Investing,Personal Finance,Retirement,Tips & Tricks

Planning For Retirement in Your Fifties

18 Mar , 2016  


You might have had a well-meaning grandparent tell you in your 20s that you should start to save for retirement, but you were having too much fun to do that.  Then in your 30s you had a young family to care for and a house to buy, so your money was all spoken for.  But […]

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Legal,Personal Finance,Trusts, Wills & Estates

Estate Planning in 2016

26 Jan , 2016  


The start of the new year is the perfect time to think about the future and get your affairs in order particularly if your circumstances have changed. An estate plan helps you structure your financial affairs, not only for yourself during your lifetime but also for those dearest to you when you’re no longer here. […]

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Investing,Personal Finance,Personal Insurance,Retirement,Superannuation,Trusts, Wills & Estates

5 Telltale Signs You’re Paying Too Much For Your Financial Planner

10 Nov , 2015  


Financial planners or financial advisers can be invaluable when it comes to organising your financial life and helping you achieve your financial goals. We’ve known many cases where financial planners add significant value, especially when their clients have complex financial situations. You may have a self-managed-super-fund (SMSF), several investment properties, a family trust with a […]

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Family & Divorce Law,Legal,Personal Finance

Family Trust Succession

3 Nov , 2015  

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I have written previously about the amount of wealth that the baby boomer generation has in small businesses in Australia, and that the transfer of that wealth will happen over the next 10 years as baby boomers retire. A significant number of family businesses are run in family discretionary trusts, so the control and succession […]

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Social Security & Centrelink

Changes To The Pension Assets Test in 2017

7 Sep , 2015  


The law has been passed: from 1 January 2017, the Government will increase the Centrelink lower asset test thresholds (the assets test free area) and the withdrawal rate (the taper rate) at which pensions are reduced once that threshold is exceeded. The assets test free area is the amount of assets above which allowances are […]

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Legal,Trusts, Wills & Estates

Providing for a Disabled Child

3 Aug , 2015  


Last month I wrote about vulnerable beneficiaries and protecting their inheritance – primarily gamblers, and people with a drug or alcohol problem. Although a disabled child could also be provided for under a protective trust or a discretionary trust, there are other trusts that might be better suited. Or, you could use a combination. Special […]

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Adviser Scope

What Are You Really Scarred Of?

13 Jul , 2015  


Some intriguing questions for you all. Has the financial planning community been so scarred by all the changes and negative press that they can’t see a better future ahead? Has the rapidity of the myriad of changes and the often exaggerated and out of proportion justifications for the changes made us scared to take any new […]

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Legal,Trusts, Wills & Estates

Is Estate Planning Just For The Elderly

23 Mar , 2015  


This is a very easy question to answer – NO, Estate Planning is for everyone. A good Estate Plan requires the involvement of skilled legal, accounting and financial specialists, to ensure that the right assets end up in the right hands at the right time. Estate Planning does not just mean you have to have […]

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Personal Finance,Personal Insurance

On a Perfect Day….

22 Mar , 2015   Video

John Maher advocates the importance of having Income Protection Insurance through a Financial Adviser, after his own experience of suffering a head trauma from a car accident.

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Mortgages & Loans,Personal Finance

Is Your Banker Just Like A Used Car Dealer?

11 Mar , 2015  


There’s a phenomenon in car buying that says if you walk onto the lot they’ve almost got you. Most car dealers will consider you pretty much sold – and they don’t have to work too hard to get you to buy. Its reflected in the deal you’re offered. If you understand this, and the way […]

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Super! Contributions cap increased in 2015

30 Dec , 2014  


Do you want to contribute more to super? Well, now you can! For the first time in five years, for people under 50, the caps that regulate the amount you can contribute to super (on a concessionally taxed basis) has increased. That is, if you are under 50 from 1 July 2014, you can contribute […]

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Personal Finance,Retirement,Social Security & Centrelink

Tips On How To Deal With Centrelink

30 Dec , 2014  


Have you ever had to deal with Centrelink? For yourself, or a family member? I once had a client tell me she would pay me $10,000 if she never had to go to Centrelink again. Considering she was on an Age Pension, this is quite a statement. Luckily it doesn’t cost that much for this […]

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