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In this Episode 16 of the Unlock Your Business Podcast, brought to you by Manly Financial Services, we disucss the Great WealthTransfer - Tips & Traps to Ensure Your Legacy is Transferred Tax + Cost Effectively and Without Family Conflict. To see how Manly Financial Services can help you achieve your financial goals and aspirations, contact us via our website at www.manlyfs.com.au. Please Note - Manly Financial Services Pty Ltd is a Corporate Authorised Representative (Representative No.: 321127) ABN 38 115 806 883 of Futuro Financial Services Pty Ltd, Australian Financial Services Licensee (AFSL 238478) and Corporate Credit Representative (Representative No.: 469467) of Fintegritas Pty Ltd, Australian Credited Licensee (ACL 536954). This video has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not take into account any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.

In this video of Episode 15 of the Unlock Your Business Podcast, brought to you by Manly Financial Services, we discuss the how SME owners can build personal wealth outside their company asa way to reduce their risk and secure their retirement. To see how Manly Financial Services can help you achieve your financial goals and aspirations contact us via our website at www.manlyfs.com.au. Please Note - Manly Financial Services Pty Ltd is a Corporate Authorised Representative (Representative No.: 321127) ABN 38 115 806 883 of Futuro Financial Services Pty Ltd, Australian Financial Services Licensee (AFSL 238478) and Corporate Credit Representative (Representative No.: 469467) of Fintegritas Pty Ltd, Australian Credited Licensee (ACL 536954). This video has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not take into account any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.

In this video of Episode 14 of the Unlock Your Business Podcast, brought to you by Manly Financial Services, we discuss the Financial Planning Industry, the Royal Commission into Banking & Financial Services, the industries decimation in terms of number of planners, Government Policy with CSLR and the importance of this industry for Australian's seeking to become financially secure and independent. IF YOU ARE A FINANCIAL PLANNER AND STRUGGLING TO MANAGE CLIENTS, DAY-TO-DAY BUSINESS AND THE EVER CHANGING INDUSTRY GET IN TOUCH WITH Raffi @ www.manlyfs.com.au. To see how Manly Financial Services can help you achieve your financial goals and aspirations contact us via our website at www.manlyfs.com.au. Please Note - Manly Financial Services Pty Ltd is a Corporate Authorised Representative (Representative No.: 321127) ABN 38 115 806 883 of Futuro Financial Services Pty Ltd, Australian Financial Services Licensee (AFSL 238478) and Corporate Credit Representative (Representative No.: 469467) of Fintegritas Pty Ltd, Australian Credited Licensee (ACL 536954). This video has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not take into account any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.

In Episode 13 of the Unlock Your Business Podcast, brought to you by Manly Financial Services, we present the first Raffi's Rant on potential policy decisions our Governments (Federal, State, and Local) can consider to help solve the Housing AffordabiIity problem we have in Australia. To see how Manly Financial Services can help you achieve your financial goals and aspirations contact us via our website at www.manlyfs.com.au. Please Note - Manly Financial Services Pty Ltd is a Corporate Authorised Representative (Representative No.: 321127) ABN 38 115 806 883 of Futuro Financial Services Pty Ltd, Australian Financial Services Licensee (AFSL 238478) and Corporate Credit Representative (Representative No.: 469467) of Fintegritas Pty Ltd, Australian Credited Licensee (ACL 536954). This video has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not take into account any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.

In this video of Episode 12 of the Unlock Your Business Podcast, brought to you by Manly Financial Services, I share our experience in managing our business through a difficult 2024 as we aimed to "Survive to 2025". I discuss how my plans for 2024 de-railed quite quickly, how we reacted and how we got through to the other side in much better shape by leveraging the most valuable asset in our business - Our Team! We could not have done it without the coaching and guidance of the team at Sean Soole's Inner Circle. You can reach them at www.seansoole.com. To see how we can help you turn your hard earned business profits to personal assets and wealth contact us via our website at www.manlyfs.com.au. Please Note - Manly Financial Services Pty Ltd is a Corporate Authorised Representative (Representative No.: 321127) ABN 38 115 806 883 of Futuro Financial Services Pty Ltd, Australian Financial Services Licensee (AFSL 238478) and Corporate Credit Representative (Representative No.: 469467) of Fintegritas Pty Ltd, Australian Credited Licensee (ACL 536954). This video has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not take into account any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.

Ep 11 - Intergenerational Wealth Transfer, Using Entities & Obtaining Finance Today with Zareh Deyirmendjian In this episode I chat with Zareh Deyirmendjian, Financial Planner and Mortgage Advisor at Manly Financial Services, to discuss intergenerational wealth transfer, using entities for asset ownership and obtaining finance today. I hope you enjoy this discussion, and I hope there's something there that's useful for you and your family. Please share this episode with anyone that you think could benefit from this discussion. And please like and subscribe to this podcast on whichever platform that you listen to your podcasts. Thank you, and I hope you enjoy the episode. This podcast is brought to you by financial planning firm Manly Financial Services. Please Note - Manly Financial Services Pty Ltd is a Corporate Authorised Representative (Representative No.: 321127) ABN 38 115 806 883 of Futuro Financial Services Pty Ltd, Australian Financial Services Licensee (AFSL 238478) and Corporate Credit Representative (Representative No.: 469467) of Fintegritas Pty Ltd, Australian Credited Licensee (ACL 536954). This video has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not take into account any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.

