What does a good adviser do?

Meeting with an advisor

Some people may think that a financial adviser’s role is to forecast the direction of the share market from month to month and invest clients’ money accordingly.   This is not the reality, of course. Investments are only one small part of what your financial adviser can provide for you. Some of the key areas […]

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When is a law not a law?

Senate

When governments propose changes to laws, many people mistakenly believe that law is already in place. On the contrary, the path from proposal to law is not as straight-forward as you might think. When an unpopular or contentious bill is announced, perhaps because of the attention it receives from the media, everyday Australians are sometimes […]

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A good financial planner is your best asset

Flat lay of a book with 'damn good advice' as the title next to food and water

Just as everyone should have a trusted health professional to rely on, so should everyone have a trusted financial planner. Professional financial advice isn’t just for the wealthy.   Financial planning is about establishing a long-term strategy to secure your financial future with the lifestyle and living standards you desire, regardless of your starting point. […]

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What to do if your job is made redundant

A smartly-dressed person holding a brown leather satchel and a thick book

Being made redundant from your job can be hard to accept. It is the sudden shock that catches most people – but try not to take it personally. Redundancy is usually not about your personal performance; it’s the performance of your employer’s business, the industry sector in which you work, or even the global economy. […]

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Do you have the makings of a ‘senior entrepreneur’?

A man in a robe stands behind a large bath in front of a large window overlooking a beautiful ocean view

The latest buzzword is “innovation”, but you don’t have to be young to be innovative – ask any ‘senior entrepreneur’! Reaching the seventh decade is an achievement that is nothing like it was for previous generations. Improved medical technology, and a better understanding of staying fit and healthy for longer is making a positive impact […]

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Get ready for 30 June NOW!

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When it comes to getting the most (money) from your annual tax return, there is usually a lot to think about, so we’ve identified a few options that could open the door to some opportunities to save on tax.   The key here is to plan ahead.   Deductions — lower your tax liability   […]

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How to protect your income if you are self-employed

Close up of a bunch of coins on a table

When I first met Geoff, he had just set up his own printing business in his garage and was earning a moderate income. After borrowing to finance his equipment and start-up costs, it dawned on Geoff that if he were unable to work, he could find himself in serious financial difficulty. I pointed out a […]

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Three ways ETFs may Improve a Portfolio

Navigating the plethora of available investment options can be tricky and with access to new markets opening up, choosing the best way to find alpha, decrease risk or diversify is difficult. Exchange traded funds (ETFs) may be a useful tool for some investors. Firstly though it’s important to note that ETFs are considered by ASIC to […]

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What You Need to Know About Corporate Bonds

corporate bonds

Australian Corporate Bond Company’s CEO Richard Murphy talks through the basics of investing in corporate bonds. Most investors are familiar with the concept of diversification, or to quote an industry maxim, the notion of not having ‘all your eggs in one basket’. In other words, a diversified investment portfolio is typically spread across different asset […]

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Silver lining for accountants facing new advice standards

Incoming education requirements for those providing financial advice have been billed as a headache, but some think it will allow accountants to be more competitive with financial planners. According to new guidance set by the Financial Adviser Standards and Ethics Authority (FASEA), accountants providing financial advice will likely need to complete further mandatory training, whether operating under […]

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