by melissa | Oct 9, 2018 | Financial independence, Home and family
Intergenerational wealth transfer In simple terms, estate planning involves passing on assets to your family when you die. It often is a huge issue for all family members concerned. If done well and executed properly, it can make a real difference to the financial...
by melissa | Oct 7, 2018 | Buy an investment property, Financial independence, Retire Right
Create a passive income stream Many people look to traditional income investments like term deposits when they think of a passive income stream. But with falling interest rates it may be more appropriate to look elsewhere for investments that offer an income...
by melissa | Oct 7, 2018 | Protect my lifestyle, Retire Right
Not all invalidity cover is alike! Many of our clients have PSS invalidity and Death cover as part of the inbuilt benefits of the scheme. The PSS is a generous scheme. However, you may not be aware of some shortcomings in the insurance – particularly if you are...
by melissa | Oct 7, 2018 | Retire Right
Do you need to max out your member contributions? Many members of the CSS, PSS or Military Super increase their member contribution levels to the maximum – without another thought. But this is not the only option available. Making high contribution rates in defined...
by melissa | Oct 7, 2018 | Protect my lifestyle
Optimism vs reality It’s great to be optimistic about your future. But you should also have a healthy dose of reality as well – which is where life insurance comes in. So why is it that when it comes to our health, safety or wellbeing we are...
by melissa | Oct 7, 2018 | Be debt free, Financial independence, Home and family
Cashflow budget, spending, reduce debt If you’ve overspent, we recommend you get back to basics. By basics we mean: sorting out your cashflow budget making a concerted effort to reduce your ‘bad’ debt put in place a sound bank account structure so that...
by melissa | Oct 7, 2018 | Be debt free, Financial independence, Home and family
Having a child is rewarding – but expensive While the hours are long and the pay is poor, the satisfaction is enormous. But, whether it’s learning the piano, early morning swimming lessons or ballet classes, the reality is, as your kids grow, the costs...
by melissa | Oct 7, 2018 | Buy an investment property, Financial independence, Retire Right
Is your retirement income on track? We look at many factors to help you determine if your retirement income is on track. We: Look at your existing assets (both inside and outside super) Estimate your projected retirement assets based on when you want to stop...
by melissa | Oct 7, 2018 | Financial independence, Retire Right
Have you been offered a voluntary redundancy? If you’ve been offered a voluntary redundancy, but are just not sure if you will have enough income – or what the best option regarding your super might be, then these tips could help. These are the most...
by melissa | Oct 7, 2018 | Protect my lifestyle, Retire Right
Ensure that your superannuation passes to your intended beneficiaries SMSFs are an increasingly popular form of retirement fund, and one of the fastest growing retirement funds. They offer a high level of flexibility and allow members a wider range of investment...
