Fine Answers

In this episode of the Fine Answers Podcast, Jonathan Tolub from InvestSense breaks down the latest market trends and shares insights on navigating uncertainty in 2026. From the geopolitical tensions in Iran and potential oil price shocks through the Strait of Hormuz, to the rise of AI and its impact on tech and software companies, we cover how these factors affect inflation, growth, and investment portfolios.

💡 Key Takeaways:
Base and worst-case scenarios for the Iran conflict and potential market impact. How energy prices and inflation could shape the global economy. Portfolio strategies for navigating short-term volatility. The lon...

Ever wondered what it takes to keep a small town cricket club thriving? 🏏

On this episode of the Fine Answers Podcast, Ben Kemp chats with Wes Grigg, President, Club Captain and all round legend at the Barrabool Cricket Club, about 44 seasons of cricket, community and building a club that feels like family.

From growing up in Ceres and running his own building business to mentoring juniors, supporting women's cricket and keeping volunteers motivated, Wes shares what makes a club more than just a place to play sport.

If you love stories about teamwork, lea...

Join Tom Simic from Simic Financial as he explores the virtual CFO role, why small and medium businesses need it, and how forward looking financial strategy transforms growth, profitability and operations. Tom shares real examples from startups to hospitality and explains how he built a thriving advisory firm from the ground up. 📌 In this episode you will hear about: • The evolution of the virtual CFO role • Practical business strategies to improve profitability, cash flow and efficiency • Strategic planning, business valuation and scaling • Networking, mentorship and building community in Geelong 👉 Connect with Tom and Simic Financial: 🌐 Website: SimicfinancialSimic Financial 📸 Instagram – Simic Financial: 📸 Instagram...

Let's be honest — most young people don't think about estate planning. It sounds like something for much later in life… right?

 In this episode, we chat with Alannah Matchett from Harwood Andrews about why things like wills, powers of attorney, super, and even your digital accounts actually matter more than you might think.

 We talk about what happens if you don't have a will, why your super could be worth a lot more than you realise, and the simple steps you can take now to make things easier for the people around you.

It's n...

Why does every small business feel like it needs its own media team?

 Jobe Neal and Ben Cook from Recreate join Jay to unpack the shift from "just running a business" to "being a content creator" and why strategy matters. From building trust and attracting top talent to creating high-quality content that actually converts, they share the real reasons businesses are investing in media today.

Key takeaways:

• Show your team, build trust and attract clients and talent

• Avoid the "likes dopamine trap" and focus on real results

• How purposeful, high-qu...

Interest rates are rising. Capital Gains Tax changes are being floated. Inflation isn't backing down. In this episode, we break down what's actually happening — and what (if anything) you should be doing about it.

We cover:

• CGT explained in plain English

• Why governments consider changing tax concessions

• Who rising rates really hurt — and who they help 

• The importance of cash flow "hygiene" in uncertain times

No panic. No overreactions. Just practical financial clarity to help you stay strategic when headlines get loud.

If you want to make decis...

In this episode of The Fine Answers Podcast Ben and Bridee unpack debt recycling what it is, who it is for and how it can help you build wealth while reducing bad debt.

Learn the key concepts real life examples risks and strategies for getting started plus why cash flow and timing are crucial. Whether you are just getting started with investing or looking to optimise your finances this episode is packed with insights for all ages.

Topics covered:

What is debt recycling and how it works Difference between good debt and bad...

Imagine waking up at 60 and realising your younger self gave you the ultimate gift: financial freedom. That gift starts with one word — superannuation.

In this episode of The Young Minds Podcast, we break down superannuation in a clear, practical way for young Australians. From what super actually is and how much your employer must pay, to investment options and insurance inside super, this episode is all about helping you feel confident with your money.

We explain how the super system works, common mistakes people make (like unpaid or forgotten super), and why checking your super ea...

Welcome to an episode that makes debt feel a whole lot less overwhelming. We break down the most common types of debt young Australians face, why they sneak up on you, and how to take back control without the fear or financial jargon.

