Independent Financial Planning

The benefits of staying invested

Most investors will be familiar with the concept that it is “time in the market, not timing the market” that generates solid longterm returns. But many investors find it hard

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Generational 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

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7 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

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An 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

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Early 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

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Time to review household debt

Fuelled by rising house prices and low interest rates, the level of personal debt in Australia is relatively high compared to many other countries.i The largest proportion of this debt

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