Money. Mindset. Meaning.

What actually stops people from seeking financial advice?

In this episode, Robert Goudie and Rachael Todman discuss some of the common misconceptions and barriers that can prevent people from reaching out for advice. From feeling embarrassed about past financial decisions to thinking you don't have enough money to justify seeing an adviser, they explore why financial advice can be valuable at different stages of life.

Whether you're just starting to build wealth, preparing for retirement, or simply looking for some guidance with your finances, this conversation explores how professional financial advice can help you make more informed decisions at different stages of life.

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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), 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

Could a 2% deposit really help you buy a home sooner, or encourage you to buy before you are financially ready?

Rob Goudie and Rachael Todman unpack Australia’s Help to Buy scheme and how it may assist eligible Australians in purchasing a home.

They explore the government’s shared-equity contribution, eligibility requirements, property price caps and ongoing obligations. They also discuss affordability, cash flow, home ownership costs and the importance of being financially prepared.

Listen to the full podcast to learn more and consider whether the Help to Buy scheme could be suitable for your circumstances.

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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), 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.

3 0

Is it still possible for the average Australian to build wealth?

Rob Goudie and Rachael Todman discuss how rising living costs, tax changes and negative headlines can make wealth creation feel out of reach. They explain why consistency, sensible spending, regular investing and the power of compounding remain fundamental to long-term financial security.

Building wealth may not happen overnight, but a simple plan followed consistently can make a meaningful difference.

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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), 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

Property or shares, which makes the better long-term investment?

In this episode , Rob Goudie and Amy Lehmann respond to a listener’s question about why Rob generally prefers investing in businesses through the share market rather than residential property.

They discuss:

• Why property can appear less volatile than shares
• The role of debt and leverage in property returns
• Why leveraged property and unleveraged shares are not an equal comparison
• Liquidity, diversification and cash flow
• The risks of assuming past property growth will continue
• The difference between buying a home and purchasing property as an investment
• Why investing based on tax benefits alone may lead to poor decisions

Rob and Amy also explore the broader factors that have supported Australian property prices, including lower interest rates, increased household incomes and greater access to debt, and whether those same conditions can continue.

This episode is not about dismissing property as an investment. It is about taking a closer look at the risks, assumptions and comparisons investors should consider before making a decision.

#PropertyVsShares #InvestingAustralia #AustralianProperty #ShareMarket #InvestmentStrategy #FinancialEducation #WealthCreation #InvestorMotivationPodcast

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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), 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.

23 2

Could the proposed family trust tax changes affect the way your business income is taxed?

In this episode, Rob Goudie is joined by guest speaker Dallas Landwehr from BCH Accountants to discuss what the proposed family trust tax changes may mean for Australian small business owners, tradies, farmers and families using trust structures. They cover income distributions, potential tax impacts from 1 July 2028, rollover relief, business restructuring options, estate planning considerations and why there is no need to panic just yet.

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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 2

Feeling like debt is getting in the way of the retirement lifestyle you’ve worked hard for? Your 60s should be about more freedom, better choices and peace of mind, not constant stress over credit cards, personal loans, bills or repayments.

In this video, we look at practical strategies that may help Australians reduce debt while still enjoying life in their 60s. We’ll talk through realistic ways to review what you owe, prioritise repayments, avoid risky quick fixes, make room for the things that matter, and know when it may be time to ask for support.

Whether you’re approaching retirement, already retired, or simply wanting to feel more in control of your money, this discussion is designed to help you think more clearly about debt, lifestyle and financial wellbeing in this stage of life.


There are no guarantees that any strategy will remove debt or improve your financial position. If debt feels overwhelming, the National Debt Helpline provides free, confidential and independent financial counselling in Australia on 1800 007 007. ([National Debt Helpline][2])

#DebtReduction #RetirementPlanningAustralia #MoneyInYour60s #AustralianFinance #FinancialWellbeing

[1]: https://asic.gov.au/regulatory-resources/financial-services/financial-advice/running-a-financial-advice-business/obligations-when-giving-financial-advice/?utm_source=chatgpt.com "Obligations when giving financial advice | ASIC"
[2]: https://ndh.org.au/financial-counselling/?utm_source=chatgpt.com "Financial Counselling - National Debt Helpline"

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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

Could a falling share market actually increase your retirement income? Many Australians assume that once their assets rise above the Centrelink limits, the Age Pension is off the table forever. But recent market volatility has created new opportunities for some retirees to qualify for valuable pension payments, concession cards, and thousands of dollars in annual benefits.

In this episode, Rob Goudie and Ashley Rowan explain how the Age Pension asset test works, the latest Centrelink thresholds, and the strategies that could help you unlock additional retirement income.


