Our Video Insights

Insurance in "inactive" super....and rate cuts

Recently introduced legislation means that insurance within “inactive” super funds will be cancelled by 1 July, unless the member opts in to keep that insurance. 
And the RBA has finally moved the interest rate. Now at a new record low of 1.25%, is this a case of 
how low can interest rates go???

Super EOFY Opportunities

Just a month to go until the end of this financial year, which means now is the time to check your super contributions and make sure you’re making the most of the opportunities available to you.  In this video insight, Neil provides a quick recap on the different contribution opportunities. Make sure you take action before 30 June!

What will your retirement look like?

Too often, people retire without a plan. They get so busy with life and family that when retirement comes around, they ask themselves “What do I do now?” If you’re 5 to 10 years out from retirement, you need to start planning. Not only financially, but actually planning what your retirement will look like is key to ensuring a happy retirement. Here are some tips to think about.

Looking for the “Best” Super Fund?

I’ve been getting a lot of questions lately around “What’s the best superfund?” And this relates mostly to industry super funds. This got me thinking, why have we got so much talk around this topic in the last few weeks? And the reason I think is quite simple….

Franking Credits

Are you worried by Labor’s Franking Credits proposals?! Perhaps you are a “self-funded” retiree (or soon-to-be) and are worried about the potential impact of Labor’s proposal on your retirement income? …or maybe you’re just confused by the whole thing. Then this video is for you! My latest video below gives you the simple breakdown of what franking credits are, how they work, and what Labor intends to do with them. If you are concerned about and you’d like to know more, please feel free to get in touch.

Accessing Superannuation

How and when can you access your super? Is it 65? Or maybe earlier? Watch the video to find out more…

Do you "Afterpay" it?

Afterpay is the new payment method popping up in shops everywhere. And with Christmas around the corner, phrases like “Wear it now, pay for it later” are a little worrying. Do you “Afterpay” it? Should you Afterpay it? Neil explains the ins and outs and what you need to consider before you Afterpay your next purchase.

A Story of Strategy

Financial advice is about more than financial products. First and foremost, it’s about strategy. Here is a story about recent clients who will now have an extra $78,000 in their pockets following our advice, all as a result of tweaking their wealth strategy. These clients realised “they don’t know what they don’t know” and decided to seek some advice…..and it paid off.

No products sold. No commissions…just happy clients

The perfect example of why we love what we do.

How to deal with Share Market Volatility

Global market saw a bit of a correction last week. Such market volatility can make investors nervous, and that’s hardly surprising.
How do you respond when your share portfolio or super suffers a big drop in value? How do you deal with market volatility?
In this video, Neil explains the importance of understanding market volatility and what strategies to use to manage your investment risk. If you’d like to discuss how best to manage the risk in your investment portfolio, please get in touch.

Life Insurance – Have you checked yours lately?

Have you got life insurance? Do you know how much cover you have?
It’s important to review you life insurance on a regular basis, to ensure you only pay for what you need but have sufficient cover to know that your loved ones will be looked after.

The importance of budgeting

Having a household budget provides the foundation for any sound financial plan, and digital apps and tools make it so easy these days to get good visibility of your cashflow. In this video, Neil talks about the importance of having a budget, and how to go about setting one up.

The Invisible-Money Generation

It’s Financial Planning week! This year’s theme, as promoted by the Financial Planning Association of Australia is “share the dream” with the next generation. As you may have seen from last week’s post, we are passionate about passing on financial knowledge and habits to the younger generations.

Protecting your biggest Asset

Too many of us take our biggest asset for granted – our ability to earn an income. But what happens when one day you are no longer able to work? What if you can no longer provide for your family? How would this impact your family’s lifestyle?
In this video, Neil explains the critical role of income protection as part of a complete financial plan and goes over some of the main features of income protection cover. Get in touch with one of our advisers if you would like to review your income protection cover.

Planning for the Age Pension

How much Age Pension you’ll get depends on your income, assets, home ownership and other criteria. Good financial advice will help you understand these factors, and whatever your situation, there are things you can do to make the most of what you’re entitled to. But as with all financial strategies, this take time and careful planning, so it pays to start looking at this well before retirement.
In this video Neil gives an example of how your financial assets impact your age pension, and why there is a “sweetspot” that may be worth aiming for.

Why it pays to take an active interest in your Super.

The Productivity Commission has just released its draft report into Australia’s “outdated” and “flawed” superannuation system. It’s recommending yet another round of reforms to benefit the average member. But there is no need to wait, the common pitfalls can be avoided now. There is choice now and you can make small changes now to improve the growth of your Super. Take an active interest in your Super and your 65 year old self will thank you for it!

Top Tips for 2018 EOFY

It’s nearly June!! That only means one thing in the world of financial advice…it’s nearly the end of financial year (EOFY).
It’s always a busy time for us, but for you it offers opportunities to save tax, boost your super, get a bonus from the government, and more… Here are our top EOFY tips for 2018.
But be quick, your window of opportunity closes on 30 June. If you’d like some personalised advice to make the most of your EOFY, give us a call on 03 8513 0290.

2018 Federal Budget

If you missed Scott Morrison’s Federal Budget on 8 May, here’s a quick overview of the main proposals. This was of course a pre-election budget, so it’s good news for most of us! (but you probably won’t feel it in your pockets….)

What we do

When it all boils down, financial advisers help people solve problems. What kind of problems? Watch our new video and find out!

Choosing Investments for your SMSF (or any other investment portfolio)?

How do you go about choosing your investments? What do you need to consider and how do you ensure you get the best return without taking on too much risk. Watch the video to find out more…

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