OTG Capital - Blog #couples and moneyOTG Capital - Blog #couples and moneyhttps://www.otgcapital.com.au/blogs/tag/couples-and-moneyWed, 22 Apr 2026 22:01:12 +1000http://zoho.com/sites/<![CDATA[Financial Agreements - Dollars & Making Sense 18 Nov 2025]]>https://www.otgcapital.com.au/blogs/post/financial-agreements-dollars-making-sense-18-nov-2025In today's interview, we focus on timing of agreements and how important they can be in relationships and couples looking to "go the distance". We also tackle the gnarly question of large traditional holdings like the family farm, and how they are handled.]]>
choosing an adviser
Ian McLeod, principal of RP Emery Legal Agreements returns to chat to us about financial agreements.  Last year we featured 2 shows about binding financial agreements and prenuptial agreements which garnered a LOT of discussion and views.  In today's interview, we focus on timing of agreements and how important they can be in relationships and couples looking to "go the distance".  We also tackle the gnarly question of large traditional holdings like the family farm, and how they are handled.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 18 Nov 2025 09:00:00 +1100<![CDATA[Couples & Money Part 2 - Dollars & Making Sense 16 Sep 2025]]>https://www.otgcapital.com.au/blogs/post/couples-money-part-2-dollars-making-sense-16-sep-2025Part 2 of an excellent series on couples fighting over money]]>
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We continue our discussion on dealing with couples that fight over money and the causes and potential solutions.  Drawing on some excellent research from the Journal of Social & Personal Relationships done in 2023, we discuss important issues around themes in a couple including fairness, equality and balance, together with compromise and approaches to better budgeting and financial management in couples.  What is the fair share when the work if valued differently, and do separate bank accounts work or not?  Great discussion points and an excellent completion of this series in Part 2.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 16 Sep 2025 09:00:00 +1000<![CDATA[Couples Fighting Over Money - Dollars & Making Sense 2 Sep 2025]]>https://www.otgcapital.com.au/blogs/post/couples-fighting-over-money-dollars-making-sense-2-sep-2025We discuss important issues around themes in a couple including fairness, equality and balance, together with compromise and approaches to better budgeting and financial management in couples. Part 1 of an excellent 2 part series.]]>
choosing an adviser
We welcome back Queen Chilenga, a financial social worker providing education and coaching in the Kalgoorlie community is eastern WA.  Queen has first hand experience in dealing with couples that fight over money and the causes and potential solutions.  Drawing on some excellent research from the Journal of Social & Personal Relationships done in 2023, we discuss important issues around themes in a couple including fairness, equality and balance, together with compromise and approaches to better budgeting and financial management in couples.  Part 1 of an excellent 2 part series.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 02 Sep 2025 09:00:00 +1000<![CDATA[Concession Cards & Travel - Dollars & Making Sense 18 Feb 2025]]>https://www.otgcapital.com.au/blogs/post/concession-cards-travel-dollars-making-sense-18-feb-2025The Concession Health Card is widely available to all taxpayers irrespectively of age and in many cases with very generous limits.  Tune in to be surprised and how you need to apply for this card.  One of the many services available to all taxpayers that helps with day to day living expenses.]]>
choosing an adviser

Justin Bott from Services Australia here again to illuminate us on a government concession card that is widely misunderstood, and as a result, widely not used.  The Concession Health Card is widely available to all taxpayers irrespectively of age and in many cases with very generous limits.  Tune in to be surprised and how you need to apply for this card.  One of the many services available to all taxpayers that helps with day to day living expenses.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 18 Feb 2025 09:00:00 +1100<![CDATA[Summer #9 - Downsizer Contributions - Dollars & Making Sense 11 Feb 2025]]>https://www.otgcapital.com.au/blogs/post/summer-9-downsizer-contributions-dollars-making-sense-11-feb-2025We're deep diving into Downsizer Contributions to superannuation. If you own your own home, and need a neat way to bring your retirement balance closer to your goal, this may be a great way of doing it.]]>
choosing an adviser

Welcome to our Summer Series of archive blogs from the past year.  We'll be featuring our favourite shows from 2024 until we return in Feb'2025.  Thanks for watching/listening.

