Balanced super and investment funds…..millions of Australians are invested in them – but did you know that there is no consistent standard for what constitutes a “balanced” fund? If it’s been a while since you reviewed your superannuation fund or haven’t previously paid much attention to how your super is invested, you may be surprised […]

This client story highlights the importance of ensuring client needs are regularly reviewed and advice strategies adjusted accordingly. Client goals, circumstances, and needs can change over time, so it’s important to make sure your financial advice evolves and continues to support those changing needs. I met a retired couple who had entered their retirement with […]

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. […]

In this month’s update we provide a snapshot of economic occurrences both nationally and from around the globe. Key points: The first developed world Central Bank implements the first interest rate cut. The USA economy is still aiming for an economic ‘soft landing’. Australia still in a ‘per capita’ recession but RBA still hedging its […]