Q&A - Rethinking retirement, property opportunities, and financial structures

In this episode, Campbell addresses a wide range of thoughtful listener questions covering retirement planning, property strategy, superannuation structuring, and the real cost of working with brokers. “Fred” runs through a detailed retirement plan with over $5M in super, trust, and cash assets and seeks a sanity check on his 3.25% spending rate and family gifting strategy. Campbell provides perspective on sequence risk, cash buffers, and longevity planning. Kayt asks whether using a financial advisor is worth the cost compared to a low-fee Vanguard income stream and raises concerns around fees and trust. Campbell explores the pros, cons, and value of advice.

Dan challenges whether mortgage brokers truly offer better value than DIY research, especially for borrowers with simple needs. Campbell explains when brokers add value and the industry incentives shaping their recommendations. Lyn asks how to execute the recontribution strategy across pension accounts, while Paul raises a practical question about simple family trust arrangements. Finally, Brad, a developer, wonders whether investor resales currently priced below replacement cost offer an opportunity or are a value trap.

Whether you're planning a long retirement, rethinking property strategy, or weighing adviser fees, this episode delivers clear, balanced answers to help you make more confident financial decisions.

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.