Have you ever wondered why some people make financial decisions with ease while others constantly struggle to strike a balance between living for today and saving for tomorrow? In this episode of The Purposeful Investor, hosts Aden Wilkins and David Andrews are joined by a world-leading expert in behavioural decision-making: Professor Hal Hershfield from UCLA’s Anderson School of Management.

Together, they dive deep into the fascinating intersection of money and psychology. From the "Future Self Continuity" that dictates our saving habits to the hidden dangers of "Hyperopia" (the fear of spending), this conversation provides a roadmap for successful Australian families who want to maximise their well-being without letting money become an obsession.

Learn why "life is the deal, and money is the enabler" and how you can start "buying tickets in the raffle" for a healthier, more secure future today.

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Follow David Andrew:
LinkedIn: https://www.linkedin.com/in/davidandrewfamilywealthadviser/
Capital Partners: https://capital-partners.com.au/team-members/david-andrew/

Follow Aden Wilkins:
LinkedIn: https://www.linkedin.com/in/aden-wilkins-40b006105/
Capital Partners: https://capital-partners.com.au/team-members/aden-wilkins/

Follow Hal Hershfield:
UCLA: https://www.anderson.ucla.edu/faculty-and-research/marketing/faculty/hershfield 
LinkedIn - https://www.linkedin.com/in/hal-hershfield/

Follow Capital Partners on socials:
Facebook: https://www.facebook.com/CapitalPartnersPWA/
LinkedIn: https://www.linkedin.com/company/capital-partners-3/
Instagram:

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The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

What if wealth wasn’t a race for more, but a plan for enough? We sit down with Brian Portnoy, author of The Geometry of Wealth and founder of Shaping Wealth, to explore funded contentment—the idea that real wealth is the ability to underwrite a life that feels meaningful on your terms. Brian shares how years with elite investors led him to a simple truth: markets reward behaviour more than brilliance. That shift reframes money from a spreadsheet problem to a human one.

We unpack why a low‑cost, globally diversified portfolio often solves most investing needs and how home bias quietly limits growth. We dig into the tension between surviving and thriving. We discuss the two questions behind every plan—am I going to be okay? and how much is enough? —and the role of safeguards like insurance, cash buffers, and estate basics in quieting fear. 

Brian also explains the paradox of prosperity: despite unprecedented comfort, constant comparison and social media can erode joy. The antidote is clarity on values, language to express them, and a funding plan that aligns money with relationships, health, craft, and generosity.

We also tackle the nuanced link between money and happiness. Income meaningfully lifts well‑being up to a threshold by reducing insecurity and buying time and choice. Beyond that, reflective happiness grows when spending serves purpose, not status. Expect practical insights for investors and advisors alike: focus on behaviour, diversify globally, cut the noise, and design cash flows that support the life you actually want. If you’re ready to trade the chase for more for a confident sense of enough, this conversation is your blueprint. Subscribe, share with a friend, and leave a review to help others find the show—then tell us: what does enough look like for you?

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The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Headlines tell you to act. A plan tells you when to be still. 

We sat down with Capital Partners founder David Andrew and Dimensional Fund Advisors Australia CEO Bhanu Singh to unpack how a clear investment philosophy helps you ignore market noise, sidestep FOMO, and make choices that actually serve your life.

We trace the shift from active stock picking and star managers to systematic portfolios built on evidence: markets price information, prices are forward-looking, and broad drivers like size, value, and profitability can tilt expected returns without guesswork. 

We also dig into the behavioural traps that cost investors most: loss aversion in selloffs, overconfidence in familiar sectors, and herd chasing during hype cycles like crypto and gold frenzies. 

Bhanu explains how rules-based trading, rebalancing, and tax-aware flexibility turn volatility into a feature, not a flaw. 

Finally, we explore where systematic investing is evolving: incremental advances in measuring short-term reversals, momentum, and profitability growth, and the high research bar for anything new to make it into live portfolios. The takeaway is simple and powerful: define your philosophy, set the plan, and let the process work. When prices shout, let principles speak.

Enjoyed the conversation? Follow the show, share it with a friend, and leave a quick review so more investors can find calm in a noisy market.

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The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

We unpack how families can help first-home buyers enter the market without risking retirement, and why honest conversations plus clear numbers beat media noise. Practical steps include guarantors, 5% deposit schemes, rentvesting, and legal safeguards for gifts.

• social pressure and silence blocking helpful family talks
• role of the mortgage broker as long-term advisor
• apartments and location as smarter first steps
• four family help paths: guarantor, gift, silent stake, co-borrow
• using splits, offsets, and timelines to remove guarantees
• 5% deposit schemes and avoiding lenders’ mortgage insurance
• rentvesting to boost borrowing capacity
• legal protection for gifts and fairness across siblings
• savings incentives, living at home, and granny flats
• career trajectory, buffers, and repayment resilience

As you all know, we love it when you leave feedback, share it with a friend, share it with someone in your network, and make sure you subscribe so you never miss an episode
If you've enjoyed today's episode, make sure that you subscribe, leave a review, and share it with someone in your community
We encourage all of our listeners to share their questions and ideas that they would like to know more on
You can contact us at ask@capital.com.au

Episode Resources:

More on Michael Killiner

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The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This is one of our most important episodes - ever!

Predictions feel powerful until they're not.

We pull back the curtain on what actually drives long-term investment returns and explore how a systematic, evidence-led approach can help you capture the returns you are owed while avoiding costly traps.

Aden and David sit down with Bhanu Singh, CEO of Dimensional Fund Advisors Australia, to trace the real story of modern investing: from Harry Markowitz’s portfolio theory and the birth of clean market data at CRSP to Eugene Fama’s insight that prices embed information. Bhanu explains how research moved beyond CAPM to the Fama-French model, why small and value stocks have higher expected returns, and how profitability adds a sharper lens to selecting resilient companies. The message is clear and practical: start with the global market portfolio, then tilt deliberately toward proven drivers of returns, all while staying diversified and cost aware.

We also examine the strengths and limits of index funds. Lower fees and broad exposure are wins, but rigid rules can force trades at bad moments. Along the way, we cut through media noise, address behav

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The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Markets never move in straight lines and 2025 proved it once again. The first year of President Trump Mk II was always going to be interesting!

As we look to 2026, we dust off the crystal ball for a conversation about markets and investing. David Andrew and Nick Mengola join Aden to look back at markets in 2025 and look to the major trends to understand what might be in store for 2026.

AI sits centre stage for 2026. We explore capex surges, competitive shifts between OpenAI and Google, and how to hold measured exposure without betting the farm on AI. 

We discuss the returns of markets and market dimensions of large, value, small and profitability.

If you’re looking for a calm, evidence-led plan for a volatile year ahead, here's your road map: diversify across regions and factors, own enough high-quality bonds, rebalance, and be a prepared (rational) optimist. 

Share with a friend who needs a steadier strategy and leave a review to tell us how you’re positioning for 2026.

Show notes: 

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this powerful episode of The Purposeful Investor, host Aden Wilkins welcomes Tracy Hall - author, keynote speaker, and survivor of one of Australia’s most prolific con men. Tracy shares her deeply personal story of losing her life savings, and the psychological toll it took. Together, Aden and Tracy explore the emotional aftermath, the process of rebuilding trust, and the practical steps everyone can take to protect themselves and loved ones from financial fraud.

Tracy sheds light on the tactics scammers use, from emotional manipulation to advanced social engineering, and discusses her advocacy work in raising awareness about modern-day scams, including emerging threats like “pig butchering” and sextortion scams targeting young people. The episode also highlights the crucial role of financial advisors, the importance of reporting scams, and how victims can reclaim their confidence and security.

