Weaving Gold | A Money Podcast

In this shorter episode, a listener asks whether it makes sense to move their Mum from one aged care facility to another after a preferred room becomes available.  Nathan and Jordan walk through the emotional, practical and financial considerations of changing facilities, including new agreements, RAD transfers, interest rate resets, reassessments with Services Australia and how pre November aged care rules are treated when a move occurs. This episode helps families avoid costly surprises when considering a move for a loved one already in care. 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.

Can shifting superannuation between spouses increase your Age Pension entitlement? In this episode, Nathan and Jordan unpack a common listener question about moving super into a younger spouse's account to reduce assessable assets.  They explain how the Age Pension asset test works, when this strategy can be effective, and the trade-offs around tax, access to funds, Centrelink reporting, and long-term retirement planning. This is a general discussion only and highlights why personalised advice matters when making major retirement decisions.   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.

Many families consider buying a property for an ageing parent to live in under a granny flat arrangement. This episode covers a question from a listener over whether you can charge rent as part of a Granny Flat Arrangement. Nathan and Jordan unpack the difference between what is allowed under Centrelink rules and how the ATO views these arrangements. They explain why charging rent can accidentally turn a family agreement into a commercial arrangement and trigger unexpected tax bills. This episode is essential listening for anyone thinking about property, pensions, and supporting parents later in life. 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.

Granny flat agreements are about far more than buildings or money. They are about expectations, care, fairness and protecting family relationships. In this episode, Nathan and Jordan unpack the key considerations families should discuss before entering a granny flat or co-living arrangement. From personal care expectations and household costs to estate planning, divorce risks and dispute resolution, this conversation helps families think through what sits beneath the surface before formalising any agreement. NOTE: Nathan's mic misbehaved so we apologise for his audio this week.  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.

Receiving an inheritance can feel like a blessing and a burden at the same time. In this episode, Nathan and Jordan unpack how an inheritance affects the Age Pension, why it often triggers frustration and fear, and what practical options retirees can consider. From Centrelink rules to spending confidence, lifestyle choices, and financial strategies, this episode provides a calm introduction to a complex and emotional topic. 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.

What starts as a simple question about downsizing and an inheritance often hides something much bigger. In this episode, we unpack a real client case where the surface questions were about selling a house and investing money, but the real issue was whether retirement could happen sooner than expected. Through careful planning, timing and understanding the rules around downsizer contributions and super, this couple unlocked options they did not realise were available. This episode shows how good advice is not just about numbers, but about listening for what is not being said.   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.

Many parents are being asked to go guarantor so their adult children can buy a home.  In this episode, Nathan and Jordan unpack what being a guarantor actually involves, the risks most families overlook, and how it can quietly derail your retirement plans. They talk through the emotional pressure parents feel, what can go wrong if things change, and the importance of having clear conversations and boundaries before signing anything. This is a practical and honest discussion for anyone weighing up whether helping their child could put their own future at risk. 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.

Christmas often brings emotional pressure, rising costs, and financial stress. Nathan and Jordan talk through why Christmas spending feels overwhelming and share a simple strategy to take the pressure off next year. From setting up a Christmas savings account to rethinking gift expectations and family traditions, this episode focuses on practical steps that help you feel more in control and enjoy the season without the financial hangover.   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.

Christmas often brings families together for the first time in months, and it can also highlight changes in ageing parents that are easy to miss during the year. In this episode, Nathan and Jordan explore what to look for when you notice Mum or Dad might not be coping, how to approach sensitive family conversations, and how to plan Christmas when a parent is already in aged care. They cover practical signs of cognitive or physical decline, the emotional weight of the season, navigating family dynamics, deciding whether leaving the facility is appropriate, and how to manage roles, expectations and care needs. A clear, compassionate guide for families navigating aged care during the holidays. 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.

Christmas can be magical for kids, but emotionally loaded for separated parents. In this episode, Nathan and Jordan explore how to create a peaceful, child-focused Christmas when co-parenting. They cover practical planning, communication, gift-giving expectations, managing extended family, handling school holiday logistics and navigating financial responsibilities. If this is your first Christmas post-separation or you are still finding your rhythm, this conversation offers clear, compassionate guidance to help you enjoy the season while keeping your children's needs at the centre.     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.

Many women approaching retirement wonder whether to stay in the family home or move into a retirement or lifestyle village. In this episode, Nathan and Jordan break down how these arrangements work, the fees involved, what to watch out for in contracts, and how to protect yourself from common pitfalls. They also explore the social, financial and wellbeing benefits when retirement villages are the right fit. If you have ageing parents or you're planning your own next stage, this episode will help you ask the right questions with confidence. 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.

