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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Do you have $220,000 in a lost super account?

Flat lay of tablets of gold stacked haphazardly

Yes, that sounds incredible but the Australian Tax Office announced in November 2018 that there is an unclaimed (lost) superannuation account holding approximately $220,000! That’s enough to make you find out if it could be yours – or a family member’s?   Anyone who has changed their name, address or job (that accounts for a […]

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10 common financial mistakes made before retirement

A man retires on an island with his feet up

Many of us would like to think that ‘older’ means ‘wiser’, but when it comes to money that isn’t always the case. The complexity of Australia’s superannuation and pension systems doesn’t help. The upshot is that there are a number of common mistakes that retiring and retired Australians make. What are those mistakes and how […]

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Getting more out of your income protection insurance

A business-person and a client shake hands over a laptop, calculator, workbook and iPad
  • Bottrell Wealthby Bottrell Wealth
  • Feb 07, 2019
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If you’re working and haven’t yet reached the point of financial independence then income protection insurance should be on your radar. As the name implies, it can help you protect your greatest asset – the ability to earn an income. At the heart of all income protection policies is the promise to pay the policy […]

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A great way to help your kids – and you

Mum holds her small child in an embrace at the beach

We are always hearing about how important it is to insure our own lives and income, but what about insuring the same for our children?   How would your adult children and their family survive financially in the unfortunate event of an accident or an illness that prevented them earning an income for an extended […]

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Which is more precious?

Close up of babies hand touching a baby shoe
  • Bottrell Wealthby Bottrell Wealth
  • Feb 05, 2019
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It’s the middle of the night and you’re jolted awake by extreme pain in your chest. You feel like the life is being crushed out of you and immediately realise you’re having a heart attack. Your partner frantically calls 000 and as you lay clutching your chest waiting for the ambulance to arrive all you […]

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No insurance? Why take the risk?

A women takes a risk and jumps between two large boulders
  • Bottrell Wealthby Bottrell Wealth
  • Feb 04, 2019
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On average, only 25% of debilitating injuries occur at work or are work-related. In 2015/16 there were 101,770 compensation claims made for serious work-related injuries in Australia. The average time it took for a worker to return to work due to a serious injury rose by 33% to more than five weeks. In 2016 the […]

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What would happen if you could not work?

Man holds his bandaged knee

If you were paid the average annual wage of $84,6611, you could potentially earn $10,200,000 over a 40-year working life2. You would use this money for daily living, for holidays, to accumulate assets like a house and car and to save for your retirement. Being injured or taken ill, for only a short period, could […]

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The difference that insurance can make

Well manicured hand signing a life insurance document

It’s an amazing fact that many people look after their belongings better than their own lives. Most people wouldn’t think twice about insuring a car, but what about insuring a life? It’s not a good idea to focus on life’s downers but being prepared for them will make all the difference.   Could this be […]

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Protect your income!

Two women looking up to a wall covered in many security cameras all pointed at them

  Your income is the foundation upon which your family’s financial plans are built, and in most people’s lives there won’t be a larger asset to protect than their cumulative income. Consider this – a 40-year-old man currently earning $75,000 per annum with salary increases of 5% each consecutive year will earn over three and […]

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