In this episode, Tara Sutton, State Director at BT chats with Tess Uncle, Director of Wybenga Financial about how she supports mid-life female clients as they navigate career building and generational family pressures. For many it’s the busiest time of their lives and Tess encourages these clients to outsource the ‘mental load’ of planning for future security. Helping them prioritise setting a goal – a number – in the middle phase of life rather than in ten years’ time, and demonstrating a clear path of how to get there is what Tess considers to be the real value of advice.

Disclaimer:

The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

HerAdvice: Episode 9 – The real value of advice for mid-life women

In mid-September, major aged care reforms were introduced into parliament. This podcast will summarise the impending changes to residential aged care fees.

Disclaimer:

The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

TechKnow - Aged care legislation update

Picture - Ethan Enoch talkin up the struggle against mass incarceration.

The Queensland Parliament opened with a new LNP government led by Premier David Crisafulli who has pledged to toughen laws on youth crime, including locking up children as young as 10 in adult prisons. The ALP previously supported similar harsh measures. The new government has also sought to halt truth-telling inquiries, which aim to address the impact of colonization on First Nations people. Communities like Stradbroke Island and Cherbourg have called for federal legislation to support First Nations-led truth-telling inquiries. Ethan Enoch highlighted the ongoing struggle and resilience of First Nations people in his poem.

LNP lying about truth telling

California Reparations Bill 2025 Road to Repair: CLBC’s 16 bills tackle systemic inequities, housing assistance, lineage verification, countering Project 2025.

California Reparations: Uncover the Fight!

Senator Cory Booker's 25-hour record-breaking Senate speech champions 2025 Black voter advocacy and voting rights activism against historic suppression.

Stunning Booker Speech Record Fights for Black Voters

Exploring systemic racism in healthcare causing Black maternal mortality disparities, RFLC advocacy efforts, and policy solutions to address maternal health inequities.

Why Black Mothers Die Urgent Maternal Mortality Solutions

Texas House passes $1B voucher bill creating education savings accounts for 2025, sparking school choice debates and public education funding concerns.

Urgent Texas ESA Bill Hidden School Impact 2025

The extent of Labor’s win at the recent Australian Federal Election has surprised many commentators. In this latest episode of TechKnow, Bryan Ashenden and Matt Manning from BT’s Technical Services team delve into the possible impacts this victory will have on the financial advice industry.

TechKnow Podcast disclaimer:
Disclaimer: Information current as at 8 May 2025. 
This TechKnow podcast has been prepared by BT Portfolio Services Limited ABN 73 095 055 208 AFSL 233715 (BTPS), the operator of Panorama Investments; and BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) the trustee of Panorama Super, which is part of Asgard Independence Plan Division Two ABN 90 194 410 365. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account and the BT Cash Management Account Saver. Together, these products are referred to as the Panorama products.
BTPS, BTFM and WFSL are subsidiaries of Westpac. 
A Product Disclosure Statement or other disclosure document (PDS) and target market determination (TMD) for the Panorama products can be obtained by contacting BT on 1300 784 207 or by visiting bt.com.au. A person should obtain and consider the PDS and TMD before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. 
This TechKnow podcast has been prepared for use by advisers only.  It must not be made available to any client and any information in it must not be communicated to any client without the prior written consent of BTPS.  
The views expressed in the TechKnow podcast are the personal opinions of the individuals and do not necessarily represent or reflect the views of BTPS or any other company within the Westpac Group.
The commentary provides an overview only and should not be considered a comprehensive statement on any matter or relied upon as such. Projections given are predicative in character and whilst every effort has been taken to ensure that the assumptions on which the projections are based are reasonable, the projections may be based on incorrect assumptions or may not take into account known or unknown risks and uncertainties. The results ultimately achieved may differ materially from these projections. 
This information does not take into account your clients’ personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to these factors before acting on it. 
Awards are opinions only, are not recommendations and are only one factor to be taken into account when deciding to acquire, dispose or hold interests in BT Panorama. Awards and ratings are current at the time of publication but are subject to change. 
BTPS cannot give tax advice. Any tax considerations outlined in this document are general statements, based on an interpretation of current tax laws, and do not constitute tax advice. As such, you or your client should not place reliance on any such taxation considerations as a basis for making a decision with respect to a product. 
The information in this commentary regarding legislative changes is intended as a guide only. It is not exhaustive and does not constitute legal advice. It is based on our interpretation of the law currently in force on the date of this document. BTPS does not undertake to provide any updates to the extent that any of the laws or regulations referred to change in the future. Consequently, it should not be relied upon as a complete statement of the relevant laws, the application of which may vary, depending on your clients’ particular circumstances.

