In this episode of Weaving Gold, Nathan Fradley and Jordan Vaka explore a powerful framework for thinking about money—not just as numbers in a bank account, but as resources flowing through four distinct dimensions of life.

Whether you're running a business, supporting adult children, planning for retirement, or feeling the pull to give back, this conversation introduces the idea of seeing your wealth through four "buckets":

1. Personal wealth – your income, savings, superannuation, and financial safety net.

2. Business wealth – the money inside your business or practice, which may be tightly linked to your identity and daily decisions.

3. Family wealth – the funds you use to support others, often adult children or ageing parents.

4. Philanthropic wealth – charitable giving, donations, or broader contributions to community and causes you care about.

Nathan and Jordan explain how failing to separate these areas can lead to unintended consequences—like overcommitting to your business and neglecting your retirement plan, or helping children too early and compromising your own financial security. They share real-world stories from the advice profession, highlight common traps, and offer strategies to realign decisions with your values.

This episode is especially relevant for women aged 50–70 who are at the crossroads of caring for others while planning for themselves. It’s easy to fall into the habit of putting others first—but without a clear view of your own financial wellbeing, even generous actions can create stress or long-term regret.

Key themes explored in this episode include:

• Why money in your business isn’t necessarily your money

• How to help your kids without becoming financially vulnerable

• The role of trusts and structures in family wealth planning

• How philanthropic giving fits in—without waiting until retirement

• The difference between lived values and aspirational values in financial decision-making

Nathan and Jordan also reflect on how money can be a tool for alignment—helping you live in line with the kind of person you want to be. By reviewing your wealth through this four-pillar lens, you can get clearer on where you stand, what needs attention, and how to be more intentional with every financial choice you make.

If you’re someone who’s been asking: “Am I doing the right things with my money?”—this episode is a helpful reframe.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

In this episode, Nathan Fradley and Jordan discuss the complexities of asset division during divorce, emphasizing the importance of understanding the negotiation process, maintaining empathy, and focusing on individual needs rather than strict percentages.

They explore how to approach asset division thoughtfully, considering both financial and emotional aspects, and provide practical advice for navigating this challenging time.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

In this episode, Nathan Fradley and Jordan discuss the complexities of having parents move in with their adult children.

They explore the emotional and financial implications, the potential for conflicts of interest, and the importance of clear communication and agreements.

The conversation also covers granny flat arrangements, the necessity of professional guidance, and how to navigate family dynamics effectively.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

This episode discusses the critical aspects of death benefits in superannuation, focusing on the importance of updating beneficiary nominations to avoid unintended consequences, such as leaving benefits to an ex-spouse.

The conversation covers the mechanics of beneficiary nominations, the implications of tax dependents, and the integration of superannuation with wills to ensure that assets are distributed according to one's wishes.

The hosts emphasize the need for proactive estate planning and the potential financial impact of these decisions.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

In this episode, Nathan Fradley and Jordan discuss the complexities of capital gains tax, particularly in relation to property sales and how individuals can strategically reduce their tax liabilities through superannuation contributions.

They explore the differences between concessional and non-concessional contributions, the importance of understanding tax implications, and the potential risks associated with super contributions.

The conversation emphasizes the need for tailored financial strategies and the value of seeking professional advice.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

• Understanding your own financial circumstances is crucial.
• Superannuation is a tax structure designed for retirement savings.
• The tax rate within super is significantly lower than personal tax rates.
• Decisions should not be made solely based on tax benefits.
• Accessing superannuation is subject to preservation age rules.
• Employment status affects access to superannuation funds.
• Converting super to a pension can have tax implications.
• Personal feelings and financial stress play a significant role in decision-making.
• Centrelink assessments can impact superannuation strategies for couples.
• Professional advice is essential for navigating complex financial decisions.

In this episode, Nathan Fradley and Jordan Vaka discuss the emotional and practical aspects of navigating life after separation or divorce. They emphasize the importance of understanding the grief process, making strategic decisions, and the role of professionals in guiding individuals through this challenging time. The conversation highlights the significance of visualizing life after separation, empowering oneself with knowledge, and maintaining focus on personal values and goals. The hosts provide insights on how to manage emotions and expectations while looking ahead to a brighter future.