by Bottrell WealthHitting an insurance home run Most people either cringe or yawn when the word insurance is mentioned but regardless of whether you find it scary or boring, managing risk is a necessity in the world in which we now live. Let’s cover all of the bases to help make your home run as easy as […]
by Bottrell WealthIt’s all about having a choice The key to life is living, not just working to retire, but there may come a time in your life when you want to change what you’ve been doing and either stop working completely or take a long holiday and work out what’s next. To be able to have this […]
by Bottrell WealthAccording 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 […]
by Bottrell WealthThe 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 limited […]
by Bottrell WealthInvesting 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 […]
by Bottrell WealthThey 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 […]
by Bottrell WealthIf 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 […]
by Bottrell WealthMany 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 […]
by Bottrell WealthOne 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 of […]
by Bottrell WealthSome 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 that […]