Home owners looking to move onto their next place have a unique opportunity to top up their super balances.  This week we welcome a new contributor from IFPA (Institute of Financial Professionals Australia), Stuart Sheary, tech specialist and we're deep diving into Downsizer Contributions to superannuation.  If you own your own home, and need a neat way to bring your retirement balance closer to your goal, this may be a great way of doing it.  Stuart works through the "tips and traps" to take advantage the next time you decide to sell up and move on.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 11 Feb 2025 10:28:00 +1100<![CDATA[Summer #8 - Retiring Early & Family Trusts - Dollars & Making Sense 4 Feb 2025]]>https://www.otgcapital.com.au/blogs/post/summer-8-retiring-early-family-trusts-dollars-making-sense-4-feb-2025Ever thought of retiring early? What are your options and what are the best structures to consider? Options surrounding an early retirement and the best tax structures to consider.]]>
choosing an adviser
Welcome to our Summer Series of archive blogs from the past year.  We'll be featuring our favourite shows from 2024 until we return in Feb'2025.  Thanks for watching/listening.
Ever thought of retiring early?  What are your options and what are the best structures to consider?  Michelle Griffiths from TAG Financial is back with us to discuss the options surrounding an early retirement and the best tax structures to consider.  These include investment company structures as well as family trusts.  There are many benefits as well as potential traps so listen and there's something to be gained.  We'll also provide a handy link to Michelle as a reference.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 04 Feb 2025 10:27:00 +1100<![CDATA[Summer #6 - Prenuptual Agreements - Dollars & Making Sense 21 Jan 2025]]>https://www.otgcapital.com.au/blogs/post/summer-6-prenuptual-agreements-dollars-making-sense-21-jan-2025For many contemplating remarrying, the thought of losing assets or long-held family properties is too much to countenance. Pre-nuptual Agreements are often talked about in movies,]]>
choosing an adviser
Welcome to our Summer Series of archive blogs from the past year.  We'll be featuring our favourite shows from 2024 until we return in Feb'2025.  Thanks for watching/listening.
For many contemplating remarrying, the thought of losing assets or long-held family properties is too much to countenance.  Pre-nuptual Agreements are often talked about in movies, so today we continue our discussion with Ian McLeod from RP Emery Legal Documents about how these binding financial agreements work.  A discussion that clears up some old myths and provides some clarity in an often misunderstood area of the law.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 21 Jan 2025 10:24:00 +1100<![CDATA[Downsizer Contributions - Dollars & Making Sense 10 Dec 2024]]>https://www.otgcapital.com.au/blogs/post/downsizer-contributions-dollars-making-sense-10-dec-2024We're deep diving into Downsizer Contributions to superannuation. If you own your own home, and need a neat way to bring your retirement balance closer to your goal, this may be a great way of doing it.]]>
choosing an adviser

Home owners looking to move onto their next place have a unique opportunity to top up their super balances.  This week we welcome a new contributor from IFPA (Institute of Financial Professionals Australia), Stuart Sheary, tech specialist and we're deep diving into Downsizer Contributions to superannuation.  If you own your own home, and need a neat way to bring your retirement balance closer to your goal, this may be a great way of doing it.  Stuart works through the "tips and traps" to take advantage the next time you decide to sell up and move on.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 10 Dec 2024 09:00:00 +1100<![CDATA[Topping Up Your Super - Dollars & Making Sense 3 Dec 2024]]>https://www.otgcapital.com.au/blogs/post/topping-up-your-super-dollars-making-sense-3-dec-2024Work test rules for thos aged between 67 and 75 have been eased and the Preservation Age increased to better align tax regimes and make it easier to reach goals.]]>
choosing an adviser

What is the difference between Preservation Age and Retirement Age?  When can I access my super to draw a pension, and as I approach my retirement, are there ways to boost the super balance of myself and my spouse?  Natasha Panagis of the Institute of Financial Professionals Australia (www.ifpa.com.au), superannuation subject matter expert illuminates us on what are the proven and effective ways to ensure you reach your goal of having enough to retire comfortably.  Work test rules for thos aged between 67 and 75 have been eased and the Preservation Age increased to better align tax regimes and make it easier to reach goals.  Tune in to find out how.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 03 Dec 2024 09:50:17 +1100<![CDATA[Types of Super Funds - Dollars & Making Sense 19 Nov 2024]]>https://www.otgcapital.com.au/blogs/post/types-of-super-funds-dollars-making-sense-19-nov-2024Key differences between Self Managed Super Funds (SMSFs), and APRA super funds (industry, govt, pvt). There are many advantages and disadvantages to running your own show, and we also delve into "wrap accounts", a handy way to sit between a self managed option and a fully regulated fund.]]>
choosing an adviser
Natasha Panagis, subject matter expert on all matters superannuation joins us to work through key differences between Self Managed Super Funds (SMSFs), and APRA super funds (industry, govt, pvt).  There are many advantages and disadvantages to running your own show, and we also delve into "wrap accounts", a handy way to sit between a self managed option and a fully regulated fund.  Hear it best from the experts on Dollars & Making Sense.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 19 Nov 2024 21:00:00 +1100