Budgeting on an irregular income: A guide for sole-trader contractors and freelancers
Budgeting can be hard enough for those in regular employment, who need to cover today’s bills as well as, hopefully, tomorrow’s emergency savings and investment in their future. But if…
Quarterly Economic Update: April to June 2026
It was a quarter of two halves. Overseas, the US and Iran agreed to end their war, sending oil prices tumbling and sharemarkets rallying. At home, households copped another rate…
The hidden cost of extending your mortgage back to 30 years
The federal government has tried (via 2009 legislation and later instructions to banks from APRA, the Australian Prudential Regulation Authority) to ensure that mortgage borrowers will be able to service…
When good money doesn’t mean financial security
Not so long ago, a six-figure salary was considered a solid income. But you didn’t suddenly become extravagant, so why are you now feeling like you need to tighten your…
Strategies for Reducing Debt and Enjoying Your 60s
Carrying debt into your 60s can feel stressful, especially when retirement is getting closer. The good news is that there may be practical ways to reduce debt while still making…
How many bank accounts should you really have?
There’s no such thing as a perfect number of bank accounts that will suit everyone. But there are good reasons for avoiding the extremes of having only one account struggling…
Blended families and money: How to protect assets fairly
About one in 10 families in Australia is a blended or step family, according to census data, and this trend has increased in recent years. Blended families can work well,…
What Does the 2026 Federal Budget Mean for Australian Investors?
The 2026 Federal Budget has introduced some of the most significant proposed tax changes Australia has seen in years. While many of the announcements were expected following months of speculation…
Future of home ownership – time to think outside the box?
Home ownership has always been central to the Great Australian Dream, but for many, that dream may feel increasingly unattainable.
This reality has prompted some thinking outside the box, giving rise…
The Risks of Property Investing: What Social Media Doesn’t Tell You
If you scroll through social media, you’ve probably seen bold claims from property investors, buyers’ agents, and real estate professionals boasting about the incredible growth of their portfolios. Properties worth…
Rent or buy: What’s best for your super?
Home ownership – is it still the Great Australian Dream? According to a recent survey, it is, but the option of renting for life is becoming increasingly attractive.
Income protection insurance: Is it still worth the premiums?
Income protection insurance is a financial tool that’s essential for some people, ‘nice to have’ for others, and possibly quite unnecessary for a third group. In other words, there’s no…
Loyalty tax – are you paying more than you should?
Sandy joined her local gym a decade ago. She was proud of her long-member status and was content to pay the monthly $200 fee.
Just Because You Can, Doesn’t Mean You Should: The Property Investment Trap
Everywhere you look, property investment is being marketed like a golden ticket to wealth. Social media is flooded with experts explaining how to structure loans, access equity, and leverage your…
How Financial Advice Can Help After the Loss of a Partner
Some of the most meaningful work I do as a financial adviser happens during the hardest seasons of a person’s life.
Losing a partner is one of those moments.
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How Will the Family Trust Tax Changes Affect Small Business Owners in Australia?
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Strategies for Debt Reduction and Enjoying Your 60s
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How Much Can You Have and Still Get the Age Pension?
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Negative Equity Nightmare: How This Couple Lost $150k on a New Build Property
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Case Study: Reducing Death Benefits Tax with a Superannuation Recontribution Strategy
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Navigating Separation: Practical Financial Guidance & Support
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Federal Budget 2026: Capital Gains, Negative Gearing & Trusts Explained #federalbudget
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Your Aged Care Guide: RADs & Financial Complexities
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Catch-Up Super Contributions Explained
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5% Deposit Scheme: Helping or Hurting First Home Buyers? #firsthomebuyer
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Retiring Before 60? Key Strategies to Consider
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How to Move Town Without Ruining Your Finances | Case Study
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Early Inheritance Guide: How to Invest $2–3 Million in Your 20s Wisely #inheritance #casestudy
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Most Common (and Costly) Money Mistakes You Should Avoid #financialmistakes #financialeducation
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What Investors Should Do During Global Uncertainty #stockmarketupdates #globalmarkets #investing
How to invest: Secrets learnt from 20+ years in finance
Presented by Rob Goudie, CFP, Grad Dip FP For the past 20+ years Rob has been working with superannuation investors, small business owners (including farmers) and direct share enthusiasts who…
How to pay off your Home Loan FASTER!
