Investment Bonds and your Child’s Education
If you missed our explanatory article on investments bonds you can view it here – What are Investment Bonds? Recent studies have shown that 45% of Australian families will choose to educate their children in a private school, but private school education comes at a […]
Supporting people living with dementia
With almost half a million people living with dementia in Australia, and another 1.6 million people involved in their care, it is likely that we are all impacted in some way. Dementia Action week is an initiative by Dementia Australia to put a spotlight on […]
Income in Retirement – how much is enough?
The ASFA Retirement Standard is released every quarter and benchmarks the living costs for Australians seeking either a modest or a comfortable retirement lifestyle. ASFA describes a modest lifestyle as being quite basic without much money for home maintenance and discretionary spending. There is no […]
Why it pays to review to your cover
Your life insurance is flexible and can be adapted to your changing needs. Make sure you have a cover review with your adviser every 12-18 months to ensure you’re covered for just the right amount, paying the right amount, and getting the best value from […]
Carry-forward unused concessional contributions
One of the questions that has been coming across my desk a lot lately relates to the ability to carry forward the unused portion of a concessional contribution cap. How can you make a significantly larger contribution to super and obtain a much higher tax […]
Inflation
I thought it would be useful to explain the way we think about inflation and your investments as I’m not sure I’ve fully elaborated on this before. So, to start, let’s talk about inflation. Inflation is a relatively simple concept, used to describe the […]
EOFY 2021 – Super Is Worth Considering
As we approach the end of the 2021 financial year, it is important not to forget long term planning for retirement. We would like to highlight some superannuation related issues worth considering. We are here to assist you and if you have questions, or you […]
Turning 31? Avoid paying Lifetime Health Cover
When you are young and healthy it can sometimes be difficult to understand the value private health insurance can play in your life. Once you reach your 30s, life’s goals change. You may be considering starting a family or the knees aren’t holding up like […]
March 2021 Age Pension Review
Am I receiving the correct age pension? Is a question we get asked quite a lot and it all depends on your situation and whether you are full or part pension recipents. The Increases On 20 March 2021 – the Age and Service Pensions were […]
Granny Flat Arrangements – What to consider?
What is a Granny Flat Arrangement (GFR) Granny flat rights are usually informal family arrangements where a client transfers money, assets or the title of his/her home to a family member (or other person) and in exchange, receives either the right to accommodation for life […]