Why I’m Offering You Access to My $2,999 Advisory Service For Free

On Friday, I released some research on how to practically prepare for the end of the Everything Bubble.

If you’ve not read that yet, you can do so here.

What you’ll see at the end of that report is an invitation.

To join my newsletter, The Gowdie Letter, for just $99.

And receive a complimentary six-month membership to my ‘alternative financial planning service’, The Gowdie Advisory.

This is valued at $1,499.

A yearly subscription would normally cost you $2,999.

But you won’t pay a cent of that.

It’s a somewhat unorthodox move, to give away what we call in the financial publishing business a ‘back-end’ service.

So why am I doing it? And…

What is The Gowdie Advisory?

Where the focus of The Gowdie Letter is, in the words of reader CS, to ‘keep you abreast of where we are in the great scheme of the “everything bubble”’…

The Gowdie Advisory focuses squarely on WHAT YOU SHOULD DO.

As Advisory member DJP colourfully puts it:

If I knew back at the time of the GFC what I now know having followed The Gowdie Advisory I would not have lost $1.5 million following advice of a dumb-arse financial planner.

Here’s what that $99 entry into The Gowdie Advisory gets you…


The idea for this service came from an increase of personal advice requests from Gowdie Letter subscribers…

‘What should I do with my…?’

‘Where’s the best…?’

‘How do I protect…?’

‘Will our savings…?’

‘My self-managed fund…’

I can’t give personal advice under our publishing licence. But these intimate, live question and answer sessions are as close to that as we can get.

Every second Tuesday of the month at 6:00pm, you’ll be invited to attend a Zoom meeting.

What we cover will be based on what YOU ask me.

The fuel of the Advisory is the common issues/problems/queries members face…either emailed to me directly, explained to my Member Assistance Team on the phone, or left on the members-only website.

My team will then sort these submissions into what we call ‘Worry Silos’.

Specific, recurrent categories that are keeping you awake at night.

We cover questions like this one, sent to me by Gowdie Advisory member MP:

I think we could be seeing a permanent debasement of cash. And I’m worried, I’m quickly becoming quite poor (in relative terms) by sitting in cash. Thoughts?

Whatever problems you have, we’ll look for solutions.

If you have $75,000 invested in the share market for your children’s future, what should you do with that money to protect it from a big crash?

If you’re worried about where a fund manager has your retirement wealth sitting right now, what should you do?

I know control over my retirement savings could soon be more important than ever. But I feel I don’t have the time or knowledge to self-manage. What should I do?

Is ‘shorting’ the market when it crashes a good idea or a can of worms?

You’re a commercial landlord with a tenant who’s consistently missing rent. You want to deal with it compassionately, given COVID, but what’s the best course of action?

These question-and-answer summits are the core of The Gowdie Advisory.

I’ll hit as many queries as I can (and drill down into specifics of each topic as much as possible without offering direct advice).


With more than 80% of financial planners having direct or indirect ties to institutions…your plan is tied to the Everything Bubble, whether you think it will end or not.

This conflicted model was identified by the Banking Royal Commission as a major problem.

The Gowdie Advisory is a solution.

Over the next 3–6 months, I’m going to evolve for you a set of age- and circumstance-specific plans centred on seeing you through a turn in the cycle.

Again, these will be general in nature.

But unlike the mainstream planning industry, any adjustment to these plans will NOT be concluded with: ‘We have a product for that!’.

We don’t do that here.

The goal is to build bespoke but general plans that work for you and adapts to changing conditions.

As I keep saying, the decisions you make today could have serious repercussions in the years to come.

HOODWINKED! Why Australia’s ‘miracle’ economy is a farce


This is not an advisory about ‘hot tips’.

It’s about solving big problems as they arise for you. And thinking more deeply about issues of great importance to Australian wealth builders.

No one else is giving you unbiased insight on these issues.

As KB from the Gold Coast puts it:

I spoke to my broker regarding the collateral debt obligations and the subprime to be told I was his biggest worrier and the total debt was ONLY400 billion US.

I held on and lost 50% of my super as a result.

Your advice is Spot On in my experience and as a result I will follow your advice and renew my subscription when necessary.

