Proper Financial Advice

Hot Issues
	Get that money mindset this year \| A 9-step guide to getting on top of your finances in 2024
	Seven key charts for investors to watch - where are they now?
	Is ‘keeping up with the Joneses’ holding you back?
	Avoiding emotional bias in financial decision making
	Countries producing the most solar power by gigawatt hours
	How mindfulness can improve the way we work
	Falling inflation - what does it mean for investors?
	How to retire with greater confidence
	The 1% rule – tiny changes add up to a BIG difference
	Wheat Production by Country
	How mindfulness can improve the way we work
	2024 - a list of lists regarding the macro investment outlook
	How to retire with greater confidence
	The 1% rule – tiny changes add up to a BIG difference
	Australian home prices up on supply shortfall, but at risk from high rates
	Catching the kindness bug
	Helping you loosen the purse strings
	How much do we depend on China?
	Negative gearing: Time to re-evaluate your strategy?
	The threat of higher oil and petrol prices flowing from the war in Israel
	How much longer will Australian household savings last?
	Four reasons inflation may rise again... and why we think it won’t
	Managing the rising costs of raising kids
	Time to Spring clean your finances?
	Has the RBA finished rate hikes?
	3 graphs that explain what’s happening with Australian wages
	Why an emergency fund delivers peace of mind
	How do interest rates affect your investments?
	The financial literacy gender gap and what to do about it
	What the manufacturing downturn means for investors and the economy
	Will these super changes affect you?
	9 money mistakes people make in retirement
	Why the need to lift productivity
	Intergenerational Report 2023
	Oldest Buildings in the World
	The confusing economic picture
	9 money mistakes people make in retirement
	How much do you need to retire comfortably in Australia?
	How to prepare financially for starting a family
	Understanding home loans
	Peak Australian home ownership
	Your end of financial year super checklist
	Tax-deductible superannuation contributions explained
	Making superannuation downsizer contributions
	9 ways to boost your super savings
	Sell in May and go away? The worry list for shares (and the good news!)
	Can I go back to work if I’ve already accessed my super?
	Your 7-point retirement planning checklist
	Super contribution rules when you’re in your 60s and 70s
	What happens to my super when I move overseas?
	RBA Review
	Term deposit vs savings account: what’s the difference?
	How Australia’s perceptions of wealth are changing in the 2020s
	The benefits of reaching your 60s in Australia
	Understanding Lender’s Mortgage Insurance (LMI)
	Overview of the Federal Budget 2023 – 24
	Five charts on investing to keep in mind in rough times like now
	Five charts on investing to keep in mind in rough times like now
	Blue collar, white collar - how the job you do can affect your financial stress
	5 things to consider when saving for a house deposit
	How to review your direct debits and save
	Top tips on how to save money
	The RBA hikes rates by another 0.25% - are we there yet?
	How to avoid bill shock with bill-smoothing payments
	When can I access my super?
	How investment market volatility could affect your super
	Can you teach your kids to defer gratification?
	5 ways to create your own good fortune this Lunar New Year
	Seven reasons why Australian shares are likely to outperform global shares over the medium term
	Understanding fixed, variable and split rate home loans
	Should you give your teenager a credit card
	How to trick yourself into saving money
	How much super should you have at your age?
	Guide to your preservation age
	How to budget in 3 simple steps
	Review of 2022, outlook for 2023
	A 2022 Advent Calendar for our clients
	11 things to know about your super
	What is equity and how can I use it to invest?
	Shares may have bottomed
	What is the retirement age in Australia?
	Positive results from research into the value of financial advice.
	Budget October 2022-23 - Comprehensive summary
	Planning a career break?
	Federal Budget: all the key points you need to know
	Federal Budget 2022: Winners and Losers
	7 easy ways to save for the future today
	Federal Budget 2022/23 - Documents and Facts Sheets
	The quick guide to redrawing on your home loan
	Seven things for investors to keep in mind in rough times like these
	Who is winning the streaming wars
	Considerations for different retirement living options
	Reviewing your personal insurance policy
	How does the First Home Super Saver Scheme (FHSSS) work?
	Australia’s productivity challenge – why it matters and what to do about it
	The Countries that Consume the Most Beer in the World
	9 tips for first home buyers
	6 tips to reduce your debts before you retire
	How catch-up concessional contributions work
	Booms, busts and investor psychology
	Largest wind power producers in the world
	Emergency fund: What it is and how to build it fast
	Eight tips to consider in times of volatility
	State and Federal COVID-19 support---Aug 2022
	Rising home loan interest rates explained - what you need to know
	How to budget as interest rates rise
	Inflation in the 70s - baby boomer fantasy or nightmare?
