Your Money Story

Feminism in Financial Advice In today's episode, we're joined by Trish Gregory, an advocate for including the feminist lens in financial advice. Trish discusses the significance of supporting women within the financial advice profession and beyond. Insights into the challenges women face in the workplace, particularly regarding personal experiences and life cycles. Creating Inclusive Workspaces: Trish highlights the importance of fostering openness and inclusivity in workspaces, especially concerning topics such as women's life cycles. Discussion on how Fox & Hare, leads by example with inclusive company policies and practices. Humanising Financial Advice: Trish emphasizes the importance of bringing the human side to financial advice, going beyond numbers to build meaningful relationships with clients. Insights into how open conversations and empathy contribute to creating a supportive and empowering environment for clients. Role Modelling Diversity and Inclusivity: Trish shares how Fox & Hare serves as a role model in promoting diversity and inclusivity within the financial advice profession.Discussion on the impact of company culture on attracting and retaining talent from diverse backgrounds. Empowering Professionals and Clients: Strategies for supporting individuals on their financial journeys, regardless of their background or life circumstances. Trish's advocacy for creating spaces where all individuals feel valued and empowered to achieve their financial goals. Stay tuned for more thought-provoking discussions as we continue to explore Your Money Story. Connect with Trish on Social Media (LinkedIn, Instagram and Tik Tok) Don't forget to subscribe and share your thoughts on today's episode!   General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Episode Title: It is Not About the Money with Jenny Rolfe-Wallace Introduction: Joining us today is Jenny Rolfe-Wallace, owner of Sprout Education Group, and a passionate advocate for uplifting women in the financial services profession. Jenny is self-described as a feminist, financial education specialist, bibliophile and thrives on helping people change how they think and feel about money. Key Discussion Points: Jenny's Journey in Financial Advice: Jenny takes us on her journey in financial advice, starting in 1999. Insights into the challenges and triumphs she faced and how these experiences shaped her advocacy for women in the industry. The launch of her podcast “It is Not About the Money”: This is Jenny’s passion project to add much needed conversations with a feminist lens. Intersectionality: A deep dive into the complexity of intersectionality within the money conversation. Jenny's perspective on addressing the unique challenges faced by women with diverse backgrounds and experiences. Championing Women inFinance: Jenny's role as a cheerleader for women in finance, offering support and guidance that she wished for earlier in her career. The value of collaboration and how it plays a pivotal role in advancing the outcomes of women in the financial services profession. International Women's Day Beyond Symbolism: Jenny shares her firm views on approaching International Women's Day in a meaningful manner. Insights into organising her recent "It's Not About the Cupcake" IWD event, focusing on paying speakers and ensuring a diverse panel, despite being a micro-business. Financial Literacy vs. Financial Capability: A critical discussion on why the focus should shift from financial literacy to financial capability. Jenny's perspective on measuring financial success and the importance of empowering individuals to navigate their financial journey effectively. Book Recommendations from Jenny: Jenny, an avid reader, shares some of her favourite finance books. Discussion on the growing trend of finance books authored by women, providing more relatable content for women in finance. Links: Sprout Education: https://sprouteducation.com.au/ It’s not About the Money Podcast: https://open.spotify.com/show/42wzpQWPbbs54kCWAmFuYg?si=740ba3310007404d Don't forget to subscribe and share your thoughts on today's episode! General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

