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WA Businesses – The State has some Relief

The Western Australian Government has announced measures to support small business during the coronavirus (COVID-19) pandemic. The small business relief includes: $17,500 grants for small businesses with a payroll between $1 million and $4 million. The $1 million payroll tax […]

Wage Stimulus – Understanding the JobKeeker Payment

Eligible employers will be paid $1,500 per fortnight per eligible employee. Eligible employees will receive, at a minimum, $1,500 per fortnight, before tax, and employers are able to top-up the payment. Where employers participate in the scheme, their employees will […]

Scale your Business

There are three fundamentals to successfully scale up your business: having a clear (and documented) organisation structure, having comprehensive systems and processes, and developing great leadership. With growth comes growing pains. Such pains can affect team morale as well as […]

RETIRE IN STYLE – 5. Sequencing Risk

Financial advisers, talk a lot about risk, so what is sequencing risk? Let’s begin with an example… Wayne and Chris each contribute $20,000 per year to their superannuation funds for 10 years. They both earn an average return of 5% […]

RETIRE IN STYLE – 4. Transition to Retirement Strategies

4. Transition to Retirement Strategies If you’re nearing retirement age but don’t want to stop work entirely, another option might be to transition into retirement. For those over 60, Transition to Retirement (TTR) pensions are tax-free and TTR strategies can […]

RETIRE IN STYLE – 3. Super in your 50s

3. Super in your 50s… It’s time to push the pedal down! If 50 really is the new 40, then life has just begun. The kids are gaining independence or may have left home, and the mortgage could be a […]

RETIRE IN STYLE – 2. Put Strategies in Place

2. Put Strategies In Place to Give You Your Desired Result. The second part to retiring in style is developing strategies to deliver on your desired goals. This can involve all the different areas of financial planning to make sure […]

‘RETIRE IN STYLE’ GUIDE

The 5 Pillars to ‘Retire in Style’. Keep It Simple. Have a plan that is based on sound principals and proven outcomes that have survived the test of time. Implement Smart Strategies. Such as minimizing tax, making effective use of […]

Read More… from ‘RETIRE IN STYLE’ GUIDE

RETIRE IN STYLE – 1. Plan Around Your Goals

1.Plan Around Your Goals. One of the most common reasons people do not succeed financially is that they do not have a plan in place. We all know that the chances of success are so much higher with a clearly […]

9. Get Quality Ongoing Advice

The Secret To ‘Living The Dream’… We all, to a greater or lesser extent, have an idea of our dream lifestyle. So how, as a nation, are we faring? To find out, the Financial Planning Association of Australia (FPA) commissioned […]

8. Protect Yourself and Your Family – 2

An Often Forgotten Aspect Of Insurance. When most people think about financial planning they tend to focus on the wealth creation side of things, but often forget about the wealth protection. Building a financial plan without adequate insurance is like […]

8. Protect Yourself and Your Family – 1

A Personal Risk Management Plan – Do You Have One? Risk Management Plans don’t only apply to businesses – every person and family should also have a plan to help them cope in the event of an unexpected crisis. No […]

7. Build a Professionally Managed Share Portfolio 3

The Key to Smart Investing. You’ve probably heard of dollar cost averaging as a way to grow your investment portfolio. It’s not the “be all to end all” for investing, but it can certainly help you make the most of […]

7. Build a Professionally Managed Share Portfolio 2

The Benefits of Investment Diversification. When it comes to financial management, no single investment will continually outperform all other investments all of the time. To minimise potential losses and to smooth your investment returns over the longer term, you should […]

7. Build a Professionally Managed Share Portfolio 1

The Power of ‘Average’. When financial markets experience volatility, many investors obviously worry; but what are the real effects of a “volatile market”? If you are a long-term investor, with a timeframe of five years or more, you cannot afford […]

6. Smart Super Strategies 3

Is It Time For A Super Review? Picture this… when you were 21 years old your well-meaning but financially inept uncle put $1,000 into an ordinary bank account for you with instructions to leave it there and let the bank’s […]

6. Smart Super Strategies 2

The Benefits of Super Splitting. Some superannuation funds allow you to split employer or tax deductible contributions with your spouse. Why would you do it? These four case studies show possible benefits. Case 1 Dave and Beth are 52 and […]

6. Smart Super Strategies 1

Boost Your super Before June 30 The end of the financial year is rapidly approaching and, along with it, the opportunity to claim a tax deduction on additional superannuation contributions. Why contribute more to super? Superannuation does impose restrictions on […]

5. Own An Investment Property

Entering the Investment Property Market. Purchasing a property for investment purposes can involve a different set of considerations compared to purchasing a home to live in. Here are some tips to get you started. Which Rental Market? First, decide if […]

You’ve Paid Off Your Mortgage! Now What?

Paid off your mortgage? Woo-hoo! Break out the champagne and celebrate the freedom you must now feel! But once the dizzy excitement has passed, what will you do next? Discharge or not? The first question is should you discharge your […]