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In this episode of Transformation Unlocked, Adrian sits down with Jordan Ryan, from Koda Capital, to unpack how trade business owners can turn today’s profit into tomorrow’s freedom and make work optional.

If you’re building a plumbing, electrical, HVAC or other trades business and you’re asking, “How do I actually use this money so I don’t have to work forever?”... this one is for you.

Jordan breaks down wealth creation in simple language: how much you really need, why “65” is a made-up finish line, how to think about super, and what to do before and after a liquidity event when you sell your business.

In This Episode, You’ll Learn:

-“Work optional” vs retirement

-How much is enough?

-The “retirement smile” why your spending is higher at the start of retirement, drops, then rises again with health costs.

-Superannuation basics for business owners

-Simple tax-win mindset

-All-Weather Portfolio 101

-From accumulation to drawdown

-Self-managed super funds (SMSFs)

-The power of money conversations at home

Episode Highlights

“Stop thinking about retirement. Start thinking, When do I want work to be optional?”

How wealthy people tend to talk more about money – and why your friendship circle might be holding back your financial growth.

The danger of locking 60% of your net worth into a single asset (one property, one fund, one deal) after you sell your business.

In this episode:

00:00 Work optional vs retirement

05:10 How much is enough and finding your freedom number

16:05 Super and tax for trade business owners

23:10 All weather investing and diversification

27:00 Shifting from growing wealth to living off it

30:45 When an SMSF actually makes sense

38:15 Money conversations, concentration risk, and avoiding hype

Connect with Jordan

LinkedIn: https://www.linkedin.com/in/jordan-ryan-financial-adviser/

jordan.ryan@kodacapital.com

Website: https://kodacapital.com/

Connect with TradesFormation

https://link.me/trades_formation

https://tradesformation.com.au/

Learn to Sell. Build your systems. Lead your team.

Share this episode with another trade business owner who’s talking more about spending than building wealth and start a new kind of conversation.

Disclaimer: These insights are for education only and shouldn’t be taken as financial advice. Your situation is unique, so get proper guidance before making money-related choices.