Ensuring your voice is heard – Please get a will!
When you’re here to supervise your worldly affairs, your voice, which reflects your current views, is heard, and more often than not, heeded. But when you’re not here, what voice will be heard? Will it be your most recent voice; an old voice from several years ago; or...
read moreDoes the value of the Aussie dollar affect you?
You might think that only importers and exporters pay attention to the value of the Aussie dollar, but movements in the exchange rate affect us all. After peaking at US$0.81 in late January 2018 the Australian dollar fell as low as US$0.70 in October. It also fell...
read moreGenerational risk management
Personal risk management is a critical foundation stone of any financial plan. We also feel it can be a necessary evil where you need to ensure you are actually getting the cover you need and you waste as little money as possible, whilst at the same time appropriately...
read more7 ways to invest in your future
One fact of life is certain, we don’t stay young forever. As we grow older, everyday tasks can become tiresome; we suffer inevitable aches and pains and often have difficulty remembering things. But the ageing process should be seen as a privilege. We have retirement...
read moreMoney and love: how to make it work
Are you and your partner financially compatible? A marriage between a saver and a spender comes with its problems, but nothing true love can’t overcome – right? According to the Australian Institute of Family Studies (AIFS), household finances are among the main...
read moreHow important is money to your wellbeing?
Having more money should make us happier right? According to a number of different research reports, feeling good about life comes from a feeling of control over your finances, rather than how much money you have. The wellbeing formula for Australians After...
read moreTo gift or not to gift? What about your pension?
With Australia’s age pension being subject to an assets and income test, a simple way for part-pensioners to increase their pension payments is to give away some assets. Not surprisingly the government is on to such an obvious strategy. It’s called gifting, and while...
read moreAn important conversation
None of us likes to consider our own mortality. For our older loved ones, it’s an even more confronting topic and difficult to discuss. When Charles became ill, his family’s priority was to support him through his treatment, and keep him positive and as comfortable as...
read moreDementia Awareness Month
Did you know that dementia is now the second leading cause of death in Australia, and is the leading cause of death for women? Become involved in Dementia Awareness Month. Dementia is not just one illness, but rather is described by Dementia Australia as the...
read moreEarly access to super
We all know that our superannuation is there to provide for our financial needs in retirement. That means we can’t usually access our super until we reach preservation age and meet a condition of release. Preservation age is between 55 and 60, depending on date of...
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