As a financial planner in Western Sydney for over ten years, this is a question I have been asked so many times that I thought it was worthy of writing a piece about how to answer that question as simply as possible. Just only last week I had the pleasure of meeting with a young married […]

Insurance is used as a funding solution for several different aspects of business continuity and succession planning. This article looks at the intent behind each type of cover and the structures possible. Several ways insurance is used as a funding solution for different aspects of business continuity and succession include: Business succession planning (eg through […]

For many people who read this headline, you may be thinking that the answer to this question is reflected in the value of your balance sheet i.e. your net assets minus liabilities. Well it isn’t this time. For the purposes of this conversation, we looking at your future earnings capacity and quantifying the economic cost […]

The very first successful human to human heart transplant was performed in 1967 by a team of specialists including Heart Surgeon Dr Marius Barnard. Not only was Dr Barnard part of the team that changed medical history, but he’s also responsible for the introduction of Trauma insurance in Australia. Dr Barnard noticed that improvements in medical […]

It doesn’t matter what life stage someone is at, a financial adviser can help them identify and meet their financial goals. CLICK HERE for an interactive view on the various life events and how Adviser fp can help you and your family to navigate these important stages. Life Stage: Creating wealth (Young Accumulators) Retirement may […]

With the slowing down of the spring property season as we head into the quieter Christmas/New Year period, many people may be questioning whether buying an investment property is an appropriate option for them.  In making this assessment, there are a number of things worth considering and here we discuss a range of factors relevant to […]

The year has all but come to an end and the lazy afternoons of summer holidays are calling. But it can be hard to put your feet up if your financial affairs aren’t in order, or if you know that there are matters that still need your attention. To help you address this and ensure […]

A lot of people leave their preparation for the end of the financial year until it is too late. If you feel that your finances could do with a shake-up before June 30, there are many tax-effective strategies that you and your financial planner can implement now to ensure that the end of June runs […]

Who will look after your finances if you can’t work due to sickness or injury? Health insurance may cover a proportion of your medical bills, but it won’t cover your rent or mortgage and living costs. It doesn’t make sense The majority of Australians have no trouble insuring their home and contents from fire, theft […]

Life is full of unforeseen circumstances which can affect your future goals. That’s why life insurance should form a critical part of the financial planning process for you and your family – encompassing both wealth creation and wealth protection. Why is life insurance so important? Life insurance shifts the financial burden from you to the […]