprojection

Investor Motivation 24 July, 2025 11:09 am

Why Great Companies Can Be Terrible Investments Rob sat down with a client to review their portfolio—and it sparked a conversation every investor should hear. The portfolio had plenty of strong performers—some up 100%, 200%, even 300%—but like most portfolios, there were also a few underperformers. And naturally, the focus turned to those. Rob explores the question: Can a great business still be a bad investment? In this episode, Rob breaks down: Why investors fixate on losses (even when the overall picture is positive) How timing—not just quality—affects investment performance The difference between a great company and a great investment What to do with the underperformers in your portfolio He also encourages investors to look closer at the businesses that aren’t doing well—because those are often the ones worth learning from. Long-term investing is about patience, understanding, and clarity—and sometimes, a hard look at your "worst" investments tells you the most. ---------------------------------------------------------------- More Freebies you should check out Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge* https://www.consortiumpw.com.au/elearning/ *Follow us on our social media * Website: https://www.consortiumpw.com.au/ Instagram: https://www.instagram.com/consortiumprivatewealth/ Facebook Page: https://www.facebook.com/consortiumpw TikTok: https://www.tiktok.com/@rob_goudie To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help! Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser. Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

Rob sat down with a client to review their portfolio—and it sparked a conversation every investor should hear.

The portfolio had plenty of strong performers—some up 100%, 200%, even 300%—but like most portfolios, there were also a few underperformers. And naturally, the focus turned to those.

Rob explores the question:
Can a great business still be a bad investment?

In this episode, Rob breaks down:

Why investors fixate on losses (even when the overall picture is positive)

How timing—not just quality—affects investment performance

The difference between a great company and a great investment

What to do with the underperformers in your portfolio

He also encourages investors to look closer at the businesses that aren’t doing well—because those are often the ones worth learning from.

📈 Long-term investing is about patience, understanding, and clarity—and sometimes, a hard look at your "worst" investments tells you the most.

----------------------------------------------------------------

More Freebies you should check out

Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge*

https://www.consortiumpw.com.au/elearning/

*Follow us on our social media *

Website: https://www.consortiumpw.com.au/
Instagram: https://www.instagram.com/consortiumprivatewealth/
Facebook Page: https://www.facebook.com/consortiumpw
TikTok: https://www.tiktok.com/@rob_goudie

To contact us directly please email info@consortiumpw.com.au or call 03 5382 3460. We're here to help!

Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

9 0

YouTube Video UExPSFE0V2Ewbl9oMUpHbjlTT1dkbEZmMjVQNVJBYjlJai45QkE2RUQ2NTEzNzY5NDEz

Why Great Companies Can Be Terrible Investments #investing

Investor Motivation 16 July, 2025 11:40 am

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