Retirement is a time to enjoy the fruits of your many year’s of labour, not a time to scrimp and save. You need to make sure you have enough personal savings and in your superannuation to make your retirement a comfortable one. At this stage of life, you shouldn’t have children to worry about, may […]

Downsizing in Retirement: A planner’s perspective (Robert De Ceglie) I recently spoke at a seminar on this very topic and here’s a few of the discussion points I raised at this event, which I have learned through experience both as the son of elderly parents and as a financial planner. Downsizing is such a huge […]

Over the last few years I have been in the position to assist and closely observe various relatives and clients relocate from the family home into retirement villages and settle into a very happy ongoing lifestyle with a choice of privacy, involvement in a new community, and a variety of available activities. A retirement village, […]

  At first glance, and certainly for those who remember the uncertainty and impact the Global Financial Crisis (GFC) had on retirement portfolios, many people regard investment risk as the single most important risk to retirement.   Investment risk refers to the level of volatility, or fluctuation in investment returns, an investor is prepared to […]

As people get older and look to change their living arrangements, they are faced with a myriad of options, often making it difficult to decide exactly what their next best step may be. Whether you’re looking at options for yourself or a family member, your ultimate aim is to make the choice that can give […]

As many developed countries, Australia’s population is ageing and is expected to rapidly age over the coming decades. In 2007 for each older person (over the age of sixty five), there were five working age people in contrast to the projections for 2056, where there will be less than three working age people for every […]

The Treasurer, Mr Joe Hockey, has delivered his much anticipated second Federal Budget – a responsible budget about fairness, families and small business that encourages Australia to ‘get out there and have a go’. Key points include: Introduction of GST on digital goods purchased overseas. Generous new tax concessions for small businesses. Changes to the […]