Presented by Rob Goudie, CFP, Grad Dip FP Live a life where you are in control of your finances so you can focus on what’s really important to you! We…
Beating Mortgage Stress
Presented by Rob Goudie, CFP, Grad Dip FP Beating Mortgage Stress: How to recognise it and how to fix it! With the number of borrowers behind in their mortgage repayments…
Investing In The Right Asset Class
Presented by Peter Thornhill ‘”Absolute gold” for determining where to invest’ – Rob Goudie Wanting to understand the best areas to invest to get the best results for your savings?…
Beginners Guide to Super
There are many parts to Australia’s superannuation system, but with a basic understanding it all begins to make perfect sense and the earlier you understand it, you’ll have confidence to…
How Super Works
It’s never too early to start thinking about your super. Superannuation, or ‘super’, is money saved now, for you to enjoy in your retirement. Your employer should pay 9.5% of…
Understanding Credit Cards
So… one of the biggest mistakes we can make is using a credit card without really understanding how it works. Credit cards can save you money, or they can completely…
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Investing Insights eBook
Are you overwhelmed by the complexities of the investment world? “Investing Insights: Your Essential Guide” is here to simplify the journey. In this user-friendly guide, we break down investment concepts…
How to Retire Well eBook
Let’s explore what retirement really means – it’s not just about the dollars, but about findingnew purposes, interests, and connections. In this book, we dig into how having a reason…
Financial Independence eBook
Unlock the path to financial freedom with “THE FIVE KEY COMPONENTS of FINANCIAL INDEPENDENCE.” This insightful eBook lays out a roadmap to take control of your finances, starting with a…
Investing In Your Future eBook
Unlock the power of your superannuation with “Investing in Your Future! EVERYTHING you wanted to know about SUPER.” This comprehensive eBook demystifies the complexities of superannuation, offering easy-to-understand insights on…
Life Insurance eBook
Secure your peace of mind with ‘Protecting What Matters Most!’ Dive into the world of Life Insurance with these 4 essential insights. While it may not be the most exciting…
Financial Freedom Starts Here! eBook
Unlock the path to Financial Freedom with ‘Financial Freedom Starts Here!’ This eBook outlines 5 crucial steps to help you take control of your financial future. From breaking the cycle…
Super Cheat Sheet eBook
Discover the ultimate Superannuation Cheat Sheet, unveiling FIVE PROVEN WAYS to safeguard your retirement and investment income. Take control with 5 essential steps to personalise your investment strategy, explore property…
Home Loan Nightmares eBook
Unearth the secrets of Home Loan NIGHTMARES in this eye-opening eBook. Discover the five things the bank doesn’t want you to know. Gain clarity and confidence as you explore Dirty…
Aged Care eBook
Unlock the secrets of Aged Care planning with our comprehensive eBook. Discover the critical first step of assessment by the Aged Care Assessment Team and craft a smart funding strategy…
Selling the Farm eBook
Discover the essential steps to successfully SELLING THE FARM in this insightful eBook. With decades of hard work behind you, it’s time to explore why selling may be the right…
Budgeting on an irregular income: A guide for sole-trader contractors and freelancers
Budgeting can be hard enough for those in regular employment, who need to cover today’s bills as well as, hopefully, tomorrow’s emergency savings and investment in their future. But if…
The hidden cost of extending your mortgage back to 30 years
The federal government has tried (via 2009 legislation and later instructions to banks from APRA, the Australian Prudential Regulation Authority) to ensure that mortgage borrowers will be able to service…
Strategies for Reducing Debt and Enjoying Your 60s
Carrying debt into your 60s can feel stressful, especially when retirement is getting closer. The good news is that there may be practical ways to reduce debt while still making…
What Does the 2026 Federal Budget Mean for Australian Investors?
The 2026 Federal Budget has introduced some of the most significant proposed tax changes Australia has seen in years. While many of the announcements were expected following months of speculation…
The Risks of Property Investing: What Social Media Doesn’t Tell You
If you scroll through social media, you’ve probably seen bold claims from property investors, buyers’ agents, and real estate professionals boasting about the incredible growth of their portfolios. Properties worth…
Just Because You Can, Doesn’t Mean You Should: The Property Investment Trap
Everywhere you look, property investment is being marketed like a golden ticket to wealth. Social media is flooded with experts explaining how to structure loans, access equity, and leverage your…
How to Minimize Tax and Protect Assets Through Smart Structure Choices
When we think about health, we often picture diet, exercise, or regular check-ups. What we do not always think about is money. Yet financial wellbeing and overall wellbeing are closely…
Know Who You’re Dealing With: The Hidden Conflicts in Property and Banking
In Australia, it’s no secret that banks and property marketers have a vested interest in keeping you in debt. But over the years, this has been normalized to the point…
Unlimited Upside: Why Investing Is About More Than What You Risk
When it comes to investing, one concept stands out for its sheer potential: unlimited upside. This idea—the notion that a business’s growth has no ceiling—is what makes investing in the…
Should You Invest in Property? A Look at Biases and Balanced Advice
Property investing has been a hot topic in Australia for decades. With nearly 25 years of consistent growth driven by government intervention and historically low interest rates, it’s no wonder…
Retirement Confidence Comes From the Right Projections
As a financial adviser, one of the most valuable tools I’ve used over the last decade is personalised, realistic retirement projections. While many clients come to me wondering where and…
The Real Reason Property Prices Exploded (And Why We May Have Hit the Ceiling)
I’ve been digging back into some excellent research from Tim Farrelly—our asset consultant who I really rate for his independent, no-conflict views. A few years ago, he published a brilliant piece…
You Don’t Need High Risk Debt to Become Wealthy
There’s a growing issue facing families today, and it spans three generations. At the heart of it is the younger generation—the first-time homebuyers—who are struggling to break into the property…
The Information Overload Trap: Why Too Much Financial Advice Can Leave You Stuck
There’s no shortage of financial advice out there. Everywhere you look—social media, news articles, investment forums—you’re bombarded with strategies, opinions, and predictions.
The Big Money Is in the Waiting: Lessons from Charlie Munger
Discover why Charlie Munger’s quote, ‘The big money is not in the buying and selling, but in the waiting,’ holds the key to investment success through patience, compounding, and investor…
General Advice Warning
This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.