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
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
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

5 saving graces of giftmas

5 saving graces of giftmas

If it is indeed better to give than to receive, then Australians are a happy lot. According to the Financial Planning Association of Australia, 85% of us find more joy in giving gifts to others than in getting them ourselves. Continue reading

Where could responsible investing take you?

Where could responsible investing take you?

Estimates of the size of the sustainable investment market vary from around $23 trillion to almost $31 trillion, with responsible investment taking into account environmental, social and governance (ESG) factors in investment decisions, whereas ethical investing being more of a Continue reading

Feel freedom after defeating debt

Feel freedom after defeating debt

If you’ve taken a look at your finances recently, you may have found yourself with a few debts. While it’s possible to pay them off by simply keeping up your minimum repayments, you may want to get them sorted quicker. Continue reading

The ups and downs of superannuation

The ups and downs of superannuation

Many of us like to keep an eye on our superannuation balance. It’s only natural, as we all want to retire in relative comfort, and for many people super is their second largest asset, after their family home.

If you’ve Continue reading

Boost your savings for spring

Boost your savings for spring

Boost your savings for spring

In the cooler months we spend a lot more time getting cosy inside. Why not use some of that quality indoors time to give your finances and future plans a little love?

Dust off your Continue reading

Changing money habits for good

Changing money habits for good

Is sticking to a budget the money magic wand that can sort out your finances, once and for all? Discover what budgeting can and can’t do for you and how to turn new budget habits into positive lifestyle changes.

What’s Continue reading

The hidden costs of buying a home

The hidden costs of buying a home

When you’re budgeting to buy your first home, extra costs that come with your purchase can add up.

1. Pre-purchase costs

Whether you’re buying property at auction or through private treaty, it’s important to make sure you’re aware of any Continue reading