	Largest natural gas produces by country from 1970-2021
	How could the latest Budget impact your tax return?
	8 indicators you may not be ready to retire
	What is an offset account and how does it work?
	How to invest responsibly and ethically.
	National property prices fall for the first time since the pandemic
	Australia’s new Government
	Is my employer paying me the right super?
	7 age pension traps to avoid
	What is gazumping and how to prevent it happening to you
	Total GDP Nominal by Country ( 1960-2050)
	Can you use your pension to retire debt free?
	Super changes that could affect you from 1 July 2022
	Your super checklist for EOFY
	9 money conversations to have with your partner
	Australian housing slowdown Q&A
	Largest cities in the world 1500 to 2100
	Federal budget 2022: Winners and Losers
	Why Australian interest rates are likely to rise and when
	Living costs for retirees rise at fastest pace in 10 years
	9 money tips if you’re having a baby
	The US Federal Reserve starts raising interest rates
	Federal Budget 2022 – Overview
	Federal Budget 2022 and YOU - Part 1
	Federal Budget 2022 and YOU - Part 2
	The escalation in Ukraine tensions - implications for investors
	Why it’s important to think about insurance ahead of retirement
	Budget smarter with the 50/20/30 rule
	What happens to my super when I die?
	DGP by country since 1800
	Tax-deductible super contributions explained
	Share market falls - seven things for investors to keep in mind
	Vaccination rates (Dose)
	Understanding insurance in your super
	How can refinancing your home loan save you money?
	2022 - a list of lists regarding the macro investment outlook
	Review of 2021, outlook for 2022
	Bull vs Bear
	How to save for retirement at every age
	Five ways you can start to bridge the super gender gap today
	5 money mistakes to avoid if you’re going guarantor
	Our 2021 Advent Calendar.
	How does a transition to retirement pension work?
	Asian Economies (1960 - 2020)
	The longer-term legacy of coronavirus
	What you should know about creating your will and estate plan
	What info is on my credit report and why does it matter?
	The worry list for shares - how worrying are they?
	Types of retirement pensions explained
	7 ways to stay active and healthy in retirement
	There’s an investor in all of us - and most of us already invest in one way or another
	World's most productive countries
	Why is Australian housing so expensive and what can be done to improve housing affordability?
	COVID relief continues for retirees
	Greenhouse gas emission by country since 1880
	How does the First Home Super Saver Scheme (FHSSS) work?
	Spouse super contributions - what are the benefits?
	China’s growth slowdown and regulatory crackdown
	Lockdowns and mental health
	Salary sacrificing into super - how it works
	Super bring-forward rules now apply to more people
	The work test and work test exemption explained
	Coronavirus continues to cause havoc globally and in Australia
	Five ways to turn down the noise and stay focused as an investor
	Considerations for different retirement living options
	Videos and other resources for our clients
	Keeping your super on track during a career break
	Your guide to the super guarantee (SG) and rate changes
	The never-ending coronavirus pandemic
	Can I go back to work if I’ve already accessed my super?
	2020-21 saw investment returns rebound
	Tax Time Checklists - Super Funds; Individuals; and Company, Trust, Partnership
	What is capital gains tax and when might I have to pay it?
	6 steps to help you feel more positive about your finances
	End of year (EOY) financial strategies
	The 2021-22 Australian Budget - Analysis
	Videos to help understand financial planning topics.
	Investing on behalf of your kids
	Super contribution caps are going up from 1 July 2021
	Protecting your loved ones
	Federal Budget 2021 - Overview
	Building a more secure and resilient Australia
	Federal Budget 2021 - Health
	The return of geopolitical risk? - what to watch over the remainder of 2021
	Relationship break-up entitlements when you're in a de facto
	What do you need to think about when deciding when to retire?
	6 steps to building good financial habits
	RBA on hold and likely to remain easy for a long while yet as full employment gets more of a look in
	More Aussies look to buy property and refinance
	A new crypto world is emerging - the non-fungible token
	Saving for your child's future
	5 tips for creating your own good fortune this Lunar New Year
	A broad range of Calculators.
	Shares have had a very strong rebound since March last year so where are we in the investment cycle?
	ATO Small Business Newsroom
	Many in the dark about retirement
	Transfer balance cap set to increase to $1.7 million
	How to rebuild your super after a COVID-19 withdrawal
	Financial wellness in 2020 - how did yours compare?
	The global economy and investment markets this year
	ASIC sounds warning around high-yield bond scams
	Is $1m enough to retire?
	How much super should I have at my age?