Summary

0:00-1:04 Introduction
1:04-2:07 Wins of the Week
2:07-2:35 Tracy’s experience 
2:35-4:48 Tracy’s relationship with “Max Tavita” (Hamish McLaren) 
4:48-5:03 Hamish’s arrest and Tracy’s shock  
5:03-7:12 Financial, psychological, and personal impacts  
7:12-10:58 Support from other victims and the importance of not blaming oneself  
10:58-15:23 Strategies, seeking professional help, and life changes  
15:23-18:24 Finding the confidence to become an advocate in this space  
18:24-24:05 The psychology of scams

24:05-28:13 Practical steps to protect yourself
28:13-31:38 The role financial advisers can play in client safety and building trust  
31:38-37:33 Tracy’s journey regaining trust 
37:33-43:19 Modern scams
43:19-46:29 Prevention methods to use at home
46:29-47:34 Key takeaways
47:34-48:22 Closing remarks

Resources: 

Who the Hell is Hamish Podcast - Who the Hell is Hamish? - Podcast - Apple Podcasts

Tracy's Website - Tracy Hall

Tracy's LinkedIn Page - Tracy Hall | LinkedIn

The Last Victim -

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The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this bonus series, Aden is joined by Damon Sugden, Principal Wealth Adviser at Capital Partners, who reflects on his unique journey from international ballroom stages to financial advisory. Discover how a life in the performing arts shaped his mindset, why financial independence is central to his values, and how he helps clients reimagine retirement. 

Damon shares how personal loss inspires his work, the meaning behind being a “Family Steward” and “Freedom Seeker,” and his ongoing passion for empowering others through education and connection.

• (00:41 – 02:39) Life on stage: Damon’s ballroom dance career
• (02:46 – 03:12) Transitioning from performer to financial adviser
• (03:12 – 04:04) Getting started at Capital Partners
• (04:18 – 05:22) Transferable skills from dance to advising 
• (05:27 – 05:55) Why client relationships matter most
• (06:10 – 07:16) Redefining retirement and helping others live fully in later life
• (07:30 – 08:13) Running educational workshops 
• (08:33 – 09:26) A favourite Capital Partners memory and company culture
• (09:39 – 10:44) Damon’s money personality
• (10:56 – 11:18) If not a financial adviser, what would Damon do next 

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden sits down with mergers and acquisitions expert Brendan Cockram from Octavian Group and senior wealth adviser James McLeod to unpack the strategy behind a successful business exit. 

They explore how to prepare your business for sale, determine its true value, and structure deals that balance risk and reward. 

From understanding key valuation drivers to timing the market and navigating buyer negotiations, this episode reveals the playbook every business owner should know before selling. Plus, the trio discusses emotional readiness, succession planning, and how to ensure your life goals and financial future stay aligned long after the deal is done.

• 3:40–8:45 Brendan’s journey into M&A and founding Octavian Group
• 8:45–14:10 Where to start when planning a business sale
• 14:10–19:30 Personal and financial readiness before selling
• 19:30–27:55 How to value a business and understand multiples
• 27:55–35:40 Finding and approaching potential buyers
• 35:40–42:50 Structuring deals and managing key-person risk
• 42:50–49:15 Tax planning and maximizing after-sale outcomes
• 49:15–53:40 Why every business should stay “sale ready”

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden is joined by Dr. Steve Garth and Investment Coordinator Nick Menegola to demystify cryptocurrency and its place in modern investment portfolios. The trio explores what cryptocurrency is, its origins, and why it captures so much attention—and caution—in the financial world. They discuss the risks, volatility, and lack of intrinsic value in assets like Bitcoin, compare crypto to gold, and offer practical advice for investors considering a speculative "play money" approach.

• 2:58-3:34 The value of goal setting and future planning  
• 3:34-8:17 What is cryptocurrency?  
• 8:17-12:43 The emergence of cryptocurrency as an asset class  
• 12:43-18:52 How cryptocurrency works for investors  
• 18:52-20:16 Liquidity and risk  
• 20:16-26:28 Comparing cryptocurrency to gold and FOMO  
• 26:28-31:03 Risks in cryptocurrency  
• 31:03-38:22 Retail vs. sophisticated investors  
• 38:22-46:13 Comparing cryptocurrency to traditional assets  
• 46:13-47:35 Advice for different investor profiles  

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden and David are joined by Investment Coordinator Nick Menegola to demystify the world of private credit (private debt). 

Together, they break down what private credit is, how it differs from traditional banking, and why it’s gaining so much attention in financial headlines. 

The team shares real-life case studies, including lessons from the GFC and the recent La Trobe fund developments, and explores the crucial topics of liquidity, risk, and regulatory oversight. 

• 2:58-3:34 The value of goal setting and future planning
• 3:34-8:17 What is private credit?
• 8:17-12:43 The emergence of private credit as an asset class
• 12:43-18:52 How private credit works for investors
• 18:52-20:16 Liquidity and risk
• 20:16-26:28 The La Trobe fund case study
• 26:28-31:03 Risks in private credit
• 31:03-38:22 Retail vs. sophisticated investors
• 38:22-46:13 Comparing private credit to equities
• 46:13-47:35 Advice for different investor profiles

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden for our bonus series, where he sits down with Rob McCaw. Rob shares his inspiring career path, from uncertain beginnings to becoming a dedicated wealth adviser at Capital Partners. 

Discover how his 20 years of experience as an umpire have shaped his approach to financial guidance, client relationships, and professional growth. 

Rob reveals the importance of being a "safe pair of hands" for clients, the nuances of retirement planning, and what it means to be a family-focused financial guardian. 

This episode offers insights into the human side of financial advising and the meaningful connections that drive success.

• (00:00 - 0:02:18) Rob McCaw and his career journey
• (02:18 - 04:34) The parallels between umpiring and financial advising
• (04:34 - 06:13) Rob's passion for building relationships
• (06:13 - 08:45) The importance of being a "safe pair of hands" for clients
• (08:45 - 11:45) The concept of retirement planning
• (11:45 - 13:35) Rob's money personality

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, hosts Aden and David dive deep into the timeless lessons from the classic book "The Millionaire Next Door." 

Discover the surprising habits and mindsets that set true millionaires apart from the crowd, why high income doesn’t always equal wealth, and how to avoid common financial pitfalls. From the illusion of affluence to the power of living below your means, Aden and David share practical tips, real-life examples, and actionable strategies to help you build lasting financial independence. 

• 3:00-7:00 Introduction to "The Millionaire Next Door" and its relevance
• 7:00-15:00 Key lessons from the book
• 15:00-25:00 Success behaviours of real millionaires
• 25:00-32:00 The quiet rich vs. the loud rich
• 32:00-38:00 Common financial mistakes
• 38:00-40:00 Takeaways, practical tips, and episode wrap-up

Read: The Millionaire Next Door

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join us for our bonus series as Rakesh Shah, a seasoned wealth adviser at Capital Partners, shares his 18-year journey in financial planning. Discover how his family background, entrepreneurial spirit, and passion for helping clients achieve their goals have shaped his career. 

Rakesh opens up about his side business in Kenyan tea, his approach to retirement planning, and why he sees financial advising as more than just managing money.

• (00:00 - 03:00) Rakesh Shah's 18-year journey at Capital Partners
• (03:00 - 04:23) The Kenyan tea business
• (04:47 - 06:34) Helping clients transform their financial lives
• (06:34 - 08:30) A passion for retirement workshops
• (09:14 - 10:00) Becoming a shareholder at Capital Partners
• (10:00 - 11:12) Rakesh's money personality

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Award-winning wealth adviser, Kathryn Creasy shares her expertise and the motivation behind the recently released "Crisis to Confidence" white paper, offering practical financial and emotional guidance for women facing the prospect of life after divorce, separation or bereavement. 

Discover real-life success stories, the importance of building a supportive team, and actionable steps to regain control and build a brighter future after a major life event. 

Whether you’re experiencing change yourself or supporting someone who is, this episode provides valuable tools and inspiration to move forward with confidence.

• 0:00-1:06 Introduction  
• 1:06-2:24 Wins of the Week  
• 2:24-8:01 The “Crisis to Confidence” Project  
• 8:01-12:11 The Three-Year Journey and Legal Foundations  
• 12:11-17:21 Financial and Legal Considerations  
• 17:21-19:22 Non-Financial Support and Building a Team  
• 19:22-25:29 Success Stories and Client Transformation  
• 25:29-27:21 Guidance and Resources for Listeners  

Read Crisis to Confidence.

