INDEPENDENT FINANCIAL ADVICE

Here’s something you might not expect to hear a financial planner say: maybe repaying your debt is the last thing you should do. We...

Negative gearing occurs where the income from a ‘geared’ asset is less than the interest and other holding costs, creating a loss while...

Problems with cash flow are constraining the revenue generation of virtually all Australian SMEs, a new report suggests, indicating it...

We will start this blog with a question. When you spend money, how often do you ask yourself what you won’t be buying as a result of your...

Not all debt is the same. Even if the interest rate is. One of the main differentiators between debt is whether or not you can claim a...

Financial planners divide debt into two types: deductible debt and non-deductible debt. Deductible debt lets the borrower claim a tax...

2017 is drawing to a close and we wish you all the very best good fortune of the season. Thank you for being part of our journey in 2017....

2017 is coming to a close and what an ‘uninteresting’ year it has been. Earlier this week, for the 13th month in a row, the Reserve Bank...

Here is an idea for you. There is no such thing as a discount. There is just the price. As we head into Christmas, many people will be...

Last week, we introduced the concept of mental accounting. We want to continue the theme this week as part of our ‘behavioural economics...

Christmas is coming and you probably know someone who is really hard to buy a present for. You might be tempted to buy them a gift...

This week we continue our theme of inter-generational financial planning. We turn our attention to the very young members of your family....

Here is a troubling statistic: in the eight years from 2006 to 2014, the wealth of Australians aged between 65 and 74 increased by an...

Sometimes people really do win the lottery. But here is a story of someone who won the lottery twice. We recently came across a genuine...

Marriage automatically revokes a will, unless the will specifically contemplates the marriage and names the intended spouse. So, if you...

Superannuation is an area that is often forgotten or misunderstood in the estate planning process. A super fund member cannot just sign a...

Being self-employed requires an entirely different ‘mindset’ to being an employee. In our own experience, and in our observations of...

Superannuation really is super. Super lets you pay less tax and boost your retirement savings, all in one go. We really like it and we...

2017 has meant a major change that affects recipients of benefits such as the aged pension. When a person receives the aged pension,...

As we have said before, we like to wait a few weeks before going to press with our thoughts about the annual Commonwealth Budget. This...