Robgoudiefinancialadvice

Robgoudiefinancialadvice Financial Advisor | 27+ yrs experience | CFP® & SMSF Specialist™ | Helping you invest smarter, grow wealth with confidence
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06/07/2026

Unlock the secrets to super success! Did you know you can have up to $2.1 million in super tax-free from July 1? Whether you’re 60 or just planning ahead, smart moves now mean more freedom later. Don’t miss out on these game-changing tips!

05/07/2026

We’ve never seen the property discussion and debate this strong here in Australia. And I think it’s a healthy discussion, because for me it’s really highlighted the risks that are are present and have always been there. Namely the amount of debt people are taking on based on the false promise that property will always double every 10 years. While that’s happened in the past for many people, when any asset is driven by debt, asset bubbles form, the risk becomes greater than ever. General Advice Only

03/07/2026

Knowing when to spend more in life and and in retirement is vital to make sure that you’re building memories by doing fun stuff which will ultimately reduce future regret. But how do you know how long our healthy years will last compared to our more dependent years when we are less able to get out and about and do the things we enjoy? I highly recommend you check out the my longevity website which considers these years based on the individual. There is a free analyser that can help guide you based on genetics and lifestyle. General advice only. 

02/07/2026

Replying to any funds received from the sale of your home will be exempt from the assets test for up to 2 years while you make the move to find your new primary residence. This exemption can push out for three years for unusual circumstances where it makes it very hard to purchase your new home. The funds will also be deemed for the income test which is generally not a problem for retirees on the age pension that are not receiving any income from employment. I highly recommend people seek financial advice when it comes to Centrelink and the age pension in special circumstances like these. General advice only. 

02/07/2026

Replying to Marija Ribicic whilst nonconcessional contributions to Superannuation won’t provide you a tax deduction on the money you invest only a concessional contribution can reduce your taxable income. The benefit of doing this is that any future income that you earn from that investment will be taxed with Superannuation at either 15% or once with pension at 0% instead of your marginal tax rate. This strategy becomes more attractive as people get closer to preservation age which is age 60 which means you have access to some of your Superannuation. General advice only. 

02/07/2026

Are you 50 and thinking about your future? Max out your super now and save BIG in the long run! Why pay 30%+ in taxes when you can boost your super and pay less interest on your home loan? It’s all about smart money moves! Check out my calculator and start making your dollars work harder for you today!



General information only. Robert Goudie is an Authorised Representative (No. 235974) of Consortium Private Wealth Pty (AFS Licence 495401)

01/07/2026

Thinking of holding or dollar cost averaging? At all-time highs, DCA can be a smart move, buy the dips, ride the waves. Waiting for the perfect moment might leave you too scared to act when it counts. Markets are unpredictable, but one thing’s for sure, the more you hesitate, the more opportunities you might miss!

30/06/2026

A quick thought I had over the weekend when we consider the two main ways. People build wealth here in Australia and that is via investment property ownership or invest investing into Superannuation and of course most people do both. Perform a cash flow point of view there’s a stock difference between the flexibility between debt levels and commitments to a bank compare compared to invest investing by concessional contributions into Superannuation. I often see people with cash flow issues because of high debt levels which are restrict their ability to get the easy wins of concessional contributions? The ability to wind concessional contributions into Superannuation up or down depending on your cash flow needs at the time is for me clearly a huge advantage and helps people get the balance right between the present day and looking after our future selves. General advice only. 

29/06/2026

Thinking of releasing a bit of equity to buy shares? Timing is everything! When markets dip, do you panic or pounce? Remember, volatility can be your mate if you stay calm and play smart. It’s all about how you behave in these moments.

29/06/2026

Running retirement projections is one of the most important things I can do to prove my strategies to my clients. It helps answer the big questions about when can I retire? How much can I spend? And do I have enough? I can spend hours teaching people about retirement strategies, where to invest and why, ensuring they pay as little tax as possible. But it’s not until we complete retirement projections till we see the a-ha moment where people understand and feel confident to retire and confident to spend the right amount at the right times. In this video wanted to focus on how important it can be to retire a couple years later or even to work part-time it makes a massive difference to the longevity of your money. As always this is general advice only. 

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