	Tips for parents who became the bank of mum and dad
	How to 2020-proof your finances
	Vaccination rates as they happen around the world
	2021 - a list of lists regarding the macro investment outlook
	2020 - the year that united us
	Videos and other resources for our clients
	How to review your direct debits and save
	Majority of working Aussies to benefit from personal income tax cuts
	2020 is coming to an end. Phew!!
	Review of 2020, outlook for 2021
	The right times for financial advice
	Is your home loan still right for you?
	3 golden rules that make saving for retirement easier
	How to budget for your social life in retirement
	Still The Lucky Country
	Comprehensive list of COVID-19 initiatives and packages.
	Understanding the Age Pension income and assets test
	Considerations when downsizing your home
	Ways to help reduce your debts before you retire
	How to identify (and beat) your spending triggers
	Budget 2020 - A very comprehensive break down.
	Budget 2020 - Fact Sheets
	Budget 2020 - At a Glance, Overview, Outlook
	JobKeeper extension – changes implemented
	Australia's "eye popping" budget deficit and public debt blow out
	The economics of COVID-19 lockdowns
	How mindfulness can improve the way we work
	Taking control of your personal finances in a COVID-19 world
	September update of latest COVID-19 initiatives.
	Seven reasons why the trend in shares will likely remain up, albeit with bumps along the way
	Market outlook Q&A
	Changes to super contribution rules for over 65s
	COVID-19: How long may your super savings take to recover?
	Boost your super in the lead up to retirement
	4 ways to help prepare your finances for a recession
	JobKeeper - Latest Update
	The fiscal cliff is more likely to be a fiscal slope
	Australian economic and fiscal update
	Protect yourself from COVID-19 related scams
	The economic hangover of COVID-19: how long will it last?
	How to rebuild your super after a COVID-19 withdrawal
	Market update - July 2020
	Investment options and retirement
	Extra Tools & Resources for our clients.
	The Australian economy and recovery from COVID-19
	Digital payments and online banking for older Aussies
	The coming surge in Australia's budget deficit and public debt due to coronavirus
	10 medium to longer-term implications from the coronavirus shock
	Thinking about insurance ahead of retirement
	Gifting and financial generosity during coronavirus
	Diversification - why it matters now more than ever
	The value of financial advice
	Our Website, your resources
	Light at the end of the coronavirus tunnel
	Market update
	Changes to pension drawdown and deeming rates
	Preserving retirement saving during COVID-19
	How investment market volatility could affect your super
	COVID-19: Early Childhood Education and Care Relief Package
	The coronavirus pandemic and the economy – a Q&A from an investment perspective
	Money challenges women face
	Data so large it's hard to comprehend.
	Is coronavirus driving a recession, depression or an economic hit like no other?
	Holding your nerve – why retirees fear a market plunge
	Historic $130bn wage subsidy to cover 6 million workers
	Stage 2 – Covid-19 stimulus package.
	Covid-19 Update - Small Business
	PM launches $17.6 billion virus stimulus plan
	The plunge in shares – seven things investors need to keep in mind
	Three reasons why low inflation is good for shares and property
	Can refinancing my home loan save me money?
	Expected GDP by country 2010 to 2100
	Super investment options – what’s right for you?
	Life beyond work
	Statistical picture of Australia - Update
	A resource hub for our clients.
	Market Update
	Real Time World Population Growth - Wow!!
	Dividends explained
	Start 2020 with a best snapshot of Australia.
	5 tips for green investing
	Make Australians save again
	Bushfires and the Australian economy
	Grow your super in the new year
	Australia by the Numbers
	How to create realistic goals…… and stick to them.
	5 days to get your finances in order
	Our Advent calendar for 2019
	5 reasons why I’m not so fussed about the global outlook
	Superannuation changes
	You'll be the life of the party when armed with this information!
	7 tips to improve your financial wellness
	Rebooting for retirement
	5 reasons why the A$ may be close to the bottom
	Resist today, relax tomorrow
	Market Update 30 September 2019
	How much superannuation is enough?
	All Australia's vital statistics - October 2019
	6 new financial videos
	Boost savings with compound interest
	High times for low interest rates
	Market Update - September 2019
	Will the world slip up on oil again?
	Australia by the numbers - September 2019
	Spending money in a cashless world
	Dealing with being cash poor and asset rich
	Saving for a rainy day
	Market update
	Access to more resources and tools than most websites.
	Nine reasons why recession remains unlikely in Australia
	Can I go back to work if I’ve accessed my super?
	How's Australia doing statistically?
	Protecting your super package.
	Making the most of record-low interest rates.
