Freedonomix

Hosted by Independent Wealth Partners

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Latest episode

Oct 2026

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EN-AU

About the show

Freedonomix is a podcast about more than just money—it's about people, purpose, and the stories that shape our lives. Powered by Independent Wealth Partners, this show is for anyone who believes that true financial freedom is about living the life you want, not just the returns you get. At Freedonomix, we dive into two key areas, Practical Financial Wisdom (tax, investing, wealth strategies etc.) as well as Inspiring Life Stories from friends and clients . Whether you're here for the financial insights, the personal stories, or a bit of both, we're glad you've joined us. Lets get started.

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60 recent

October 25, 202635 min

Fair is not always equal - Farming Succession Plans

Most farming families have a succession plan. The problem is it often lives in one person's head. In this episode, Cameron Howlett - CEO and Independent Financial Adviser sits down with Shane Nicholas - Independent Financial Adviser and Partner at IWP. He talks through what it takes to hand over the family farm. He covers why fair rarely means equal, and why splitting the farm down the middle can leave it too small to run. He explains how control can pass to the farming child before the land does. He looks at how tax concessions shape the timetable. He also covers the step most plans miss: Mum and Dad need to fund their retirement off the farm. Cameron also covers the conversations families tend to put off. These include protecting land if a relationship breaks down, keeping wills up to date as titles move, and the High Court's 2024 decision in Kramer v Stone on promises made to children who work the farm. If the next generation is home, or thinking about coming home this one is for you. Read the full article here: https://www.independentwealthpartners.com.au/insights/succession-planning-for-farmers/ (Independent Wealth Partners Pty Ltd (ASIC # 1286417 ABN 66 647 667 249) is an independent professional financial advice practice which operates under the Australian Financial Services Licence (Independent Wealth Services AFSL # 512433). This document is general advice only and it does not take into account any person's individual objectives, financial situation or needs. IMPORTANT: The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

October 20, 202629 min

The Human side of investing - What Dalbar really tells us!

This week, Shane Nicholas - Independent Financial Adviser and Partner is back on Freedonomix after a couple of months away. This week he talks with Cameron about his article, The Human Side of Investing: What Dalbar Really Tells Us . Dalbar research tracks what investors actually earn when they move money in and out of the market. In 2024, the S&P 500 returned 25%. The average investor got 16.5%. In US bonds last year, investors kept about a third of the market return. Shane and Cam explain why this happens. They cover fear, herd behaviour, the urge to "do something", and how our upbringing around money shapes our choices for life. They also share how a clear plan can help you feel safe enough to stay the course. That includes ring-fencing the money you need to live on, and waiting 48 hours before acting on a big decision. A small gap each year adds up. On $1 million over 20 years, it can cost you $1.3 million. 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.

October 12, 202628 min

IWP Market Update October 2026

This month Chris Haggart sits down with Shane Nicholas - Partner and Independent financial adviser at IWP to discuss all things economics and markets over the course of the last month. 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.

September 21, 202625 min

So someone passed away, do I call the bank?

This week, Cameron sits down with Brigitta, an independent financial adviser at IWP, to talk through what to do when someone passes away. Losing someone comes with grief, and then it comes with paperwork. Bank accounts. Wills. Super. Bills that were never in your name. In this episode, we cover the practical side of death that no one prepares you for, and why calling your financial adviser before you notify anyone else can save you months of headaches. We cover: Why joint accounts and single accounts behave completely differently after a death What happens to super and pensions if there's no clear nomination The extra mess that comes with assets or property overseas Simple things you can set up now so your family isn't caught out later. If you've ever wondered why should I be prepared for when I pass away, this ones 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.

September 14, 202627 min

The Real Value of Financial Advice: Less Stress, More Confidence, Better Life Decisions

We looked at our own client data on the IWP Life Survey. Clients who've been with us for a few years score higher across every area of life we measure, not just the financial one. Spiritual wellbeing showed the biggest jump. That sent us looking at what other researchers have found. Vanguard says advised clients are about half as likely to report high financial stress. Russell Investments found confidence in reaching financial goals roughly doubles after advice. The CFP Board found advised households are better prepared, with more emergency savings and estate planning in place. In this episode, Cameron Howlett and Chris Haggart walk through the numbers and the stories behind them. It's less about the returns and more about what changes when people stop wondering if they'll be okay. https://www.independentwealthpartners.com.au/insights/the-real-value-of-financial-advice-less-stress-more-confidence-better-life-decisions/ 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.

September 11, 202624 min

IWP Market Update September 2026

Rates on hold, inflation still sticky, and the housing correction keeps spreading. In this month's update, we cover the RBA and Fed both holding steady, Australia's headline inflation easing while underlying inflation stays stubborn, a softening US labour market, and dwelling values falling across every capital city. We also look ahead to the big dates in September: US employment and CPI data, the Fed decision, and the RBA's next call. 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.

August 14, 202623 min

Navigating Life and Finances After Separation

In this podcast episode Cameron sits down with Tim Dawe - Independent Financial Adviser and partner at IWP to talk through the impact of separation through a finance lens. Separation doesn't just hit your finances. It hits everything — emotionally, physically, mentally. We break down what actually helps in those first few months: why fight-or-flight decisions backfire, why delaying a new home purchase is often smarter than rushing one, and the boring admin (Wills, super nominations) that people forget until it's too late. A settlement isn't the finish line. It's where the next chapter starts. Link to the article below https://www.independentwealthpartners.com.au/insights/the-next-chapter-navigating-life-and-finances-after-separation 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.

August 11, 202617 min

You can't out invest poor spending habits

In this weeks episode, Cameron sits down with independent financial adviser at IWP - Brigitta Nadya - to talk through the impact of poor spending habits. Everyone wants to talk about returns. Almost nobody wants to talk about cashflow — but it's usually the bigger lever. This episode looks at why a high income doesn't guarantee wealth, why lifestyle creep quietly derails good intentions, and why the person saving 20% of $90k often ends up ahead of the person earning $250k and spending it all. If you've ever wondered why the numbers aren't adding up despite doing "everything right" with investing, this one's for you. Link to the article below https://www.independentwealthpartners.com.au/insights/you-cant-out-invest-poor-spending-habits/ 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.

August 10, 202618 min

IWP Market Update - July 2026

This month, Cameron sits down with Chris Haggart - Independent Financial Adviser and Partner at IWP to discuss all things economics and markets. The RBA and the Fed stayed on hold — 4.35% and 3.50–3.75% — as each waits for clearer signals before their next move. Inflation cooling but unevenly across the US and Australia, consumer and business sentiment recovering off weak bases, growth decelerating on both sides of the Pacific, and US manufacturing standing out with its strongest reading in three years. They also cover the latest equity and bond market returns and what's on the calendar over the coming weeks, including the RBA's 11 August decision and the Jackson Hole Symposium. 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.

August 6, 202631 min

You're About to Sell Your Business. What Happens Next? | A $20 million business exit case study

Les and Angela are looking at $15.9M — an $8M business sale on the table, a testamentary trust, an SMSF holding the company premises. On paper, they've made it. Cam and Chris sit down with a case study built around a couple in that exact spot: Les is 67, Angela's 63, three adult kids, a parent with dementia, and a business sale that's about to change everything. The hard part isn't the money. It's figuring out what the money's actually for — how to help the kids without creating dependency, hold onto the beach house and city place as the family's home base, and protect what they've built if a relationship breaks down. They work through the six buckets they'd use with a client like this — lifestyle, freedom, family, protection, care, legacy — and get into where it actually gets tricky for people who've won the game but haven't worked out what to do next.

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