Originally from Germany, Andreas moved to Perth for a year off between school and uni, finally moving to WA in 2011. After working in financial advisory, he set up his own business, 3D Wealth, four years ago.

He likes to work with younger clients, as they have more time to build up their wealth. Although, of course, he’ll work with anyone looking to set themselves up. There is a growing shortage of financial advisors in Australia, due to harder rules around who can be a financial advisor.

“The biggest mistake people make is living above their means and trying to keep up with the Joneses. Wealthy people don’t show wealth. They drive the boring cars.”

¬¬

Guest: Andreas Kettemann, 3D Wealth
Web site: https://3dwealth.com.au 
Interviewer: Charlie Gunningham
Recorded at: The Hub, Technology Park, Bentley WA 6102
For more information on WA Leaders, please visit www.waleaders.com.au


Andreas Kettemann, 3D Wealth

Jeff Kowal and Aaron Spitzner share new reporting updates for 2025 qualified charitable distributions, discuss how much Americans are saving for retirement and determining how much they may need in retirement. Then Jeff and Aaron wrap things up by touching on five common financial mistakes people make when getting divorced.

The Retirement Clinic-6-14-25 – Are your saving enough for retirement?

Chaunsy Weisensel examines the importance of financial organization and shares a ten-step checklist to help make sure you are on track with your financial goals. Jeff Kowal joins to discuss America’s biggest companies cutting their workforces and what to do if you are forced to retire early. Then Chaunsy wraps things up with direct indexing and how it can be utilized.

The Retirement Clinic-6-28-25 – The Importance of Financial Organization

Aaron Kowal discusses the One Big Beautiful Bill Act, touches on many of the provisions within the bill, and explains why it is so important to work with a team of professionals to help you navigate through the latest laws.

The Retirement Clinic-7-12-25 – One Big Beautiful Bill Act

Aaron Kowal discusses how you can lower taxes in retirement without lowering your lifestyle, examines how the One Big Beautiful Bill Act influences succession planning, and wraps things up with how you can transfer wealth without turning your kids into brats.

The Retirement Clinic-7-19-25 – Lower Taxes in Retirement

Jeff Kowal discusses how sudden wealth can lead to financial mistakes and what you can do to manage it. Then touches on Americans using their 401k as an emergency fund, required minimum distributions, and social security. And wraps up the show with the dispute over Jimmy Buffett’s estate.

The Retirement Clinic-7-26-25 – How to Manage Sudden Wealth

Aaron Kowal discusses the important documents every retiree should have and how each can help you and your estate. Jeff Kowal joins to discuss longevity among women and the great wealth transfer, and touches utilizing your 401k as an emergency fund. Then Aaron wraps up the show with insights on how you can protect your portfolio from heirs who aren’t ready. 

The Retirement Clinic-8-2-25 – Essential Documents

Scaling growth isn’t just about getting bigger; it’s about vision, discipline and striking the right balance between legacy and innovation.

So how does a $30 billion-plus RIA navigate the complexities of rapid acquisitions, evolving culture and the disruptive promise of AI?

In this episode of the RIA Edge Podcast, host David Armstrong sits down with John Bunch, CEO of Allworth Financial, to unpack how he’s guiding a founder-led firm into a professionally managed enterprise. From people and strategy to the smart use of technology, John shares what it takes to shape the future of advisory services at scale.

John discusses:

- The evolution of Allworth from a founder-led practice to a $30 billion-plus RIA with a national footprint
- His leadership philosophy in transitioning firms from founder-driven to professionally managed organizations
- How acquisitions, large and small, fit into Allworth’s growth strategy and culture
- Why investment management, tax planning and estate services are central to serving today’s high-net-worth clients
- How the firm is using AI and why it is being employee-driven

Resources:

Listen to the RIA Edge Podcast on WealthManagement.com: https://bit.ly/3YVhfof 
Listen and Subscribe to the RIA Edge Podcast on Apple Podcasts: https://bit.ly/3RFXCPn 
Listen and Subscribe to the RIA Edge Podcast on Spotify: https://bit.ly/44Cbwd5 
 
Connect With David Armstrong:
 
WealthManagement.com: http://bit.ly/3RKHvyY 
LinkedIn: WealthManagement.com: https://bit.ly/3YkoRAv 
LinkedIn: David Armstrong: https://www.linkedin.com/in/djamesarmstrong/ 
Twitter: David Armstrong: https://twitter.com/djamesarmstrong 
LinkedIn: Informa: https://bit.ly/3leEF9g 

Connect With John Bunch:

Allworth Financial: https://allworthfinancial.com/ 
LinkedIn: Allworth Financial: https://www.linkedin.com/company/allworth 
LinkedIn: John Bunch: https://www.linkedin.com/in/john-bunch-6613144 

About Our Guest:

John Bunch is the Chief Executive Officer at Allworth Financial. Universally recognized within the wealth management industry, he has accumulated an extensive 30-year history of successfully leading and expanding award-winning organizations that serve both retail and institutional clients.