 In this episode: Why you don't need debt to build a credit score. Buy Now, Pay Later, credit cards, and how they really work. HECS/HELP loans explained in plain English. Smart ways to manage (and reduce) debt without stress. How better debt habits can set you up for long-term financial freedom.

C...

Aged care in Australia is changing and many families are only starting to realise what that means for them. With new rules now in place, more of the cost of care is being shared with individuals based on their income and assets, making forward planning more important than ever.

 In this episode, Jay and Delta discuss the broader changes affecting both support at home and residential aged care. They talk through why cash flow matters, how costs are assessed, and why having early conversations can help avoid rushed decisions during already stressful times. The discussion also touches o...

In this episode of Young Minds Podcast, the team sits down with Jay to talk about why financial advice matters especially when you're young. They unpack budgeting, first homes, investing, HECS, and the idea that some of the best financial wins don't show up straight away. It's an honest chat about getting the basics right early and building confidence with money over time. If you're trying to make smarter money decisions without the noise, this one's worth a watch. What part of your finances are you focused on right now?

 If you'd like to get in touch w...

Market Update with Sam Crompton | Uranium, US Policy & Global Investing

Sam Crompton, Senior Investment Advisor at Shaw and Partners, breaks down the latest market trends, global investment opportunities, and what's shaping 2026. 

🔥 Highlights:

$100 billion US nuclear investment and why uranium is the energy story of the decade.

Australian market insights: banks, housing, and overlooked opportunities Key global funds and tech plays to watch 

Practical tips for navigating volatility and spotting growth 

Get expert insights, actionable advice, and a clear view on where the money is flowing - both in Aus...

In this week's episode, Ben is joined by Jonathan Tolub to break down how portfolios are positioned as we head toward the end of 2025 and why diversification is still doing the heavy lifting.

They discuss why being underweight the US doesn't mean being out of it, how Europe, Japan and emerging markets have outperformed this year, and what's really happening beneath the headlines in US tech and AI. The conversation explores whether there's an AI bubble, how rising capital spending and debt are changing risk for big tech, and why timing the market is rarely the answer.<...

Can a 5% deposit really get you into your first home or is it just a recipe for long term debt? Are you tempted to tap into your super to buy a property and what does it mean for your retirement? Plus, why are more young Australians staying at home longer and how can families plan for it?

In this episode of The Fine Answers Podcast we cut through the hype and give you the practical answers you need:

• What first home buyers really need to know about 5% deposits

• Hidden costs that could blow your...

Ever feel like your business is running on pure energy and enthusiasm but you keep hitting a ceiling? In this episode of The Fine Answers Podcast we chat with Reyan Fernando, professional EOS implementer, about his journey from IT and running his own business to helping leadership teams scale and grow.

Reyan shares how EOS, the Entrepreneurial Operating System, brought structure, accountability and clarity to his teams, especially during tough times like the 2020 lockdowns. He breaks down how it works with Vision, Traction and Healthy, and why having the right people in the right seats makes all...

We're thrilled to have Lacey McKenna and Edwina Hill from Right at Home, experts in home care and assistance, joining us on the podcast today! 🙌

 It's a full house with the four of us, and we're diving into some really insightful conversations about home care, support, and what it takes to make a real difference for families.

Lacey and Edwina share their experiences, tips, and stories from the field, giving us a behind-the-scenes look at the challenges and rewards of providing care at home. Whether you're curious about home assistance, caring for a loved one, or ju...

Welcome to an episode that makes insurance actually useful. We break down what insurance is, why it matters, and how it can protect the lifestyle you're building (without the jargon.)   In this episode: The four main types of personal insurance: life, TPD (total & permanent disablement), income protection, and trauma/critical illness. When each type becomes important and who should prioritise what. How insurers assess risk — loadings & exclusions explained simply. Ways to pay for cover (personally vs through super) and why it matters. How to check if you already have cover in your superannuation. Practical next steps for young adults starting the...

