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In today’s volatile financial landscape, having a trusted financial adviser is more than just about understanding numbers and investments—it’s about receiving guidance for the emotional and psychological aspects of money. Events like the COVID-19 pandemic, the Ukraine crisis, rising interest rates, and market volatility can make financial decision-making stressful and overwhelming. For many people, emotions […]

Many Australians have life insurance through their superannuation fund without fully understanding the coverage or its limitations. While having life, total and permanent disability (TPD), and income protection insurance within your super fund can provide peace of mind, it may not always meet your specific needs and could leave you caught short in the event

Are you navigating the aged care system for yourself or a loved one? Incoming reforms may impact the amount you’ll pay to access residential care and home care services… The Aged Care Bill, tabled in Parliament on 12 September 2024, proposes sweeping fee reforms aimed at addressing the financial challenges facing Australia’s aged care sector.

Supporting Your Adult Children into the Housing Market The dream of owning a home in Australia, particularly in cities like Sydney and Melbourne, has become increasingly challenging due to soaring property prices. That has led to many young adults around the country going to “the bank of mum and dad” for assistance getting into the

Your Investment Strategy – Ten Cognitive Biases to Look Out For Investing is as much about psychology as it is about numbers. While data and analysis play crucial roles in making informed decisions, the human mind is prone to cognitive biases that can cloud judgement and lead to suboptimal outcomes. A textbook definition of cognitive

Is an Employee Share Scheme (ESS) a good fit for your workplace? In a tight labour market, Australian businesses are looking for more ways to attract and retain the top talent in their industry. On the other hand, employees are faced with more options for companies to work for, so extra perks and incentives often

Key Preparations for a Smooth Transition to Retirement Retirement can be an exciting phase of life filled with opportunities to travel, spend more time with loved ones, take up new hobbies, or simply relax after years of hard work. However, to enjoy this new chapter without unnecessary stress, it’s crucial to have everything well-prepared in

Using Cash to Combat the Cost-of-Living Crisis As Australia embraces a rapidly digitalising economy, and facing a cost-of-living crisis,  the tangible feel of cash in our wallets is becoming rarer. Once a staple for transactions, cash is now only used in 16% of in-person payments, a steep decline from 70% in 2007. This shift towards

Aged Care Financial Planning: When to Start and What to Consider When it comes to preparing for aged care, either for yourself or a loved one, understanding when to start the financial planning process and knowing what to consider is crucial. Financial planning for aged care is not merely about covering costs; it’s about ensuring

Life Insurance at Tax Time With tax time fast approaching, life insurance probably isn’t at the top of your mind – but why not? Understanding the tax implications of life insurance can significantly impact your financial plan and tax position. In Australia, the government has structured tax rules around life insurance to encourage its use