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Archives

Families who talk about money

Did you know that on average it takes a recipient of inheritance 19 days until they buy a new car? What are your thoughts on whether this a financially-savvy way to spend an inheritance? In our busy lives talking about money with our family members may prove to be a daunting and sometimes an emotional […]

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Superannuation changes: One step closer to legislation

Yesterday Scott Morrison, the Federal Treasurer, announced changes to 2016 Budget super reforms – thus confirming which of the proposed Superannuation measures, announced in the May Federal Budget will be put to the Senate, along with those that have changed and lastly which ones have been abandoned – and the results are generally regarded as […]

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Retirement

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 […]

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7 things successful investors do in volatile times

“How do I generate my required return in a low return, high volatility world?” While a lot of investors are currently dealing with the same question, there are some big differences in their responses. Some fall victim to the ‘cycle of investor emotions’, becoming hostage to their ‘lizard brain’ where fight and flight responses either […]

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Downsizing in Retirement

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 […]

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How much are you worth ?

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 […]

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Transitioning from Independent Living to Aged Care

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, […]

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Risks in Retirement

  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 […]

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The 3 pillars of Australia’s retirement income policy

Australia’s retirement income policies comprise 3 components: The Age Pension; Compulsory Superannuation and Voluntary Retirement Savings. The Age Pension The age pension is means tested for recipients under both an income and assets test but only represents approx. 27% of average earnings and is therefore viewed by many as a low-income safety net. The greater […]

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Help your family for generations

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 […]

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This information is general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this information, you should assess your own circumstances or seek advice from a financial planner and seek tax advice from a registered tax agent. Information is current at the date of issue and may change.
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