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden sits down with Andrew Nuttall from New Zealand to explore what it truly means to face your own mortality and live to tell the tale.

Andrew shares his remarkable near-death experience, the life lessons it inspired, and how it shaped his views on family, financial security, and the real meaning of wealth. Together with Capital Partners founder David, they discuss the importance of strong relationships, gratitude, resilience, and the philosophy of "wealth beyond money.

• 0:00-2:00 Introduction
• 2:00-7:30 Wins of the Week  
• 7:30-12:30 Andrew’s Background and Connection  
• 12:30-18:00 Andrew’s Near-Death Experience  
• 18:00-27:00 Reflections on Family, Financial Preparedness, and Wealth  
• 27:00-37:00 Parallels Between Physical and Financial Health  
• 37:00-42:49 Lessons, Regrets, and Final Reflections  

Additional resources: Futures Model

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden and David as they dive deep into the provocative concept of "dying with zero" from Bill Perkins' groundbreaking book. Discover how strategic spending, investing in experiences, and challenging traditional saving mindsets can help you live a more meaningful life. Learn practical strategies to balance financial security with creating lifelong memories, and gain insights into breaking free from the fear of spending. Whether you're planning for retirement or seeking to maximise your life's potential, this episode offers a fresh perspective on wealth, time, and personal fulfillment.

• 00:00 - 05:12 Introduction and "Die with Zero" Concept Overview
• 05:12 - 11:37 Understanding the Philosophy of Purposeful Spending
• 11:37 - 17:54 Psychological Barriers to Spending Money
• 17:54 - 24:16 Generational Differences in Financial Thinking
• 24:16 - 32:41 Practical Strategies for Investing in Experiences
• 32:41 - 39:05 Retirement Spending and the "Go-Go Years"
• 39:05 - 45:22 Client Stories and Real-World Financial Insights
• 45:22 - 50:00 Conclusion and Key Takeaways on Purposeful Wealth Management

Additional resources:

• Read, Die with Zero.
• The Power of Dreaming.

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden and David as they demystify private equity investing. In this episode, they explore the key differences between private and public investments, share a compelling case study of Virgin Australia's private equity transformation, and provide expert guidance on understanding this complex investment landscape.

Learn about the potential benefits and risks, discover why liquidity matters, and gain valuable insights into making informed investment decisions. 

• 0:00-5:00 Introduction
• 5:00-15:00 Understanding Private Equity Basics
• 15:00-25:00 Virgin Australia Case Study
• 25:00-35:00 Investment Challenges
• 35:00-45:00 Business Owner Perspectives
• 45:00-50:00 Conclusion

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden, David, and Nick as they unpack the first half of 2025. From Trump's tariff tensions and geopolitical uncertainties to the explosive growth of AI, this episode provides a candid look at market volatility, investment strategies, and why staying the course matters. Learn how to maintain confidence during turbulent times and gain insights into potential economic challenges ahead, including developments in China and the global market landscape.

00:00 - 02:25 Introduction and Personal Wins
02:25 - 04:45 Financial Year Reflection
04:45 - 08:48 Market Volatility Highlights
08:48 - 0:11:14 Performance Numbers
11:14 - 14:38 Stock Valuation Insights
14:38 - 22:13 Investor Psychology and Volatility
22:13 - 31:34 Future Outlook
31:34 - 41:07 Investment Strategies
Download our tax planning whitepaper.

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden in this bonus series, as senior wealth adviser James McLeod shares his remarkable career path from an uncertain graduate to a principal at Capital Partners. Discover insights from a career that began in crisis and matured with meaning.

Discover how personal experiences shaped his approach to financial advice, his passion for helping doctors, women navigating divorce, and high net worth clients, and learn about the profound impact of providing peace of mind during life's most challenging moments.

• (0:29 - 3:24) James' career journey
• (3:24 - 4:28) The global financial crisis
• (4:40 - 6:51) Career progression at Capital Partners
• (6:51 - 9:01) Developing specialized client niches
• (9:52 - 10:27) Capital Partners' most impactful work
• (12:50 - 14:06) James's money personality
• (14:22 - 15:32) Alternative career aspirations

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden sits down with Kathryn Creasy, Capital Partners Head of Advice, for a practical conversation on tax planning. Together, they identify common blind spots that can cost investors thousands, including those related to superannuation and family trusts, as well as the effective structuring of business profits. 

Whether you’re an expat, business owner, or building wealth for the next generation, this episode will help you plan with clarity and confidence.

Download our tax planning whitepaper.

• 1:26–5:04 - What tax planning means and why it matters
• 5:04–11:00 – Superannuation strategies and contribution tips
• 11:00–15:33 – Structuring investment assets
• 15:33–21:17 – How family trusts and bucket companies work
• 21:17–26:50 – Key trigger points for tax planning
• 26:50–34:09 – Why business owners need to plan proactively

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden sits down with mortgage broker Michael Killiner and buyer's agent Rowen Powell to unpack the current Perth property market. Discover innovative ways families can help the younger generation enter the property market, including guarantor options, rent investing, and strategic purchasing. 

• 0:00-5:00 Introduction
• 5:00-15:00 Perth Property Market Overview
• 15:00-25:00 Family Property Support Strategies
• 25:00-35:00 Borrowing and Investment Insights
• 35:00-40:00 Closing Advice

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Alicia Curtis first started working on the idea of 100 Women after an inspiring chat about how to make the world a better home. After a few months, a dedicated group of volunteers came together to pull all the elements of the organisation – trust deeds, websites, marketing, membership, grants and more.

Join Aden and Capital Partners Managing Director, Charmaine Lamprecht as they sit down with Alicia Curtis and Karen Brittain from 100 Women.

Discover how a simple idea has grown into a powerful movement supporting grassroots charities, advancing gender equality, and creating meaningful social impact. 

• (0:10 - 0:20) The origin of 100 Women
• (0:20 - 0:30) From 100 to 380 members
• (0:30 - 0:40) The grant selection process
• (0:40 - 0:50) Successful grant recipients
• (0:50 - 1:00) The UN Sustainability Goals and the importance of gender equality
• (1:00 - 1:10) How businesses and individuals can get involved
• (1:10 - 1:20) Expanding nationally and internationally
• (1:20 - 1:30) The power of collective giving

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join us in the next episode of this bonus series, where we're joined by Steven Boyce, Senior Wealth Adviser at Capital Partners, to share his transformative career journey from traditional stockbroking to purposeful financial advising. 

Discover how an 18-month global travel experience reshaped his perspective, why starting with people matters more than money, and how he became a "freedom seeker" dedicated to helping clients achieve meaningful financial clarity. 

Steven reveals the unique approach that sets Capital Partners apart and provides insights into building genuine client relationships beyond traditional investment strategies.

• (00:00 - 02:59) Steven Boyce's Early Career
• (02:59 - 05:34) Transition to Financial Advisory
• (05:34 - 08:27) Career Evolution at Capital Partners
• (08:27 - 11:34) Most Enjoyable Aspects of Role
• (11:34 - 13:14) Unique Value Proposition
• (13:14 - 14:35) Personal Insights

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden Wilkins and SMSF expert Jemma Sanderson from Cooper Partners as they unpack the proposed Division 296 tax, separating fact from fiction. Learn about the potential impact on your superannuation, key misconceptions, and strategic considerations for managing your retirement savings.

• (02:00 - 07:00) What is the Division 296 Tax
• (07:00 - 12:00) Debunking myths about superannuation tax rates
• (12:00 - 16:00) Unrealised gains and lack of indexation
• (16:00 - 24:00) Exploring alternative investment strategies
• (24:00 - 33:00) Managing potential tax implications

Materials:

Div-296-3m-tax.pdf

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden Wilkins in this bonus series, as he's joined by Michael Hayward, Principal Wealth Adviser at Capital Partners, shares his remarkable 20-year journey in financial planning. Discover how a chance encounter, a love for goal-setting, and a passion for helping others led him to become a trusted adviser.

