Financial Planning articles

Answering the Question Everyone wants to know – How much do I need to Retire?

Mar 18, 2015

Without a doubt the most common question regarding retirement that financial advisors are asked by their clients is “How much do I need to retire?” In a utopian world the financial advisor will be able to type some numbers into a spreadsheet and...

Upcoming changes to superannuation caps and contributions

Jun 25, 2014

From July 1st 2014 the Australian government will increase minimum employer super contributions from 9.25% to 9.50%. This increases is part of a long term restructure of superannuation contribution which will see rates frozen at 9.50% until 30th the June 2018 and a 0.5 percentage...

Where we’re buying investment property in Sydney

Jun 23, 2014

Property prices in Sydney have risen almost 20% over the 12 months in Sydney so it's getting harder and harder to purchase good investment property at a reasonable price.

The other issue is that prices of property have been rising faster than rents have and thus...

End-of-month-pay struggle or the importance of budgeting

Jun 16, 2014

According to the latest ING Direct Household Financial Wellbeing Index, two in three Australian households are short of cash between pays and one in three need to use credit cards to compensate this gap. Further, almost half of the households feel that an extra $300 extra would be needed to be...

2014 Budget summary

May 14, 2014

In every decade there is one budget that ends up being a game-changer in Australia. The Budgets of 1988 (return to surplus), 1996 (spending reductions), 2000 (GST) were strategies that permanently altered the economic dynamics of the Australian economy. This years Budget is likely to join this list, as it facilitates...

Getting ready to retire starts now!

Mar 31, 2014

When you approach retirement, you begin to think about what you will do with all your free time. Go on holidays, tick boxes on your bucket list, learn to play an instrument because you never found the time before, or maybe keep working as you need to maintain...

Why should you get a financial adviser?

Mar 06, 2014

Most of people will think about getting a financial adviser if they have money to invest or worried about retirement. Further, many will be scared by the fees or by handling their future money to one person.

However, this is only the top of the iceberg. A...

Renovations on property in super / dual income property

Feb 17, 2014

The laws changed in 2011 and you are now able to renovate and improve property inside of a self-managed super fund (SMSF) where a loan is used to assist in purchasing the property. Previously, you were unable to easily improve or renovate property in SMSF with a loan. Although SMSF trustees are...

Things to thing about when thinking about investing in property

Feb 05, 2014

The Sydney property market rose by 14.5% in 2013 and the average growth for all capital cities in Australia was 10%. Over the past 2 years we have seen an increase in interest in direct property investment from our clients and it has been enjoyable working through the challenges of purchasing...

Why get life insurances? Spend a few minutes and find out why it’s so important

Oct 09, 2013

Below are a few clips on the importance of holding life insurances. The Australian Government requires that all employees must contribute 9.25% of their incomes into a superannuation account which is in place to help provide financial security and independence in retirement. But what about protecting your financial security between now...

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