We often think investing is about the numbers: profit margins, balance sheets, dividend yields, and all that jazz. And yes, they’re important—but if you ask me, there’s something even more…
When it comes to investing, most of us focus on what to invest in—shares, property, or superannuation. But there’s another decision that’s just as important: where you hold those investments….
When it comes to investing, most people focus on picking the right stocks, finding the best superannuation fund, or minimising their tax bill. And don’t get me wrong, these things…
When clients ask, “Do I have enough to last through retirement?”, it’s often one of the biggest and most emotional questions they face. After nearly 27 years as a financial…
As a young financial advisor attending my first industry conference in early 2001, I was fortunate to meet someone who would profoundly shape my investment philosophy: Peter Thornhill. His guidance…
Over the last 20 years, I’ve shaped my investment philosophy and business around one central idea: direct investing. Rather than relying heavily on managed funds or exchange-traded funds (ETFs), I…
Buying a home in Australia has become a monumental challenge. With skyrocketing property prices and average mortgage debts exceeding $600,000, many young Australians feel homeownership is out of reach. As…
Market volatility is a natural part of investing in global share markets. Over the past 26 years as a financial adviser, one lesson has stood out: while short-term market movements…
Remember that old ad with the guy proudly polishing his boat while his neighbor asks, “How do you afford all this?” His response—“Equity, mate”—has stuck in the Australian psyche for…
Everyone wants to become wealthy. There’s no shortage of information on how to achieve it, but much of that information is filled with noise, distractions, and, more often than not,…
Australians love a good tax deduction. It’s almost ingrained in us—if there’s a way to pay less tax, we’re all ears. But what happens when tax savings become the main…
Why Traditional Budgeting Fails We’ve all been told that the key to managing money is to create a budget and stick to it. Track every dollar, set spending limits, and…
When people think about investing, they often focus on the numbers: analysing balance sheets, forecasting earnings growth, understanding sectors, and evaluating dividend yields and price-to-earnings ratios. While these elements are…
As a financial adviser, one of the most common discussions I have with clients is about helping their children financially. For those with the means, the question isn’t if they…
A client once shared a poignant regret: “When I was working and the kids were young, I saved too much. It restricted what we did when the family was together.”…
As a financial adviser, I often find inspiration in the words of seasoned investors who have spent decades mastering their craft. While Warren Buffett tends to grab the spotlight, his…
Australian investors have long been known for their strong bias toward local markets. It’s understandable—people invest in what they know and trust. However, relying solely on the Australian Stock Exchange…
When I run retirement projections for clients, one thing I do differently is stop the projections in the early to mid-80s—despite knowing there’s a high probability that one partner in…
As a financial adviser, I often see retirees who are far more stressed and anxious about money than they need to be. Ironically, money—something that should offer freedom and peace…
Volatility is part and parcel of investing in share markets. It’s what makes them exciting when prices are climbing but equally nerve-wracking when they swing downward. As much as we’d…
“Superannuation is often misunderstood, with many people mistakenly seeing it as a standalone investment rather than what it truly is: a tax structure. This misconception frequently arises, especially during periods…
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. And honestly? A lot of the information is…
The question I’m often asked is whether it’s still possible to accumulate enough wealth for retirement without taking on debt. And the answer is simple: yes, it is. While leveraging…
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