Independent financial advisor
What not to get Someone for their Next Birthday Present

What (not) to get Someone for their Next Birthday Present

If you are looking for a gift this coming summer, here is a present we do not suggest: a wallet or a purse. One day soon, carrying physical money will be a very unusual thing to do.
Half of Everything is Housing

Half of Everything is Housing

This week we came across an interesting little read from Fidelity International, an international fund manager. Their article examined the composition of Australian household wealth as of the end of 2020, which is about as recent as the data gets when it comes to this kind of thing.

The National Disability Insurance Scheme

The National Disability Insurance Scheme, or NDIS is an insurance scheme that funds supports to people with a permanent disability. The idea is that those supports work to reduce or remove things that disable a person. It is currently helping almost 450,000 people, so it affects a lot of us either directly or indirectly.
Preparing for Your Children's Financial Future

Preparing for Your Children’s Financial Future

Most parents worry about providing for their kids’ future. The specific way in which you save for your kids’ future might vary, but the essential principle is the same: the best way to help your kids is simply to maximise your own wealth.

Pensions Loan Scheme

This week, we want to explore the concept or borrowing in retirement a little more fully by looking at a unique way of doing so – the Commonwealth Government’s Pension Loan Scheme.

What Can You Do When Your Wealth Is Not Cash?

In recent articles we've explored the personal and general reasons why many Australians choose not to sell their family home as they move into and through retirement. In this article, we look at ways that make keeping a family home easier once you stop working.

Why More People Do Not Downsize

You will often hear it said that the family home is a tax-free investment. This reflects the fact that there is no capital gains tax paid on your principal residence when you sell it. But capital gains tax is only part of the story. There is more than one way for tax to be incurred, and an often-overlooked tax might be partly the reason for the current boom in house prices.

Let’s Talk About Tax, Baby!

As the financial year draws to an end, there is still time to talk to your tax adviser about minimizing your tax bill for 2020/21. As a way of reminding you, we thought we would spend some time looking at who pays tax in Australia – and how much they earn before doing so!

Dear Abbey

We love reading those ‘Dear Abbey’ type letters to the newspaper. Especially the financial ones. Here is a classic we read recently – and what we would do if this were our client.

General Advice Warning

All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial, legal, credit and/or taxation advice prior to acting on this information.

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