	Market Update 2019
	How the top 10 global companies have changes since 1998
	The longest US economic expansion ever
	When can I access my super
	Australia by numbers – Update
	How to retire early
	How to play catch up with your Super
	Inflation undershoots in Australia
	9 money mistakes to avoid in retirement
	What a financial planner does to help.
	Australia's vital statistics.
	What kind of money parent are you?
	How to save money
	Federal Budget 2019 - Overview
	How the 2019 Federal Budget affects you
	New Global growth slowing, plunging bond yields & inverted yield curves
	Women and Money
	Market Update - March 2019
	The problem with getting to 53 years of age.
	How to avoid a travel debt hangover
	Things to avoid as a newbie investor
	Budget Time - How's Australia going?
	Most older Aussies prefer home care over a nursing home
	Why growth in China is unlikely to slow too far
	10 money conversations to have when your relationship heats up
	Australia slides into a 'per capita recession'
	6 steps to get your money stuff together
	All you need to know about how Australia is going.
	Australian housing downturn Q&A
	6 ways to reduce your credit card debt once and for all
	5 life insurance questions you've always wanted to ask
	2019 a list of lists - regarding the macro investment outlook
	Part 4 - The major benefit of ‘behavioural coaching'
	How to adult—a quick guide to personal finances in your 20s
	How Australia is performing.
	The Australian economy in 2019
	Holiday budgeting tips— How to avoid a travel debt hangover
	Australia - a comprehensive run-down of our vital statistics.
	The Fed and market turmoil - the Fed turns a bit dovish but not enough (yet)
	12 ways to avoid waste this Christmas
	Rising US interest rates, trade wars, the US midterm election results, etc
	Our Advent calendar for 2018
	Responsible and ethical investing
	What are the 3 biggest living expenses for households?
	Your Adviser and Behavioural Coaching
	Stop!! Don't do a paper Budget, use our online budgeting tools instead.
	Information needed to be the BBQ expert.
	Would you like to retire by 40?
	The property cycle and the economy
	How financial advice helps create wealth.
	7 money personalities you may identify with or want to avoid
	Are shares expensive?
	How's Australia doing statistically?
	Super investment options – what’s right for you?
	Here's how to lead a happier life
	What happened to all the worries about rising inflation and bond yields? Goldilocks, tariffs, Turkey & other things
	Is it better to buy an investment property or home first?
	Nine keys to successful investing
	This information will turn you into a fireside expert.
	How Australians will use their tax return
	Lessons from the blue zones: secrets of a long life
	Trumponomics and investment markets
	Tools for budgeting, cash flow, Super and more ….
	How tax deductible personal super contributions work
	How much super should I have at my age?
	The rise of the gig economy and side gigs (thanks to technology)
	Statistics for all Australians
	Watch out for tax scams
	Now’s the time for tax planning
	After the Australian household debt and east coast housing booms
	Why it pays to contribute to your partner's super
	Australia by numbers – Update
	How to deal with financial stress – nearly 1 in 3 affected
	Federal Budget 2018 – Overview
	Your Budget
	4 components of our 2018 Federal Budget
	US China trade war fears – Q & A
	Tools to help you manage your financial position are available on our site.
	7 ways to boost your super
	Australians reveal their priority goals
	Australia by numbers – Update
	Your retirement questions answered
	How to make money by turning your unwanted goods into cash
	Our website is really our digital office.
	Bitcoin – is it really for you?
	Spread your money, reduce risk
	Love and money? It’s not about control
	The pullback in shares - seven reasons not to be too concerned
	Australia. All you need to know to be the expert.
	Australian’s love affair with debt - how big is the risk?
	5 ways to keep a cool head in a falling share market
	2018 – a list of lists regarding the macro investment outlook
	Sports lovers enjoy better financial fitness
	Where Australia is at. Our leading indicators.
	The year that was and the year ahead
	Add some extra cash to your New Year
	New year, new financial resolutions
	Our Advent calendar for 2017
	Where are we in the global investment cycle?
	Australia's vital statistics
	12 ways to enjoy summer without spending a fortune
	One in three Aussies travel without protection
	Digital payment options could see you spend more this Christmas
	If you’ve always thought property prices only go up…
	Will Australian house prices crash?
	Where are we in the global investment cycle and what's the risk of a 1987 style crash?
	Money steps for women
	Resources on our site to help you, your family and your friends.
	Australian Dietary Guidelines and healthy eating chart (PDF)
	How to retire, your way
	Prepare for retirement without missing out today
	Be the boss of your cash
	The Australian economy bounces back again
	Should you lend money to family?
	Money mistakes people make in their 50s and 60s
	Australian Dietary Guidelines and healthy eating chart (PDF)
	Eight steps to improved cashflow... and lifestyle
	Powerful Budgeting, cash flow and Super Tools available on our site.
