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My goal has always been to have an active presence with the families that I work with, offering guidance at every step. That is why I like to keep you up-to-date with the latest financial insights in financial planning, retirement, investment and aged care planning and management.

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Changes to Tax Cuts from 1st July

The Government has passed legislation to amend the tax cuts which apply from 1 July this year. The changes are explained below, along with some things you may wish to think about to help maximise your savings.

The money conversations you need to have

When was the last time you talked about money? You might struggle to remember. Your personal finances or debt position are hardly dinner party material but there are plenty of other reasons we don’t often talk about money.

Make your money work harder – pitfalls to avoid

The expression “a fool and his money are easily parted” is not as relevant today as it once was. These days, scams and fake investment schemes can be very sophisticated and difficult to tell apart from the real deal. That said, there are some key clues to look for to avoid losing your money to a scam.

What to do if you’re 55 and have no retirement plan

Retirement planning is one of those things that often gets pushed to the back burner. When you’re young, it’s easy to convince yourself that retirement is light years away and you’ve got plenty of time to figure it all out. But life has a habit of going by real fast and all of a sudden, you’re 55 (or thereabouts) and realise that retirement is just around the corner.

An introduction to managed funds

Managed funds may give you access to a broader range of investment types by pooling your money together with other investors. Find out how they work and if they’re for you.

Getting smart about savings

Saving money doesn’t come naturally to everyone. Some people are wired to save – for others it takes a bit more discipline. But developing good savings habits can do so much for both your financial wellbeing and your future security.

How to give your finances a health check

How healthy are your finances? Isn’t it time you put your own financial wellbeing front and centre? You can take control of your financial future quickly and easily, with a simple financial health check.

Just like your physical health, it’s worth giving your finances a checkup once in a while. Over time, unhealthy spending habits can creep in, threatening to derail your progress. Here’s how to give your finances a health check and find out where you can make some healthy gains.

50/30/20 budgeting strategy

Having a budget can help you stay on top of bills, pay off debt and save for long or short-term goals. There are many ways to go about it.

One budgeting strategy is the 50/30/20 approach, which requires you to designate a portion of your earnings to three categories.

What’s the best age to retire?

There is no magic age at which to retire. But what’s important is to plan for a longer retirement than you may expect. This is in part because research shows we’re now living longer than ever. According to the Australian Government Actuary (AGA), factoring in improvements in life expectancies over the last 25 years, half of today’s 65-year-olds will live to at least 87 for males and at least 89 for females.

Christmas Spending Without the Splurge

Based on my position as a financial planner, it would be expected of me to suggest that Christmas expenses form part of the annual household budget. Ensuring that Christmas is included in your cashflow requires you to consider Christmas costs throughout the year and set aside an amount each week or fortnight to ensure you have your Christmas shopping budgeted for.

Help your retirement funds last the distance

Retirement is a time that many Australians eagerly anticipate, providing plenty of time to pursue hobbies, do more travelling, or simply kick back and enjoy the fruits of your labour. We will outline key strategies to help boost and preserve your retirement savings, to help you achieve long term financial security throughout your golden years.

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