In this episode of Freedonomix, Cameron speaks with IWP Senior Financial Adviser Lynn Zhao to unpack one of the most common questions investors ask: Is now the right time to invest?

Rather than focusing on market predictions, this conversation explores what really matters — your goals, your time frame, your ability to tolerate volatility, and the importance of having a disciplined long-term plan. Cam and Lynn discuss why trying to pick the perfect time to invest can be unhelpful, how fear and hesitation can keep people stuck in cash, and why evidence-based investing is often less about timing the market and more about spending meaningful time in it.

It's a thoughtful discussion about behaviour, perspective, and making investment decisions with clarity and confidence.

For the articles that Lynn wrote click here https://www.independentwealthpartners.com.au/insights/is-now-the-right-time-to-invest/

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 Freedomonix, Cameron speaks with Chris Haggart - Partner and Financial Adviser about the psychology of wealth and the search for meaning beyond a paycheck. Drawing on themes from Chris's articles, they explore why financial decisions are rarely just about money, how people often link self-worth to income and status, and why true wealth may be better measured by freedom, alignment and peace of mind.

They also discuss the importance of understanding the "why behind the why" in financial advice, and how a life-first approach can help people make better decisions with the resources they already have. It is a reflective conversation about money, identity, contentment and what really matters over the long term.

For the articles that Chris wrote click here

https://www.independentwealthpartners.com.au/insights/are-you-rich-or-wealthy-there-is-a-difference/

https://www.independentwealthpartners.com.au/insights/the-psychology-of-wealth-is-there-purpose-beyond-your-paycheck/

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 latest episode of our video podcast, Cameron and Shane unpack Shane's recent blog article, "Death Tax by Stealth."

Unfortunately, in Australia if you die with money in your super and you want to pass this through to your adult children, then the taxable component of your super fund is taxed at 15% plus the medicare levy (2%).

In this episode, Cameron and Shane talk through the ways to reduce this tax to ensure that your children receive more of your estate rather than the ATO.

Read the full article here: Death Tax by Stealth

Access the videocast here: IWP - Death Tax by Stealth April 2026

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 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.