A listener asks a simple question: if Dad withdraws his super and puts it into a term deposit, will it affect his Age Pension?

In this episode, Nathan and Jordan unpack why this is not as straightforward as it sounds. What starts as a pension question quickly opens up into a much bigger conversation around estate planning, death benefit tax, and the trade-offs of taking money out of the super system.

They explain who can receive superannuation on death, how tax applies to adult children, and why some families consider withdrawing funds to avoid future tax. But they also highlight the hidden costs, including losing the tax-free environment of super and potentially paying more tax during retirement.

The discussion also covers how Centrelink assesses super versus cash, and why the timing of when a pension was started can make a difference.

This episode is a practical guide to thinking through the bigger picture before making a decision that may be difficult to reverse.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

If you have started helping your parents with their finances and discovered old share certificates, registry paperwork, or investments scattered across different companies, this episode is for you.

Nathan and Jordan talk through why old shareholdings can become so stressful during major life changes like aged care, bereavement, retirement, or stepping in under power of attorney. They explain what issuer-sponsored shares are, why they can be difficult to manage, and how families can start bringing everything into one place.

In this episode, they cover:

• Why old share investments can be hard to track down
• How share registries work
• The difference between issuer-sponsored shares and broker-sponsored holdings
• Why tidying things up early can make life much easier later
• Why records matter for tax and estate administration

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143

If you inherit some money or a property, can you protect it from any future claim by a spouse if you seperate? It's a common concern, and a an area of Family Law full of confusion and in some cases misinformation.

In this episode Nathan is joined by Jemma McKenzie, Accredited Family Law Specialist and Partner at Forte Family Lawyers to clear up some of that noise and clarify what can or cannot be done.

Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.

Jemma McKenzie

https://fortefamilylawyers.com.au/

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143