Before coming to Allworth, John spent over three years as the Chief Financial Services Director at Evelyn Partners (formerly Tilney Smith & Williamson), a leading integrated wealth management and professional services firm headquartered in the United Kingdom. Prior to that, he was the Chief Operating Officer and Executive Vice President of Edelman Financial Engines - where he oversaw 130 branch offices - and the Chief Executive Officer of The Mutual Fund Store. Before that, he held several key institutional sector leadership positions, including Executive Vice President at TD Ameritrade and Divisional Senior Vice President at Charles Schwab & Co.

RIA Edge Podcast: John Bunch on Scaling Up Allworth Financial

Jeff Kowal opens the show with a reminder about retirement account portability then discusses waning and waxing sibling bonds and how to safeguard them. Chaunsy Weisensel joins to share insights and tips for those who wish to retire early. Then Jeff touches on scam losses and taxes and wraps up the show with thoughts on estate planning priorities for people without children.

The Retirement Clinic-8-9-25 – Retirement Savings and Estate Planning

So, I guess every US citizen born from what 2025 to 2029 would receive a $1,000 tax deferred account from the federal government. Wonder how many people will be born during that period of time?

Episode 222 - A $1,000 Tax Deferred Account

Aaron Kowal shares how you can stress test your financial plan for major life events to help protect yourself and your family. Jeff joins to discuss what you need to know about retirement income and the IRS. Aaron touches on maximizing business liquidity and then wraps up the show with the power of gifting during your lifetime.

The Retirement Clinic-8-23-25 – Planning to Help Protect Yourself and Your Family


From the pitfalls of the old 60/40 portfolio to the hidden risks of target-date funds, Colin Richards and Dylan Schoonover reveal why traditional retirement strategies don’t hold up in today’s markets. They explain how sequence-of-returns risk can derail your income, why stocks and bonds can fall together, and smarter ways to protect your nest egg without giving up growth.

What you’ll learn:
-Why the 60/40 rule is outdated and risky for boomers
-How sequence-of-returns risk impacts withdrawals in retirement
-The barbell approach to balancing guaranteed income with growth
-Why stress testing your portfolio matters more than ever
-The #1 question every retiree should ask their financial advisor
-How to prepare for legacy planning while still enjoying retirement

Tune in to learn how to safeguard your retirement savings, reduce risk, and build a plan that lasts through good markets and bad.

Learn more at: https://lordandrichards.com/

Call for your complimentary Retirement Freedom Review: 720-372-0400

Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.

Why the 60/40 Portfolio Fails in Retirement — Smarter Strategies for Boomers

Jeff Kowal and Aaron Spitzner discuss utilizing 529 plans and UTMA accounts to save money for children and grandchildren. Then dive into senior scams and cyber fraud and examine how you can protect the people you care about. Jeff and Aaron wrap up the show with thoughts on how you can protect your child’s inheritance.

The Retirement Clinic-9-6-25 – Saving Money for Children and Grandchildren

Jeff Kowal explains how getting older is better than it used to be and touches on retirement planning regrets. Chaunsy joins to discuss navigating healthcare insurance when you retire early and various planning options. Then Jeff wraps up the show with insights regarding the widow tax.

The Retirement Clinic-9-13-25 – Retirement Planning Regrets

Aaron Kowal opens the show with a discussion on the average retirement savings by age group and the saving challenges each generation faces. Then shares 6 tips to help preserve and grow the value of your investments. Later Jeff joins the show to discuss how much Americans say they need to comfortably retire and touches on a common regret many women investors have. And Aaron wraps up the show with benefits of utilizing dynasty 529 plans.

The Retirement Clinic-9-27-25 – Retirement Savings – How do you stack up?

Aaron Spitzner opens the show with a discussion on interest rates and borrowing costs, then touches on tax strategies for non-qualified annuities. Later Jeff Kowal joins the show to discuss Roth IRAs and their growing popularity among young people. And Aaron Spitzner wraps up the show with catch-up contributions limits and changes.