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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 2

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.

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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

Rob Goudie and Ash Rowan discuss a crucial strategy for retirees looking to minimize potential death benefit taxes on their superannuation. Ash shares a real-life case study of a retired couple with a $1.3 million superannuation balance that is fully taxable. They explore the complexities of taxable vs. tax-free components within superannuation and how changes to CGT and negative gearing can impact estate planning.

The discussion delves into a "recontribution strategy," a method of withdrawing funds from superannuation and recontributing them as non-concessional contributions. This process aims to increase the tax-free component of the superannuation balance, thereby reducing the tax liability for beneficiaries.

Key topics covered:

- Understanding taxable and tax-free components of superannuation.
- The impact of recent budget changes on superannuation.
- A detailed explanation of the recontribution strategy and its benefits.
- How to leverage contribution caps and the "bring forward" rule across financial years.
- Practical considerations, including managing multiple account-based pensions and prioritizing withdrawals.
- The role of recontribution strategies in aged care planning.

Don't miss this valuable discussion on proactive superannuation and estate planning to protect your assets for the future.

#Superannuation #EstatePlanning #TaxStrategy #FinancialAdvice #InvestorMotivation #RetirementPlanning #DeathBenefitTax #CGT #NegativeGearing

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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.

13 2

Going through a separation or divorce can feel overwhelming, emotionally and financially. In this episode, Rob Goudie and Rachael Todman discuss how to make calmer, smarter financial decisions during a difficult life transition.

Rachael shares a real-life story that highlights why it’s important not to rush major decisions when emotions are running high.

In this episode, you’ll learn about:

Taking your time with big decisions*— why slowing down before moving house or making large purchases can help avoid costly mistakes.

Managing money on your own — practical tips for budgeting, tracking expenses, and setting up automatic bill payments after separation.

Building financial stability — how to create emergency savings, manage cash flow, and provide security for yourself and your children.

Planning for the future — the importance of life insurance, wills, and estate planning to protect your family.

This episode provides practical guidance, reassurance, and simple steps to help you regain financial confidence and create a more secure future after divorce or separation.


#Divorce #FinancialPlanning #MarriageBreakdown #Separation #PersonalFinance #InvestorMotivation #FinancialAdvice #WealthManagement #LifeChanges #SingleParenting

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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.

3 0

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

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

Feeling overwhelmed by aged care finances? Confused about the RAD (Refundable Accommodation Deposit)? You're not alone. In this episode, we break down exactly what a RAD is, how it works, and the crucial financial complexities you need to navigate when choosing aged care in Australia.

If you or a loved one are facing aged care decisions, this podcast episode will provide the clarity and confidence you need. Tune in to take control of your aged care finances!

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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

Want to legally reduce your tax and boost your retirement savings at the same time?

In this episode, financial planners Rob Goudie and Ashley Rowan break down one of the most powerful, and often overlooked, strategies in Australia: catch-up concessional (carry forward) super contributions.

With decades of combined experience, Rob and Ash explain how this strategy works, who qualifies, and how you can potentially save thousands in tax by making smarter super contributions.

If you’re earning a solid income or planning a major financial move, this is a must-watch strategy that could make a serious difference to your long-term wealth.

📩 Got questions or topics you want covered? Reach out and let us know!

🔔 Don’t forget to like, subscribe, and follow for more insights on investing, retirement, and financial freedom.

#Superannuation #TaxStrategy #InvestingAustralia #FinancialPlanning #WealthBuilding

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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 3

Is the government's 5% deposit scheme really helping first home buyers, or is it pushing them into unsustainable debt?

Rob Goudie and Ashley Rowan dive deep into the pros and cons, the inflationary impact, and what you really need to consider before entering the property market. We discuss the true cost of homeownership, the role of banks, and offer advice for smarter financial decisions.

#FirstHomeBuyer #PropertyMarket #Australia #HousingAffordability #RealEstate #Finance
_________________________________________________
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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.

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Considering retiring before age 60 but unsure whether it’s financially sustainable?

In this episode, Rob Goudie and Ashley Rowan discuss key considerations for those looking to retire before accessing superannuation. Using a real client scenario, they outline approaches to managing the gap to age 60, including tax timing and more conservative income strategies such as cash and term deposits.

They also explore the role of financial modelling in assessing sustainability, the potential impact of delaying retirement, and the importance of balancing lifestyle objectives with long-term financial security, including future aged care considerations.

This podcast contains general advice only and does not take into account your objectives, financial situation or needs. You should consider whether the information is appropriate to your circumstances and seek professional advice where appropriate.

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

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