2016

Beware of pension pressure

Changes to the pension assets test that came into force on January 1 have resulted in some retirees losing some, or all, of their pension entitlements. ...

Achieving your dream of early retirement

Spending more time with your family. Picking up a brand new hobby. Exploring exotic destinations for longer than your scant weeks of annual leave would allow. However you paint it,...

Fast track your home loan

With interest rates on the rise, now is the time to look at ways to fast track your mortgage. After all, the sooner you pay off your mortgage, the less you will pay in interest. ...

2016 Year in Review – A global seachange

If 2016 taught us anything, it was to expect the unexpected. Britain’s vote to exit the European Union and Donald Trump’s election as the next US President surprised the pundits and...

December 2016 – Private Client Newsletter

In this issue: How to play the Trump card Taking the guesswork out of gifting Count your blessing this holiday season Summer’s here and the countdown to Christmas begins in...

Count your blessings this holiday season

We’re at that time of the year again: the shopping centres are packed, you’re signing dozens of greeting cards, and little miss/mister has just handed you a ‘wish list’ longer than...

Taking the guesswork out of gifting

It’s the season of giving and what better way to show love and support to your family than to gift your children or grandchildren some much needed cash....

How to play the Trump card

To say that Donald Trump’s election as President of the United States took the world by surprise is an understatement. Markets hate surprises and uncertainty, so a short-term period of...

November 2016 – Private Client Newsletter

In this issue: Aged care changes and the family home Saving for retirement: the big picture Rise of the robots November is here and as always it opened with the race that stops a...

Aged care changes and the family home

 Decisions around aged care are always difficult and emotional. From the start of next year they are likely to get even more complex, with both the Age Pension and aged care sectors...

The rise of the robots

Forty or fifty years ago, we were all convinced that robots would be the norm right now. ...

Saving for retirement: the big picture

Australians are constantly being told they are not saving enough for their retirement. The argument goes that unless you have enough saved in superannuation you will be forced to rely on...

Super gets a makeover, again

Just when those saving for retirement thought the rules couldn’t get any more complex, the Turnbull Government has revised some of the key elements of the controversial superannuation...

Affluenza – are you afflicted?

‘Million Dollar Shoppers’. ‘Confessions of a Shopaholic’. ‘My Shopping Addiction’. ‘Shop ‘Til You Drop’. ‘Haul’ videos on YouTube. These aren’t just...

October 2016 – Private Client Newsletter

In this issue: Super gets a makeover, again Chasing yield in a low interest rate world Affluenza - are you afflicted? October is upon us, and that can only mean one thing: sun, sand...

Chasing yield in a low interest rate world

Low interest rates and unsettled sharemarkets make the chase for yield a challenging prospect. And yield is important, particularly for those approaching or already in the retirement phase....

Running for cover

How much life insurance is enough? Australians enjoy access to a strong safety net, with universal healthcare and the new Disability Support Scheme. But will this be enough to protect your...

Budget your way into the black

$2.2 trillion. That’s how much Australian households owe right now, according to the latest ABS stats.i Household liabilities grew by $1.2 billion in the last quarter alone. Real...

Participating in the sharing economy

Ever heard of the sharing economy? This relatively recent economic trend is also known as ‘collaborative consumption’, the ‘rental economy’, and the ‘gig (or ‘task-based’)...

September 2016 – Private Client Newsletter

In this issue: Running for cover - how much personal insurance is enough? Budget your way back into the black Participating in the sharing economy Spring is here, time to put your...

Focus on Australia’s credit rating

Global ratings agencies Standard & Poor’s and Moody’s have effectively put the new Turnbull government on notice to reduce the nation’s budget deficit or risk a downgrade in...

August 2016 – Private Client Newsletter

In this issue: Property - Rent, buy or invest? SMSF rules change, again Fear Factor - Getting out of your comfort zone As August gets underway Australia’s iconic wattle trees are...

The Fear Factor – Getting out of your comfort zone

“Life begins at the end of your comfort zone.” “Everything you’ve ever wanted is one step outside your comfort zone.” “Outside of the comfort zone is where the magic...

SMSF rules change, again

As every trustee of a self-managed super fund (SMSF) knows, the ATO loves shifting the goal posts. This time the taxman’s big change is to grant a seven-month extension on the deadline...

Property – Rent, buy or invest?

Buying a home has been heralded as the way to get ahead for generations of Australians. But with housing affordability a rising concern for would-be first home buyers and their parents,...

Self worth = net worth

How to build confidence and change your financial direction At the start of the year, many people reassess their finances in preparation for the year ahead. This inevitably involves a...

July 2016 – Private Client Newsletter

In this issue: Australian Growth - resilient in tough times Wealth transfer is a family matter Brexit - Implications for Australian investors Self worth = Net worth - How to...

Wealth transfer is a family matter

It’s often said that it is better to give with a warm heart, but divesting assets while you are alive may not be the best way to pass on your accumulated wealth to your nearest and...

Australian growth – Resilient in tough times

‘Resilient’ is perhaps the best way to sum up Australia’s economic performance over the past 12 months. That was the word used by Standard and Poor’s director of sovereign ratings,...

Foiling the digital pickpockets

Just a few years ago the notion that you could pay for things by waving a card in the air – let alone your mobile phone or watch – would have seemed ridiculous. But fast forward to the...

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