Short and focused
Each episode focuses on a particular retirement or superannuation question rather than trying to cover everything at once.
Wealth Factory Resources · Podcast & Video Archive
Retirement & Money: plain-English conversations about retirement.
Retirement & Money was created by Wealth Factory financial adviser Robert Laurie to explain some of the financial decisions Australians face before and during retirement — without burying the conversation in unnecessary jargon.
Australian retirement topics
Podcast + video archive
Created by financial adviser Robert Laurie
From the Wealth Factory archives
The series is no longer in active production — but the conversations remain part of our story.
Retirement & Money was produced during 2021 and 2022 as a collection of short educational discussions about retirement, superannuation, savings and some of the decisions people commonly face as retirement gets closer.
We have kept the original podcast and videos available as part of the Wealth Factory resource library. They also reflect something that remains central to how we provide advice today: financial decisions become easier when the reasoning behind them is explained clearly.
Retirement education
One retirement question at a time.
Retirement can introduce unfamiliar decisions about superannuation, income, investments, taxation and what happens to your money when circumstances change.
Retirement & Money was designed to take individual topics and explain the underlying idea in a way that was easier to understand.
Australian context
Topics include Australian superannuation, retirement savings, beneficiary nominations, death benefits and changes to the superannuation system.
Plain-English explanations
The aim was to explain why a financial issue matters rather than simply repeat technical rules and terminology.
Retirement & Money Australia
Listen to the original podcast.
The complete Retirement & Money podcast archive remains available through Spotify and Apple Podcasts.
From the podcast
Topics from the Retirement & Money archive.
These episodes provide a snapshot of the retirement questions we were discussing at the time. Some technical rules and figures may have changed since the episodes were recorded.
Super Reforms & Opportunities
A discussion about changes to Australian superannuation legislation at the time and some of the planning opportunities those changes created.
Death and Taxes
An introduction to the taxation of superannuation death benefits and why the person receiving a benefit can influence the tax treatment.
Death Benefit Nominations
Who may receive your superannuation after death and why beneficiary nominations form an important part of broader retirement and estate planning discussions.
I Need to Boost My Savings
What happens when the retirement lifestyle you want appears to require more savings than your current trajectory may provide?
How Much Is Enough?
Why retirement should be considered in the context of the lifestyle and income you want rather than relying entirely on one arbitrary superannuation balance.
What Is a Comfortable Retirement?
A discussion about retirement spending benchmarks and what the idea of a comfortable retirement may mean in practical terms.
Retirement & Money Video Archive
Prefer to watch rather than listen?
Retirement & Money was also produced in video format. The original videos are preserved here as part of the Wealth Factory retirement education archive.
A note about archived financial content
The principles may remain useful. The numbers and rules may not.
The Retirement & Money material was recorded several years ago. Superannuation contribution limits, pension rules, taxation, retirement benchmarks, Centrelink settings and other financial rules can change over time.
The archive is retained for general educational purposes and should not be relied upon as a source of current personal financial advice. Current strategies should be considered using current rules and your individual circumstances.
Part of the Wealth Factory story
Retirement education has been part of our work for years.
Retirement & Money was a small project, but the philosophy behind it remains relevant to the way Wealth Factory provides financial advice today.
We believe clients should understand the decisions they are making rather than simply being told what financial product to use.
Understand
Financial terminology is useful only if the person making the decision understands what it actually means.
Question
Better-informed clients can ask better questions and take a more active role in decisions about their retirement.
Apply
General education can help identify the questions worth asking. Personal financial advice can then apply those questions to your actual circumstances.
Education is the starting point
Knowing the question is different from knowing the answer for you.
A podcast can explain how a retirement strategy works in general. Personal financial advice needs to consider your assets, income, spending, superannuation, investments, family circumstances, objectives and the decisions you are actually trying to make.
Understand the concept.
Articles, podcasts and videos can help explain financial ideas, terminology and some of the questions that may be worth asking.
Apply it to your circumstances.
Personal advice considers your actual financial position, objectives and needs before a strategy or recommendation is developed.
Looking for something more current?
Explore the retirement advice Wealth Factory provides today.
The podcast remains available as an archive. Our current work is focused on helping Australians make the financial decisions that arise before and throughout retirement.
Build the Plan
Financial Advice for Retirement Planning
Put your retirement goals, spending and financial resources together into a structured financial strategy.
Before Retirement Financial Advice for Pre-RetireesMake the final five to ten working years count and prepare for the transition from salary to retirement income.
After Work Financial Advice for RetireesManage retirement income, investments, spending and the financial decisions that continue after work finishes.
About the host
Retirement & Money was presented by financial adviser Robert Laurie.
Rob is the founder of Wealth Factory. Today the practice focuses particularly on retirement planning, SMSF advice and the financial decisions Australians face before and throughout retirement.
Qualifications
Master of Financial Planning
Bachelor of Business
Accredited Aged Care Professional®
Bachelor of Business
Accredited Aged Care Professional®
Specialist Knowledge
SMSF, Retirement and Aged Care
Advice Available
Toowoomba + Online Australia-Wide
From listening to planning
Your retirement deserves more than general information.
If something in the podcast or video archive raises questions about your own retirement, superannuation, investments or income strategy, we can look at those questions in the context of your actual financial position.