Michael reveals the secrets behind providing clients with financial security, discusses his unique background as a six-dan black belt in Taekwondo, and explains why being a "Family Guardian" drives his professional approach. 

• (00:00 - 03:12) Michael Hayward's passion for investing
• (03:25 - 05:15) Early days at Capital Partners
• 05:25 - 06:41 How a taekwondo background has influenced professional discipline
• (06:50 - 09:06) Providing clients with a sense of security and peace of mind
• (09:16 - 10:17) Advising multiple generations of the same family
• (10:31 - 11:30) Winning CFP of the Year
• (11:42 - 12:32) Focusing on supporting and setting up families for success

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden Wilkins, Nick Menegola, and special guest former AFL player turned insurance broker Sam Menegola. 

Sam shares his candid insights on navigating career transitions, maintaining personal identity, and finding purpose beyond professional sports. 

Learn valuable lessons about self-discovery and prepare for life's next chapter through Sam's personal journey from the football field to the corporate world. 

• (02:34 - 06:02) Sam's AFL career journey
• (06:02 - 10:35) Career transition and preparation
• (10:35 - 19:11) Four pillars of transition
• (19:11 - 33:37) Skills learned from professional sports
• (33:37 - 42:05) Retirement insights and advice

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join us in the bonus series of The Purposeful Investor, where Aden is joined by David Rossbach, who shares his journey to becoming a wealth adviser at Capital Partners. Discover how resilience, a passion for helping others, and a commitment to client-first advice has shaped his career. 

David opens up about mentoring, working with medical professionals, balancing family life with ultra-marathon training, and why he loves what he does.

• (00:00 - 03:32) David Rossbach's journey into financial planning
• (03:32 - 05:16) The difference between the UK experience and Capital Partners
• (05:16 - 07:10) The liberation of working at Capital Partners
• (07:10 - 08:16) Mentoring others and learning from client interactions
• (08:27 - 09:56) Working with medical professionals
• (10:04 - 10:50) Balancing work, family, and his own passions
• (11:44 - 12:31) Focusing on providing opportunities for the future generations

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Hosts Aden and David are joined by Nick Menegola and Dr Steve Garth. Together, they unpack the latest market volatility, trade tensions, and economic uncertainties. 

Listen now to learn how to stay calm, make rational investment decisions, and understand the real story behind the headlines. 

• (05:00 - 15:00) Trade wars and market volatility
• (15:00 - 25:00) Market performance analysis
• (25:00 - 35:00) Media and investor psychology
• (35:00 - 45:00) Investment strategies

Resources:

We’ve seen bad movies like this before - Capital Partners

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join David Andrew, founder of Capital Partners, as he reveals his personal investment journey, sharing candid insights about saving, automating finances, and building wealth. 

Learn from his experiences, including early investment mistakes, the importance of long-term thinking, and how David and his wife, Robyn, have approached financial planning.

• (02:35 - 06:16) Early financial habits
• (06:16 - 12:48) Automating finances
• (12:48 - 17:30) Worst investment experiences
• (17:30 - 23:35) Investment Philosophy
• (23:35 - 30:24) Asset allocation
• (30:24 - 34:04) Modest home choices
• (34:04 - 41:08) Exploration of alternative investments
• (41:08 - 43:46) Key financial lessons

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Joining us today is financial professional and wealth strategist Tim Andrew; that's right—David's son is here in the studio. 

Tim shares his personal journey into financial literacy, providing a practical guide for young adults, from childhood money lessons at the dinner table to navigating the challenges of budgeting, property investment, and long-term wealth-building. 

Learn how to structure your finances, avoid common money traps, and make smarter financial decisions—whether saving for a home, managing cash flow, or planning long-term investments—a must-listen for young professionals looking to build financial security.

• (0:05 - 0:10) Tim’s early money memories: financial conversations at home
• (0:10 - 0:15) Budgeting strategies and the ‘bucketing’ method for saving
• (0:15 - 0:20) Credit cards, borrowing power, and why Tim stopped using one
• (0:20 - 0:25) Property investment
• (0:25 - 0:30) Lessons learned from financial mistakes 
• (0:30 - 0:35) Understanding long-term investing, index funds, and compounding returns
• (0:35 - 0:40) Superannuation: understanding its value and common mistakes

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden Wilkins in this bonus series, as he's joined by John Ryan, senior wealth adviser at Capital Partners, who shares his fascinating career transformation from police officer to financial planner. Discover how personal experiences, critical thinking skills, and a passion for helping people led him to become a strategic wealth advisor. 

John reveals insights into working with complex family groups, his unique office connection ritual inspired by the Crusaders rugby team, and the importance of entrepreneurial thinking. A compelling story of adaptability, connection, and finding purpose in one's professional path.

• (0:05 - 0:10) Career journey from police academy to financial planning
• (0:10 - 0:15) The health insurance that sparked interest in financial planning
• (0:15 - 0:20) Skills learned from previous careers
• (0:20 - 0:25) Working with family groups, rural businesses, and not-for-profit foundations
• (0:25 - 0:30) Unique office connection ritual
• (0:30 - 0:35) Discussion of money personality
• (0:35 - 0:40) Reflection on entrepreneurial aspirations

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden Wilkins and David Andrew explore the psychology behind financial decision-making, drawing insights from Morgan Housel’s award-winning book, The Psychology of Money. They discuss key concepts such as why no one’s financial mindset is irrational, the difference between getting wealthy and staying wealthy, and why true wealth is often invisible. 

They also explore how different people play different financial games, emphasising the importance of understanding your own financial journey rather than comparing it to others. This episode is packed with practical wisdom on smart money habits, avoiding common pitfalls, and making financial decisions that align with your goals.

• (5:00 - 10:00) No one’s crazy – How experiences shape financial behaviour
• (10:00 - 16:00) Getting wealthy vs. staying wealthy – Different skills required
• (16:00 - 22:00) Wealth is what you don’t see 
• (22:00 - 26:00) Why comparisons can be misleading
• (26:00 - 32:00) Investment mindsets and risk tolerance

Resources: 

The Psychology of Money: Timeless lessons on wealth, greed, and happiness : Housel, Morgan: Amazon.com.au: Books

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this special Adviser Profile Series, we sit with Kathryn Creasy, Head of Advice and Wealth Adviser at Capital Partners. Kathryn shares her career journey from marketing to stockbroking and eventually into financial planning.

She reflects on the challenges and rewards of her role, the lessons learned along the way, and what she enjoys most about working with clients and mentoring the next generation of advisors. Kathryn also discusses her passion for empowering women in finance, her involvement in the Empower Her study tour in New York, and why financial confidence is key for those navigating major life transitions.

This episode offers an insightful look into the world of financial advising and Kathryn’s unique approach to helping clients and growing a sustainable, values-driven business.

• (2:00 - 5:00) Kathryn’s career journey: From marketing to financial planning
• (5:00 - 7:00) The transition to Capital Partners and early challenges
• (7:00 - 10:00) Becoming Head of Advice and her role in the executive team
• (10:00 - 12:00) Passion for empowering women in finance
• (12:00 - 14:00) A standout Capital Partners memory: Becoming a shareholder
• (14:00 - 16:00) Kathryn’s money personality: The Freedom Seeker

Capital Partners Generation Two 2018 Shareholders

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Mike Aitken, Founder of Magus Wealth in London, chats with your hosts, David and Aden about the key to good financial advice: getting to know clients.

He put it this way: "If I don't understand where you want to go, why it matters to you, and what values are driving you, it's a bit like a Chinese takeaway. You eat it, but half an hour later you're hungry again because there's no real substance."

At Magus Wealth, they focus on four main areas: want, plan, invest and behave. The 'want' part is all about figuring out their client's values, vision and any hurdles they might face.

Aitken pointed out, "If you're talking about investments and performance for more than five minutes, you're in the wrong meeting. Clients don't really care that much about what's going on under the bonnet."

