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…
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…
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…
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 market. This challenge isn’t just theirs to bear; it’s one that also involves their parents and grandparents, who want to see them succeed but are grappling with how to provide the right kind of support without overstepping or creating dependency.
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.
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 psychology.
Investing isn’t just about the numbers—far from it. Over my 26 years as a financial adviser and more than three decades as an investor, I’ve realized that understanding balance sheets,…
Over the last few years, I’ve taken on the management of many self-managed superannuation funds (SMSFs), and in doing so, I’ve encountered a particular investment type that often causes significant…
If you’ve ever clicked on a Facebook or Instagram ad about paying off your home loan in under 10 years, chances are you’ve been bombarded with more of them since. I’m all for reducing debt as quickly as possible. But let’s be real: not all strategies are created equal, and not all of them are safe.
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.”…
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