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		<title>RFS Advice</title>
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		<copyright>© 2025 RFS Advice</copyright>
		<itunes:subtitle></itunes:subtitle>
		<itunes:author>Troy Theobald</itunes:author>
		<itunes:type>episodic</itunes:type>
		<itunes:summary></itunes:summary>
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			<itunes:name>RFS Advice</itunes:name>
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<item>
	<title>More Than Investments: What a Great Financial Adviser Really Does</title>
	<link>https://www.rfsadvice.com/more-than-investments-what-a-great-financial-adviser-really-does/</link>
	<pubDate>Thu, 29 Oct 2026 04:48:30 +0000</pubDate>
	<dc:creator><![CDATA[Troy Theobald]]></dc:creator>
	<guid isPermaLink="false">https://www.rfsadvice.com/?p=1017349</guid>
	<description><![CDATA[Greg Black, Troy Theobald and Brooke Riewoldt discuss choosing the right financial adviser, focusing on trust, transparency, experience, fees and long-term relationships.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></description>
	<itunes:subtitle><![CDATA[Greg Black, Troy Theobald and Brooke Riewoldt discuss choosing the right financial adviser, focusing on trust, transparency, experience, fees and long-term relationships.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<content:encoded><![CDATA[Greg Black, Troy Theobald and Brooke Riewoldt discuss choosing the right financial adviser, focusing on trust, transparency, experience, fees and long-term relationships.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></content:encoded>
	<enclosure url="https://www.rfsadvice.com/wp-content/uploads/2026/10/Great-Financial-Adviser.mp3" length="29633516" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Greg Black, Troy Theobald and Brooke Riewoldt discuss choosing the right financial adviser, focusing on trust, transparency, experience, fees and long-term relationships.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:summary>
	<itunes:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></itunes:image>
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		<ssp:title>More Than Investments: What a Great Financial Adviser Really Does</ssp:title>
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	<itunes:explicit>false</itunes:explicit>
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	<itunes:duration>30:47</itunes:duration>
	<itunes:author><![CDATA[Troy Theobald]]></itunes:author>	<googleplay:description><![CDATA[Greg Black, Troy Theobald and Brooke Riewoldt discuss choosing the right financial adviser, focusing on trust, transparency, experience, fees and long-term relationships.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></googleplay:description>
	<googleplay:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Living Retirement Well: Finding Balance, Purpose and Meaning</title>
	<link>https://www.rfsadvice.com/living-retirement-well-finding-balance-purpose-and-meaning/</link>
	<pubDate>Thu, 15 Oct 2026 05:12:54 +0000</pubDate>
	<dc:creator><![CDATA[Troy Theobald]]></dc:creator>
	<guid isPermaLink="false">9991943f-c4c4-5519-b713-5d56d0e73db0</guid>
	<description><![CDATA[In this episode, Greg Black and Troy Theobald reunite with long-term RFS Advice client Ged Silva to explore five years of purposeful, fulfilling retirement.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></description>
	<itunes:subtitle><![CDATA[In this episode, Greg Black and Troy Theobald reunite with long-term RFS Advice client Ged Silva to explore five years of purposeful, fulfilling retirement.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<content:encoded><![CDATA[In this episode, Greg Black and Troy Theobald reunite with long-term RFS Advice client Ged Silva to explore five years of purposeful, fulfilling retirement.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></content:encoded>
	<enclosure url="https://www.rfsadvice.com/wp-content/uploads/2026/10/Living-Retirement-Well-Finding-Balance-Purpose-and-Meaning.mp3" length="24999598" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode, Greg Black and Troy Theobald reunite with long-term RFS Advice client Ged Silva to explore five years of purposeful, fulfilling retirement.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:summary>
	<itunes:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></itunes:image>
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	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>25:58</itunes:duration>
	<itunes:author><![CDATA[Troy Theobald]]></itunes:author>	<googleplay:description><![CDATA[In this episode, Greg Black and Troy Theobald reunite with long-term RFS Advice client Ged Silva to explore five years of purposeful, fulfilling retirement.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></googleplay:description>
	<googleplay:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Understanding Retirement Living Contracts, Fees and Legal Advice</title>
	<link>https://www.rfsadvice.com/understanding-retirement-living-contracts-fees-and-legal-advice/</link>
	<pubDate>Thu, 08 Oct 2026 04:46:51 +0000</pubDate>
	<dc:creator><![CDATA[Troy Theobald]]></dc:creator>
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	<description><![CDATA[Greg, Belinda from RFS Advice and Danielle Lim from DSL Law continue part two, exploring retirement living options, costs, contracts and legal, financial & family considerations.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></description>
	<itunes:subtitle><![CDATA[Greg, Belinda from RFS Advice and Danielle Lim from DSL Law continue part two, exploring retirement living options, costs, contracts and legal, financial & family considerations.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<content:encoded><![CDATA[Greg, Belinda from RFS Advice and Danielle Lim from DSL Law continue part two, exploring retirement living options, costs, contracts and legal, financial & family considerations.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></content:encoded>
