Why would I change super funds if the returns aren’t better? This month’s blog is part education, part rant, but hopefully you can see why I needed an outlet. In Australia, there are 95 APRA-regulated superannuation funds and when there are 95 different versions of anything, it will contain the good, the bad an the […]
This type of question comes up so often, from clients in their 30s, 40s & 50s, so what do you need to think about? First, the decision may be taken out of your hands. If your current home has a mortgage, and you are taking on an additional mortgage for the upgrade, the bank will […]
Most people realise that when they retire, they can access their superannuation but aren’t sure how this works in practise. Does my super fund dump the entire balance into my bank account? Are all my investments sold down to cash? Can I take out a large chunk and pay down debt, take a holiday or […]
Elder abuse has become a growing issue across both Australian and international societies and unlike certain forms of abuse, it can be difficult to both identify and resolve. Older Australians are living longer and longer and as we transition through the largest ever wealth transfer from older Australians to their adult children, it’s more important […]
Every client I meet has their own version of financial freedom, whether stopping work by age X, retiring on income X or having the ability to make more choices in retirement. This is the most important, enjoyable & possibly easiest part of retirement planning. Once they have that picture in their mind, they decide that […]
A long-term friend who recently became a client sprayed me with the above last week, and whilst it wasn’t a criticism or complaint, it was an observation. He is a successful self-employed landscaper who has run his own business for 26 years and he has completed amazing work in my own home. His process is […]