Why should I see a financial planner?

Why should I see a financial planner?

According to recent research, over two and half million Australians say they intend to seek help from a financial adviser over the next two years. The pandemic has been a major catalyst, with 44% saying the COVID-19 situation had increased their likelihood of seeking advice. If you’ve ever wondered what a financial adviser could do for you, here’s a brief introduction Continue reading
Your 7-point retirement planning checklist

Your 7-point retirement planning checklist

Your 7-point retirement planning checklist While there’s no set age or rulebook to retire, you’ll want to make sure your health and finances support you during this transition. Taking into consideration the type of lifestyle you would like to lead will act as a clear indication for how much money you need to set aside or have access to. Here are some of the aspects to consider Continue reading
What you can claim when working from home

What you can claim when working from home

If you're among the many who are now working from home, you've probably realised that having the right home-office set is essential - but it does come at a cost. With the end of the financial year fast approaching, here is an overview of the items you may be able to claim in your tax return. Continue reading
The RBA starts raising rates

The RBA starts raising rates

For the first time since November 2010, the RBA has raised its official cash rate - from 0.1% taking it to 0.35%. This was above market expectations for a 0.15% hike and a bit closer to our expectation for a 0.4% move suggesting that the RBA appears to have partly accepted the argument that it had to do something decisive in order to signal its resolve to get inflation back down. Continue reading
What happens to superannuation when you break up?

What happens to superannuation when you break up?

Depending on the situation, you might get some of your ex partner’s super, or they may get some of yours. See what you need to know. A divorce from your husband or wife, or a separation from your de facto, could mean a division of your assets and debts, whether they’re held individually or together, and superannuation is no exception. Continue reading
Why being responsible can be rewarding

Why being responsible can be rewarding

The days when ‘green’ investors were the ones who cycled to see their adviser and carried home their investment brochures in a hemp bag are long gone (if they ever existed). Responsible Investing is now the preferred approach for a growing number of investors. Continue reading
Share market Falls: What investors need to consider

Share market Falls: What investors need to consider

You’ve probably heard a lot about share market falls in recent weeks but what does that mean for you and your investments? Being more engaged with your super investments could help you make the most if the time you have to grow your wealth for retirement – and navigate share market falls. Continue reading
The escalation in Ukraine tensions – implications for investors

The escalation in Ukraine tensions – implications for investors

The last few days have seen a sharp escalation in the situation between Russia and Ukraine, with Russia recognising the independence of two regions in the Donbas area of eastern Ukraine controlled by Russian separatists and ordering Russian “peacekeeping” troops into the regions. At this stage it’s unclear how big the force will be, whether it will push beyond the areas controlled by the separatists and, if so, how far. Although President Putin continues to deny plans to invade Ukraine, his comments suggest a move into the areas of Donetsk and Luhansk in the Donbas that the rebels do not yet control. As a result, share markets have fallen further with US and global shares falling just below their January lows and Australian shares also under pressure, although so far they have held up a bit better. Continue reading
How to reduce financial stress

How to reduce financial stress

Reducing financial stress

The Australian Institute of Health and Welfare recently released a report covering the impacts of COVID-19 on Australians during the first year of the pandemic. The report highlights that many of the measures necessary to contain the spread of the Continue reading

Being a smart Santa with your gift budget

Being a smart Santa with your gift budget

The act of giving to loved ones is dear to many around Christmas time. However, it’s important not to entangle your good intentions with overspending that could create financial pressure in the new year. Here are some tips on how to shop smarter this Christmas. Continue reading
5 steps to better financial goals

5 steps to better financial goals

Everyone has financial goals. Maybe you want to pay off your mortgage early, stop relying on your credit cards, or go on an amazing overseas holiday (once we’re allowed to travel again). Or you might want to set up good Continue reading

Mortgage versus super – a common dilemma

Mortgage versus super – a common dilemma

It’s one of the most common questions financial advisers get – should you pay down the mortgage or salary sacrifice into your super? Deciding on the best approach is different for each individual and depends on economic factors such as interest rates and the performance of your investment mix. Here’s some tips on what to consider to be in the best position possible. Continue reading
Should I still change jobs despite COVID-19?

Should I still change jobs despite COVID-19?

Should I still change jobs despite COVID-19? Changing jobs has always had its challenges. With the added impacts of COVID-19 on the employment landscape, the unknown can become daunting. If you’re looking for a new job or a shift in career, here’s a guide on what to consider depending on your skills within the industry. Continue reading
Creating an emergency budget that works for you

Creating an emergency budget that works for you

It could take months, even years, to clear debt – especially if you used your credit card and you know you’ll be slugged with snowballing compound interest each month you don’t pay it off. That’s why we always recommend having an emergency fund. It’s a pool of money you always have on hand to cover any unexpected expenses. Here’s how you can set one up Continue reading
Money worries and your mental health

Money worries and your mental health

The ongoing impact of the Covid-19 pandemic has taken its toll on the wellbeing of many Australians. It’s well known that mental health and financial wellbeing are linked, with prolonged financial stress associated with anxiety and depression. If you’re experiencing financial stress, here are some practical steps you can take to get back on track. Continue reading
Salary Sacrificing into super, here’s how it works

Salary Sacrificing into super, here’s how it works

Boosting your superannuation savings is one of the best ways to grow your retirement nest egg, and the Australian government offers a range of incentives to encourage Australians to do just that. One approach is called ‘salary sacrifice’ and it can help you to grow your super savings while potentially paying less tax. Here’s how it works, the benefits, and some things to consider when deciding whether it’s right for you. Continue reading
Supporting your kids, without sacrificing your own retirement

