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Financial Planning
May 23, 2019

9 steps to a better retirement at any age

Simple ways to boost your retirement at any age, even if you're already retired

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April 1, 2019

A reminder to update beneficiary nominations for your super

Updating your nomination of beneficiary for your superannuation fund may not be high on your priority list. But it should be.

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March 12, 2019

Do you know your financial goals?

How well do you know your financial goals? Take the test now.

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February 25, 2019

5 common financial mistakes people make in their 40's

We take a look at five of the most common financial mistakes people make when they’re aged in their 40's.

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February 18, 2019

Financial pearls of wisdom

As we approach retirement some people start to panic a little wondering if they are truly looking forward to the time of their life when they no longer have to work. Instead of worrying, have a read of the following tips.

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February 6, 2019

Life can change in an instant

We take a look at the long-term after effects of underinsurance. It not only details the financial consequences but the impacts on the health and social welfare of those left behind when the key breadwinner dies.

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February 1, 2019

How debt consolidation can transform your finances

Credit cards are now a major source of personal financial debt in Australia. A recent report issued by ASIC indicated that one in six Australians are struggling under a mountain of debt that might never be repaid.

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January 31, 2019

10 common financial mistakes before retirement

Many of us would like to think that ‘older’ means ‘wiser’, but when it comes to money that isn’t always the case. We highlight 10 common mistakes people make as they get closer to retirement.

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January 28, 2019

Make this year a financially healthy one

Another year is over - how was it for you? Did you achieve everything you’d hoped? We’ve put together a short guide to get you started and plan for the year ahead, a quarter at a time.

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January 14, 2019

The business of farming

There is a need for Australian primary producers to view their farm as a business, where strategic planning and professional support play crucial parts in building a successful and sustainable business.

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January 11, 2019

Wealth protection through the ages

Insurance plays an important role in any wealth creation and management strategy. There is little point in accumulating wealth if you don’t protect it, or yourself, from unforeseen risks that can undermine the best made plans.

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January 10, 2019

Not ready to retire? This might be another option

If you’re close to reaching your preservation age you will soon have access to your superannuation. An increasing number of people at this stage are taking control of their finances and buying themselves a new later-life career.

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December 23, 2018

What is classed as a contribution to super?

We all want to retire with as much money as possible but there are limits on how much we can contribute into our superannuation funds and if we exceed them it can be painful.

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December 20, 2018

Be different today so you can be different tomorrow

Every generation thinks life will be different – and of course, each one is right - but when it comes to planning for the future, while we’re young we have a habit of thinking there is still plenty of time.

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December 14, 2018

When is a good time to retire?

We take a look at the 3 different options for funding "retirement" – age pension, non-super savings and superannuation.

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December 10, 2018

“Tap and go” and then what?

It is commonly reported in the press that Australians are suffering under growing levels of personal debt. With the growing use of the easy “tap and go” technology it may look like it can only get worse.

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November 30, 2018

4 good places to stash your cash

If there is a good chance you will receive a tax refund this year or by being thrifty you have accumulated some extra cash in your everyday account, try to contain the temptation to splurge or celebrate; instead make it work harder for you.

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November 16, 2018

Time to cool off

Have you ever awoken the morning after signing a contract for something and thought “Oh, no! What have I done?” Well, it may not be the end of the world. If the contract contains a cooling-off period, you probably have a way out of it.

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November 12, 2018

8 ways to help kids with their money

Attitudes and activities are changing much earlier than in previous generations, so, for the sake of their future well-being, it’s important to introduce your children to the intricacies of money management from an early age.

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October 26, 2018

Baby Budgeting

Welcoming a new family member is exciting but with so many aspects of your life changing, when it comes to your finances some forward planning can make the transition so much easier.

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October 15, 2018

An important conversation

Older people tend to be very private around subjects like their finances, estate planning and aged care, etc. This article provides information around what you should be discussing with an elderly relative, and how to open a two-way conversation that puts everyone’s mind at rest.

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October 8, 2018

Have a plan - just in case

It’s an old saying but it will be forever true – “the only constant in life is change”. Whether it’s due to economic downturns, new technology or extreme weather disasters; no business, job or career will ever stay the same.

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October 7, 2018

Making your money work harder

Long-term savings plan, online savings accounts and fixed term deposits will not generate much growth. Managed funds, can have a higher potential to surpass cash and fixed term investments.

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September 13, 2018

It’s never too early to start

When teaching your children to manage their money you are helping your kids grow into financially savvy adults. You might even learn something about your own money habits along the way.

