The Ultimate Financial Checklist for 2022

  As we settle into a new year and shake our heads at how fast the last 12 months have come and gone, most of us will be thinking about the coming year and the things we would like to achieve. Don’t forget to include money on your list of new year’s resolutions!   Here are 12 things you can do to get off to a strong financial start in…  Read more

5 of the Most Common Financial Goals to Consider for 2022

A brand new year means a fresh, new start. Do you know what else it means?  New goals!! The last two years have been challenging, but 2022 is going to be amazing – and you can make it even more incredible by setting goals that challenge and reward you. As we work our way into the New Year, now is the time to start planning out your goals – the…  Read more

3 Tips to Help You Retire Early

Despite being years away from the average retirement age, it’s the dream of many hardworking individuals to achieve an early retirement.  You may have heard of the FIRE movement – Financial Independence, Retire Early.  FIRE is a movement of people dedicated to extreme saving and investing, in a way that allows them to retire far earlier than they would have otherwise.  One of the most important elements of the FIRE…  Read more

What You Need to Know About Making a Downsizer Contribution

You may be someone approaching your retirement days or already living the retirement dream. Either way, you might have noticed some changes in your living situation and lifestyle.  Many retirees begin to realise that their current home isn’t necessarily the right fit for their new retirement lifestyle. Commonly, retirees realise their home is simply too big! Maybe you’ve decided you want a far more low maintenance home with less gardening,…  Read more

3 Factors to Consider Before Hiring a Financial Adviser

It is a common goal for many Australians to achieve financial security for themselves and their family. Many people will find this far easier with a financial adviser by their side. In partnership with a financial adviser, you have the opportunity to improve your finances and get on track to achieving the dream of financial freedom! However, it’s imperative to choose the right financial adviser to help you protect and…  Read more

Ethical Investment Week 2021

Today marks the beginning of Ethical Investment Week. ​Now in its eighth year, Ethical Investment Week highlights the importance of ethical investing and the benefits it can offer investors. But what is ethical investing? Ethical Investing is a holistic approach to investing, which considers not only financial returns, but the impact of that investment (both negative and positive) in areas of social justice, corporate governance and the environment. It helps…  Read more

Mortgage Repayments – Our Top Five Tips to Get Ahead

Taking out a mortgage is one of the most significant financial decisions that you’ll ever make. However, things don’t end there as there’s still the matter of paying your mortgage (as much as we would like to avoid this part of buying a home!).  While it can feel intimidating to have a huge mortgage, paying off your home loan ahead of schedule isn’t as difficult as you may think. Granted,…  Read more

5 Financial Tips for Your 30s

Your 30s are an exciting time. You’re typically making more money than you were in your 20s and you’re looking to the future to determine the type of life you want to live. Your 30s are also a great time to take control of your finances, so you have more security and flexibility in the coming years. Here are 5 financial tips to follow in your 30s, to help you…  Read more

Tax Implications of Cryptocurrency (AU)

With cryptocurrencies gaining notoriety, many people are unclear on how or when they can be taxed. Despite widespread belief to the contrary, you can be taxed on gains made as a result of obtaining or using cryptocurrency. If you’ve made a profit from trading cryptocurrency, for example, you need to declare it at tax time. Here is some important information on cryptocurrencies and their implications for your taxes. How cryptocurrency…  Read more

Building a Personal Financial Plan – Essential Tips from Our Advisors

When it comes to understanding the fundamentals of money and managing your finances, it can be intimidating to begin if you don’t know where to start. Most of the time, however, money management can be relatively simple.  At the end of the day, you don’t have to be a financial genius to handle your finances, nor do you have to spend all your time and energy on knowing what to…  Read more

5 Steps to an Early Retirement

For some people, early retirement is a choice. For others, it’s a necessity. Regardless of which group you fall into, there are some steps you can take to help make early retirement a reality and live the life you dream about. 1. Know your goals Before you know exactly how much money you need to save, you need to know your goals for retirement. Do you want to live in…  Read more

5 Steps to Early Retirement

For some people, early retirement is a choice. For others, it’s a necessity. Regardless of which group you fall into, there are some steps you can take to help make early retirement a reality and live the life you dream about. 1. Know your goals Before you know exactly how much money you need to save, you need to know your goals for retirement. Do you want to live in…  Read more

Stocks: Eight Ways to Become a Better Investor

Everyone would like to become a better investor. People get into a twist trying this method and that only to abandon their stocks for the next new thing. There’s an easier way, and it involves following a few simple suggestions.   Stop watching the market and start your watching stocks Just because the market is frothy doesn’t mean your stock’s price is. Just because the market is sinking doesn’t mean…  Read more

6 Tips to Get Back Control of Your Money

Feeling like you’ve lost control of your finances? Everything is going to debt and nothing for you and your family to enjoy life? Living a debt-free life is one of the dreams of many people. However, paying down your debt is easier said than done. Some people struggle to keep up with their monthly bills and become overwhelmed with the amount of debt they have to pay. In these circumstances,…  Read more

What is good debt? What’s bad debt? Which ones do you have?

There are so many ways to rack up debt that sometimes we don’t even think about it anymore. Student loans, mortgages, car loans, credit cards… which ones are good and which are bad? Essentially, bad debt costs you money and good debt makes you money. Let us explain:   Good Debts Student Loans (HELP/HECS) Why are they good? Student loans are an investment in your future, opening up different career…  Read more

5 Hacks for Financial Fulfilment

Having total financial control can give you an amazing sense of freedom. However, it takes a lot of discipline and hard work for you to be able to achieve this. In this article, we’ll share some useful tips that you can start now to live a better financial life. Build multiple sources of income Whether it’s through your business, a side hustle, or investing, building your income network can help…  Read more

Life Insurance: Fact vs Fiction

There’s a fair bit of misinformation when it comes to life insurance – so here’s some general facts to think about when deciding if you’d like to get protected.   Life Insurance is Expensive Not necessarily! Policies and premiums vary based on a variety of factors such as age, health and lifestyle. It can be less than $1 per day for a non-smoking 30-year-old to have comprehensive cover.   Life…  Read more

Do you need to plan for your retirement?

Longer life expectancy is creating difficulties when it comes to navigating the financial and emotional realities of retirement. With the developments of modern medicine and technologies, life expectancy is changing. In fact, an Australian today who is over the age of 65 is likely to live well into their 90s! With longer life expectancies, most retirees can’t afford to stay on autopilot with their retirement – there’s a growing number…  Read more

Choosing a financial adviser

It’s important to find a financial adviser that suits your needs and understands your goals. Your financial adviser should work with you to look at your finances and create a plan to help you achieve financial freedom. So, steps to choosing a financial adviser:   Check that they have an Australian Financial Services (AFS) License. ASIC issues this license when a business proves they can meet a minimum standard for…  Read more

Superannuation for Women: What you need to know

Superannuation is actually quite straightforward, but many people struggle with understanding how it works and why it’s important. We hear lots of clients claiming they don’t really need super – because they’ll just use the aged pension when they retire. While the aged pension does provide that support, many Australians value a broad range of leisure and recreational activities and having super saved up is a good way to ensure…  Read more

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