His book, 'The Level-Headed Investor' dives into this client-centred approach.

Michael wraps up by saying, "You don't want to be the richest person in the cemetery. What are you going to use that money for? Understanding clients, their families, and relationships is crucial - and it's not always smooth sailing."

The discussion explores the key principles of Mike's "Invester's Compass" and the importance of understanding one's values and vision, developing a comprehensive financial plan, and cultivating the right investment behaviours.

• (0:58 - 5:00) Mike on his background and journey into the financial services industry
• (5:00 - 12:00) "The Levelheaded Investor"
• (12:00 - 20:00) The importance of understanding client values and vision
• (27:00 - 35:00) The rewarding aspects of building long-term client relationships
• (35:00 - 41:00) The importance of financial education

Resources:
The Investors Compass

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden and David discuss their predictions for what likely won't happen in 2025. They dust off the crystal ball and share 10 forecasts that probably won't come true, including the unlikelihood of getting rich quick, accurately predicting market risks and opportunities and the ineffectiveness of Trump's tariffs. 

Aden and David provide insights on the importance of long-term financial planning, the unpredictability of markets, and the value of diversification. This episode offers a refreshing perspective on avoiding common investment pitfalls and staying focused on sustainable wealth-building strategies.

• (5:00 - 10:00) Getting rich quick
• (10:00 - 16:00) Predicting risks and opportunities
• (16:00 - 22:00) Trump's tariffs
• (22:00 - 26:00) Job losses to AI
• (26:00 - 32:00) Expert forecasts
• (32:00 - 37:00) Personal stock picking
• (37:00 - 42:00) Portfolio performance

Resources:

Forecasts vs. Reality 

Heatmap

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

David is joined by special guest Dr. Lewis Marshall, a longtime client of Capital Partners and his financial adviser, David Rossbach.

Dr. Lewis Marshall looks back on his time as a doctor and his journey into retirement. He stresses how crucial it is to plan your finances, keep up with friends and family, and dive into hobbies you enjoy. 

Dr. Marshall recounts his retirement journey, detailing the early career aspirations that led him to become a sexual health physician. He details his approach to financial planning later in life, offering valuable insights into doctors' unique financial challenges and emphasising the importance of having a trusted adviser to navigate the complexities of retirement planning.

• (0:35 - 4:00) The journey into becoming a sexual health physician
• (4:01 - 11:00) The misconceptions and prevalence of STDs
• (11:01 - 18:30) Dr. Marshall on his financial journey
• (18:31 - 24:30) The importance of having something to retire to
• (24:31 - 32:00) Fears about retirement

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden and David sit down with Laura Tarbox, founder of Tarbox Family Office in Newport Beach, California. Laura shares her journey from the "dark side" of the financial industry to building a successful fee-only, fiduciary-focused firm.

She discusses the challenges her clients face, such as passing on wealth and values to the next generation, managing risk, and finding meaningful ways to give back through philanthropy. Laura also provides insights into her investment philosophy, which has evolved from stock-picking to a more evidence-based, tax-efficient approach using index funds and ETFs.

• (0:30 - 2:30) The "dark side" of the financial industry
• (2:30 - 6:00) The family office model
• (6:00 - 10:00) The Global Association of Independent Advisors (GAIA)
• (10:00 - 15:00) Passing on wealth and values to the next generation
• (15:00 - 20:00) Exploration of the role of philanthropy
• (20:00 - 26:00) Laura's investment philosophy evolution

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden as he sits down with Denise Cheng, Equity Trustees' national Manager of Active Philanthropy, who shares her expertise on the transformative world of structured giving and philanthropy.  

Discover how you can become a philanthropist, regardless of your wealth level, and learn about the growing movement of "Doubling Structured Giving" in Australia. 

Denise delves into the cultural differences in giving between Australia, the US, and the UK, explains the accessibility of structured giving vehicles, and explores the key reasons that motivate people to engage in purposeful giving, from tax benefits to the desire to create a lasting legacy.

• (00:26 - 02:25) Denise on her career journey
• (02:53 - 07:47) Explanation of philanthropy and structured giving
• (07:47 - 12:21) How structured giving can bring families together
• (12:21 - 17:16) Connecting families with aligned philanthropic causes and witnessing the impact of their donations
• (17:36 - 21:48) The process of helping clients find the right causes and charities to support
• (21:48 - 24:22) Explore structured giving even with modest means

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden, David and Capital Partners newly appointed managing director Charmaine Lamprecht, as they unpack their thoughtful approach to succession planning. 

Hear Charmaine's inspiring journey from a curious traveller to a key team leader and how she and David have meticulously built a culture and team to ensure a seamless transition. 

Discover the guiding principles that will shape the future of Capital Partners and gain insights into how Charmaine and David plan to maintain the firm's personalised client experience while embracing strategic growth.

• (5:00 - 15:00) The transition of managing director
• (15:00 - 25:00) Growth journey
• (25:00 - 35:00) Charmaine's background
• (35:00 - 45:00) Charmaine's leadership philosophy
• (45:00 - 50:00) A glimpse into what the future holds for Capital Partners

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden and David reflect on the key milestones and events of 2024. They discuss the firm's growth, team achievements, and personal milestones, as well as provide insights into the performance of financial markets and global events over the past year. 

The hosts also share their gratitude for their clients and listeners and encourage everyone to adopt a mindset of positivity and gratitude as they look ahead to 2025. This episode offers a comprehensive recap of the year that was and sets the stage for an exciting new year to come.

• (02:13 - 07:30) Wins of the week
• (07:31 - 13:57) The performance of financial markets in 2024
• (14:00 - 20:00) Global events in 2024
• (20:01 - 29:35) Wishing everyone a safe and happy holiday season

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden Wilkins is joined by Capital Partners founder David Andrew and investment coordinator Nick Menegola to unpack the outcomes of the Trump presidency and the 2020 US election. 

They discuss key policy proposals from the Trump administration, including trade, immigration, fiscal policy, and their potential impact on inflation and the US economy.  The conversation also touches on the challenges of forecasting and the importance of maintaining a diversified, long-term investment approach, regardless of who is in the White House.

• (0:12 - 1:47) Wins of the week
• (1:47 - 5:00) Overview of the key policies proposed by the Trump administration
• (5:00 - 10:00) Exploration of the trade policy proposals
• (10:00 - 15:00) Analysis of the immigration and labour market implications of the Trump policies
• (15:00 - 22:00) Examination of the fiscal policy proposals
• (22:00 - 28:00) Discussion of the overall economic outlook for the US under the Trump presidency
• (28:00 - 32:00) The unpredictability of markets and the need to focus on disciplined

Resources:
https://capital-partners.com.au/wp-content/uploads/2024/12/Trump-election-graphic.png

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join Aden, David, and special guest Hannah Hardy-Jones from Contented AI as they explore the transformative potential of artificial intelligence (AI) and how it is reshaping businesses and the workforce. 

Discover practical applications of AI, the economic and workforce implications, and the importance of balancing innovation with privacy and security. Hear real-world examples of AI streamlining administrative tasks, enhancing productivity, and elevating the human experience. 

• (5:00 - 10:00) Positive focus of the week
• (10:00 - 20:00) Hannah Hardy Jones' background and Contented AI
• (20:00 - 35:00) Current and future applications of AI
• (35:00 - 45:00) AI in business and client relationships
• (45:00 - 55:00) Privacy and data security in AI implementation
• (55:00 - 1:00:00) Future of AI and human interaction

Listen to understand the myths and realities surrounding AI and how to strategically integrate this powerful technology into your business processes. 

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden is joined by David Andrew and wealth adviser Michael Hayward to explore the often overlooked but critical role of personal insurance in a well-rounded financial plan. 

From life insurance to trauma and income protection, they discuss how these "necessary evils" provide a safety net for families facing unexpected health events or financial crises. Whether you're planning for your family or your business, learn how to assess the right insurance mix to safeguard your future.