Ever wondered what it really takes to start your own business?

In Episode 5 of the Young Minds Podcast we break down the key steps to turn an idea into a thriving venture. From finding a gap in the market, creating a simple business plan and setting goals, to knowing when to fund your business and start paying yourself, we cover all the essentials every young entrepreneur should know.

💡 What you will learn in this episode:

In this episode we sit down with Paul Snow, Principal Lawyer and Director at HG Legal and Conveyancing, for a deep but down to earth chat about the reality of estate planning, superannuation and the not so hidden "death tax" in Australia.

Paul shares his personal journey from footy fields and boxing gyms to building a thriving legal practice and why creating community, mental resilience and financial security all tie together. We unpack:

💼 Why most Aussies don't actually "own" their super the way they think they do

🏡 How to make sur...

Ever wondered if your home loan or investments could actually work for you?

In this episode, we dive into smart financial strategies for building long-term wealth, including:

Whether you're planning for your family, exploring smarter investment options, or curious about growing your wealth, this conversation is packed with insights you won't want to...

Buying your first home in Australia? Let's talk about the stuff no one really explains.

From saving for a deposit to dealing with banks, LMI, guarantors, and pre-approvals — we unpack what it actually takes to buy your first place (and avoid getting stuck in massive debt 💸).

We're joined by financial advisor Ben from Bourke Britton Financial Partners to chat about real-life money moves, the pros and cons of building vs buying, and why serviceability matters more than you think.

No jargon. No lectures. Just an honest chat about what it's really like trying to bu...

Welcome to Episode 3 of the Young Minds Podcast. This episode is all about investing — explained simply, without jargon, so you can start building wealth early.

You don't need a lot of money, years of experience, or a finance degree to begin. With small consistent steps and the right tools, anyone can start investing.

In this episode we cover:

What investing really means

Why you don't need to wait until you're older or richer

Common types of investments: shares, property, ETFs, crypto and more

Un...

In Episode 140, we dive into what it really takes to build smarter businesses that last. From embedding accountability and strong systems, to using data and technology more effectively, this conversation is all about moving beyond the mechanics and into the heart of sustainable growth. Jo Hall and Greg Davis share their perspectives on why curiosity matters, how leaders can create clarity for their teams, and why treating every staff member (no matter where they are in the world) like a true part of the business is essential.

Choosing your career path straight out of high school can feel overwhelming. Should you follow passion, chase income, or just take the first opportunity that comes your way? In this episode, Daniel & Bridie chat with Delta, a financial advisor at Burke Britton, about:

In this deeply moving episode of our podcast, Karen Wright opens up about the unexpected loss of her partner and how it reshaped her life, family, and perspective on planning for the future. Karen candidly shares her experiences of being under-insured, navigating financial challenges, and raising a young daughter after a sudden loss.   She emphasises the importance of preparing for impact—having conversations about life's "what ifs," securing the right insurance, and ensuring families are protected even in the most difficult circumstances. Karen's story is a powerful reminder that while we hope for the best, planning for the unexpected can mak...

🎙️ Young Minds Podcast – Episode 1 | What's Keeping You Broke? Welcome to the very first episode of the Young Minds Podcast, where we talk money, mindset, and making smart choices for the future. In this pilot episode, hosts Bridee Parker and Daniel Herceg sit down with Jay Burke to ask the big questions young people want answered:

In this episode, we sit down with Daniel Herceg to chat about his journey into finance and how he's found his place here at Burke Britton. From starting out fresh in the industry to becoming a trusted part of our team, Daniel shares what drew him to financial planning and why helping clients goes far beyond just numbers.

In this episode of the Burke Britton Podcast, we sit down with Taylah Neil and Sarina McLean to explore what it's like to take a leap into a completely new career path. Both Taylah and Sarinaa made bold moves, stepping away from their previous industries to pursue a future in financial planning. Just months into their journey with Burke Britton, they share openly about the challenges, the steep learning curves, and the rewarding parts of helping people navigate their finances with clarity and care. From adapting to structure and process, to discovering how transferable skills can open new doors, their...

