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1. Retirement is a destination rather than a transition. Many Australians are clear on what they are retiring FROM, but not clear on what they are retiring TO. They often feel that retirement is this new life phase that is an extended holiday or a thirty-year long weekend”. 2. Retirement could be the longest single
Read More...Making a commitment to yourself, your family and your business for 2018 As we approach the end of 2017, it is a worthwhile time to reflect on the year that has passed and plan for the year ahead. New Year’s resolutions come and go; some stick and some do not. The dynamic nature of financial
Read More...The Problem & the Noise If you have an interest only investment loan or an interest only portion to your mortgage you may have noticed some fairly dramatic changes to your repayments of late. If you have not checked your current rate of interest recently and the following paragraphs inspire you to do nothing else:
Read More...Saving up the cash for a deposit on a second property can be just as difficult as saving for your first home. So how do property investors manage to get their hands on enough money to build a decent portfolio? The answer is equity. It’s a hidden source of wealth that grows inside your property
Read More...It is estimated that more than 300,000 Australians will lose some or all of their Age Pension entitlements from 1st January 2017. On the flip side, approximately 50,000 Australians will become eligible for a full Age Pension from the same date. This is due to two key legislative changes; namely: A higher taper rate for
Read More...Some basic rules of thumb apply to Estate Planning – the most basic one being to have you affairs in order! Lex Goldsmith, senior planning analyst shares some insights and case studies. Firstly did you know…? If you die without a will your assets are distributed according to the intestacy rules in your state. When
Read More...In a recent survey, participants were asked to nominate the additional services they would like their financial planner to provide, outside of those that they already provide. The responses were divided into different age categories and the results were fairly predictable. In essence, any respondent who was 41 years and older nominated in the top
Read More...A home loan isn’t just a debt, it’s a great financial tool that you can use to build wealth and facilitate your lifestyle. That’s why few people keep their original home loan for the life of the loan – it pays to keep it up to date to meet your needs as circumstances change. Refinancing
Read More...There are moments in our professional lives when we realise why we do what we do. The below letter from a client is an example of this. It also highlights the benefits of being properly insured and the role we play as advisors in assisting people through the claims process. Today I want to take
Read More...Recent research by Zurich has found that Australia is one of the most under-insured and financially illiterate nations in the developed world. Zurich in partnership with Oxford University developed their 2016 Income Protection Gap report based on surveying 11,000 individuals across 11 selected countries. The findings revealed that Australians are considered under-insured, financially illiterate, over-confident
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