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 […]

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 […]

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 […]

  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 […]

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 […]

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 […]

As your children become independent and mortgages are paid off it’s time to re-evaluate your financial situation to ensure you are in the best position for retirement and beyond. A financial planner can work with you to maximise financial opportunities and ensure you have planned for a stress-free retirement with the financial means to enjoy […]

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 […]

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 […]