Episode 10 – Asset Ownership For Higher Income Earners: Tip's & Trap's  In this episode we focus on the asset ownership options for higher income earners - Tip's and traps. We discuss the pros and cons of different methods of asset and investment ownership in relation to tax management, asset protection and flexibility. I hope you enjoy this discussion, and I hope there's something there that's useful for you and your family. Please share this episode with anyone that you think could benefit from this discussion. And please like and subscribe to this podcast on whichever platform that you listen to your podcasts. Thank you, and I hope you enjoy the episode. This podcast is brought to you by financial planning firm Manly Financial Services.

Episode 9 – Super Death Benefits Tax can Cost Your Dependents Thousands of $$'s In Ep 9 we focus on the largely unknown Super Death Benefits Tax. When clients enter retirement and start drawing a pension, they can easily think that the era of taxes are largely behind them as their pension income, earnings and capital gains are tax-free. However, this is not necessarily the case as their dependent adult children will incur Super Death Benefits Tax on the Taxable component of their super and pension accounts. This may not seem like an important consideration, but if you have accumulated a large part of your retirement savings from employer contributions, salary sacrifice or other tax-deductible contributions then this Taxable component can be sizeable and result in significant taxes for the next generation. This episode explains what Super Death Benefits Tax is, how it works and the ways in which you can eliminate it for your adult children. I hope you enjoy this discussion, and I hope there's something there that's useful for you and your family. Please share this episode with anyone that you think could benefit from this discussion. And please like and subscribe to this podcast on whichever platform that you listen to your podcasts. Thank you, and I hope you enjoy the episode. This podcast is brought to you by financial planning firm Manly Financial Services.

Episode 8 – Mental Health Awareness #3 - The Journey of Health & Fitness Coach Brad Mattioli Ep 8 is the last episode I'm recording before I leave for my trek summiting, Mt Meru and Mt Kilimanjaro in Tanzania. And the last episode that I'll be focusing on mental health. I will be recording some discussions on the mountain and I will try to release those in podcast form to tie in this whole discussion on mental health for business executives, business owners, and entrepreneurs. Although it does seem like a full stop on this discussion, it in no way is as the way we deal with our emotions, thoughts, and difficulties in our lives to be the best version of ourselves really never ends. It's a journey and not a destination…. And my trek is just another stage of my journey. From the outset the aim of these episodes was to discuss mental health from the perspective of a business manager and owner to hopefully prompt others in a similar situation, with similar pressures and stresses, to think about their own situation and how they can manage their mindset and reactions to difficult challenges that they face day to day. In today's episode, my first in an interview style, I'm discussing health, mindset, nutrition, and business with my CrossFit coach, Brad Mattioli. We focus on his challenges in entering the fitness industry, his start as a CrossFit coach, the Covid period for a young business owner and coach trying to establish himself and his approach to challenges in life, plus with his clients as a CrossFit, fitness, nutrition, and sleep coach. I hope you enjoy this discussion, and I hope there's something there that's useful for you to gravitate towards. Please share this episode with anyone that you think could benefit from this discussion. And please like and subscribe to this podcast on whichever platform that you listen to your podcasts. Thank you, and I hope you enjoy the episode. You can find Brad Mattioli @BradMattCoach on Instagram and Twitter This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners.

Episode 7 – Mental Health Awareness #2 - Rules Of The Game Ep 7 discusses a way that we can ensure that we stay on track without being derailed by our thoughts, emotions, and negative mindset. A way we can manage procrastination to achieve our goals without slipping into a negative mental state.    The episode discusses the application of The Rules of The Game explained by Bedros Keuilian on the Bedros Keuilian Podcast Show (episode 001). Subscribe to Bedros' podcast wherever you consume your podcast content. This series of podcasts aims at raising awareness and discussion for mental health issues faced by business owners, executives, and managers. In 2023 I am trekking to the summit of Mt Kilimanjaro – the highest mountain in Africa and one of the 7 Summits - and instead of raising money during this trek I am focusing my efforts on building on the conversation focusing on mental health issues and strategies. At the end of the day, if all this does is spark a prolonged discussion or awareness then I have 100% achieved my goals with this series of episodes.   This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The author, guests or sponsors, Manly Financial Services Pty Ltd  and Value Investment Partners Pty, Ltd and the sponsors respective Australian Financial Services Licensees, Futuro Financial Services Pty Ltd (AFSL 238478) and JRP Securities Pty Ltd (AFSL 455657), have prepared this podcast for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not consider any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Although every effort has been made to verify the accuracy of the information contained in this document, the author, guests, sponsors and sponsors licensee's, there respective officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.  