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August 27, 2018

4 ways to manage uni and money

Going to university should be a time of excitement, learning and independence. For too many students, money problems get in the way leaving them financially burdened for years to come. This article explores suggestions for planning and budgeting that can be the difference between getting by and getting ahead.

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August 14, 2018

Design your own super adventure

Superannuation funds allow members a level of choice in relation to how the money is invested, which means it can be up to you to create what your retirement adventure might look like.

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August 14, 2018

Take advantage of NOW!

Many young people in the X and Y Generations are earning excellent incomes but have little savings, excessive debt and consider the future too distant to be of concern.

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August 7, 2018

3 ways to give your kids a head start

We explore how to give your kids a head start from a few different angles, depending on how you wish to help them.

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July 13, 2018

Preparing for tomorrow

Imagine you were no longer able to look after your financial affairs, or, less dramatically, simply found it an increasing burden to manage your money. How easy would it be for a trusted family member to step in and help you?

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June 15, 2018

Why Australian interest rates could stay low for decades… and what that means for your investments

Many investors fear the impact of a return to interest rates of 5%, 6% or even 7%pa that were considered normal just a few years ago. They worry about the impact on share and property markets, they worry about locking fixed rate term deposits and annuities and missing out on the big rate rises to come.

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June 8, 2018

Super in your 60s. It’s still not too late!

For most Australians, their 60s is the decade that marks retirement. For some this means a graceful slide into a fulfilling life of leisure, enjoying the fruits of a lifetime of hard work. However, for many it means a substantial drop in income and living standards. So how can you make the most of the last few years of work before taking that big step into retirement?

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May 11, 2018

The Importance of Estate Planning within Blended Families

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May 4, 2018

Don't Let This Happen to Your and Your Family

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May 4, 2018

The secret to ‘living the dream’

We all, to a greater or lesser extent, have an idea of our dream lifestyle. So how, as a nation, are we faring? To find out, the Financial Planning Association of Australia (FPA) commissioned a survey of more than 2,600 people from around the country. The resulting Live the Dream report provides an insight into the extent to which we are collectively living our dream life and, more importantly, reveals key habits and characteristics of those who are already doing so.

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April 27, 2018

Debunking the myths around tax-paid 'investment bonds'

An investment bond is a managed investment, usually operated by an insurance company or friendly society, where your money is pooled with money from other investors and invested in the investment options each investor chooses.

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April 27, 2018

Warning for SMSF trustees: New super pension cap of $1.6m now in place

The maximum amount of superannuation that can be used to fund a tax-free pension in retirement is now restricted to a cap of $1.6 million per member.

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April 27, 2018

Australians at higher risk this year of being penalised for exceeding superannuation contribution limits

Changes to the superannuation rules in effect for the 2017/18 financial year are designed to further limit the amount of money Australians can contribute to the tax advantaged superannuation system.

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January 22, 2019

Why most adults should consider appointing an 'enduring attorney' to safeguard their finances

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April 27, 2018

2018 has seen sharemarket volatility return. Be alert - not alarmed – as the prospect for global sharemarkets remains positive.

Sharemarkets, so far in 2018, are providing a contrast to the robust returns enjoyed by investors in 2017.

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April 6, 2018

You’ve paid off your mortgage! Now what?

Paid off your mortgage? Woo-hoo! Break out the champagne and celebrate the freedom you must now feel! But once the dizzy excitement has passed, what will you do next?

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March 2, 2018

Does money bring happiness?

The short answer is ‘yes’, but only up to a point. People in richer countries are, collectively, happier than people in poor countries. Within countries, people with higher incomes are generally happier than people on low incomes. Surprisingly, once basic living needs are met, the amount of happiness gained from each additional dollar of income rapidly declines.

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February 22, 2018

Get on Top of Debt

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December 1, 2017

Australian banks still worthy of a place in most portfolios… despite what some commentators say

Barring disasters, the banks should produce returns of the order of 10% per annum over the next decade. With a yield of 8% including franking credits, we need just 2% per annum growth to get us to a 10% per annum total return. Even if we get no growth in earnings, an 8% per annum return means that banks will be worth a place in most portfolios - barring disasters.

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November 30, 2017

A Reminder to Update Beneficiary Nominations for Your Super

When major life events occur in your life, such as divorce or starting/ending a de facto relationship, updating your nomination of beneficiary for your superannuation fund may not be high on your priority list.

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November 8, 2017

Think it's too hard to sort your super? Think again!

If you have ever changed jobs, addresses or lived overseas, then it’s possible that you have lost track of one or more of your funds at some stage. Different employers often have different funds of choice when you have not personally nominated which fund want your Superannuation to be paid into, so it’s easy to end up with several accounts - especially if you move around a lot.

