Strategies for Debt Reduction and Enjoying Your 60s

  • Property vs Shares: Which Is the Better Long-Term Investment? 

    Investing

    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 you’re a self-employed sole trader, you have three more financial headaches to add to the list: setting aside correct amounts to pay the ATO, covering your own super contributions, and dealing with periods when there is no income flowing in. It can seem like a formidable task, but with the right advice, you can create a budget that will help you to navigate this potential minefield.

  • Budgeting on an irregular income: A guide for sole-trader contractors and freelancers

    Updated on Budgeting, Investing

    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 you’re a self-employed sole trader, you have three more financial headaches to add to the list: setting aside correct amounts to pay the ATO, covering your own super contributions, and dealing with periods when there is no income flowing in. It can seem like a formidable task, but with the right advice, you can create a budget that will help you to navigate this potential minefield.

  • When good money doesn’t mean financial security

    Budgeting, Investing

    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 belt? You’re not imagining that growing sense of financial unease, nor are you alone. Chances are you’re experiencing what’s become known as the “middle-class squeeze.”

  • How many bank accounts should you really have?

    Updated on Investing

    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 to cover all your needs and goals, or on the other hand, having a large and confusing mix of accounts with different banks, some of which you’ve simply forgotten to close.

  • Deb, 56 – 65 years, Hopetoun, VIC

    Testimonials

    “Rachael was friendly, knowledgeable, well informed and gave concise clear advice She has a warm and personable demeanour and gave me exactly the information I needed I was extremely happy…

  • Sean, 46 – 55 years, Everton Hills, QLD

    Testimonials

    “Meeting with Rachael today was a comforting experience for my wife and I. Her approachable manner, attention to detail, and expertise in retirement planning immediately put us at ease. She…

  • Colin, 65+ years, Edenhope, VIC

    Testimonials

    “Rachel is absolutely wonderful to interact and deal with, Rachel charismatic personality enveloped straight away, and her caring nature continues through out. Rachel was always genuinely interested in us both…

  • Jenny, 65+ years, Apollo Bay, VIC

    Testimonials

    “We are so very impressed with the service Ashley offered my parents regarding Aged Care advice. His empathy and kindness towards my parents during conversations regarding aged care planning put…

  • Anthony, 46 – 55 years, Horsham, VIC

    Testimonials

    “Ashley was great to deal with. We were very impressed by his knowledge, professionalism and integrity. Even though it would have been evident to Ashley at the start that his…

  • Julie, 65+ years, Beachport, SA

    Testimonials

    “Ashley was very helpful in my retirement and set up my fund through net wealth. He drew up a plan budget and explained all about the shares port folio. He…

  • Dean, 56 – 65 years, Mill Park, VIC

    Testimonials

    “I had an online meeting with Ashley regarding Aged Care for my mother. After explaining my mother’s health issues and financial status, he offered advice in terms that I could…

  • Pamela, 65+ years, Horsham, VIC

    Testimonials

    “Ashley is always available to answer questions and to offer suggestions. Paperwork was always prepared thoroughly and professionally presented. I have been very pleased with the services provided and Ashley…

  • Lesley, 56 – 65 years, Brisbane, QLD

    Testimonials

    “I recently chatted to Rob about my current situation. He was thorough and concise. Giving sensible down to earth and realistic advice. His information was very succinct and he places…

  • Isobella, under 35 years, Horsham, VIC

    Testimonials

    “My partner and I had a fantastic experience discussing our financial goals with Rob Goudie. He provided clear and insightful guidance on various strategies, including the First Home Super Saver…

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