DEI Action, Not DEI Talk Introduction: Welcome back to "Your Money Story," where we dive deep into crucial financial discussions. Season kick-off with our regular guest, and ally Tim Henry, sharing his views on the WGEA gender pay gap report, especially how it pertains to the financial planning profession Key Discussion Points: Gender Pay Gap in Financial Planning: nsightful take on the WGEA Gender Pay Gap report and its implications for the financial planning profession. Tim advocates for increased representation, citing that only 23% of financial advisers are women. Impact on Financial Advice: Tim delves into his belief that having more women in financial advisory roles can significantly enhance the accessibility and appeal of financial advice. Discussion on the correlation between gender diversity in the industry and the broader reach of financial planning services. Scathing Critique of Gender Pay Gap in Financial Services: Tim doesn't hold back in criticizing the gender pay gap results within the financial services industry. Analysing the implications of these disparities and their effects on both professionals and clients. Progress on Diversity, Equity, and Inclusion (DEI) Strategies: Tim shares his journey in implementing DEI strategies within his business, Aspire Planning. The use of Financy's Impactor program as a benchmark for measuring progress and impact. Real-world examples of initiatives aimed at fostering a more inclusive and equitable work environment. Guest Profile: Tim Henry, owner of Aspire Financial Planning and host of "The Grass is Greener" podcast. Stay tuned for more enlightening episodes as we navigate the intricate web of Your Money Story. Links: Aspire Planning: https://www.aspireplanning.com.au The Grass is Greener Podcast: https://www.tgigpodcast.com.au/ Don't forget to subscribe and share your thoughts on today's episode!     General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Welcome to Season 4 of "Your Money Story!" We kick off our new season with a powerhouse guest, Lacey Filipich, a regular season starter and a change-maker. As we launch just before International Women's Day, Episode 1 dives deep into a crucial topic - the myth of Imposter Phenomena and why fixing the system is the real solution. Show Notes: Joining us for this impactful conversation is Lacey Filipich, an advocate for real change. Launching just before International Women's Day, we're thrilled to bring you a discussion that challenges the status quo. Exploring the Myth of Imposter Phenomena: Lacey Filipich shares insights into the myth of Imposter Phenomena and why it's not a syndrome. Delve into the damaging effects of perpetuating this myth, especially for women in various fields. Title of the Episode: "Fix the System, Not Women": Uncover why fixing the system is the key to empowering women and creating a more inclusive environment. Lacey's perspective on real change for International Women's Day. Real Change for International Women's Day: Lacey provides actionable steps and strategies for creating tangible change. A call to action for listeners to be a part of the solution. Closing Thoughts: Reflect on the importance of addressing systemic issues and supporting women in their authentic journeys. Stay tuned for more empowering conversations in Season 4! Links Mentioned: Stop Telling Women They Have Imposter Syndrome: https://hbr.org/2021/02/stop-telling-women-they-have-imposter-syndrome Imposter Syndrome is Sexist, Actually: Embracing Your Feelings as Protest: https://bookishbrews.com/overcoming-imposter-syndrome/#:~:text=Through%20this%20lens%2C%20we%20already,was%20never%20meant%20to%20exist Financy Women’s Index: https://financy.com.au/financy-womens-index-report/ Workplace Gender Equality Agency: https://www.wgea.gov.au/about/reporting How to Connect to Lacey: Follow Lacey Filipich on LinkenIn and MoneySchoolOrg on Instagram and Facebook. https://www.moneyschool.org.au/   Thank you for joining us in Episode 1 of Season 4! If you enjoyed this episode, don't forget to subscribe, leave a review, and share it with your community. Together, let's continue rewriting our money stories. Until next time, stay empowered!   General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Grace has had a a good start in money journey with parents who have kept money conversations active in her world since she was young. When she went to university, already with strong budgeting skills, she realised that other people did not have that level of financial literacy. Her business Financially Empowered provides money coaching to business owners. Additionally serves on multiple board and facilitates the Emerging Leaders in Governance program. She serves the community further through financially literacy work through schools, money education sessions for Migrant women and teaching at University. She has been recognised by UN Australia for her community work. Financially Empowered: https://financiallyempowered.com.au/ General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Jessica Brady aims to help people get better financial habits and experience through Green House, her money program for the community She is a key advocate for lifting the financial outcomes of all women in the community as well as for the financial planning profession. Jess talks about the role vulnerability and inclusivity in her plays in her career and the amazing content she shares. Link to Greenhouse:https://jessicabrady.com.au/the-greenhouse/ Link to Ladies Talk Money: https://www.ladiestalkmoney.com.au/ General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Kelly King is authentic, has integrity and delivers on her commitments. She talks openly and honestly about domestic violence she has faced in the past and why this makes her passionate to empower and educate other women, to be financially independent. She is a champion of women in the community not only in lifting financial literacy but would like the tribe of women celebrating their achievements to grow. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Daniel is a fierce advocate and leader of the financial planning profession. In this episode he discusses his journey before advice and how that helped him with the changes in the profession in the last 5 years, why he feels it is important to lift peers in the industry and why he invests so much time developing the new generation of financial advisers. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Glen is a leader in his profession for taking a different pathway and truly being a champion of diversity & inclusion. Diversity not just in his staff but diversity in the financial planning service offered and including more Australians in the money empowerment journey. Not only is Fox & Hare B Corp certified, they are leading the conversation on how businesses can exist differently, General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Ben describes himself as an adviser and researcher. Ben is close to finishing his PhD with research focusing on improving how we can provide financial advice, whether it is from technology, analysing the Statement of Advice or the impact of gender and education on misconduct. Ben's energy is infectious. This episode, we uncover why someone would be driven to combine research while still owning a business as well as what kind of change he is trying to create within the profession he works in.  General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Cara Graham shares how it is to have reached all the traditional pinnacles of success in financial advice, and yet still walk away to a different path, once she wanted to define her unique pathway to success: having the family life she wants while still delivering exceptional client outcomes. Cara, award winning principal adviser at The Wealth Designers, is currently on 12 months parental leave. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Lacey discusses the progress of women in the last 12 months in her third  International Women's day episode on Your Money Story. We discuss Brittany Higgins, Jacinda Arden, Election Results, Penny Wong, the Voice to Parliament, the over turning of Roe versus Wade and other significant topics. Lacey also shares her own experience with blatant discrimination. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