	<enclosure url="https://www.rfsadvice.com/wp-content/uploads/2026/10/Fees-and-Legal-Advice.mp3" length="32289229" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Greg, Belinda from RFS Advice and Danielle Lim from DSL Law continue part two, exploring retirement living options, costs, contracts and legal, financial & family considerations.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:summary>
	<itunes:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></itunes:image>
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		<ssp:url>https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg</ssp:url>
		<ssp:title>Understanding Retirement Living Contracts, Fees and Legal Advice</ssp:title>
	</ssp:image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>33:33</itunes:duration>
	<itunes:author><![CDATA[Troy Theobald]]></itunes:author>	<googleplay:description><![CDATA[Greg, Belinda from RFS Advice and Danielle Lim from DSL Law continue part two, exploring retirement living options, costs, contracts and legal, financial & family considerations.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></googleplay:description>
	<googleplay:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Retire to Something: Finding Purpose Beyond Work</title>
	<link>https://www.rfsadvice.com/retire-to-something-finding-purpose-beyond-work/</link>
	<pubDate>Thu, 08 Oct 2026 04:11:10 +0000</pubDate>
	<dc:creator><![CDATA[Troy Theobald]]></dc:creator>
	<guid isPermaLink="false">https://www.rfsadvice.com/?p=1017256</guid>
	<description><![CDATA[Ged Silva shares how financial planning, rediscovering purpose, overcoming career identity loss, and embracing new adventures transformed early retirement into an exciting new chapter.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></description>
	<itunes:subtitle><![CDATA[Ged Silva shares how financial planning, rediscovering purpose, overcoming career identity loss, and embracing new adventures transformed early retirement into an exciting new chapter.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & F]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<content:encoded><![CDATA[Ged Silva shares how financial planning, rediscovering purpose, overcoming career identity loss, and embracing new adventures transformed early retirement into an exciting new chapter.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></content:encoded>
	<enclosure url="https://www.rfsadvice.com/wp-content/uploads/2026/10/Retire-to-Something-Finding-Purpose-Beyond-Work.mp3" length="19543129" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Ged Silva shares how financial planning, rediscovering purpose, overcoming career identity loss, and embracing new adventures transformed early retirement into an exciting new chapter.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:summary>
	<itunes:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></itunes:image>
	<ssp:image>
		<ssp:url>https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg</ssp:url>
		<ssp:title>Retire to Something: Finding Purpose Beyond Work</ssp:title>
	</ssp:image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>20:17</itunes:duration>
	<itunes:author><![CDATA[Troy Theobald]]></itunes:author>	<googleplay:description><![CDATA[Ged Silva shares how financial planning, rediscovering purpose, overcoming career identity loss, and embracing new adventures transformed early retirement into an exciting new chapter.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></googleplay:description>
	<googleplay:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Leave a Plan, Not a Puzzle: When One Partner Handles the Finances</title>
	<link>https://www.rfsadvice.com/leave-a-plan-not-a-puzzle-when-one-partner-handles-the-finances/</link>
	<pubDate>Fri, 18 Sep 2026 06:31:45 +0000</pubDate>
	<dc:creator><![CDATA[Troy Theobald]]></dc:creator>
	<guid isPermaLink="false">https://www.rfsadvice.com/?p=1016998</guid>
	<description><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and RFS Advice adviser and shareholder Brooke Riewoldt to discuss a common issue for couples.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></description>
	<itunes:subtitle><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and RFS Advice adviser and shareholder Brooke Riewoldt to discuss a common issue for couples.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<content:encoded><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and RFS Advice adviser and shareholder Brooke Riewoldt to discuss a common issue for couples.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></content:encoded>
	<enclosure url="https://www.rfsadvice.com/wp-content/uploads/2026/09/When-One-Partner-Handles-the-Finances.mp3" length="23441033" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and RFS Advice adviser and shareholder Brooke Riewoldt to discuss a common issue for couples.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:summary>
	<itunes:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></itunes:image>
	<ssp:image>
		<ssp:url>https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg</ssp:url>
		<ssp:title>Leave a Plan, Not a Puzzle: When One Partner Handles the Finances</ssp:title>
	</ssp:image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>24:20</itunes:duration>
	<itunes:author><![CDATA[Troy Theobald]]></itunes:author>	<googleplay:description><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and RFS Advice adviser and shareholder Brooke Riewoldt to discuss a common issue for couples.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></googleplay:description>
	<googleplay:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>What to Know Before Making the Move</title>
	<link>https://www.rfsadvice.com/what-to-know-before-making-the-move/</link>
	<pubDate>Fri, 04 Sep 2026 09:54:04 +0000</pubDate>
	<dc:creator><![CDATA[Troy Theobald]]></dc:creator>
	<guid isPermaLink="false">https://www.rfsadvice.com/?p=1016959</guid>
	<description><![CDATA[Considering downsizing or retirement living? This episode explores lifestyle, legal, financial, costs, care needs, and family considerations before making your next move.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></description>