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August 16, 2017

How having no will, or an invalid will, can cause unintended problems for your loved ones.

A commonly held myth about wills is that if you do not have one, all your estate goes to the government. While that is not quite true, the reality may still surprise many.

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June 5, 2017

A quick glance at how the new superannuation rules could affect you.

The recent changes to the superannuation rules are designed to further limit the amount of money Australians can keep in the tax advantaged superannuation system. So, where does that leave you for your superannuation planning for this financial year? Here’s a brief summary of the key issues:

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May 1, 2017

How much money are you placing at risk by not insuring your ability to earn an income?

Not many people risk being uninsured when it comes to their car or home. But many choose to not insure their most valuable asset – that is, their ability to earn an income.

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April 3, 2017

Keys To Success When Investing in The Australian Sharemarket - Webinar

This 5-minute webinar discusses why the long term outlook for the Australian sharemarket is generally positive, though a key to success will be selective investing. We hope you enjoy the webinar.

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March 6, 2017

Michelle Roberts Presents at Chocolate and Kale - Sunday 19th March

This unique event brings together 6 passionate practitioners who are experts in their field and aims to inspire and educate women to invest in their health and well being. Our Advisor, Michelle Roberts will be speaking about the importance of women protecting their significant contributions and their families.

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February 5, 2017

30 years in Australian and global shares

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December 20, 2016

Have you Over Indulged At Christmas?

Christmas advertising sees us inundated with things to buy for our loved ones. There’s toys and games for the kids, perfume & lingerie for the ladies, or hardware toys for the boys.

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November 8, 2016

Can You Have More Than One Life Insurance Policy?

A question I am frequently asked is “Can you have more than one life insurance policy?”. The answer is yes - you can, and most people inadvertently do have multiple policies if you have more than one super fund.

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October 24, 2016

Do you need to rethink your Estate Plan?

Here are 27 points to consider when deciding if its time to re-assess your estate plan.

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October 24, 2016

Do you have adequate Trauma Insurance?

Cancer is unfortunately the most prevalent trauma condition in today’s times. When selecting adequate trauma insurance, medical expenses should be a significant component – but do you know the true financial cost of cancer?

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October 10, 2016

Michelle Roberts wins Best Small Practice of the Year Award for 2016

Ms Michelle Roberts* has won the prestigious Australian Unity Best Practice Small Practice of the Year award for 2016.

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September 26, 2016

Investment Markets Update

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September 19, 2016

Zombie Apocalypse Insurance? Unusual insurance policies you never knew existed.

Did you know there is insurance available to protect you in the event of a zombie apocalypse, or alien abduction? Or that pregnant women can insure against the possibility of having twins, triplets, quads or quintuplets?

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September 5, 2016

Business Estate Planning and why YOUR business NEEDS it!

Business estate planning is the process of arranging your business affairs now to help ensure there is no unnecessary deterioration or loss of continuity in your business - appropriate business estate planning reduces risk.

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August 19, 2016

Has it really been 26 years without a recession in Australia? Or is it only two?

How long is it since Australia had a recession? Most would say 26 years. That’s close to a world record! But, there are different ways of determining when we are in recession. In Australia, we use the simplest benchmark – a recession is when we have had two consecutive quarters of negative real GDP growth. In the US, a more complex process is used where a committee of economists consider a range of data before declaring – normally six months after the fact – whether or not the country is in recession.

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August 15, 2016

Do you have enough life insurance?

Research shows that Australian families have only 38% of the life insurance cover they need. If something unexpected happened and you could no longer financially support your family, it would be comforting to know that your life insurance would provide for you. But recent research from Rice Warner suggests that wouldn’t be the case for most families.

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August 17, 2016

How long will your savings last in retirement?

Retirement calculator - how much do i need? Use this chart to roughly work out the life expectancy of your retirement savings and read about various strategies to help you stretch the life expectancy of your retirement savings.

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May 11, 2016

Why ‘short-termism’ is hard-wired in investors

Here is the latest edition of ‘Financial Insights’ which discusses why ‘short-termism’ is hard-wired in investors, and why it’s bad for your wealth.

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April 20, 2016

“Thank you to my clients for the vote of confidence!”

Michelle Roberts extends a big thank you to her Financial Planning clients, after receiving excellent feedback on a recent survey.

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May 19, 2015

An Introduction to Borrowing Through a SMSF

There’s a lot of noise in the market place at the moment about Self Managed Super Funds (SMSFs). Back in the day, we weren’t allowed to borrow within SMSFs for investments like property or shares. But since 2007, all this has changed. Today we are able to borrow to purchase both commercial and residential property as well as a range of other assets.

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