Blog
The blog for people who want to understand their finances better and feel more in control of their money.
This blog is for educational purposes only and contains general information. It does not take into account your personal objectives, financial situation or needs. Before acting on any information, you should consider whether it is appropriate for your circumstances. If you would like advice tailored to your situation, you can book an appointment with one of our financial advisers here.
Negative Gearing Changes: Is Property Still the Best Way to Build Wealth?
If negative gearing changes make existing residential property less attractive, investors may need to rethink the old property playbook. Here’s what to consider before making your next move.
Get Retirement Ready: How to Avoid Costly Surprises After You Retire
One year from retirement, the focus shifts from planning in theory to making sure everything is ready. This article covers retirement income, cash buffers, goals and how to prepare for your first year after work.
Your EOFY Checklist: Smart Moves to Make Now That Could Reduce Your Tax and Boost Your Super
EOFY is not just about receipts and tax returns. This episode covers the key checks to make before June 30, from super contributions and tax deductions to SMSFs, investments, family trusts and business obligations.
Get Retirement Ready: The 5 Things to Get Right Before You Retire
Five years from retirement, the planning starts to get real. This article explains what to focus on now, from spending goals and sequencing risk to super contributions, housing decisions and life after work.
Get Retirement Ready: Should You Pay Off the Mortgage or Boost Your Super?
Around 10 years from retirement, the choices you make now can have a big impact. Here’s what to consider with super, mortgage debt, investments, insurance and the life you want next.
Post-Divorce Financial Roadmap
Divorce can force a major financial reset. This roadmap walks through the key steps to rebuild after separation, from goals and housing to cash flow, estate planning and insurance.
How to Retire Earlier: The 5 Levers Australians Can Pull
Retiring earlier is not about hoping for a windfall. It comes down to the right levers, from super contributions and spending choices to investment risk, home equity and part-time work.
The 10 Year Wealth test: Are You on Track for 2036?
A lot can change in 10 years, especially with the right plan. This article shows how to check where you stand now, define what you want next, and turn your money goals into a clear 10-year roadmap.
When Do We Sell Our Investment Properties — Retirement Edition
An investment property that worked during your wealth-building years may not be the right fit in retirement. This article looks at when selling could improve cash flow, reduce stress and support your retirement lifestyle
The Biggest Financial Mistake People Make in Their 40s and 50s
Your 40s and 50s can be make-or-break years for your money. This article explains why coasting financially can be costly, and what to do instead while time is still on your side.
How To Get $100k Per Year In Retirement – Tax Free
A tax-free $100,000 retirement income sounds ambitious, but Australia’s super rules can make it possible with the right balance, pension phase strategy and planning.
Should I Convert My Super to a Pension?
Should you convert your super to a pension as soon as you retire or turn 65? Often, yes. But there are situations where leaving some or all of it in accumulation may make more sense.
The Link Between Interest Rates and the Stock Market
Interest rates do more than change your mortgage repayments or savings returns. They can also shape business profits, investor behaviour, and what happens in the stock market.
Home Deposit Help: Supporting Your Kids Without Risking Your Retirement
Helping your kids buy a home can be generous and risky. Here are the main ways to help with a deposit, from gifting to loans, guarantor support and co-buying, without putting your own retirement at risk.
What is a “Good” Return for my Super and Investments?
A good investment return depends on your risk level, time frame and expectations. This article explains what realistic returns can look like for super and investments, and why chasing more can backfire.
Australia vs France: Lessons in Debt, Taxes, and Retirement
A trip to France gave me a fresh appreciation for Australia’s economic position. From government debt to superannuation, here’s why we may be better placed than we realise.
The Downsizer Strategy
Around 10 years from retirement, the choices you make now can have a big impact. Here’s what to consider with super, mortgage debt, investments, insurance and the life you want next.
What is a Wrap and When do they Make Sense?
Wrap accounts can be useful, but they are not automatically better than a mainstream super fund. Here’s what a wrap is, when it may make sense, and when you should ask more questions.
How Much Super Do I Need?
How much super you need depends on the retirement you actually want. Start with your spending, then factor in when you retire, how you invest, and whether you want to leave money behind.
Is it Time to Use the Equity in your Home to Build Wealth?
Using home equity to invest can accelerate wealth creation, but it also increases risk. Here are four things to weigh up before borrowing against your home to build wealth.