Tim joins us for his third IWD episode. He shares what drives him to advocate for closing the economic gender gap, his advice for others who would like to be allies and the resources he draws on, to help with conversations around this topic. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

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This Episode we discuss intergenerational financial considerations with ‘The Money Sandwich Author, Marc Bineham. We discuss how the Sandwich Generation, who are people in their 50s to 70s, have increased challenges due to looking after aging parents or assisting their children. Marc shares how people of all ages, can be better prepared for their financial futures. Marc is also a speaker and podcaster. He has had over 30 years’ experience as financial adviser and has provided prominent industry representation. He is an advocate of improving financial literacy in Australia and is now assisting the community by providing financial coaching. Money Sandwich Website: https://themoneysandwich.com/ LinkedIn: https://www.linkedin.com/in/marcbineham/ Money Sandwich Podcast: https://open.spotify.com/show/5ZAq32y9PKGIgy9oyt8ijO?si=O02mzY9NQkysIb5CghAJfQ General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

For this special Mother’s Day episode, I speak to Amie Baker who is the NSW chair of Association of Financial Advisers Inspire group. Amie is the director of Rekab advice, a certified money Mindset Coach and podcast host of Censibility. In this episode we look at how our childhood experiences, shape how we view money and self-worth as adults. Amie unpeels while it can be hard for women to negotiate for things like equal pay or more flexible work arrangements. She highlights some aspects of a mother’s money mindset. The message for women and parents, is to be kinder to themselves and take the time to note the things you are grateful for each day. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

This week I speak to Wadzi Nenzou who is the Founder and CEO of Herconomics. Wadzi’s mission is to remove the barriers Australian women place on themselves, when it comes to investing in the share market. She believes that having knowledge and the confidence to invest in shares can help women build long term financial independence.  Growing up in Zimbabwe, she witnessed the limited choices women had, if they had no financial independence. Her joyful drive for her work, comes from knowing that by helping more women, she is helping them find more opportunities for themselves and live an empowered life. Connect to Wadzi: LinkenIn: https://www.linkedin.com/in/wadzanainenzou/ Website: https://www.herconomics.com/ Facebook: https://www.facebook.com/herconomics General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

This episode Karyn Lander shares her perspective about relationship and business break ups. She is a leader in her industry and known as a passionate forensic accountant, who is truly in her clients’ corner. She stresses the importance of knowing your financial structure, including any entities that have been set up via the family or business unit. Her role gives her access to people, typically women, who have been knee deep in the operations of a household or business, who are then forced to confront and uncover their financial set up when a divorce happens. For example, it can be upsetting to see the financial proof of when an affair has started, seeing the purchase of things like Tiffany Jewellery. We discuss the taboo topics that professional women delicately navigate such as the importance of financial independence, divorce and domestic violence. As a mother, she shares some of the conversations she has had with her children to help them when they reach adulthood. Karyn is an associate director at BDO and has been in the accounting profession for almost 30 years. Connect to Karyn on  LinkenIn: https://www.linkedin.com/in/karyn-lander-11ba6197/ https://www.bdo.com.au/en-au/our-people/karyn-lander General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

This episode, Thaw Thaw Htin, Principal at Bennett + Co and leader in the commercial law space, shares her views on what causes difficult commercial disputes. Often, there has been long standing trust between commercial or business partners, and that trusts breakdown over time due to various reasons. Thaw Thaw feels that knowledge is key to protecting your position within a commercial agreement. Even if financials and numbers are not your strong suit, she suggests getting an independent professional to take you through your business position. This will not only give you the confidence that your business set up is working well for all parties, but it can minimise future problems. Thaw Thaw worked at the Australian Securities and Investments Commission (ASIC) where she gained experience in regulatory investigations, advised on financial services laws and managed enforcement actions against financial services providers. This work at ASIC saw her and her team receive an Australia Day Medal in 2012. She was born in Burma and spent time in Malaysia before coming to Australia. She shares how this has shaped her career and money story. Find Thaw Thaw on LinkendIn or https://bennettandco.com.au/our-people/thaw-thaw-htin/ General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

This episode I speak Sarah Jones, Principal of Illuminate Law. Sarah is passionate about family law and helping people through one of the vulnerable points in their life: divorce. She feels disputes often are about a breakdown in communication. She has seen growing up that creativity can make frugality an ingenious endeavour. As a family lawyer she has tips on how people can navigate relationship breakdowns better and outlines the minimum knowledge you should have about your partner before you get into a long-term relationship. She sees divorce as the end of one aspect to a relationship. When children are involved, she feels that people should see it as a new relationship because successful co-parenting requires communicating and respect. Sometimes has to deliver the cold, hard truth that how a client wants to live financially after the divorce, may not be possible. Illuminate Law Website: https://illuminate.law/ LinkendIn:https://www.linkedin.com/in/sarah-jones-family-lawyer/ General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).