• (0:02:07 - 0:07:130) Different types of personal insurances
• (0:07:14 - 0:13:26) The purpose of personal insurance in a financial plan
• (0:13:27 - 0:18:02) The psychological and practical aspects of insurance coverage
• (0:18:03 - 0:23:53) The importance of insuring adult children and the hazard involved
• (0:23:54 - 0:32:14) Key takeaways on the role of insurances in a comprehensive family wealth management plan

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden and David discuss the importance of longevity risk - the possibility of outliving your investment assets in retirement. 

They explore how life expectancies have changed over time, the concept of a "longevity mindset", and the challenges of balancing spending versus saving. They also cover the tools and frameworks that Capital Partners uses to help clients make informed decisions about funding their retirement lifestyle. 

This episode provides valuable insights for anyone concerned about having enough to support themselves throughout a potentially longer retirement.

• (0:00 - 3:00) How retirement and life expectancies have changed over time
• (3:00 - 9:00) The statistics and trends around increasing life expectancies
• (9:00 - 15:00) The "spender" versus "saver" behavioural tendencies
• (15:00 - 24:00) Making informed decisions about funding a retirement lifestyle
• (24:00 - 32:00) The "retirement multiple" concept
• (32:00 - 43:00) The importance of regularly reviewing and updating financial projections

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden and David explore the critical issue of entitlement within affluent families.

They are joined by wealth advisers John Ryan and Milena Konig to unpack the definition of entitlement, how it has evolved across generations, and the key role of family values and storytelling in developing a stewardship rather than an entitlement mindset. 

They emphasise the importance of grounding decisions in clear family values to protect against the entitlement trap - instilling the right behaviours in the next generation.

•  (5:00 - 10:00) Defining entitlement and how it relates to affluent families
•  (10:00 - 15:00) Observations on how entitlement attitudes have evolved across generations
• (15:00 - 20:00) The role of family values and storytelling in developing a stewardship mindset
• (20:00 - 25:00) Insights from the guests' experiences advising clients on wealth and entitlement
• (25:00 - 32:00) The importance of grounding wealth management decisions in family values
• (32:00 - 38:00) Practical examples of helping adult children without enabling entitlement
• (38:00 - 43:00) Generational perspectives and advice for avoiding the entitlement trap

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden and his guests dive into a common investment question: "Why not just stick to an S&P 500 ETF and a bond ETF?" 

Featuring insights from Nick Menegola and Dr. Steve Garth, they explore the importance of diversification, balancing growth and defensive assets, and why investing in global markets—including Australian shares—can offer more stability and long-term success than focusing solely on the U.S. market. 

• (04:14) Little wins of the week
• (06:33) Discussion on asset allocation and growth vs. defensive assets
• (07:46) International vs. Australian shares
• (12:21) Diversification and market cycles
• (15:55) Bond ETFs and fixed income investments
• (21:55) Final thoughts on asset allocation and investment strategy

Resouces:
Equity returns of developed markets graphic

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this special episode of The Purposeful Investor, Aden sits down with David, the founder of Capital Partners, to celebrate the firm’s 25th anniversary. 

David reflects on the entrepreneurial journey that led him to establish the firm, the values that have guided its success, and the lessons learned along the way. From humble beginnings in 1999 to becoming a trusted financial adviser to affluent families, David shares personal stories, key milestones, and the investment philosophy that has stood the test of time.
 
Listen as we explore how Capital Partners has built a culture of trust, client-focused advice, and mentorship, and what the next 25 years hold for the firm. Whether you're an investor, entrepreneur, or simply curious about wealth management, this episode is packed with insights on creating a lasting legacy of financial success.

• (0:00 - 2:00) Introduction
• (2:00 - 8:00) The founding of Capital Partners in 1999
• (8:00 - 12:00) The addition of Chris and Michael as partners in 2003
• (12:00 - 17:00) Insights into the growth and evolution of the business
• (17:00 - 23:00) Changes and consistencies in the business over 25 years
• (23:00 - 30:00) Future plans, reflections, message to the team and clients

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode Aden sits down with Rakesh Shah and Damon Sugden, Principals and Wealth Advisers at Capital Partners, to discuss the importance of looking beyond just simply the financial aspects of retirement planning. 

They share their personal journeys and insights on how to create a truly fulfilling and purposeful retirement, going beyond the common focus on the "magic number". 

The conversation explores the deeper questions. It asks listeners to envision their best possible retirement, moving past the traditional emphasis on money and numbers.

• (00:01 - 01:42) Wins of the week
• (01:42 - 0:04:33) Purposeful retirement planning
• 04:33 - 11:18) Establishing a blueprint for your desired retirement
• (11:18 - 20:47) Having a trial run retirement period

Learn more about Capital Partners' approach to retirement planning: Retirement Planning Perth - Capital Partners (capital-partners.com.au)

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode,  Aden and David discuss key concepts from Morgan Housel's book "Same as Ever" that remain constant even in an ever-changing world. 

They explore the idea that risk is often unforeseen, and the power of small, consistent habits compounding over time. The hosts also examine how expectations impact happiness more than reality itself. 

David shares the "same as ever" principles he has seen over 25 years at Capital Partners, including having a strong foundation through values and goals, tuning out noise, and investing in human ingenuity. 

• (0:00:01 - 0:10:00) "risk is what you don't foresee"
• (0:10:00 - 0:15:15) Positive habits or small unhealthy choices
• (0:15:15 - 0:19:32) Expectations vs reality
• (0:19:32 - 0:22:08) Having a strong foundation of values/goals
• (0:22:08 - 0:27:33) Examining investing in human ingenuity

Resources:
The Psychology of Money: Timeless lessons on wealth, greed, and happiness: Morgan Housel
Same as Ever: A Guide to What Never Changes: Morgan Housel

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This episode of The Purposeful Investor podcast discusses the importance of creating a legacy plan and working with professionals to ensure a healthy legacy. Hosts' Aden and David, talk about leaving more than just money behind and helping the next generation be successful. 

They discuss carving out time for strategic thinking, focusing on family, ensuring one's children have a great education and understanding of financial success. Creating a structured yet flexible plan that considers safety, values, and relationships can help you live your legacy.

• (0:00:01 - 0:02:27) Introduction and wins of the week
• (0:02:27 - 0:04:57) Recap of the wealth with purpose series so far
• (0:04:57 - 0:09:11) What is a legacy and healthy legacy plan
• (0:09:11 - 0:13:35) Discussion of structured safety
• (0:13:35 - 0:17:53) Active stewardship
• (0:17:53 - 0:21:27) Importance of services being available to client's and their children

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, we explore insights from a study of 50 successful business owners in Western Australia. Discover the key mindsets and strategies that enabled these entrepreneurs to achieve remarkable success, both professionally and personally. 

Learn about the importance of continuous growth, transitioning from "lone wolf" to "pack leader", building a reliable support network, and creating a lasting family legacy through philanthropy. 

• (0:00 - 2:00) Wins of the week
• (2:00 - 8:00) Exploration of the "evolving entrepreneur" pillar
• (8:00 - 13:00) The transition from "lone wolf" to "pack leader"
• (13:00 - 17:00) The concept of "building your bench"
• (17:00 - 22:00) Freedom comes from discipline
• (22:00 - 28:00) Achieving entrepreneurial freedom
• (28:00 - 34:00) The importance of creating a family legacy through financial planning
• (34:00 - 38:00) The benefits of structured philanthropy
• (38:00 - 42:00) Thoughts and key takeaways for business owners

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, David and Aden continue their discussion on wealth management and investment planning. They talk about understanding the power of share markets and why we invest in them. 

David explains that investing should seek reliability in order to fund your financial plan, rather than trying to "shoot the lights out". They discuss the importance of diversification and how most of the effort that goes into curating the perfect portfolio is unnecessary. 

• (0:00 - 5:00) Welcome and wins of the week
• (5:00 - 11:50) Understanding the share market system
• (11:50 - 19:00) Funding your financial plan
• (19:00 - 25:30) The importance of diversification and asset classes
• (25:30 - 36:00) Company size, value and profitability that impact returns

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, hosts' Aden and David sit down with Investment Coordinator Nick Menegola to discuss the key factors that shaped the 2023-2024 financial year and how they played out in investment markets. 

