James O'Reilly, a financial advisor and co-host of the Australian Retirement Podcast, joins to unravel the mystery of Restricted Stock Units (RSUs) and Employee Stock Purchase Plans (ESPPs). He explains why RSUs exist, how they impact cash flow, and the tax complexities involved. Discover common pitfalls employees face with their RSUs and strategies to avoid them, ensuring these financial tools help achieve major goals. Plus, O'Reilly shares a useful spreadsheet to simplify management of RSUs!

Deep dive into personal insurances: income protection, TPD, and life insurance with financial advisers. Discusses the risks of being underinsured, navigating insurance options in super funds, adjusting coverage, rising costs as you age, estate planning, and choosing the right benefit period for income protection. Also covers wealth management services and the importance of insurance in safeguarding assets and making sound financial decisions.

Experts discuss everything about personal insurance from income protection to life insurance in a deep dive episode. They highlight the importance of expert advice in selecting the right policy, managing insurance through super funds, and aligning wills with insurance nominations. Real-life examples of insurance benefits in critical health situations are shared, emphasizing the need for comprehensive coverage and regular policy reviews.