Superannuation
Keeping on track financially in your 40s
15 July
Your 40s are a funny decade. You’re busy enough that retirement feels distant, but old enough to sense that it isn’t. The mortgage is hopefully shrinking, the kids are expensive, the career is demanding, and superannuation is that thing sitting...[Read More]
How to be healthy, wealthy and wise
9 July
Living your best life is not about chasing perfection. It is about making steady, thoughtful choices that support your health, strengthen your financial position and help you make wiser decisions along the way. The old saying “healthy, wealthy and...[Read More]
Why people avoid financial advice—and three reasons they shouldn’t
2 July
Most people want to feel financially secure. They want to manage their household expenses, build savings, make the most of their superannuation and eventually enjoy a lifestyle of choice. Yet many Australians delay speaking with a Financial Adviser,...[Read More]
Seven steps to feeling financially secure
25 June
Financial security is often associated with being wealthy, owning valuable assets or having a large retirement balance. While money and assets can provide important protection, genuine financial security is also a state of mind. It is the feeling...[Read More]
Financial Literacy for Life. What Schools Don’t Teach
17 June
Most of us left school knowing how to calculate the area of a triangle. Very few of us left school knowing how superannuation compounding works, how to read a credit card statement, or what a reasonable emergency fund looks like. That gap has...[Read More]
Rule of seven: An investor’s compass
11 June
James sat at his kitchen table, laptop open, staring at a chart of a stock he’d been watching for weeks. Every article, every podcast, every conversation with friends about investing seemed to echo the same phrase: “Time in the market beats...[Read More]
Super Co-Contribution: A simple way to boost your retirement savings
4 June
The government super co-contribution scheme is designed to help eligible low and middle-income earners grow their retirement savings. If you make personal after-tax contributions into your super fund, the government may also contribute an additional...[Read More]
The art of giving: how to make your philanthropy work harder for the causes you love
3 June
There’s something deeply satisfying about giving to a cause you believe in. What’s even better? Doing it in a way that benefits both the charity and your own tax position. Charitable giving in Australia is more structurally sophisticated than...[Read More]
Understanding risk tolerance: Passing the investment sleep test
28 May
Investing is never just about chasing returns. It is also about understanding yourself. Before choosing where to invest, one of the most important questions to ask is not simply, “How much can I make?” It is, “How much uncertainty can I...[Read More]
The power of compound interest – it rewards patience, consistency, and time.
28 May
Albert Einstein reportedly called compound interest the “eighth wonder of the world.” Whether or not he actually said it, the sentiment holds true. Compound interest is one of the most powerful forces in investing, not because it is flashy...[Read More]
Will changes to the taxation of superannuation earnings if you have a Total Super Balance of $3 million and above impact you?
27 May
What are the changes? Currently, regardless of your superannuation balance or Total Superannuation Balance (TSB), investment earnings in superannuation accumulation phase are taxed at a maximum rate of 15%. Investment earnings in ‘retirement phase...[Read More]
The key question is not simply, “Can I manage my own super?” It is, “Should I?”
21 May
A Self Managed Super Fund can be a powerful retirement planning structure, but it should never be viewed as a status symbol or a shortcut to better returns. The real decision is not just whether you are capable of setting one up. It is whether an...[Read More]
Why a financial review is one of the most valuable meetings you’ll have each year
21 May
Life rarely stands still—and neither should your financial plan. An annual financial review with your financial planner is not just a box-ticking exercise; it’s a powerful opportunity to reset, refine, and realign your money with the life...[Read More]
Debt-free retirement: Should you pay off your mortgage first?
20 May
Should you enter retirement with a mortgage? The real numbers might surprise you For many Australians approaching retirement, the home loan looms large, emotionally and financially. The dream of crossing the threshold into retirement with the...[Read More]
Understanding your risk profile: The foundation of smart investing
7 May
When it comes to investing, one of the most important — yet often overlooked — steps is defining your risk profile. It’s the foundation upon which your entire financial plan is built. Without a clear understanding of how much risk you are...[Read More]