The conversation covers the ongoing battle against inflation and interest rates, the surprising resilience of the global economy, and the unique "Innovation Hub" setup the team uses to work on new projects. 

Gain valuable insights into the state of the markets and the strategies employed by the Capital Partners Investment Committee.

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden interviews Steven Boyce, Wealth Adviser and Principal at Capital Partners. They discuss findings from Steven's research of over 50 successful business owners into what makes them successful. Importantly, finding what all successful business owners have in common.

Whether you're an entrepreneur looking to enhance your business strategies or simply interested in the stories of successful business owners, this episode provides valuable lessons and inspiration.

• (0:12 - 0:39) Steven shares his "win of the week"
• (0:39 - 1:02) The findings from research into what makes a successful business owner
• (1:02 - 5:000) The first key area of "Business Builder"
• (5:00 - 5:39) Understanding the critical numbers.

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden and David chat about strategic planning for wealth. David explains why having a plan is crucial to tilting the odds of fairness in your favour. He discusses the key outcomes a strategic plan should deliver, such as being on track to achieve your goals and maximising available cash flow. David also stresses the importance of minimising taxes. 

This insightful discussion provides valuable guidance for anyone looking to develop a strategic approach to managing their finances and achieving their purpose with their wealth.

•  (0:01:12 - 0:03:56) The importance of cultural fit
•  (0:03:56 - 0:08:14) Tilting the odds of fairness in your favour
•  (0:08:14 - 0:11:36) Being on track to achieve goals
•  (0:11:36 - 0:14:05) Having a thinking partner for financial planning
•  (0:14:05 - 0:17:40) Starting a plan with a net worth statement
•  (0:17:40 - 0:21:27) Comprehensive information gathering

Resources:
The Human Capital Model

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This episode of The Purposeful Investor provides an update on the hot Perth property market. Lachlan Delahunty from Performance Property shares his insights on the current conditions, discussing high demand, low stock levels, and multiple offers being common. He explains how property market cycles typically work, with periods of growth and stagnation. 

Lachlan compares the current Perth cycle to previous ones as well as other Australian cities like Brisbane and Adelaide in recent years and explores the challenges for first-home buyers in the current competitive environment.

• (0:00 - 00:31) Introducing Lachlan Delahunty
• (00:31 - 02:07) the wins of the week
• (02:07 - 02:54) The current Perth property market
• (02:54 - 04:25) High demand, low stock, and competitive conditions
• (04:25 - 06:15) Property market cycles
• (06:15 - 07:06) Attracting eastern state investors
• (07:06 - 10:00) Challenges for first home buyers
• (10:00 - 11:31) Highest levels of demand
• (11:31 - 13:20) Downsizing opportunities and challenges
• (13:20 - 14:57) Ensuring clients can complete transactions

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, David discusses the importance of understanding a client's "why" before developing a financial plan. He explains how exploring your values, goals and priorities helps ensure the plan supports how you want to live your life with meaning and purpose.

• (00:13 - 01:56) "Win of the week" segment 
• (01:56 - 06:06) Simon Sinek's Golden Circle model
• (06:06 - 07:49) The "high price of materialism"
• (0:07:49 - 0:11:15) The three fundamental needs for ensuring financial plans support clients
• (11:15 - 13:56) The word cloud exercise 

Resources:
Wheel of Life exercise
Financial House guide
Your Dream List
Create Inspiring Goals guide
Identify your Values exercise

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden Wilkins and Capital Partners Founder David Andrew delve into the intricate world of affluent investors and the evolving landscape of generational wealth.

Beginning with a client's inquiry into Australia's net worth demographics, they unpack the concept of affluent investors, emphasising the transition from financial status to complexity management.

• (1:11 - 5:00) Athlete investors and three types of complexity  
• (5:00 - 10:46) The three types of complexity - time, technical, emotional
• (10:46 - 15:14) Wealth statistics in Australia, other countries, definition of HNWI
• (15:14 - 19:23) Additional statistics on wealth distribution and real estate values 

Resources:
Australian Statistics
Knight Frank Wealth Report
What does $1M USD buy you in SQM across different cities
What does it take to be in the top 1%

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode of The Purposeful Investor, Aden and David delve into the inspirations behind David's book, Wealth with Purpose. David shares his desire to transform financial advice by moving the emphasis from mere products and performance to a more meaningful focus on values, goals, and priorities.

• (0:00:01 - 0:07:42) David's frustration with traditional financial advice. 
• (0:07:42 - 0:13:32) The challenging process of writing his first book.
• (0:13:32 - 0:17:30) The three critical questions clients want answers to
• (0:17:30 - 0:22:05) Taking control of your finances and not drifting. 
• (0:22:05 - 0:30:00) Automating your wealth and keeping plans flexible. 

Resources:
Futures Model

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Ever wondered how financial experts navigate the unpredictable tides of the market? 
This episode shines a light on the complexities of the first quarter's financial landscape with insights from David and our investment coordinator, Nick Menengola. Together, they unravel current market trends, dissect the strategies that hold the fort during tumultuous times, and discuss our approach to scaling investments for growth. 

Step away from the noise of sensational headlines and join us for a measured analysis of what's really happening in the world of finance. 

• (0:12 - 0:24) "Win of the week" segment
• (0:24 - 0:36) Nick discusses his role at Capital Partners
• (0:36 - 1:03) Discussion of interest rates around the world
• (1:03 - 1:20) Conversation about the housing market
• (1:20 - 1:38) Explaining the concepts of a "hard landing" and "soft landing"
• (1:38 - 1:56) The strong markets despite inflation and the potential for an economic slowdown 

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden and David dive into the important topic of sustainable investing. They explore how Capital Partners approaches this area, especially after a client raised concerns about their investments in fossil fuel companies. This discussion highlights the firm's commitment to aligning investment strategies with clients' values and environmental concerns.

Listeners will learn about the steps Capital Partners takes to ensure diversification within both domestically and internationally sustainable portfolios. 

• (0:02:48 - 0:03:01) SRI considerations
• (0:17:35 - 0:18:09) Capital Partners' sustainable portfolios
• (0:19:02 - 0:20:32) Performance expectations
• (0:18:09 - 0:18:33) Diversification in Australia and globally
• (0:23:59 - 0:24:53) Values led decisions

Resources:
Download  your copy of  Sustainable Investing
SRI slides

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this bonus episode, Capital Partners ' investment experts, Steven Boyce and Nick Menegola discuss all things market timing.

Every day the financial media has stories about either impending doom or unbridled optimism for the stock market. Not surprisingly, many investors get the urge to move their asset allocations around based on these stories in the hopes of boosting their returns.

Click here to watch this episode recording on the Capital Partners YouTube channel.

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, Aden is joined by Capital Partners' senior wealth adviser and principal Kathryn Creasy to discuss the recent gender pay gap report and how women are lagging behind men in areas like superannuation and financial literacy. 

Touching on sobering statistics, Kathryn also shares hopeful data that shows younger generations of women are more engaged in investing than ever before.  Additionally, she reviews studies demonstrating women often outperform men as investors by taking fewer risks and maintaining a long-term perspective. 

For anyone seeking financial empowerment or education, this episode provides actionable advice and an inspiring message.

• (0:12 - 0:25) Kathryn's "win of the week"
• (0:25 - 0:44) Recent gender pay gap reports and statistics
• (0:44 - 1:00) Women and their own superannuation
• (1:00 - 1:20) Evening out your super balances as a couple
• (1:20 - 1:50) Women vs men as investors

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, hosts Aden Wilkins and David Andrew discuss navigating uncertainty in share markets from a long-term perspective. They provide statistics showing the dangers of market timing, with David sharing his experience of the Global Financial Crisis and how they coached clients through volatility. They discuss building portfolios with enough buffers to withstand downturns. 