The problem is this…

Financial planners rely on economic and market information that comes primarily from two sources: investment institutions and research firms. Their solutions are offered to help themselves as much as you. And are largely predictable.

Institutional economists are no better. Just the media’s go-to people whenever market or economic commentary is required.

Most readers don’t realise the credible ‘expert’ being quoted actually works for an investment bank!

A big part of The Gowdie Advisory will be digging deep into issues, problems, and ideas these sources have a bias on…or just don’t go near.

We’ll cover estate and family wealth challenges…how to adjust your retirement income calculus for a low-growth environment…

Managing your property investments through a downturn…ways to get income that aren’t lining a product provider’s pockets…dealing with encroaching taxation and government overreach…and more.

Plus, you get to…


I’ve built a core contact group of independent thinkers who, in my opinion, apply critical thinking to economic and investment matters. People who saw problems before, rather than after, the event. People who deal with real issues facing real investors…without the bias or baggage.

A regular part of the service is bringing their expertise straight to you.

Over the past year, for instance, Gowdie Advisory members have had Zoom sessions with:

Family wealth expert, counsellor of super-high net worth families, and author Dr Joanne Stern.

Head of the billion-dollar Agora empire and financial contrarian Bill Bonner.

Australian property guru Catherine Cashmore.

Behavioural economist Dr Juliette Tobias-Webb.

Ex-hedge funder, now head of distribution for the Perth Mint, Jordan Eliseo.

Members get regular face time with some of the world’s most famous contrarian investors, including Harry Dent, Richard Duncan, and Dan Denning.

Occasionally I even bring in slightly left-field guests that tackle the mental toughness aspect of investing such as former Paralympian, Annie Williams.

Success in life is not so much about what you know, but who you know.

Which leaves the question…

Why give away $1,499 worth of access?

Simply: We are entering what I think will be a very challenging period.

Perhaps — and I don’t think I’m being hyperbolic here — the biggest downcycle since the Great Depression.

The Gowdie Advisory has been expecting and planning for this for some time now.

This is the very reason I set up this interactive service in the first place.

If the next six months is when the trend reverses, I want to make sure I can help as many like-minded people through it as I can.

This is your chance to see what we’re doing in The Gowdie Advisory — for six complementary months.

No, you will NOT be sent a bill at the end of that six months.

Nor will you be automatically renewed.

It’s an entirely complimentary membership.

Six months should be ample time for you to experience every aspect of the Advisory. And see how we’re attacking the looming bust head-on.

All that is required is a membership to my ‘front-end’ newsletter.

And that’s only $99.

AND it comes with the usual 30-day subscription refund guarantee.

So…if you’re a certain type of reader, thinker, and investor, this should be a bit of a no-brainer for you.

To grab both services now for just $99, go straight to this secure order form.

To read the full invitation while we still have it online, click here.


Vern Gowdie Signature

Vern Gowdie,
Editor, The Rum Rebellion

PS: The Rum Rebellion is a fantastic place to start your investment journey. We talk about the big trends driving the Australian Economy. Learn all about it here.

Vern has been involved in financial planning since 1986.

In 1999, Personal Investor magazine ranked Vern as one of Australia’s Top 50 financial planners.

His previous firm, Gowdie Financial Planning, was recognised in 2004, 2005, 2006 & 2007, by Independent Financial Adviser magazine as one of the top five financial planning firms in Australia.

In 2005, Vern commenced his writing career with the ‘Big Picture’ column for regional newspapers and was a commentator on financial matters for Prime Radio talkback.

In 2008, he sold his financial planning firm due to concerns about an impending economic downturn and the impact this would have on the investment industry.

In 2013, he joined Fat Tail Investment Research as editor of Gowdie Family Wealth. In 2015, his book The End of Australia sold over 20,000 copies and launched his second premium newsletter, The Gowdie Letter.

Vern has since published two other books, A Parents Gift of Knowledge, all about the passing of investing intelligence from father to daughter, and How Much Bull can Investors Bear, an expose on the investment industry’s smoke and mirrors.

His contrarian views often place him at odds with the financial planning profession today, but Vern’s sole motivation is to help investors like you to protect their own and their family’s wealth.

Vern is Founder and Chairman of The Gowdie Advisory and The Gowdie Letter advisory service.

The Rum Rebellion