John is 58. Julia is 57. Together they've built $5.63 million in net worth — a family home, two investment properties, super, cash in the bank. On paper, they've made it. But 76% of their wealth is locked in property, and over half of it sits in a home that earns them nothing. One investment property has gained $400K. The other has lost $200K on paper and still costs more to hold than it returns. And despite everything they've built, they're not sure they can afford to spend it.

In this episode, Cam sits down with Andrew Brown - Independent Financial Adviser at IWP to unpack a real case study: a couple standing at the crossroads of retirement, torn between the life they've accumulated and the life they actually want. Time with grandchildren in Adelaide and South East Queensland. A slower pace. A beach home in Ulladulla. Being there for aging parents. They dig into the accumulation mindset that got John and Julia here, the emotional pull of a family home full of memories, and the strategic questions every couple in this position needs to ask before they can retire with confidence — not just capacity.

If you've built wealth but aren't sure how to use it, this one's for you.

DISCLAIMER: This videocast 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.