The Retirement Clinic-10-4-25 – Interest Rates, Taxes, Roth Accounts, and More!

Aaron Kowal discusses key considerations for determining when you should take social security. Jeff Kowal joins the show to share reasons you may want to take social security early. Then Aaron touches on 10 tech tools that can help support your retirement lifestyle and wraps up the show with 401k contribution limits and catch-ups.

The Retirement Clinic-10-18-25 – Key Social Security Considerations

Aaron Kowal discusses the SECURE Act 2.0 and what high earners need to know. Then touches on ways you can catch up on retirement savings. Later Jeff Kowal joins to share how ‘401k leakage’ can drain your retirement savings dry. And Aaron wraps up the show with why wealth preservation matters.

The Retirement Clinic-10-25-25 – Catch-up Contributions

In this episode of Dollars & Sense with Joel Garris and Kristin Castello, listeners get a front-row seat to a lively discussion on the latest government updates, major tax changes taking effect in 2025, and the crucial steps needed to prevent costly mistakes with retirement account beneficiaries. 

The show kicks off with the recent end of the government shutdown, playful banter about holiday travel and food benefits, and a spotlight on the team's annual food and toy drive. Joel and Kristin then break down the most impactful tax changes for the coming year, including a new $6,000 senior deduction, temporary exemptions for tips and overtime, expanded SALT deductions, and a car loan interest write-off. Clear income limits and practical advice make these updates easy to understand, and the hosts share candid insights about who benefits most and how to maximize your savings. 

The episode’s second half zeroes in on retirement planning, focusing on how simple beneficiary mistakes can have dramatic financial consequences. Through real-life stories and actionable solutions, Joel and Kristin guide listeners through the top pitfalls—like neglecting beneficiary forms, naming estates instead of people, skipping contingent beneficiaries, and forgetting spousal waivers on 401(k)s. They emphasize the importance of regularly reviewing forms, keeping financial information organized, and preparing loved ones for the unexpected. 

Listeners walk away with a checklist of practical tips: review beneficiary forms, never name your estate, list both primary and contingent heirs, complete new paperwork when transferring accounts, and keep spouses and trusts properly documented. The hosts round out the episode with heartfelt marital and financial advice—reminding couples to share knowledge, stay organized, and plan ahead for peace of mind. 

Latest Tax Deductions and Vital Estate Planning Tips to Prevent Beneficiary Mistakes

WA Leaders aims to inspire the next generation of leading privately-owned companies in Western Australia. 

Since 2006, more than one thousand privately-owned companies have benefitted from this unique and immersive experience.

With the right guidance and support, you too can fast-track your desired personal, professional and business outcomes.

The WA Leaders podcast features business owners and industry experts, telling their own stories and providing tips on running successful organisations in beautiful Western Australia.

Dollars & Sense with Joel Garris of Nelson Financial Planning is Central Florida's longest-running radio program. Joel is a CERTIFIED FINANCIAL PLANNER, a Certified Financial Fiduciary and a former corporate attorney who changes lives through successful planning.

Visit www.NelsonFinancialPlanning.com or call 407-629-6477 to schedule a free one on one conversation.

Offering securities through Nelson Ivest Brokerage Services, Inc, Member FINRA, MSRB & SIPC. Please note that these broadcasts are intended for general informational purposes only as individual situations may vary. The views expressed are those of the speaker and are subject to change at any time. Statements made should not be relied upon as a recommendation or solicitation. When discussed, past performance is no guarantee or indication of future results.

Secure Money Advisors is a licensed fiduciary in Pittsburgh, PA that develops holistic approaches to retirement planning. From annuities to wealth management and basic retirement planning, we offer a broad array of financial products and services clients need to succeed.

Lord and Richards is a firm dedicated to helping people become more financially independent and better able to cope with the changing world around them from a biblical point of view.

With retirement just around the corner, you need a partner you can trust to help navigate the ins and outs of retirement planning.  Whether you’re looking for a final push heading into your retirement, retirement asset management and consolidation, or assistance in transferring business assets to retirement assets, our team’s focus is on helping you realize your vision.

You can listen to the Kowal Investment Group - now Creative Planning, "Retirement Clinic" podcasts, with retirement and investment planning tips and news right here on Soundcloud. **This is a previously recorded show.**

New tracks tagged #Wealth Management