In the next few episodes of Freedonomix we are sitting down with our clients to chat through their personal lived experience of Retirement. We have thoroughly enjoyed these genuine conversations about our clients journey's through both the financial and lifestyle experience of their retirements and we think there are a number of pieces of gold throughout.

In this episode of Freedonomix, we speak with John Hurley about his experience of moving into retirement and what the transition has really looked like in practice. John shares some of his career background, what he valued most about his working life, and what he was looking forward to as retirement drew closer.

We also discuss the uncertainty that can come with such a major life change — the things he felt nervous about, what surprised him once retirement began, and what turned out differently to what he expected. A key part of the conversation is also the role of health in retirement, and how important it becomes in shaping lifestyle, freedom and enjoyment in this next phase of life.

It's an honest and thoughtful discussion about the realities of retirement, with practical insights for those starting to think about what life after work might really involve.

DISCLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433

In the next few episodes of Freedonomix we are sitting down with our clients to chat through their personal lived experience of Retirement. We have thoroughly enjoyed these genuine conversations about our clients journey's through both the financial and lifestyle experience of their retirements and we think there are a number of pieces of gold throughout.

In this episode of Freedonomix, we sit down with IWP clients David and Narelle Harvey to talk about what the transition into retirement has really been like for them. They share the story of their working lives, what they enjoyed most along the way, and what they were most looking forward to as they stepped into this new chapter.

We also unpack the other side of retirement — the nerves beforehand, the surprises once it actually began, and the things that unfolded that they had not expected. David and Narelle speak openly about the emotional shift that comes with leaving work behind, adjusting to a different rhythm of life, and finding purpose and enjoyment in the years ahead.

It's a warm and honest conversation filled with practical reflections for anyone thinking about retirement, preparing for it, or already beginning the journey.

DISCLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433

In the next few episodes of Freedonomix we are sitting down with our clients to chat through their personal lived experience of Retirement. We have thoroughly enjoyed these genuine conversations about our clients journey's through both the financial and lifestyle experience of their retirements and we think there are a number of pieces of gold throughout.

In this episode of Freedonomix, we sit down with IWP client Ian Horn and former corporate executive to talk candidly about his transition into retirement. Ian reflects on his career background, what he valued most about his working life, and what he was most looking forward to as retirement approached.

We also explore the more uncertain side of the journey — what made him nervous, what surprised him about the reality of retired life, and the things that happened that he simply did not expect. Ian shares honest and practical insights about the emotional and lifestyle shift that comes with stepping away from work, along with some thoughtful advice for anyone preparing for this next stage of life.

It's a genuine conversation about retirement beyond the numbers — and what it really feels like when the day finally arrives.

DISCLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433

Link to IWP's April 2026 Update (PDF) Monthly Market and Economic Chart Pack

Markets have experienced a volatile and challenging period over the past month, with both equity and bond markets declining as geopolitical developments—particularly escalating conflict involving Iran—drive renewed uncertainty, rising oil prices, and inflation concerns. In this month's discussion, Shane and Chris unpack the key issues influencing markets and portfolio positioning:

• Equity markets declined by approximately 7% in March, marking one of the weakest months since 2022, as ongoing conflict and uncertainty weighed heavily on investor sentiment

• Escalating tensions involving Iran and the United States have increased geopolitical risk, with unpredictable leadership dynamics contributing to heightened market volatility

• Oil prices have risen above $100 per barrel amid supply disruptions and concerns around key shipping routes, reinforcing global inflationary pressures

• Rising fuel and energy costs are impacting both households and businesses, with discretionary spending expected to weaken as essential expenses increase

• Inflation remains a key concern globally, particularly in Australia where price pressures were already elevated, increasing the likelihood of delayed or additional interest rate hikes

• Historically, markets react sharply in the early stages of conflict before entering a stabilisation phase, with current conditions suggesting we may be transitioning beyond the initial shock period

• Consumer sentiment has softened, with individuals and businesses delaying decision-making amid ongoing uncertainty

• While short-term volatility has been significant, broader market performance over the past 12 months remains relatively resilient, highlighting the importance of maintaining perspective

• Portfolio strategy remains unchanged, with a continued focus on diversification across sectors, asset classes, and geographies to manage risk in unpredictable environments

• Attempting to time markets or make short-term tactical shifts remains highly challenging, particularly given rapidly changing geopolitical developments and market reactions

Overall, the message remains consistent: remain disciplined, avoid reacting to short-term volatility, and stay focused on long-term investment fundamentals and the benefits of a well-diversified portfolio.

