The forties are often considered peak earning years, presenting opportunities to maximise financial gains while preparing for retirement. This decade is crucial for solidifying your plans and ensuring your financial strategies are robust. Superannuation Maximisation This decade is ideal for…
When setting up a Self-Managed Superannuation Fund (SMSF), many are advised to consider how best to handle their insurance needs. While some opt to retain their previous retail or industry super fund accounts primarily for insurance purposes, others explore the…
Today, we’re going to talk about a difficult topic. Death. While average life expectancy has almost doubled over the last 100 years, the rate of death remains the same – we get one each. So, death is something that we…
Running your own business is exciting, but it also means you have to be smart about managing two sets of finances: the money in your business and the money you have personally. Imagine your personal and business finances are like…
If you live near where we live, then for the past month or so you would have seen local homes being ‘decorated’ with fake cobwebs, skulls and crossbones and carved out pumpkins. People have not become macabre. It is just…
Paul Taylor was a fit and active 45-year-old who drowned while swimming in surf on a family holiday. Witnessing this tragic event unfold from the beach were Paul’s wife, Sue, their 15-year-old daughter Sophie and 12-year-old son Zac. Relatives and…
One of the joys in life is that we don’t know what will happen next. Most of us have positive expectations but sometimes life doesn’t follow our lead and we’re dealt a blow. It’s how we manage each experience –…
So you’ve seen the light. The days of partying and wasting money are behind you. Maybe you’ve settled into a relationship, or maybe you’re just feeling like it’s time to be a little more financially responsible – but where to…
With the ability to hold Life, TPD and Income insurance cover within superannuation, is it actually a good idea? Life and total and permanent disability (TPD) cover Many super funds provide insurance that pays a lump sum if you die…
You may have heard of Investment Bonds (also known as Insurance Bonds) as a long term tax effective investment, but what are they and what are the pros and cons? What are Investment Bonds? Investment bonds are “tax paid” investment…