TechKnow - A week is a long time in politics

Transgender rights face escalating threats in America, with anti-trans laws disproportionately harming Black transgender youth through healthcare bans, public space discrimination, and military restrictions, underscoring the urgent need for non-discrimination policies and legal advocacy.

Black Transgender Rights America's Dignity Battle

Division 296 is coming. With its significant win in the recent Federal election, the Government is on track to introduce legislation for this measure, possibly within the first few sitting days when Parliament resumes in July. What should clients be doing, and when should they do it by? 
Disclaimer: Information current as at 11 June 2025. This podcast has been prepared by BT Portfolio Services Limited ABN 73 095 055 208 AFSL 233715 (BTPS), the operator of Panorama Investments; and BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) the trustee of Panorama Super, which is part of Asgard Independence Plan Division Two ABN 90 194 410 365. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account and the BT Cash Management Account Saver. Together, these products are referred to as the Panorama products. BTPS, BTFM and WFSL are subsidiaries of Westpac. A Product Disclosure Statement or other disclosure document (PDS) and target market determination (TMD) for the Panorama products can be obtained by contacting BT on 1300 784 207 or by visiting bt.com.au. A person should obtain and consider the PDS and TMD before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. This podcast has been prepared for use by advisers only.  It must not be made available to any client and any information in it must not be communicated to any client. This podcast provides an overview only and should not be considered a comprehensive statement on any matter or relied upon as such. Projections given are predictive in character. Whilst we have used every effort to ensure that the assumptions on which the projections are based are reasonable, the projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from these projections. This information does not take into account your clients’ personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to these factors before acting on it. Awards are opinions only, are not recommendations and are only one factor to be taken into account when deciding to acquire, dispose or hold interests in BT Panorama. Awards and ratings are current at the time of publication but are subject to change. BTPS cannot give tax advice. Any tax considerations outlined in this document are general statements, based on an interpretation of current tax laws, and do not constitute tax advice. As such, you should not place reliance on any such taxation considerations as a basis for making your decision with respect to the product. As the tax implications of investing in this product can impact individual situations differently, you should seek specific tax advice from a registered tax agent or registered tax (financial) adviser about any liabilities, obligations or claim entitlements that arise, or could arise, under a taxation law.  If you need more information to complete your tax return, please consult your accountant or tax adviser to obtain professional tax advice.  Please keep your BT Tax Statement and this Guide for income tax purposes. The information in this commentary regarding legislative changes is intended as a guide only. It is not exhaustive and does not constitute legal advice. It is based on our interpretation of the law currently in force on the date of this document. BTPS does not undertake to provide any updates to the extent that any of the laws or regulations referred to change in the future. Consequently, it should not be relied upon as a complete statement of the relevant laws, the application of which may vary, depending on your clients’ particular circumstances.

TechKnow - What to do about Division 296

4PR - Voice of the People is a podcast about class, culture and country.
We believe that change can come only through revolution and participation by working class people.  Conditions in time and place must be understood and acted upon.  Workers of all countries unite! 
[Podcasting since 2011}

BT Academy podcasts provide you and your practice access to a snapshot of changes in the Australian and global economy,financial markets and technical knowledge.

The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

New tracks tagged #legislation,