When planning retirement, some people are faced with the decision about what to do with the Long Service Leave or Annual Leave they have accrued over the years.Read More
To find the answer that’s right for you, the starting point is to recognise that the decision to retire is primarily a lifestyle choice. My belief is that you should firstly focus on how you want to live and then manage your cash flow, investments, and superannuation to suit this.Read More
The share market roller coaster has continued, so I wanted to provide an update to help keep you informed and put all of what is happening in perspective. Here are the key points as I see them nowRead More
When managing your investments, limiting or ideally preventing losses is an important part of the process. However, there are other issues to consider and money can easily be lost by being the victim of online fraud or hacking. Vulnerability increases when traveling as hackers target popular destinations.Read More
In this blog I am going to share some highlights of my recent Japan trip and of Japan in general.
Japan seems to be mainly promoted in terms of the cherry blossoms and as a skiing destination. Whilst these are fantastic features, there is so much more.Read More
Given the share market falls of last week I wanted to let you know my thoughts. Waiting until today has provided an opportunity to see early trading here in Australia and overseas for this week.Read More
At the moment, the share markets indicate that expectations are too high.
In the US, markets have enjoyed an outstanding run. It has been fueled by generous support from the Reserve Bank and a technology boom.Read More
There will be extensive media coverage on the budget so my focus is on those aspects most relevant to my clients.Read More
The Australian housing market is still grabbing plenty of attention. Whether it's affordability for the younger generation, the need for parents to help with funding, oversupply of Melbourne apartments, the strong growth in values over previous years, a tightening of bank lending standards, or the threat of rising interest rates, there is plenty to discuss.Read More
It seems that the number of media articles referring to financial bubbles is increasing at a rate that is in bubble territory itself! Bitcoin is leading the way and so much so that commentary is quickly out of date.Read More
Are we about to repeat the mistakes of the past? Pre and early stages of the GFC we saw many ads for high interest rate products.Read More
An aspiration I see among many of my clients is buying a holiday house near the beach. Having done this myself and helped many people through the process it’s something I am passionate about and really enjoy doing.Read More
You know that your business and personal costs are both rising and you need more business revenue and profit to fund these. It can seem harder to gain more clients with so many people setting up business and competing. Consumers have so much choice.Read More
This is a question I am often asked by my clients. The next question is usually; do you think the Aussie dollar will rise/fall against the Euro/US dollar?
It’s one of those seemingly simple questions, but the answer is so difficult.Read More
So there you are, you’re 20-something child has just landed their first job. Congratulations! You must be so proud. What’s next? They get a credit card of course.Read More
Estimating life expectancy is often ignored, skirted around or not given enough attention in financial planning and calculating how much money you need to meet your lifestyle expenses.Read More
Five weeks into my Italian tour, I was still clueless about the rules for Italian pedestrian crossings. I'd nearly been wiped out twice in Cinque Terra, been honked at in most towns including Taormina and .... even Venice.Read More
Like any relationship in life, both parties have to get something from it. In my 30 years' experience, I have seen how many financial planners operate, most dedicating their whole career to helping their clients reach their goals and aspirations.Read More
To be recognised as a fee-only advisor is something of a holy grail of investment advice. Find out why.Read More
This is without a doubt the question I get asked the most by my clients. Find out my answer.Read More