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.”…
Planning for retirement can be challenging enough, but when there’s a significant age difference between partners, it adds another layer of complexity. Different life stages often mean differing priorities, timelines,…
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…
The final quarter of 2024 reflected a mixed economic landscape. While consumer spending and equity markets showed resilience, persistent inflation, cost-of-living pressures and a cooling housing market have tempered optimism….
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…
Share markets are renowned for taking unexpected downturns and while history shows that markets eventually recover, this rebound in value can occasionally take time. Investors concerned about this risk might…
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…
The days leading to Christmas, holidays and celebrations are exciting, frenetic times. They’re a whirl of parties and social engagements, gifts and food to be purchased and travel arranged. The…
Struggling to keep track of multiple debt payments each month? For many Australian homeowners, juggling different debts—whether it’s credit card balances, personal loans, or mortgage repayments—can become overwhelming. Debt consolidation…
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…
Achieving a high income is a significant accomplishment. You’ve put in the hard yards, climbed the ladder, and now you’re pulling in the big bucks! But don’t be mistaken; a…
Financial advisor Robert Goudie has warned Aussies about the extra costs involved in owning a home and that renting isn’t always dead money. You might have heard the phrase that renting…
Inflation is a slow force working against your financial goals. It can quietly erode the purchasing power of your money over time. While it’s tempting to see cash as a…
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…
The Australian economy is still growing, but things are moving slower than usual, and the Reserve Bank of Australia (RBA) is being cautious with any changes to interest rates. They’re…
Debt is a fact of life; some might say it’s a necessity. Rarely is a home or large-ticket item purchased without finance of some kind. Australians typically manage their financial…
Saving for a first home often requires a significant amount of discipline and sacrifice. The challenge of accumulating the necessary deposit can feel overwhelming, making it difficult to maintain motivation….
“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…
FORO – the fear of running out. I’d never heard the expression until I met Mark and Susan. Of course I’d heard of FOMO, the fear of missing out, but…
For many Australians, particularly young Australians, the dream of home ownership is often accompanied by the reality of carrying student loans, known as HECS-HELP debt. Understanding the impact of HECS…
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…
Does your Money Mindset have your back? Or… Is it holding you back? If you’ve never really thought about it, you’d be forgiven. When it comes to our financial success,…
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