A selection of articles on wealth management and lifestyle topics to help you.
Based on some of the most commonly asked questions we receive from wealth accumulators,
pre-retirees, retirees and lifestyle protectors. Click on the links below to view:
Articles are added on a quarterly basis and on an ad hoc basis when available.
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Working out how to achieve your financial goals is easy and you don't have to earn a high income to do it.
Whether you're looking to get your affairs in order, buy a house, start a family or prepare for retirement, seeking quality advice from a qualified financial expert can help you achieve your goals sooner, and with more confidence.
Marriage breakdown can be highly traumatic and brings a whole new set of issues when it happens later in life. As well as the emotional challenges, there are practical issues to tackle, not least your finances. It’s all the more reason to get organised – a little bit of planning could help you take control of your financial future.
The severe falls in global share markets in late 2018, after almost a decade of strong market returns, led many investors to ask whether it was too risky to stay invested in the share market during their retirement. If they did stay invested, should they move to a strategy with less exposure to higher risk investments, like shares?
As it turned out, markets rebounded in January, recovering most of their December losses.
Ready to take the leap into home ownership? It’s worth doing your homework first.
Buying your own home can be overwhelming – hardly surprising given it represents one of life’s biggest investments. Our buying tips aim to make the whole process a little less daunting – while ensuring you’re thoroughly prepared.
Against the odds and the predictions of both pre-election polling and the commentary of so many media “experts”, the Coalition looks set to return to government following the 18 May Federal Election.
This result was not expected, and many were preparing for significant changes to tax, and to their superannuation.
With the return of a Coalition government, we can expect to see some of the super initiatives announced in the 2019 Budget, and in legislation that lapsed when the election was called, being reintroduced to the Parliament.
Top 3 ways you can save and invest for your kids' education
From saving to borrowing to invest, we discuss how to plan for the rising cost of education.
With private school fees reaching tens of thousands in the large capital cities, many families are keen to look at ways to provide for their kids’ education. Here are some steps that may help get you started.
Now is as good a time as any to review your current financial situation and put a plan in place for the next 12 months.
Sorting out your finances doesn’t have to be complicated, as even small savings can add up over the year.
Wanted to share a little bit about the danger I have as a financial planner in challenging popular thinking and calling things out to clients that I know doesn't make sense despite that some want to believe the consensus of the time.
At Warringal fs we call it "being your unreasonable friend"
As financial planners we read a lot of articles every week. It's a big part of what we do. So when clients phone us we don't just want to be able to give them more information, we want to be able to individualise our responses to their queries.
If you’re like many business owners you have already insured the physical assets of your business from theft, fire and damage. But have you considered the importance of insuring yourself - and other key people in your business - against the possibility of death, disability and illness.
There’s no doubt that travel is one of the most highly anticipated events of retirement.
You finally have the time to follow your dreams and explore new and exciting places. Whether it means jumping in the car and hitting the road to explore new parts of Australia or international travel, it always pays to plan ahead.
Viewed by many as an added long-term expense, its natural why most people are hesitant to acquire incomeprotection insurance. Often, there’s a need for a change in perspective from seeing it as a cost to an investment so the need for income insurance can be properly assessed. Before delving into why it may be essential, let’s begin with establishing a firm understanding of what income protection is and why a person would choose to get insurance.
As a general rule, the earlier you begin retirement planning, the better your future is likely to be. It’s now commonly accepted that in the not too distant future, the government pension won’t be enough to comfortably live on. The pension is certainly something you should not rely upon in your senior years.
If you’re in your 20s, retirement might seem eons away and it might sound too early to start even thinking about that part of life. If you’re in your 30s, it may be starting to creep into the back of your mind that it’s time to start preparing.
Planning for your future is one of the most important things you can do for yourself and your loved ones. You should first consider your lifestyle goals and priorities. These will help provide direction for your financial ambitions and will therefore allow you to plan your finances accordingly. There are a plethora of financial avenues you can take to achieve your goals, and each requires a sound understanding of the benefits, drawbacks, opportunities and inherent risks.
The financial decisions you make today can define your future. However, these decisions can be difficult due to a plethora of options available and variables that you need to consider in your life. In many cases, utilising professional financial services are necessary to provide the guidance you need, to ensure a secure financial future.
This statement is usually used to encourage people who are losing enthusiasm for a task or goal.
But it also reflects the way many people feel about estate planning. They think that so long as you have a Will, you have a way to ensure your wealth is passed correctly to your loved ones.But this is not necessarily the case.
It’s never easy to plan and balance your finances. In fact, many people find this a very difficult task. Fortunately, there are professionals who can help make things easier for you. You might be currently asking yourself – do I really need professional services? Good financial advice shouldn’t come from just anybody. It is in your best interest to get assistance from the right experts. We’ve listed some of the top reasons why you should get financial services from a professional.
Many Australians are not confident they have enough assets to support their retirement, according to recent research by MLC, the report, with 43% saying they will need to rely on support from the Australian Government.
I've seen some terrific leaders, managers and contributors during my 25+ years in business management and
as an accredited football (soccer) coach, I can say the same about coaches, managers and players
- and we have a number of common personality traits
Your retirement years are a chance to relax, rejuvenate and focus on the people and activities that matter most to you. But retiring is also one of the most significant life changes you’ll ever make, and adjusting to life after work can be hard.