Protecting

Dad’s little secret

We all know that life doesn’t always go according to plan but where you find comfort, strength and support can be equally surprising. Christine Hornery, AFA 2013 Female Financial Adviser of the Year, of Financial Management Solutions on the Central Coast of New South Wales shares the story of client, Steve who’s family found comfort, strength and support in a secret he’d kept.

10 Jul 2015 Read More
Planning

Are you and your partner speaking the same language?

When two people talk about their goals, what’s important to them and how they see their future, they can seem completely aligned. They use the same words and seemingly agree on what they want.

But are they speaking the same language? If they use the same words but visualise different experiences; and the “when” and “how” are out of sync, the importance of “what” can be lost.

Financial Adviser, Christine Hornery of Financial Management Solutions on the Central Coast of New South Wales shares a story of two clients who struggled to reconcile the different paths they visualised to the same destination.    

10 Jul 2015 Read More
Planning

The Change

When you find out that your partner is wanting divorce, it’s like a traffic accident, everything goes into a slow motion. You can see it all unveiling around you, but you just don’t know what to do, or who to talk to. Whether it comes as a sudden shock or more gradually, divorce and separation brings emotional confusion to peoples’ lives and challenging issues to their finances.

9 Jul 2015 Read More
Planning

What about Money Compatibility?

When we talk about compatibility we usually focus on how well we get on socially. But what about money compatibility? It can really make or break a relationship!

A sad fact is that around 50% of marriages end in divorce and while money may not be solely to blame, you can be pretty sure that a misalignment of values, priorities, expectations and attitudes to money will have something to do with it. Financial Adviser, Christine Hornery of Financial Management Solutions on the Central Coast of New South Wales shares this story.

6 Jul 2015 Read More
Planning

Money and Children

In today’s world of technology and gadgets, it can certainly be tough to teach grandkids a sense of being prudent or frugal with money.  

We have to keep in mind that these days they will rarely see money spent any way other than from a machine in the wall or seeing their parents handing over a plastic card to obtain whatever they purchase. 
 

2 Jun 2015 Read More
Planning

Can you afford to Divorce?

While some divorces come as a surprise to some, others are the exact opposite. In fact, more and more people are planning their divorce before actually telling their partner and moving out of the matrimonial home. Interestingly enough, women file for divorce more often then men and are more likely to divorce than die while married!

2 Jun 2015 Read More
Planning

All Financial Planners drive Ferraris! - and other myths about financial planners

There are a lot of myths and fallacies surrounding Financial Planners. However the profession has changed. A lot. And it is essential that consumers know what is true now.

2 Jun 2015 Read More
Planning

Starting a small business

Starting a small business can be exciting, daunting, challenging and rewarding. There are many things you need to consider before starting your business in order to give it the best chance of success. In no particular order, I’ve listed some of the issues to consider, assuming you’ve already decided on what business you will be in: 

2 Jun 2015 Read More
Planning

Is your financial planner right for you? Questions to ask yourself when seeing your planner

Financial planning is different to most professions because the relationship between you and your planner is likely to be ongoing and continue for many years. It is critical that your planner really understands you and your situation. The level of understanding she has regarding what you want and need will affect the quality of advice you receive. 

2 Jun 2015 Read More