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Living and dying: doing it your way

Living longer is something to be celebrated. But it can be a less settling prospect if advancing age or an accident reduces your capacity to make decisions. Worse still, if you are incapacitated. It is a good reason to make provisions ahead of time to pass on some, or all, of the responsibility relating to your financial and other affairs. This might include how you want your future health, medical treatment and personal care to be managed. The following ‘tools’ are governed by different ... Read more

Planning to avoid financial mistakes

Selling shares when prices have tumbled or buying a house at the height of a property boom only to dispose of it when the market falls are among the financial set-backs that can happen to anyone on the road to retirement. Everyone makes mistakes during their investment lifetime; the trick is to avoid them when you can and learn from the ones you can’t. Have a plan Failing to plan for retirement and build up savings is one of the most common mistakes. ... Read more

Things you need to know about personal insurance

Personal insurance premiums have increased significantly over the past 18 months, running the risk that cost- conscious consumers might consider cutting back their cover. Suddenly those quick, off-the-shelf insurance products advertised on TV look enticing. But simple is not always cheaper, the cover may be inadequate or, worse still, may not pay out when you need it most.  Underinsurance Personal insurance is a general terms for term life, total and permanent disability (TPD), trauma and income protection insurance. The reality is that even those people ... Read more

End of Financial Year Checklist

Click  here for full details of - End of Financial year checklist Read more

Federal Budget 2015 – How will it affect you ?

As the Treasurer foreshadowed, this to be a Budget of structural reform with distinct short and long term winners and losers. The bad news headlines were fairly accurately reported and were old news by Budget night. For many - families, pensioners and those relying heavily on assistance and subsidies - the impact of the Budget will be evident through the co-payments that will demand a little more for each service each time and in some circumstances severe restrictions to eligibility. For business, left untouched ... Read more

Home equity could help fund aged care

A person’s home is their castle and any equity in it is the owner’s to use as they wish.  But the large amount of untapped wealth that is tied up in homes around the country has not gone unnoticed by the Government and others.  Two high profile reports as referred to below have raised the possibility that one way to help fund the rising costs associated with an ageing population, is to bring the family home into the equation when it comes to ... Read more

The future of money

The line “as rich as Croesus” is littered through literature in works as bizarrely diverse as Alexandre Dumas’ The Three Musketeers to E.L. James’ Fifty Shades of Grey. As the ruler of Lydia (in what is now western Turkey) from 560-546 BCE, King Croesus presided over the introduction of the first Legal Tender coinage.1The man deserves his dues.  The coins were made from electrum, a mixture of silver and gold and stamped with pictures that acted as denominations. In the streets of ... Read more

Australia’s Growing Population. Get Ready

There are 5.2 million boomers in Australia born from 1946 to 1964. This compares with six million generation Xers born between 1965 and 1983. Generation Y, born across the 18 years to 2002, is expected to peak at about 7.4 million next decade. With Australia’s population expected to swell by mid-century and the first wave of baby boomers reaching retirement, building up the nest egg has become more important than ever.  Late boomers, generation X and Y have contributed to their superannuation fund ... Read more

Beyond Children – Safeguarding your future

Another benefit of taking out insurance when you are younger is that insurance policies are generally guaranteed to be renewable. This means once a policy is in place, the insurer is obliged to renew it every year unless you say otherwise. So should your child develop minor health complications or an illness later in life, the insurer cannot refuse cover. Neither can they increase the premiums (called a ‘loading’). Unfortunately, many adult children delay taking out insurance until they have dependants of ... Read more


If you don’t know how to negotiate the taxation and Centrelink minefields, it can be a daunting prospect to accept a redundancy offer. But help is at hand and with professional advice you don’t have to go through it alone. To help get you started, here are six key strategies to consider: If you will be unemployed, use your existing savings, holiday pay, long service leave and tax-free redundancy payment to meet your living expenses. Any taxable portion of your redundancy ... Read more
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