Financial Planning articles
How the New Stage 3 Tax Cuts Affect Investment and Income Strategies for HNW Australians
From 1 July 2024, the long-discussed Stage 3 tax cuts finally come into effect. However, in early 2024 the Federal Government revised the original plan — shifting more of the benefit towards middle-income earners and reducing the gains for high-income Australians.
For individuals with net wealth between...
Private Credit, Infrastructure, and Other Alternative Asset Classes Explained
???? Introduction: Why Look Beyond Shares and Property?
For Australians with significant wealth — especially those already well exposed to equities, cash and residential property — alternative investments are increasingly attractive.
These “alternatives” can improve portfolio diversification, offer more predictable...
Title: Does Buying Through a Trust or Company Affect Your Borrowing Capacity?
Are we ready for kids financially?
There’s no exact dollar figure that signals you’re ready for children — but financial preparedness can significantly reduce stress and help you focus on what matters most: your growing family.
? Planning for Parental Leave
Whether one or both parents plan to take time...
Top 10 Questions People in Their 30s Ask Financial Planners (And What They Really Mean)
Your 30s are often the decade of financial awakening. You’re earning more, possibly starting a family, and beginning to think seriously about the future. Here are the top questions financial planners hear from 30-somethings — and why they matter.
1. "Am I...
Top Questions People in Their 20s Ask a Financial Advisor
Introduction
Your 20s are all about firsts—first job, first paycheque, maybe your first car or even your first investment. It’s also the perfect time to start building a strong financial foundation. But where do you start? We’ve compiled the most common questions young Australians ask financial advisors...
What Could Happen If the RBA Cuts Rates Three Times in 2025?
Introduction
With inflation easing and consumer spending slowing, the Reserve Bank of Australia (RBA) may be poised to shift gears. Market speculation is growing around the possibility of up to three rate cuts in 2025. If that scenario unfolds, what could...
Navigating Financial Challenges Amid Rising Inflation and Interest Rates
Australia is facing ongoing financial pressures due to rising inflation and interest rates, affecting households, businesses, and investors. Inflation peaked at 8.4% in December 2022, leading the Reserve Bank of Australia (RBA) to respond with twelve consecutive interest rate hikes, bringing the...
The Impact of Consecutive Budget Surpluses on Australia’s Economic Landscape
Australians must adapt their financial strategies to weather the evolving economic landscape, making informed decisions to protect their wealth and financial...
Investing in Miners in 2025: Opportunities and Risks
The mining sector remains a cornerstone of the Australian economy, and 2025 presents both opportunities and risks for investors looking to capitalise on this industry. With strong global demand for critical minerals, ongoing technological advancements, and shifting economic conditions, investing in miners requires a strategic approach.