Most conversations about life insurance focus on taking out a policy, not on what happens when a payout actually arrives. In this episode, Nathan and Jordan walk through the real administrative steps, the emotional shock, the delays, and the decisions people face when they lose a partner and a claim begins. They explain why timing varies, what insurers check, how superannuation complicates payouts, why beneficiary nominations matter, and how to avoid rushed choices during grief. This is a grounded, practical guide for anyone wanting to understand what to expect and how to support someone navigating this overwhelming process. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.   Love, Loss and Legacy with Jordan Vaka Life, Loss and Legacy – PlanningSolo | Independent Financial Adviser   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.

In this episode, Nathan and Jordan explore the emotional and financial crossroads many women face when their children move out. They unpack the guilt around reducing financial support, the shift toward prioritising retirement, and why scarcity becomes real the closer you get to finishing work. They discuss how to assess whether ongoing help for adult kids is sustainable, how to avoid unintentionally sacrificing your own future, and how a financial plan can clarify what's possible. They also explore downsizing, blended family pressures, and why putting yourself first is not selfish; it's necessary. Based on real client stories, this episode will help you rethink support, boundaries, and the path toward a secure retirement.   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.

Many people wonder whether they truly need ongoing financial advice or if a one-off plan will do? In this episode, Nathan and Jordan break down what ongoing advice really is,  who benefits most, and why the relationship with your adviser matters just as much as the strategies. They discuss accountability, decision fatigue, changing life circumstances, and tailoring advice to your needs. A practical conversation for anyone questioning whether continued support is worth it   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.

After years of caring for others, through divorce, separation, grief, a TPD claim, or supporting ageing parents, it is common to feel guilty for spending money or time on themselves. In this episode, Nathan and Jordan explore why investing in yourself isn't indulgent… it's necessary. We unpack the practical and emotional benefits of using a small portion of your settlement money or inheritance to rebuild your wellbeing. From personal coaching, psychology, and movement, to nutrition, styling, and confidence; these investments often create greater long-term life satisfaction than anything in your bank account. This episode is about giving yourself permission to come first again. Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch. Nathan's Blog Post: The Second Best Investment You Can Make After a Divorce 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.

Caring for a parent entering aged care is emotional enough... and then the invoices arrive. In this episode, Nathan and Jordan unpack one of the most common questions families ask: Should I pay my parents' aged care fees? They explore: The guilt that often drives the question, What actually counts as "paying fees," the risks of lending money, How powers of attorney affect loan agreements, The impact on means-tested fees, and Why good intentions can sometimes create serious financial and estate problems. This is a must-listen for anyone supporting an ageing parent, navigating sibling dynamics, or unsure how to help without jeopardising their own financial position. 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.

Most people buy personal insurance when life is busy; mortgages, kids, careers; but years later the renewal notice arrives and you wonder: Do I still need this? In this episode, Nathan and Jordan break down the four core types of personal insurance (Life, TPD, Trauma and Income Protection) and reframe the whole conversation away from products and premiums, and toward the events that actually change your life. They explore: • How to think about financial consequences of death, disability, critical illness or temporary loss of income • How to assess what you can "self-insure" vs. what would devastate your family • Why reviewing cover every 1–2 years protects you from over- or under-insuring • The hidden dignity and freedom insurance can provide during the worst moments of life. 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.   

Granny flats aren't just backyard builds; they're legal and financial arrangements that can impact your pension, your estate, and your families harmony. In this episode Nathan and Jordan Introduce the concept of Granny Flat rights, explaining what they are, and what theyre not Explain how Centrelink assesses the situations Emphasise the importance of a proper written agreements and professional advice, And explore the real questions families should consider before they embark on establishing Granny Flat rights.  Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch for advice.    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. 

When it comes to estate planning, few things are as misunderstood as property ownership and testamentary trusts. In this episode, Nathan and Jordan sit down with Estate Planning lawyer Lucy Percy, founder of Head and Heart Estate Planning, to unpack What a testamentary trust actually is, How property ownership (joint tenants vs tenants in common) affects your will, Why getting this wrong could mean losing half your home. If you've ever wondered whether a testamentary trust is worth the cost, or what really happens to your home when you pass; this episode will help you understand how to protect what matters most.   Visit www.weavinggoldpodcast.com for more episodes, blogs and to get in touch.  Lucy Percy Email: lucy@hhep.com.au Web: www.headandheartestateplanning.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. 

Separation often means running two households on the same income, and that can get overwhelming fast. In this episode, Nathan and Jordan unpack how to manage your budget during separation, what the Family Court looks for in financial statements, and how to regain confidence and clarity around money after a relationship breakdown. They also discuss emotional pitfalls, fairness, and practical tools like the MoneySmart budget planner to make sense of your expenses. 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.