In this special client spotlight episode, we sit down with Lee Ganino, who spent the majority of his working life with SPC (Shepparton Preserving Company). Over decades in the workforce, Lee has experienced industry shifts, leadership challenges, and moments that have shaped not only his career but his outlook on life.

In this episode with Georgia Agar, we explore some of the biggest changes to family law in Australia. From the recognition of support animals in separations to the impact of family violence on property settlements.

In this episode, we sit down with Steven Gray—Director at Utilitise IT and Land On Heart—to unpack the real tech challenges small to medium businesses face. From cybersecurity risks to the overuse of AI, we explore how businesses can avoid common tech traps and use smarter digital strategies to support growth. Steven shares his journey from corporate IT leadership to founding two purpose-driven tech businesses, including his work in remote Indigenous communities through Landon Hart. We also dive into how AI and data can either be game changers—or dangerous distractions—without the right strategy and support. Whether you're s...

Buying your first home can be exciting, and overwhelming. In this episode, we chat with Paddy Dwyer, a mortgage broker who's passionate about making the process clear, stress-free, and built for long-term success.

We dive into: 🏡 Why first home buyers need guidance (and why Paddy loves working with them) 💸 How to plan for lending, equity, and borrowing capacity 👨‍👩‍👧‍👦 The role of parents, family guarantees & "Bank of Mum & Dad" 🔍 When to refinance, and how to avoid mortgage prison 📊 Why working with a broker, accountant & adviser as a team matters Whether you're saving a deposit or ready to buy, this episode is packed with practic...

Is the global economy heading into a recession, or are we looking at something more complex? In this episode, we're joined by Jonathan Tolub from InvestSense, an investment expert with over 22 years' experience in markets, asset management, and portfolio construction. Together, we explore:
What the latest U.S. data and debt issues might really mean 🇺🇸
Why gold is back in the spotlight, and how it's performing 🪙
The risks and opportunities in currency hedging 💱
CBA's surprising share price performance, and what could come next 📊

Whether you're an investor, a business owner, or just trying to make sense o...

🎧 "They thought they'd get $800 a week in rent—reality was $550."

In this episode of The Fine Answers podcast, we're joined by Shane Fordham, Senior Investment Property Advisor at Logic Partners.

Rob Osborne on Why Your Health Shouldn't Be the Trade-Off – physiotherapist and regional leader at Kieser Geelong, Ocean Grove & Torquay. We dive into the classic juggle between time, money, and health – and why your mobility shouldn't be the thing that holds you back when life finally opens up. From small-town England to leading the charge at Kieser, Rob shares real talk on strength, longevity, and what most people overlook when it comes to ageing well.
🎯 How physio became his path
💬 The hidden cost of ignoring mobility
💪 Why strength training is your secret weapon

Hit play, then dr...

In this episode, we welcome Mitch Falzon from The Geelong Agency — a proud born-and-bred local with a story that breaks the typical real estate mould. From being known as "the chicken guy" in hospo to becoming a trusted agent, Mitch shares how service, relationships, and values have shaped his path.  

We talk about why he took a break from the industry, what hospitality taught him about people, how he hires based on character, and why letting go of ego changed everything. He also shares how he found his way back to real estate, his approach to marketing, and...

In this episode of the Fine Answers Podcast, we sit down with Lucy Gaff, Distribution Manager at Netwealth — a powerhouse in Australia's financial services scene. 🚀

In this episode of the Fine Answers podcast, we're joined by Rohan Braddy and James Rubeli from Gateways Support Services.

Together, they dive into how their organisation is tackling challenges head-on by embracing new technology and staying committed to delivering high-quality support for people with disabilities.

From strategic planning and financial management to keeping their mission front and center, Rohan and James share valuable insights into what it takes to create real, lasting impact in the community.

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