	<itunes:subtitle><![CDATA[Considering downsizing or retirement living? This episode explores lifestyle, legal, financial, costs, care needs, and family considerations before making your next move.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<content:encoded><![CDATA[Considering downsizing or retirement living? This episode explores lifestyle, legal, financial, costs, care needs, and family considerations before making your next move.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></content:encoded>
	<enclosure url="https://www.rfsadvice.com/wp-content/uploads/2026/09/What-to-Know-Before-Making-the-Move.mp3" length="28514609" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Considering downsizing or retirement living? This episode explores lifestyle, legal, financial, costs, care needs, and family considerations before making your next move.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:summary>
	<itunes:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></itunes:image>
	<ssp:image>
		<ssp:url>https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg</ssp:url>
		<ssp:title>What to Know Before Making the Move</ssp:title>
	</ssp:image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>29:37</itunes:duration>
	<itunes:author><![CDATA[Troy Theobald]]></itunes:author>	<googleplay:description><![CDATA[Considering downsizing or retirement living? This episode explores lifestyle, legal, financial, costs, care needs, and family considerations before making your next move.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></googleplay:description>
	<googleplay:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Investment Fundamentals: Growth Assets and Portfolio Discipline</title>
	<link>https://www.rfsadvice.com/investment-fundamentals-growth-assets-and-portfolio-discipline/</link>
	<pubDate>Thu, 27 Aug 2026 05:59:42 +0000</pubDate>
	<dc:creator><![CDATA[Troy Theobald]]></dc:creator>
	<guid isPermaLink="false">https://www.rfsadvice.com/?p=1016922</guid>
	<description><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice for part two of their investment fundamentals discussion.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></description>
	<itunes:subtitle><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice for part two of their investment fundamentals discussion.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<content:encoded><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice for part two of their investment fundamentals discussion.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></content:encoded>
	<enclosure url="https://www.rfsadvice.com/wp-content/uploads/2026/09/Investment-Fundamentals.mp3" length="30197341" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice for part two of their investment fundamentals discussion.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:summary>
	<itunes:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></itunes:image>
	<ssp:image>
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		<ssp:title>Investment Fundamentals: Growth Assets and Portfolio Discipline</ssp:title>
	</ssp:image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>31:23</itunes:duration>
	<itunes:author><![CDATA[Troy Theobald]]></itunes:author>	<googleplay:description><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice for part two of their investment fundamentals discussion.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></googleplay:description>
	<googleplay:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Building Blocks of Retirement Investing</title>
	<link>https://www.rfsadvice.com/the-building-blocks-of-retirement-investing/</link>
	<pubDate>Thu, 20 Aug 2026 06:53:50 +0000</pubDate>
	<dc:creator><![CDATA[Troy Theobald]]></dc:creator>
	<guid isPermaLink="false">https://www.rfsadvice.com/?p=1016907</guid>
	<description><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice to unpack the foundations of retirement investing.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></description>
	<itunes:subtitle><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice to unpack the foundations of retirement investing.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<content:encoded><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice to unpack the foundations of retirement investing.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></content:encoded>
	<enclosure url="https://www.rfsadvice.com/wp-content/uploads/2026/08/The-Building-Blocks-of-Retirement-Investing.mp3" length="30108296" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice to unpack the foundations of retirement investing.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></itunes:summary>
	<itunes:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></itunes:image>
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		<ssp:title>The Building Blocks of Retirement Investing</ssp:title>
	</ssp:image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:31:17</itunes:duration>
	<itunes:author><![CDATA[Troy Theobald]]></itunes:author>	<googleplay:description><![CDATA[In this episode of Retirement Living Your Way, Greg Black is joined by Troy Theobald and Josh Nixon from RFS Advice to unpack the foundations of retirement investing.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></googleplay:description>
	<googleplay:image href="https://www.rfsadvice.com/wp-content/uploads/2025/07/rfs-advice-cover-scaled.jpg"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>So You Want to Retire? What Actually Happens After Work Ends</title>
	<link>https://www.rfsadvice.com/so-you-want-to-retire-what-actually-happens-after-work-ends/</link>
	<pubDate>Thu, 06 Aug 2026 06:26:21 +0000</pubDate>
	<dc:creator><![CDATA[Troy Theobald]]></dc:creator>
	<guid isPermaLink="false">https://www.rfsadvice.com/?p=1016833</guid>
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	<description><![CDATA[In this episode,Greg Black and Troy Theobald from RFS Advice join Paul Harrison from Kollosche to discuss the practicalities of buying property on the Gold Coast.

Host: Troy Theobald, Category: Business, Sub-Category: Investing & Finance]]></description>
	<itunes:subtitle><![CDATA[In this episode,Greg Black and Troy Theobald from RFS Advice join Paul Harrison from Kollosche to discuss the practicalities of buying property on the Gold Coast.

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