Recently I woke up in the middle of the night in fright. I am 57 this year and during the day I was thinking about when I might retire, what that may look like and consequently what might I need…
I was speaking with a financial planner colleague recently about the questions prospective clients ask us when we meet them for the first time. One very common query posed is “how much money will I need to live comfortably in…
Not many people would go through life without taking out insurance of some kind. Homes, cars, boats, business, health and even pets are insured. Our most valuable asset, however, isourselves, there is often a lot of misunderstanding around personal insurance….
You may have heard of investment bonds in your travels. Many think of them as unfashionable in the financial world of shares, ETF’s, managed funds, negative gearing and superannuation strategies. There can, however, be a place for them in the…
Easter is just around the corner and is always a great time of year to spend with family and friends. Unfortunately like a lot of other celebratory days, Easter has become over commercialised. This can end up costing you more…
“Show me the incentive and I will show you the outcome’’ – Charlie Munger, Vice Chairman, Berkshire Hathaway. Charlie Munger, aged 95, is best known for his role as Vice Chairman of Berkshire Hathaway. As Warren Buffets right hand man, they…
2019 Federal Budget Analysis Treasurer Josh Frydenberg’s first Budget focuses on reducing the tax burden for the majority of working Australians, greater superannuation flexibility for retirees and a one-off energy relief payment for eligible income support recipients. Note: These changes…
It’s easy to think that when the economy is booming, that it will last for ever. Share prices go through the roof, property prices soar and our wealth increases, as does tolerance for risk. This can, however, lead to some…
The financial services industry is renowned for its use of jargon which may be unfamiliar to a lot of people. The following is an abridged version of an article in the Autumn newsletter from our Australian Financial Service Licencee: Futuro…
Many businesses these days allow their employees to have a Novated Lease on a car as part of their employee benefits. It’s touted as being tax efficient and “the way to go” when purchasing a vehicle. People should always obtain…
