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Financial planning articles & tips

Financial planning can seem like such a broad term and quite often, people don’t know what financial planning involves or how having a financial planner can benefit them. We have a range of articles and How To Sessions covering a multitude of different topics to help you understand the areas in which a financial planner can help you, such as through investing, superannuation, insurance and estate planning.

The Top 3 Myths of Financial Planning

So one of the key myths of Financial Planning is that our role is to minimise your tax or reduce your tax bill. The reality is our job is certainly a lot larger than that. It's about looking at the long term objectives, how do we position your portfolio, your investments and your savings to achieve that. Tax is simply a by-product of that. And the ...

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Whose Responsibility?

If Old age poverty rate were to still be at its current level of 35.5% by 2050, we would be facing the prospect of over 10% of Australians living in poverty at a time when they should be enjoying their desired retirement lifestyle. Would it be the responsibility of the Superannuation or the Age Pension to avoid this? Will they even work? In an e...

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Control your retirement income

When you retire, there are different financial factors to consider because you are no longer receiving income from employment. Adverse market movements can have a greater impact on your savings in retirement because you’re not replenishing your savings with a regular pay cheque. Additionally, when you’re employed your income generally increases...

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Nothing ever Changes if Nothing Ever Changes

Have you considered if your retirement income will sustain your lifestyle? If not perhaps it is time to put away the fear of change and act now. Households are going to be in for a rude shock in retirement, as they come to terms with reduced income and the impact on their lifestyle unless they start acting now. There is a rule of thumb to help ...

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How Much Money is Enough?

If you stopped work today, how much money would you have to live off before it all ran out? If you stopped work today, how much income would your investments generate?  Would it be enough to live off?  Would you eventually have to sell down on your investments to ensure you had enough money to live off? How much is enough? If you have read s...

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