Episode 6 – Mental Health Awareness #1 - My Trek Ep 6 is the first of a series of episodes that will focus on or shine the light on mental health issues for business owners and executives. These episodes will also touch on my preparation for my next adventure in February 2023 trekking to the top of Mt Meru and Mt Kilimanjaro in Tanzania, the highest mountain on the African continent. I usually try to raise some money for charity during my trekking adventures, but in this environment, I thought it'd be best to instead focus on shining a light on an important issue that many people deal with every day. At the end of the day, if all this does is spark a prolonged discussion or awareness then I have 100% achieved my goals with this series of episodes.   This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The author, guests or sponsors, Manly Financial Services Pty Ltd  and Value Investment Partners Pty, Ltd and the sponsors respective Australian Financial Services Licensees, Futuro Financial Services Pty Ltd (AFSL 238478) and JRP Securities Pty Ltd (AFSL 455657), have prepared this podcast for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not consider any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Although every effort has been made to verify the accuracy of the information contained in this document, the author, guests, sponsors and sponsors licensee's, there respective officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.

Episode 5 – Business Strategy in Challenging Times Ep 5 is a discussion centred on managing your business and strategy in challenging and dynamic times. This episode comes some time after episode 4 and the reasons for this delay is discussed in relation to the challenges that have been faced by many in the Financial Planning community. I discuss these challenges in re to Government regulation change (once again) and the way you can assess whether to pursue a Defensive or Growth strategy with your business and how to navigate from there. We discuss charge-out rates for staff, work flow planning and a way technology can be used to leverage the business and its processes for scale and cost-efficiency. This discussion can help any business consider how to proceed in a challenging and dynamic market place.     This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The author, guests or sponsors, Manly Financial Services Pty Ltd  and Value Investment Partners Pty, Ltd and the sponsors respective Australian Financial Services Licensees, Futuro Financial Services Pty Ltd (AFSL 238478) and JRP Securities Pty Ltd (AFSL 455657), have prepared this podcast for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not consider any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Although every effort has been made to verify the accuracy of the information contained in this document, the author, guests, sponsors and sponsors licensee's, there respective officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.

Episode 4 – Pivoting Your Business to a Blue Ocean Ep 4 is a discussion centred on the Blue Ocean Strategy first introduced by W. Chan Kim and Renée A. Mauborgne in their 2015 book and implemented by present businesses such as Uber, Menulog and many others. The conversation focuses on the Financial Planning industry and the work we have done at Manly Financial Services in assessing whether a new business strategy would benefit our business and allow us to gain a competitive advantage within our industry. How can an existing developed business compete in un-contested or an under-contested market place and does the strategy make sense financially for the business and its current resources.  This discussion can help any business step back and determine whether a new strategy or new arm to there business can help them grow and generate more value in a more attractive competitive position.     This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The author, guests or sponsors, Manly Financial Services Pty Ltd  and Value Investment Partners Pty, Ltd and the sponsors respective Australian Financial Services Licensees, Futuro Financial Services Pty Ltd (AFSL 238478) and JRP Securities Pty Ltd (AFSL 455657), have prepared this podcast for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not consider any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Although every effort has been made to verify the accuracy of the information contained in this document, the author, guests, sponsors and sponsors licensee's, there respective officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.

Episode 3 – Financial Planning Advice Buyer Beware Ep 3 is a discussion of some main points a Financial Planning Adviser Buyer needs to look out for to ensure they are dealing with one of the majority of ethical and professional financial planners in the marketplace and not the bad-apple minority that we only hear about in the news. These un-ethical and un-professional minority are dragging the industry down with them, and I feel it is important to provide an outline of the ways in which these people can be weeded out before they cause more destructions of people's livelihoods and the integrity of our industry as a whole.    Although this podcast is designed specifically to talk Financial Planning & Business Management for business owners and operators, this episode would be of great benefit for all people who are thinking of engaging a Financial Planning professional. So please share!     This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The author, guests or sponsors, Manly Financial Services Pty Ltd  and Value Investment Partners Pty, Ltd and the sponsors respective Australian Financial Services Licensees, Futuro Financial Services Pty Ltd (AFSL 238478) and JRP Securities Pty Ltd (AFSL 455657), have prepared this podcast for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not consider any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Although every effort has been made to verify the accuracy of the information contained in this document, the author, guests, sponsors and sponsors licensee's, there respective officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.

Episode 2 – Know "Why" You're in Business for Times of Stress Ep 2 is a discussion on the importance of defining your Why, your Purpose and your Values to get you through times of stress with your business.... whether these are market related, customer related, staff related or environment related. This episode reminds us at this times of stress with the Covid-19 affecting our business operation and performance Why we are in Business and Why we do what we do to help us play the long-game and build a sustainable and profitable business.    This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The author, guests or sponsors, Manly Financial Services Pty Ltd  and Value Investment Partners Pty, Ltd and the sponsors respective Australian Financial Services Licensees, Futuro Financial Services Pty Ltd (AFSL 238478) and JRP Securities Pty Ltd (AFSL 455657), have prepared this podcast for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not consider any person's investment objectives, financial situation and particular needs. Before making any investment decision based on this advice, you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Although every effort has been made to verify the accuracy of the information contained in this document, the author, guests, sponsors and sponsors licensee's, there respective officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.