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Top 10 Savings Tips for 2018

Top 10 Savings Tips for 2018

In the financial planning process, saving money often lacks the attention it deserves. Many people are excited about spending, investing and creating wealth, but the discipline to save can be the difference between long lasting success and losing it all! The following...
How do I choose a financial planner?

How do I choose a financial planner?

Q: I need to talk with someone about my finances. What can I do to make sure I get a good Financial Planner? Choosing a financial planner is different to choosing a new pair of shoes for the weekend, or which brand of football to kick around the park with your kids....

The Secret of Wealth

You have probably both heard the following quotes: “Money doesn’t grow on trees” “Money is the root of all evil” These are well intentioned phrases from well-meaning parents, friends or acquaintances, however for the most part these mindsets are wrong. Anyone old...
Federal Budget 2015-16 | The key takeaways

Federal Budget 2015-16 | The key takeaways

The lead-up to this year’s Federal Budget 2015 /16 was dominated by talk of cutbacks and measures to bring long-term spending growth under control. It seems that the budget was completely different to what was anticipated! What are the key changes and what do they...
Is Property in an SMSF right for me?

Is Property in an SMSF right for me?

Q: I’ve heard people say that buying property in an SMSF is better because of the tax benefits. We don’t have enough savings for a property and I don’t want to miss out on the property market. Do you think an SMSF is right for us? We meet with many families in this...
Can I use my super to buy a home?

Can I use my super to buy a home?

The SIMPLE answer to this question is.. no. But as with most financial matters, the real answer to whether you can purchase a house with your super is, it depends. It all boils down to: The purpose of the property purchase How much you have in your superannuation...
How Does an Offset Account Work?

How Does an Offset Account Work?

An offset account is a super-charged savings account that is attached to a loan account. The primary benefits of having an offset account are to lower the interest you pay and the time you take to pay back a loan. But there are several other benefits of offset...
What Does a Financial Planner Do?

What Does a Financial Planner Do?

You may have a vague idea of what financial planners do. Do you think they help people who have extra income to manage their money and plan for the future? If so, you are correct. However, they serve a much broader population. Even people without a lot of extra income...
What is the Maximum Superannuation Contribution Base?

What is the Maximum Superannuation Contribution Base?

Companies in Australia are responsible for paying into their employee’s superannuation. In the 2016-17 financial year companies need to pay an additional 9.5% pa of each employee’s salary into their nominated super fund. This amount is set to increase steadily to 12%...