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Don’t invest a single cent until you can answer this one question with absolute clarity!!

August 11, 2018

That’s right folks, forget returns.  Forget SMSF’s.  Forget which fund to invest in or which property to invest in.  Forget focusing on the wrong things. It doesn’t start with investments.  It doesn’t start with tax. It doesn’t start with superannuation. There are more important questions you need to answer before you consider any of the…

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Who’s the CEO of your Family Finances?

August 4, 2018

Like any household, it’s constantly organised chaos. In ours, we have two young boys, one aged 4 and the other 7, yes they are the ones in the image. If you asked them they would consider themselves the owner of everything from the house, to the cars and to everything else we own. The way they…

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The Secret Sauce on Investing…

July 30, 2018

Firstly I want to discuss some real client cases where they have got it wrong, not followed the rules and it ended up costing them big time, and not only money. But if you get this right the rewards are massive.  We’ll discuss the Secret Sauce, the rules you should be following to keep you…

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Which super fund? Industry, Retail or SMSF?

July 20, 2018

It’s no different from choosing a pet.  Do I get a dog, cat or bunny.  They all have their pros and cons, but what is the right one for you will be different to the next person based on their specific needs and wants.  They are different in many ways, they are not the same…

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How Much is Enough?

July 16, 2018

After releasing the Retirement Lifestyle Worksheet I have had many questions about How much is Enough?.  So I thought I would try and answer that question here. If you have not done so already you can download out Retirement Lifestyle Worksheet by clicking here>>  It’s a worksheet you can use to design your own Next…

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To charge kids board or not too…

July 9, 2018

I have come across a lot of discussions recently around whether to charge board to your kids once they are earning an income, some have said yes to cover costs, some no, some yes but we will bank it for you, so the question is what do you do? You child has gained their first…

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Tips for managing your time in Retirement so you don’t become a couch potato…

June 29, 2018

I was having a discussion with a client of ours recently who was looking to retire in the next couple of years.  He was having difficulty in working out what he would do with his time when he retired.  He didn’t want to be sitting around not knowing how he was going to fill his…

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Shh… I have a secret to tell You…

June 18, 2018

The Big Super Secret Alright, here’s the big secret. Ta dah! The superannuation system is very, very specifically designed. It’s actually one of the most complicated systems in the world, and I want you to think about it as a giant reward system. It’s like Qantas frequent flyer on steroids. It’s designed to reward one…

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The Sexy side of Salary Sacrificing into your super fund!!!

June 4, 2018

Yes, you heard me right, salary sacrificing into your super fund can be sexy, unless you believe you have no future… Salary sacrificing is the main contribution strategy we use with clients to help them with their retirement planning so they can ensure they can live the lifestyle they want when they give up the rat…

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Case Study|Retirement Planning| Joe & Kerry

May 28, 2018

Case Study | Retirement Planning | Joe & Kerry Background: Joe & Kerry both worked hard in their careers while bringing up three children.  Like most, they live a busy lifestyle.  Although they love what they do they realise that the day they finish work and retire is coming at a faster pace than what…

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