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War in the Middle East. Rising oil prices. Expensive markets. AI changing everything. With so much noise, what should investors actually do? In this episode of The Purposeful Investor, David Andrew and Aden Wilkins sit down with Apollo Lupescu from Dimensional Fund Advisors to answer the questions coming out of client meetings right now.

Apollo has a gift for making the complex simple, and in this conversation he draws on decades of market data to explain why the right response to uncertainty is almost always the same and what history proves about staying the course.

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Follow Apollo Lupescu:
LinkedIn: https://www.linkedin.com/in/apollo-lupescu-78a3b87a

Follow David Andrew:
LinkedIn: https://www.linkedin.com/in/davidandrewfamilywealthadviser/
Capital Partners: https://capital-partners.com.au/team-members/david-andrew/

Follow Aden Wilkins:
LinkedIn: https://www.linkedin.com/in/aden-wilkins-40b006105/
Capital Partners: https://capital-partners.com.au/team-members/aden-wilkins/

Follow Capital Partners on socials:
Facebook: https://www.facebook.com/CapitalPartnersPWA/
LinkedIn: https://www.linkedin.com/company/capital-partners-3/
Instagram: https://www.instagram.com/capitalpartnersprivatewealth/

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Chapters:
(0:00) Introduction & Episode Preview
(1:00) Welcome & Guest Introduction: Apollo Lupescu
(2:00) Win of the Week
(5:00) Middle East Conflict and What It Means for Investors
(7:00) How Markets Process Geopolitical Events
(11:00) What World War II Teaches Us About Staying Invested
(16:00) Why Timing the Market Requires Two Perfect Decisions
(26:00) Building a Financial Plan That Survives the Bumps
(31:00) The Danger of Averages and Bear Markets Explained
(35:00) 4 Strategies to Shorten Your Recovery Time
(43:00) Valuation Explained: Tesla, Toyota and the Magnificent Seven
(52:00) Is It Different This Time? The Chess Board of Investing

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Recorded and produced by Podwave Studios https://podwavestudios.au/

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

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Is the government about to change capital gains tax, superannuation rules, and how trusts are taxed? In this episode of The Purposeful Investor, Capital Partners founder David Andrew and co-host Aden Wilkins unpack everything you need to know about Australia's proposed tax reforms and what they could mean for your wealth. Whether you invest in property, hold assets in a trust, or have money in super, understanding how the four main investment structures in Australia are taxed is one of the most important decisions you can make. As David explains, getting it wrong could cost you thousands of dollars over your lifetime.

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Follow David Andrew:
LinkedIn: https://www.linkedin.com/in/davidandrewfamilywealthadviser/
Capital Partners: https://capital-partners.com.au/team-members/david-andrew/

Follow Aden Wilkins:
LinkedIn: https://www.linkedin.com/in/aden-wilkins-40b006105/
Capital Partners: https://capital-partners.com.au/team-members/aden-wilkins/

Follow Capital Partners on socials:
Facebook: https://www.facebook.com/CapitalPartnersPWA/
LinkedIn: https://www.linkedin.com/company/capital-partners-3/
Instagram: https://www.instagram.com/capitalpartnersprivatewealth/

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Chapters:
(0:00) Introduction & Episode Preview
(1:00) Welcome to The Purposeful Investor
(2:00) Win of the Week
(4:00) Tax Reform: The Big Picture & Henry Tax Review
(7:30) Capital Gains Tax Discount Explained
(8:30) History of CGT Before the 2006 Howard-Costello Reforms
(11:00) Government Spending, Demographics & the Tax Challenge
(16:00) The 4 Investment Structures in Australia
(19:30) Superannuation Deep Dive: Accumulation, Retirement & Division 296
(22:00) Trusts Explained: Asset Protection & Tax Planning
(26:00) Companies as Long-Term Wealth Structures
(30:30) What Tax Changes Are Coming? GST, Bracket Creep & Trusts

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Recorded and produced by

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

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Have you ever wondered why some people make financial decisions with ease while others constantly struggle to strike a balance between living for today and saving for tomorrow? In this episode of The Purposeful Investor, hosts Aden Wilkins and David Andrews are joined by a world-leading expert in behavioural decision-making: Professor Hal Hershfield from UCLA’s Anderson School of Management. Together, they dive deep into the fascinating intersection of money and psychology. From the "Future Self Continuity" that dictates our saving habits to the hidden dangers of "Hyperopia" (the fear of spending), this conversation provides a roadmap for successful Australian families who want to maximise their well-being without letting money become an obsession.

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Follow David Andrew:
LinkedIn: Davidandrewfamilywealthadviser
Capital Partners: David Andrew

Follow Aden Wilkins:
LinkedIn: Aden Wilkins
Capital Partners: Aden Wilkins

Follow Hal Hershfield:
UCLA: Hal Hershfield
LinkedIn - Hal Hershfield

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Chapters:
(0:00) Balancing a great life today with a secure future.
(1:30) Meet Hal Hershfield
(4:00) How small environmental changes and psychological motivations drive better decisions.
(5:30) Wins of the Week
(9:30) Why do you feel disconnected from the "you" of 20 years from now?
(14:00) Using narratives to visualise the life you actually want to fund.
(20:00) Are we born with a connection to our future selves, or is it learned?
(25:30) What is Hyperopia?
(30:00) How financial modelling gives families the confidence to enjoy their wealth now.
(35:00) Why spending on travel and family memories creates "investment gains" for the soul.
(40:00) The Optimism Trap
(46:00) Hal’s latest project on understanding what truly matters at the finish line.

Recorded and produced by Podwave Studios

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.