The hosts explore the emotional and behavioural aspects of investing, referencing research on how the brain processes financial losses similarly to threats. They emphasise the importance of staying disciplined and provide valuable insights on developing a purposeful long-term approach to investing despite uncertainty.

•  (5:24 - 12:06) Market timing and volatility
•  (12:06 - 14:41) Navigating uncertainty
•  (14:41 - 23:14) The Global Financial Crisis
•  (23:14 - 28:09) Long-term investing mindset
•  (28:09 - 33:33) Behavioural finance and emotions

Materials:
Vanguard Index Chart
US Sharemarket returns post pullbacks
Benefit of taking a long-term approach
Australian Share Market - Market Timing Graphs

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden Wilkins speaks with David Andrew, Founder of Capital Partners, to discuss redefining ambition during retirement. They discuss how retirement planning conversations often focus only on financial security, yet true prosperity is about living one's best life.

Aden and David explore how ambition naturally shifts away from career goals as we age and the importance of finding purpose and reasons to get up each day in retirement. They also address the potential identity crisis and mental well-being challenges that can arise from a loss of tribe and daily structure.

• (0:03:56 - 0:04:56) Purpose in Retirement
• (0:06:08 - 0:09:10) Ambition and Identity
• (0:07:44 - 0:09:10) Mental Wellbeing
• (0:09:28 - 0:10:00) Defining Ambition in Retirement
• (0:10:04 - 0:11:03) Transitioning to Retirement
• (0:11:15 - 0:18:31) Examples of Ambitious Retirement

Materials
The Power of Dreaming Guide

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Join your hosts, David and Aden, as they discuss the fascinating world of money personalities and how understanding each other's differences is crucial for achieving financial success. 

David and Aden explore the eight different mindsets people have about money, with a special focus on the Family Guardian personality.

• (00:04:48) Understand money personalities.
• (00:10:44) Take advice to achieve freedom.
• (00:16:06) Trust your financial adviser.
• (00:17:18) Build wealth methodically.
• (00:27:27) Maximiser's strive for wealth.
• (00:34:45) Love conquers financial differences.
• (00:40:00) Social spenders seek reward.
• (00:43:30) Save first, spend later.

Materials
Money Personalities Guide

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden Wilkins and David Andrew define succession planning as the process of transitioning ownership of a business over time. This can take different forms such as an internal succession, a sale of the business, or transferring it to family. 

David emphasises the importance of considering whether the strategy is to "harvest" the business through sale or pursue a "legacy" strategy of passing it down. He notes that succession involves transitioning not just capital but also leadership roles and maintaining the vision and values of the business.

David draws on his own experience with succession planning at Capital Partners. He explains how they began planning early to protect clients even with just a few employees. He details the multi-year process of transitioning out founding partner Chris while maintaining services, and culture, and developing new leadership over that time.

• (0:00:11 - 0:01:54) Sharing wins of the week
• (0:01:54 - 0:10:37) "harvest strategy" vs "legacy strategy"
• (0:10:37 - 0:15:42) Succession planning at Capital Partners
• (0:15:42 - 0:20:00) Developing new leadership teams at Capital Partners
• (0:20:00 - 0:28:53) Succession of vision/values
• (0:28:53 - 0:29:54) Transition of shares to new shareholders over time

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This week, Aden speaks with Capital Partners Founder and CEO, David about the evolution of investing from the early 20th century to the present day. 

They discuss the three major phases - Investing 1.0 which saw stock picking dominate the market in the 1950s and 60s limited by a lack of historical data and computing power. The rise of index funds in the 1970s marked Investing 2.0, made possible by increased data availability and the efficient market hypothesis. Systematic investing emerged in the 1990s as Investing 3.0, leveraging factors like company size, price, and profitability that research showed provided higher expected returns.

David and Aden provide statistics demonstrating index funds have significantly outperformed actively managed portfolios over long periods. The episode offers insight into how the investing industry has advanced its practices by incorporating evidence from decades of market data.

• (0:16 - 1:42) Personal wins of the week
• (1:42 - 2:18) The three phases of investing
• (2:18 - 3:28) Investing 1.0
• (3:28 - 7:02) Investing 2.0
• (7:02 - 9:00) - Benefits of diversification
• (9:00 - 11:02) Investing 3.0

Materials
Pursuing A Better Investment Experience

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

Aden and David discuss the importance of progress meetings between financial advisers and their clients. Progress meetings allow advisers to check in on clients' financial plans, goals, investments, and estate plans to ensure they are on track. 

They explore what is discussed in a typical progress meeting, including reviewing clients' net worth statements, financial projections, portfolio reports, and estate planning. They emphasise how progress meetings help answer clients' key questions around making smart financial decisions, ensuring the security of their loved ones, and living their best lives.

• (0:02:00 - 0:04:20) What is a progress meeting?
• (0:04:21 - 0:11:27) Common questions and concerns
• (0:12:25 - 0:14:46) The three key questions in progress meetings
• (0:14:47 - 0:20:57) Documentation in meetings
• (0:20:58 - 0:28:24) A client’s ability to achieve goals
• (0:28:25 - 0:34:06) Estate planning
• (0:34:07 - 0:37:52) The importance of stewardship
• (0:37:53 - 0:41:01) The ongoing review through progress meetings

Materials
Progress Report
Net Worth Statement
Legacy Flow Chart

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

In this episode, host Aden Wilkins speaks with Capital Partners founder David Andrew about what investors can expect from financial markets in 2024. They discuss the major events of 2023, including China relaxing COVID restrictions, bank problems in the US, and strong returns in global equity markets by the end of the year. 

David and Aden analyse the performance of different asset classes in 2023 and look at sub-asset classes like value stocks. Get their insights on whether 2024 could continue the market recovery or bring new economic challenges.

• (1:00 - 1:53) Global market declines in 2022 
• (1:53 - 4:33) The Bloomberg article
• (4:33 - 5:43) Stocks and bonds 2022 decline
• (5:43 - 7:46) China reopening, US bank problems, Middle East conflict
• (7:46 - 10:50) 2023 return figures
• (10:50 - 12:06) Value stocks and tech companies
• (12:06 - 13:15) Portfolio positioning and outlook for 2024

 Materials
Annualised Range of Returns for the S&P 500
The Benefit of Long-Term Investing
S&P 500 - Good Years Tend to Cluster

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

This episode of The Purposeful Investor podcast provides an introduction to Capital Partners Private Wealth Advisers, a wealth management firm based in Perth, Australia. Co-hosts David Andrew and Aden Wilkins discuss their motivations for starting the podcast and share "life's little wins" from their careers. 

David recounts founding Capital Partners over 20 years ago and how the firm has grown, evolving their investment philosophy over time to focus on reliable, evidence-based strategies. They explore how attracting talented team members has allowed Capital Partners to take on more clients and expand services while prioritising clients and employees. David emphasises exploring possibilities and achieving bigger futures for both staff and clients.

Learn about key people who helped grow the business and how ownership has transitioned to new generations. David expresses gratitude to Capital Partners' long-standing clients for trusting the firm to manage over $1.6 billion in assets.

• (0:04:25 - 0:12:52) Early years of Capital Partners
• (0:12:52 - 0:16:09) Developing the business and team
• (0:16:09 - 0:20:18) Client outcomes and intergenerational wealth
• (0:20:18 - 0:27:59) Evolution of investment philosophy
• (0:27:59 - 0:31:29) Aden's story of joining
• (0:31:29 - 0:36:23) Recent acquisition and gratitude

___________________________________________________________________________________________

The Purposeful Investor Podcast is a public service provided for Australian investors wanting to make smart decisions with their money, avoid costly mistakes, look after the people they care about, and, have a great life!

We draw on over 30 years of experience from David Andrew and the Capital Partners team.

For more information on Capital Partners' award winning team, visit capital-partners.com.au.

Have a question? Email us ask@capital-partners.com.au.

This episode provides general advice only. We do not consider your personal circumstances when we share this information. Always refer to your financial adviser for advice about your personal circumstances.

Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.