What is your aged care funding strategy?

According to the Australian Bureau of Statistics, in 2017 almost 3.8 million Australians were aged 65 and over. Consider for a moment: this figure shows those people contemplating aged care for elderly family members are fast approaching the age when they’ll need it themselves. Sobering thought. What this means is that as aged care becomes […]

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Protect yourself through superannuation

The attractiveness of superannuation as an investment and savings vehicle is well known. As we mentioned earlier, although the federal government places limits on the amount of tax-effective contributions we can make, the ability to structure insurance arrangements through super remains.   HOW DOES INSURANCE THROUGH SUPER WORK? The types of insurances considered here are […]

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Investing in your future

Investing in your future. The government regularly reminds us that each Australian must take responsibility for funding their future. Regardless of when you will be able to access your super, or when you choose to stop working, you need to be aware of how your superannuation is being managed and if the final balance will […]

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Making interest-free deals work for you

Coins stacked with a clock in the background

They have been around for decades but interest-free deals can still be confusing and costly when not managed correctly. Excitable advertising can make these offers almost too good to refuse, particularly with longer terms applying to higher levels of finance. For example, to get five years’ interest-free on purchases from some retailers, the minimum spend […]

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Millennials & Money – your unique needs

Two young friends sit on a lounge and smile

If you entered the world between 1980 and 1996 you’re part of the “millennial generation”. You’ve grown up in an age of unprecedented abundance and incredible technical innovation, and as a group, enjoy a greater wealth of opportunity – professionally, socially and recreationally – than any previous generation. Many goods and services have never been […]

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A different way to help the grandkids

Grandparents hold their grandkids

Many grandparents want to give their grandchildren a head start in life, and a common way to do so is to help by paying some (or all) of their school fees. This can, of course, simply be done by making a contribution at the time the fees are payable. However, it’s not unusual for grandparents […]

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You CAN save a million dollars!

Money in a case

One of the most common questions I’m asked as a financial adviser is “will I have enough to retire?” It truly is the sixty-four thousand dollar question and if $64,000 was the answer, we’d all be on easy street!   With so many variables involved, there is no set answer, but these days with many […]

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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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Everything you wanted to know about buying a home

A crisp shot of an architectural white home with perfect green grass

Ready to make the leap from renting to buying a home? Well, before you begin the search for your perfect home there are lots of questions to find answers to. Here are some of the big ones. Do you need to own your home? For most people home ownership remains part of the great Australian […]

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Financial advice is not the same for everyone

A man and a woman in winter clothes smile while they hold a fluffy white dog

Financial planning. That’s for people with lots of money to invest, isn’t it? Not necessarily. Sure, investment planning is an important part of financial planning, but underpinning the whole process of creating wealth in the first place is having a good financial strategy. For many people that strategy is taking each day as it comes […]

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