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…
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,…
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.”
This simple reflection struck a chord with me. It got me thinking about the delicate balance between saving for the future and living fully in the present. While we all know the importance of financial security, is it possible to save too much—at the expense of the moments that matter most?
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,…
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…
“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…
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…
Adjusting to life after divorce, particularly later in life, is akin to navigating through some of life’s most challenging events, psychologists say. It’s a journey comparable to coping with loss,…
A year before retirement, Tess’s superannuation plan was on track, and she was imagining her post-work life. With savings of $34,000 at the bank, she was looking to park it…
The dream of retiring young is one that captivates many peoples’ imaginations. The freedom to live life on your own terms, doing what you want, when you want is undeniably…
While millennials have for decades been treated like ‘the children of Neverland, who never grew up’, reality is fast catching up with this generation, who are now young adults between…
Some people may think that a financial adviser’s role is to forecast the direction of the share market from month to month and invest clients’ money accordingly. This is not…
Many Australians caught in the nine-to-five grind of working for a living, dream of the possibility of taking early retirement and spending their days travelling or playing golf or doing…
While it’s easy to be discouraged by superannuation and fear you will never have enough money saved to stop working, remember even a modest superannuation balance can make a big…
For most Australians, their 60s is the decade that marks retirement. For some this means a graceful slide into a fulfilling life of leisure, enjoying the fruits of a lifetime…
If 50 really is the new 40, then life has just begun. The kids are gaining independence or may have left home, and the mortgage could be a thing of…
Typically your forties is a time of established careers, teenage kids and a mortgage that is no longer daunting. There are still plenty of demands on the budget, but by…
One in six people will be over 65 years old by 2050. With the world’s population ageing quickly, it is natural to think about how pension systems around the world…
While women earn less and spend less time in the workforce than men, sharply reducing their super contributions throughout their working lives, there are some simple steps women can take…
Once your mortgage and other financial commitments are manageable, it is usually time to put the pedal down on your super. Those prime income years, between age 40 and 50…
So, you are seriously starting to think about your retirement. The kids are finally more independent, the mortgage is less than it was, and the super is more than it…
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