Finance
The money missing from your Will
Estate planning is complicated! From experience, most people are unaware that their superannuation does not form part of their estate and therefore is not...
The impact of divorce on your finances
I think most of us are aware that there are definitely negative financial consequences associated with divorce.
Income streams after retirement
The superannuation system is designed to build wealth in order to provide us with income in our retirement years.
Once we retire and need income,...
It’s never too early to start saving
Thousands of kids have just finished either high school or university and are about to enter the full-time workforce for the first time. This...
Why the self-employed must get serious about Super
Too many business owners lack strong Super balances at retirement.
Tough week for finance industry
As a Financial Planner who is proud of what my colleagues, my competitors and I are able to do for our clients, I have...
Why you shouldn’t panic when share prices fall
For almost all of us, the bulk of our Superannuation is invested in the share market, whether that be locally or overseas. In my...
Prepare for the future, but don’t ignore today
As far as I’m concerned, the aim of building wealth is to be able to provide us with the lifestyle that we choose, both now and into the future.
Money and the biggest moments of our lives
As our life changes so do our financial planning needs. I have created a list of some important life events that are commonplace and highlight some of the issues associated.
Fixed or variable?
In a “practice what you preach” moment, I’m currently reviewing my finances and part of that process involves addressing my mortgage. I’m happy with...
Preparation is the key
There are times in our life where we are spending far more than usual or earning less than we normally do; it is good...
Investment bonds still have a place
In the 70’s and 80’s an investment bond, also known as an insurance bond, was a very popular investment vehicle that went out of...
Escaping from the pain of debt
Over the years I have come across many clients who are drowning in debt and seem to be caught in a hole from which they can’t escape.
Pensioners and the assets test
The rules surrounding Centrelink entitlements are quite complex. It is therefore extremely important, when developing retirement strategies, to be mindful of the Centrelink implications.
Most...
An overview of the Federal Budget
The Federal Budget was announced on Tuesday night and with a looming election it was full of goodies for all.
I don’t need to tell...
The difference the right insurance can make
Coincidentally, I spoke to two tradies recently who both suffered serious long-term injuries from seemingly innocuous workplace falls, with vastly different results.
The first tradie...
Early financial habits can last a lifetime
At our office, we firmly believe the earlier you start saving, the better.
How much money do you need to retire?
Last week, I was reviewing a client who was overly worried that she would essentially be living on the poverty line in retirement. Thankfully,...
Investing in super deserves serious thought
I’ve lost count of how many times I’ve had a client tell me they don’t believe in superannuation or superannuation is too risky along...
Helping your kids enter the property market
It has never been harder to enter the housing market with the average household now spending 40 per cent of net income on their...