	5 ways Australians will use their tax return this year
	Australia's leading causes of death - ABS
	The threat of war with North Korea
	Six traits of Australians living the dream
	The break higher in the Australian dollar is likely to be limited
	Money can buy you happiness, you’re just spending it wrong
	Key Economic Indicators, 2017 – updated
	Helping your kids buy a home
	From Goldilocks to taper tantrum 2.0
	What’s your debt age?
	Doing a budget is a good idea but ....
	Planning is the key to making it financially
	What to do when you come into money
	Managing your money when you move in together
	Reduce your bills with these household items
	It pays to contribute to your partner's super
	How to cope with losing independence
	Transition to retirement income streams
	The Australian economy hits another rough patch
	Watch out for tax scams
	The three core pillars of this year's budget
	Federal Budget - 2017-18 - Overview
	Federal Budget - 2017-18 - Budget documents
	Make the most of the current super caps
	Five, four, three… it’s not too late to get more in super
	Super changes are coming
	What’s your debt age?
	Australian cash rate on hold
	Super changes this financial year - Dr Shane Oliver - video
	The door is closing on super’s current caps
	Is Donald Trump's honeymoon with investors over?
	Estate planning and why you need a super plan
	What does a comfortable retirement look like?
	Give your career a health check
	Super changes from July 2017
	Changes to the Age Pension assets test
	Keep your money safe over the silly season
	Looking ahead at 2017
	Review of 2016, outlook for 2017 - looking better despite the political noise
	Merry Christmas for 2016, a Happy New Year and a prosperous 2017.
	54.2 million worries
	Five tips for happy healthy ageing
	Thinking about managing your own super?
	Sending more to the tax office than you should?
	Government pulls back on proposed changes to super
	Market Update - What to consider when investing in a low return world
	Stop!! Don't do a paper Budget, use our online budgeting tools instead.
	Oliver's Insight - Megatrends
	Value of Advice
	A growing family doesn't have to blow the budget
	Blinded by optimism
	Thinking about managing your own super?
	The investment outlook - it's not all that bad!
	What’s your biggest obstacle to financial success?
	Ageing Parents
	Should you own the roof over your head?
	Be a senior entrepreneur on your own terms!
	Brexit and other key developments
	Brexit wins
	Commentary on major issues - AMP
	Five money habits for a happy financial year
	Are grandparents giving too much?
	Remember to factor in parental subsidies at tax time
	2016-17 Federal Budget - AMP
	2016 Budget in detail
	How (and why) to talk to your adult children about insurance
	Procrastination: Just do it. Eventually.
	Why Australian property won't collapse
	The Lucky Country holding up pretty well
	Have we reached the bottom?
	The evolution of the Chinese consumer
	Retirement rolls around faster than you think
	Pressed for time?
	Changes to the Age Pension assets test
	Women are building financial intelligence
	Heirlooms no more
	Initial market falls precede stronger returns - Shane Oliver
	What exactly is income protection insurance and do I need it?
	A rough start to the year, which could have further to go
	Aged Care - Changes to Assessment of Rental Income
	A bump in the road, then a new start
	New year, new start – are you ready for retirement?
	Review of 2015, outlook for 2016 - Dr Shane Oliver
	We wish you a Merry Christmas for 2015 and a Happy New Year
	Go easy on the plastic over Christmas
	Resolutions for a wealthy future
	The Australian dollar doing what it normally does - overshoot. Dr Shane Oliver
	How to manage volatility in a low return world
	The Australian economy - more help will be needed. Dr Shane Oliver
	Insurance through my super
	Four tactics to build an investment portfolio
	The demand for global infrastructure
	Help achieve your investment goals with dynamic asset allocation
	The Power of Budgeting
	Jump retirement hurdles with a coach
	Preparing for the time of your life
	A Super Loan for all reasons
	Making a smooth transition
	Australian Government - Budget 2015
	Budget 2015 - some professional opinions
	Achieving a comfortable retirement
	Is off-the-plan on the money?
	Should I take my super as a lump sum or not?
	Do you have a key person in your business?
	Tips for success in a competitive job market
	All you need to know about buying at auction
	To sell or not to sell?
	Saving in a material world

2020 is coming to an end. Phew!!

Some fireworks and a great Advent Calendar to help you celebrate. On behalf of all our staff we wish our clients and their families a Merry Christmas, a Happy New Year and a great holiday period.

Our annual Advent Calendar.

Come back each day and click on the next date for another inspirational quote or poem from some of the greatest writers and poets.

(Please click on the image to open the Advent Calendar and then click on a date)