This is one of the most important questions clients ask me. And naturally, working out the answer to this question is an important part of what I do as a financial adviser. However there is an even more important question that needs to be answered first – what do you want your retirement to look […]

“When should I start planning for retirement?” – I’m often asked this question, both through my practice and in more social environments. It’s a really good question – and the answer probably won’t surprise the majority of people. In short, it’s never too early to start planning for one of the largest financial and lifestyle […]

It’s become almost impossible to watch, listen or scroll recently without headlines about AI (Artificial Intelligence) and ChatGPT infiltrating every aspect of our lives. From “ChatGPT wrote my fitness plan”, to “AI is taking over the world”, the general consensus seems to come down to one word – controversial. A language model developed by the […]

A discussion around what will happen in the event of one’s death is not the uplifting and inspiring topic people walk through our doors seeking advice on, however it is a prudent and essential discussion that needs to be addressed. Because not having these affairs in order can lead to significant financial distress. What happens […]

How are financial advice fees calculated? Financial advice fees typically reflect the time and complexity of the advice being provided. Most financial advisors have moved to a “fee for service” model, where their fees are a reflection of the skill and expertise they offer and the time involved in the solutions they develop – much […]

I was speaking with one of my clients recently and they shared their story of a very near-miss with a scammer whilst trying to sell their car. Scams are particularly topical in the media at the moment and I thought it worth sharing my clients’ experience as a reminder of how scams continue to evolve […]

Does your tax planning usually involve joining a queue to buy stationery on June 30? If yes, there’s still a few weeks to think ahead. In the final countdown to financial year-end, here are some things to consider. Bring forward tax-deductible spending If you are hunting for deductions look beyond office supplies, uniforms, and tools. […]

Given Australia’s aging population, it’s increasingly common that we are speaking to people who are recent recipients of an inheritance following the passing of a loved one. Assisting people in this situation requires a modified approach when compared with regular financial planning approaches. More often than not there is a shift in focus towards ensuring […]

A common conversation I hear when talking to clients in retirement is, “The kids will get it one day”. It’s often followed by a laugh or a sarcastic comment such as “That is if I can’t spend it all before I go”. This often comes from fear of how your money will be spent – […]

For our valued clients with an Account Based Pension (ABP) or Transition To Retirement (TTR) account, we believe it’s essential to keep you informed about the latest government changes that impacts your account. In this article, we will discuss the changes to drawdown rates for income payments and how they might affect your retirement income […]