Supporting your kids, without sacrificing your own retirement

In the past, wealth was often passed on through an inheritance. But with our longer lifespans, and the higher cost of living (especially housing), the desire to help our kids while we’re alive and well is increasing. But how can you help your children without compromising your own security and comfort in retirement? Here’s what you need to know. Continue reading
Managing the financial impacts of a mid-life crisis

Managing the financial impacts of a mid-life crisis

Every age has its inner turmoil. Teenagers, adults, retirees; everyone goes through emotional angst. But only one age group has a name for it - a ‘midlife crisis.’ Despite what we’re led to believe, a midlife crisis isn’t inevitable, the key is to reassess what’s really important to you and start setting goals for the next chapter of your life. It’s never too late to make a change. Continue reading
Five things you and your partner should know about super

Five things you and your partner should know about super

Did you know that when it comes to super, you have the same rights regardless of whether you're married, in a de facto relationship or in a civil partnership? Meaning, your partner could be entitled to receive part of your super if your relationship breaks down. Here's five things every couple should know about super. Continue reading
Smart strategies for paying down debt

Smart strategies for paying down debt

Being in debt can really wear you down, both financially and emotionally. Whether it’s a single large credit card balance or multiple loans, store and credit cards owing, getting clear of your debts is going to make a big difference Continue reading

Housing market: Bubble or Balloon?

Housing market: Bubble or Balloon?

For years, commentators have said Australia is experiencing a property bubble - with house prices in the country’s capital cities rising so much that they’ve been called unaffordable - even by global standards. What are the key drivers behind this growth and will the bubble burst? Continue reading
Three reasons why fun should be in your budget

Three reasons why fun should be in your budget

It’s fair to say that most of us aren’t crazy about budgeting. Even with the latest budgeting apps that aim to make this common sense habit into something easy and fun, the thought of keeping tabs on what we’re spending from month-to-month fills many people with boredom or anxiety. Continue reading

Wouldn’t it be simpler and easier if you could insure your whole business with a single policy?

There are two types of insurance that can do just that. This article will demystify industrial special risks insurance (known as ISR) and Continue reading

How to make a financial plan

How to make a financial plan

A financial plan can help you build wealth over time, aiding the protection of your financial future. If that sounds like a good idea, it could be good to find a trusted financial adviser who can help you on this Continue reading

Getting ahead: How to minimise the risks posed by headers

As a farmer it’s up to you to know where any potential risks can occur on your property, and there’s no better time than before the start of bushfire season Continue reading

The effects of cutting or cancelling your business interruption insurance

Economic uncertainty may have prompted you to reduce, change or cancel your business interruption insurance. That’s a natural reaction in these uncertain times. However, as your broker/advisor, we’re mindful of Continue reading

The Commission has announced a 1.75% increase to minimum wages

Updated 1 November 2020

Minimum wages in the second group of awards increase from 1 November. Fair work have updated their Pay guides and Pay Calculator with the new minimum Continue reading

Make Your Super Last

Make Your Super Last

Australians enjoy one of the highest life expectancies in the world, which means you can look forward to a long and comfortable retirement.

While that’s fantastic news, it also makes saving for retirement more important than ever. Indeed, the majority of Continue reading

Early access not so super for women

Early access not so super for women

The COVID-19 crisis has seen many Australians taking steps to stay afloat with their finances. With women more likely than men to withdraw super to make up the shortfall in their income, what does this mean for their long-term financial Continue reading

Who inherits your super?

Who inherits your super?

Who inherits your super?

There are only certain people who can inherit your super when you die. There are also two different types of nominations you can make. Here’s what you need to know before making your super beneficiary nomination. Continue reading

How fit are your finances?

How fit are your finances?

Wearable technology can monitor our heart rate and tell us how much sleep we’ve had, but what about our financial wellbeing? If you could benefit from a Fitbit for your finances, read on.

Just like your physical health, the more Continue reading

In past months, the business environment has changed drastically, with the coronavirus pandemic causing widespread stress, devastation and uncertainty.

For many individuals, the unfamiliar events unfolding across the globe have left them wondering whether or not various types of insurance Continue reading

Three tips for businesses struggling to cope during COVID-19

Many Australians businesses who were quick to let staff go following forced shutdowns in March were already struggling with their cash flow.

According to new research by financial platform money.com.au (not Continue reading

Where to seek advice in uncertain times

Where to seek advice in uncertain times

With the ongoing escalation of the COVID-19 crisis many people are struggling. Huge changes are happening and we’re all being affected, socially, emotionally and financially. 

If your ability to work and earn an income has already been affected, you’re likely to be Continue reading

Grow your super this year

Grow your super this year

Grow your super this year

There are a number of ways you can contribute more to your super, to take advantage of time and the magic of compound interest.

These include salary sacrificing, and a range of tax-deductible, spouse and Continue reading

The Coronavirus and its impact on markets

The Coronavirus and its impact on markets

The Coronavirus is slowly jumping international borders after its initial spread in China, and markets have not been immune to its impact.

Coronaviruses are a large family of viruses which have long been known to create illnesses. There is currently Continue reading

Opening up about money

Opening up about money

Funny thing, money. On the one hand it can get us excited or give us a real sense of achievement (think reaching a savings goal). On the other hand, it’s something we tend to keep to ourselves. Whether our finances Continue reading