A Smarter Way to Respond to Super Volatility
When markets get bumpy or household budgets feel tighter, it’s common for people to start questioning their super. If your balance has dipped or returns haven’t met expectations, you might…
Financial Wellbeing: More than Just Numbers
When most people think about financial advice, they picture investments, superannuation, or maybe insurance. But the true value of advice isn’t just about the numbers, it’s about what those numbers allow you to do in your life.
The Real Value of Financial Advice
When most people think about financial advice, they picture investments, superannuation, or maybe insurance. But the true value of advice isn’t just about the numbers, it’s about what those numbers allow you to do in your life.
The Sandwich Generation: Managing Finances While Supporting Both Children and Ageing Parents
Many Australians find themselves in what is called the “sandwich generation.” This is the stage of life where you may still be supporting children while also stepping in to care for ageing parents. It can feel like you are being pulled in two directions, both emotionally and financially.
Transition to retirement pensions: A step-by-step guide
As you progress towards retirement age, the idea of reducing your working hours can be appealing, especially if you can do it without reducing your income. Fortunately, there is a way to do this. It’s called a Transition to Retirement Income Stream (TTRIS), which allows you to supplement your part-time income with regular payments from your superannuation savings.
The Information Overload Trap: Why Too Much Financial Advice Can Leave You Stuck
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.
Retirement Is More Than a Number
When most people think about retirement, they picture a dollar figure. How much super will I need? Do I have enough investments to last? While money is important, true retirement planning is about much more than a number on a page.
Small Steps, Big Impact
When it comes to money, it is often the small, consistent steps that make the biggest difference. You do not need to make dramatic changes overnight. Building good habits and sticking with them over time can transform your financial future.
Should you downsize to boost your super? Pros, cons, and tax implications
The idea of downsizing can be very appealing to empty-nesters. There will be less cleaning, gardening and maintenance, more time for hobbies and travel, and the icing on the cake comes if you can use the cash surplus you created to give your super a significant tax-effective boost.
But is the picture totally rosy, or are there some drawbacks to downsizing?
Help! I’m not ready to retire
If you don’t feel prepared for retirement, you’re not alone.
Retirement preparedness doesn’t just mean having enough money to leave work but includes emotional challenges like your sense of self and what your future might look like.
Set yourself up for a rewarding retirement by meeting the following common challenges, head-on!
What happens to my superannuation if…?
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?
Retirement Planning for Couples with an Age Gap: 5 Conversations You Need to Have
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,…
Why I Stop Retirement Projections in the Early to Mid-80s (and Why It Matters)
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 Secret to a Regret-Free Retirement: Focus on Memories, Not Markets
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…
The Information Overload Trap: Why Too Much Financial Advice Can Leave You Stuck
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…
Why You Don’t Need Debt to Build Wealth for Retirement
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…
6 steps to a Happy New Financial Year
The new financial year provides an opportunity for a fresh start for your finances. Make this the financial year you get on top of yours… for good! We’ve broken it…
Roadmap to retiring young
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…
Estate Planning is not just for retirement
Many people think that Estate Planning is only for people who are close to retirement, especially if we fall into the trap of thinking that Estate Planning is just about…
What does a good financial adviser do?
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…
Can you afford to retire early?
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…
Six super hacks to retire richer
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…
It’s not too late for super planning in your 60s
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…
Push the super pedal down in your 50s
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…
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