Should you prefer this in video form, please head to YouTube

DISCLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

In this episode of Freedonomix, Cameron Howlett sits down with Tim Dawe, our newest partner at IWP to unpack the growing conversation around potential capital gains tax changes and what they could mean for the Australian property market. Together, they explore how the current CGT discount works, why governments may be tempted to change it, and whether any reform would genuinely improve housing affordability or simply reshape investor behaviour. It's a timely discussion on tax policy, property strategy and the broader forces influencing wealth creation in Australia.

DISCLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

In this episode of Freedonomix, Cameron and Shane sit down with physiotherapist, business leader and former Kieser Australia director Tim Dettmann.

Tim shares the story behind his journey from a young physio to helping grow Kieser Australia from a single clinic into a national network of more than 26 clinics and hundreds of staff. But this conversation goes far deeper than business success.

We talk about the moments that shape a life — the decisions where you have to take a risk, the importance of backing yourself, and the people who support you along the way.

Tim reflects on the power of family support, the lessons learned from stepping into the unknown, and why doing difficult things often becomes the catalyst for growth.

This is a conversation about resilience, courage and what it really takes to build something meaningful over time.

If you've ever stood at a crossroads wondering whether to play it safe or take the leap, this episode is for you.

DISCLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

Link to IWP's Global Investment Outlook (PDF)

Global markets have delivered strong returns over the past year, supported by resilient economic growth and continued momentum in AI-driven investment, while policy uncertainty and inflation risks remain key watchpoints heading into 2026. In this month's update, Cam and Naasha from Willis Towers Watson review portfolio performance and outline the global economic and asset class outlook:

• Investment portfolios have continued to outperform their long-term objectives across defensive, balanced and growth strategies, reflecting disciplined asset allocation and low-cost implementation
• U.S. growth remained more resilient than expected in 2025, driven by strong consumer spending and significant AI-related capital investment, with 2026 growth forecast to remain above trend
• Inflation in the U.S. is expected to stay elevated but manageable, with only limited scope for further rate cuts as the Federal Reserve balances growth and price pressure
• European growth has also proven steady despite trade tensions, with fiscal expansion and stable inflation supporting a constructive outlook for equities
• In Australia, economic growth has improved, though inflation has re-accelerated, prompting a recent rate hike; the RBA is expected to remain cautious and data-dependent in 2026
• China met its 5% growth target in 2025, successfully navigating trade tensions, with technology investment and domestic consumption key to its 2026 outlook
• Global equities remain the preferred asset class in the short term, supported by earnings growth, fiscal expansion and ongoing AI investment, while government bonds continue to play an important diversification role
• Credit markets appear less attractive in the near term due to tight spreads, and currency movements have seen the Australian dollar strengthen against a softer U.S. dollar

Overall, the message remains clear: despite heightened policy and geopolitical uncertainty, markets have shown resilience. A diversified, long-term investment approach remains central to navigating volatility while positioning portfolios for continued global growth opportunities.

Should you prefer this in video form, please head to our YouTube

DISCLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

Link to IWP's January 2026 Update (PDF) Market Update

Markets have started the year on a steadier footing, with equity markets rebounding after a softer end to last year, while geopolitical developments add a layer of uncertainty without materially disrupting markets so far.

In this month's discussion, Andrew and Chris unpack the key issues influencing markets and portfolio positioning:

• Equity markets have opened the year reasonably well following a weaker finish to last year, with January activity picking up as investors return from the holiday period
• Geopolitical tensions involving Venezuela and Iran, alongside renewed unpredictability from Donald Trump, have increased headline risk, though market impacts have remained relatively muted to date
• Oil prices remain a key watchpoint, with any escalation in global tensions potentially feeding through to higher energy costs and renewed inflation pressures
• In Australia, inflation has eased from prior peaks but remains above the RBA's target range, while stronger-than-expected consumer spending suggests parts of the economy may be reheating
• The RBA faces a finely balanced outlook, with improving sentiment and spending weighed against ongoing cost-of-living pressures and the risk of further inflation persistence
• In the U.S., attention is turning to tensions between Trump and the Federal Reserve, including scrutiny of Jerome Powell, raising questions around central bank independence and future rate policy
• Portfolio strategy remains unchanged, with no short-term adjustments in response to current news flow, reinforcing a disciplined, long-term investment approach
• Diversification and broad market exposure continue to be emphasised, with expectations that returns will broaden beyond a small group of high-profile tech and AI stocks over time
• Overall, the message remains consistent: stay the course, avoid reacting to short-term noise, and remain focused on long-term fundamentals and diversified portfolio construction.

Should you prefer this in video form, please head to Youtube