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Our advisers and support team are here to help you, every step of the way.
So nobody wants Insurance.
Our office recently worked with a client to assist them with an income protection claim. We needed to support the claim with forms and financial details.
Do you think that the claim was paid?
You bet it was. Check out this story.
Another Jack Bogle tribute.
Not many investors in Australia would know of a bloke named Jack Bogle but he passed away last week.
Let me share my thoughts on how this great man changed investing in managed money for the better.
Does this sound familiar?
I came across this video which while it is based on the U.S. market, still relates to our own markets in Australia.
I wanted to showcase this because even after the Hayne Royal Commission, there will still be financial services providers who will continue to gouge fees from your retirement capital.
We are an Independent Firm!
You don't know how good it feels to be able to write this heading. It's really important to understand that you have to be careful calling yourself an independent Financial Planner in the current environment. There is so much that needs to be done and ticked off before you can call yourself this term. The fallout from ASIC is immense if you have not got all your ducks in a row. Let me explain what this means to us and to our current and prospective clients.
Defer your taxes and save for a rainy day.
Farm Management Deposits are a risk-management tool to help primary producers deal with uneven cash flows. Uneven income is common in primary production businesses because of things such as natural disasters, climate and market variability. The FMD scheme allows primary producers to set aside pre-tax income from primary production in years of good cash flow to draw on in years of lesser cash flow.
Check out our secret menu.
You might have heard about In and Out Burgers in the U.S.A. I personally have never been there but I follow a financial planner - Jeff Rose from Good Financial Cents who is absolutely in love with this burger place which he believes is better than McDonalds.
Part of their allure is that they have a simple menu, so unlike McDonalds that has huge options, they have 3 burger options and that's it. Double Double, Cheeseburger and a Hamburger. That's it.
Welcome to your Retirement.
I was reading Ben Carlson's - A Wealth Of Common Sense blog last week and he has highlighted 50 ways that the world is better than it used to be. Out of all the points that he stated, this was the point that stuck out most for me.
What if My Financial Planner Dies?
A frequent question I get asked when talking to prospective and current clients is, " what would happen if you died?" A real risk of placing your trust with a wealth management firm is having your plans go into a tailspin if the inevitable happened to your trusted financial planner.
This is how I answer this question.
Being Frank about it.
SMSFs will potentially be affected by the Federal Opposition’s recently announced intentions to remove the ability for excess imputation credits to be refunded (albeit with clarification that pensioners and some self managed super funds (SMSF) may be exempt from this change).
Budgeting 101: Working out your income and expenditure
Getting your finances sorted begins with a budget and understanding your cashflow. See the steps required to own your cashflow so that you can control your finances and your finances not controlling you.
Downsizing for a better Retirement.
A brief outline of how you can sell your home and then contribute to super to access a tax free income stream. Check with us what hurdles you need to jump over to maximise this opportunity.
Let me introduce you to the term: Correction.
We haven't heard the term "correction" in regards to financial markets in a while.
Everything seems rosy if you are earning double digit returns but we like to remind our clients what might happen and prepare them for this also.
Check out this summary of a technical correction in regards to financial assets.
Happy Clients create Great Advocates.
The growth of our firm is built on the support and advocacy of our Happy Clients.
Take some to read this wonderful testimonial and a link to our Happy Clients page that shows how clients feel about working with our team.
These testimonials provide enormous confidence to our team and empowers us to do our best for our client's retirement plans.
What the Hell are Cryptocurrencies?
After being asked my view on what I thought of cryptocurrencies, I thought I had better do some research.
Check it out.
A few interesting facts about retirement
Given the financial demands of everyday life, planning your retirement may be a relatively low priority. You may also think that you have plenty of time to plan. But before you put off planning for your retirement any longer, here are some key facts you should consider.
Counting the cost of a curve ball
Here’s a confronting question: what would you do if the main breadwinner in your household could no longer bring in an income? Do you have a Plan B? Most people don’t. That’s where insurance comes in.
Keys to de-stressing a mortgage
“Don't sail out farther than you can row back.” This Danish saying is sound advice for anyone thinking of borrowing to buy a home, particularly now that interest rates are low and house prices are generally rising.
Personal succession planning for blended and step families
Did you know that in 2012/2013, in Australia, step and blended families accounted for approximately 6% of all families with children under 18. The days where mum, dad and 2-3 blood children made up the average Australian family are a thing of the past.
Plan ahead for the care you want
Early planning can take away a lot of the stress and uncertainty that can arise when considering aged care at home or a residential aged care facility.
5 reasons to take your insurance more seriously
As we move through life, find a partner, raise a family, and maybe start a business, the importance of insurance in a long term plan increases.