Planning

I am too busy to look at that, can you fix it?

You have finished Uni, working on building your career, keeping fit going to the gym, keeping up your social life going out meeting friends in pubs and restaurants and trying to save for travel. 

“Budget, Super, Insurance, mortgage, estate planning, haven't looked at it, I'm too busy can you fix it?”
 

2 Jun 2015 Read More
Planning

What does your Executor Have to do?

So you are going to draft your will, or seek a specialist who will do this for you, terrific, you have just reduced the number of Australians who do not have a will.

2 Jun 2015 Read More
Planning

Gift Planning Strategies

Most will provisions are a simple division of your assets between family members, the division being a percentage of the value of the residual estate rather than specific monetary amounts

2 Jun 2015 Read More
Planning

Don’t let the tax tail wag the investment dog

Most of us want to pay less tax, and achieving tax efficiency is a critical wealth creation tool– the less tax you pay, the more money you have to either meet your needs today or to reinvest for the future

26 May 2015 Read More
Borrowing

Pay down debt while rates are low - now is a good time to reduce debt rather than acquire more

Predicting the direction and timing of interest rate movements is a bit of a national pastime and while this can be an obsession for some, interest rates are well worth thinking about. 

With the Australian economy continuing to cool, some economists are predicting further rate cuts, but with the RBA cash rate are current levels, there is not much further left to cut.

13 May 2015 Read More
Planning

Treat your family budget like a business

I am fortunate to meet lots of successful business people in my job and while their approaches vary widely, there is one characteristic that they all share – they understand their cashflow. They know what comes in, what goes out and what’s left over. Regulators think this is so important that they impose stiff penalties and even jail time for directors who allow their business to trade when it can’t meet its debts.

13 May 2015 Read More
Saving

Over 30? Get your head out of the super sand

If you are 30 today you have 35 years left in the workforce and need to save enough to fund at least 35 years in retirement. If you are older than 30 then the news gets worse… This is a confronting but true reality.

13 May 2015 Read More
Protecting

Is it time to break up... or just financially break up with your partner?

It is time for Australian women to step up, take control of their financial future and consider financially breaking up with the men in their lives. Stereotypes about men and money need to be thrown out the window. The stark reality is that women need more money in retirement than men so it is our responsibility to look after ourselves and make that happen.

13 May 2015 Read More
Protecting

Your insurance cover will pay you when you need it. Right?

Financial planners have a strong focus on protecting you from risks with personal insurance. Sometimes we hear people say that insurance is a waste of time. It won’t pay out anyway, so it is a huge waste of money. Well here is what you need to know about why some policies don’t pay:

22 Apr 2015 Read More