Financial Planning articles

The Alternative to the Age Old Question of Renting vs Buying

Oct 06, 2015

With house prices outpacing wage growth and reaching new highs all across Sydney, many of us are starting to question how great the Australian dream of owning your own home really is and if it is even possible.

However, many force themselves to see...

How To Avoid Land Tax for Properties

Oct 02, 2015

In February of this year, I wrote an article explaining how property investors could completely avoid land tax by using multiple self managed super accounts to assure the total land value of their property portfolio would be spread. Hence, they will never exceed the tax-free threshold.

Why Australian Banks Need to Hold Additional Capital Reserves?

Sep 10, 2015

APRA (Australian Prudential Regulation Authority) had announced that it would raise average risk weightings for property loans by 4% from 16% to 25% from 1st July 2016. The move by the financial and banking regulating authority in Australia will increase capital reserve requirements by an average of about 80 basis...

How a Redraw Facility can Cut Years from Your Homeloan

Apr 18, 2015

A redraw facility is increasingly becoming a standard option on many home loans, yet many families still don't understand exactly what it is and how it works.

Verbatim, a redraw facility is a means to access funds in the form of excess payments made on your...

Stories from our clients: Kaboodle Hampers

Apr 17, 2015

I find it a privilege to work with so many interesting and diverse clients ranging from organic farmers to brain surgeons. We even work with a few retired Accountants who have more colorful stories than one could ever imagine would come out of the mouth of an Accountant.

I...

The Alternative to the Age Old Question of Renting vs Buying

Apr 04, 2015

With house prices outpacing wage growth and reaching new highs all across Sydney many of us are starting to question how great the great Australian dream of owning your own home really is and if it is even possible.

However, many force...

What are Offset Accounts and How can they Save You Money

Apr 01, 2015

Offset accounts are an easy way to shave thousands of dollars off the value of your home loan and can even offer you tax advantages.

An offset account is simply a savings or everyday bank account linked to your mortgage. The...

Everything you need to know about Family Tax Benefits

Mar 21, 2015

Family Tax benefits are a form of welfare payment divided into two categories A and B, both of which aim to assist parents and carers, with the costs of supporting a family and in particular those costs associated with caring for children.

But how do...

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...

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