On Tuesday night, the 2017-2018 Federal Budget was released. It included a number of measures that the government hopes will address the issue of housing affordability. One of the measures that sparked the most interest from the media was in relation to the ‘First-Home Super Saver Scheme’ allowing first-home buyers to receive early access to […]

Many people who make resolutions, unfortunately set themselves up to fail. This may be due to a combination of factors such as unrealistic expectations, ill-defined goals and objectives, poor time management, the wrong mindset or simply just getting distracted with life. In our experience it is far more important to simply start the journey of […]

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 […]

Are you planning a renovation? Renovating a property is more than just a pure financial decision. It can have significant implications not only for your cash flow, but also for your lifestyle. So before you get going take stock and make sure you’ve considered everything. To help make renovating more of breeze, and less of […]

In light of recent market volatility, the current earnings / reporting season and the annual expectation of a volatile October ahead, we look to the professional investment team at Perpetual for some tried and tested wisdom on why successful investing is about taking the emotion out of the decision making process.   The first principle […]

With interest rates in Australia dropping to an all time low earlier this month, and the likelyhood of more to come, we draw on the expertise of the Commonwealth Bank (CBA) to look at some of the reasons why currency movements seem counter intuitive at the moment thus reinforcing it as one of the hardest […]

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 […]

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 […]