How to ease the transition to retirement pension by maximising what you already have. Although we can’t give specific advice due to the individual nature of investing, we can provide some tips for easing the transition to retirement pension. As more Australians born during the baby boomer era reach retirement age, it is becoming more…
How to protect your family from the prospect of long term disability. When we are planning our financial futures, we often focus on our income, our own lives and our retirement. But what about the lives of your children? Do you have an adult child who has just started a family or just bought a…
A financial planner’s role is to provide expert financial advice. While many people think that all a financial planner does is invest money, it’s more than that. A financial planner is there to help you devise a strategy for your present and future financial health. In other words, as opposed to just investing money, we…
Superannuation reforms have generated a lot of inquiries in our Perth office. We want to take this time to thank you all for your inquiries and to provide a short guide to the more important parts of the reform and how they will affect you. Remember that our information is general in scope and that…
The ins and outs of SMSF borrowing to fund your property investments. Under the right circumstances, you can now use your SMSF to invest in most forms of real property, including industrial, commercial, residential and farm property. Before September 2007, it was much more difficult; that month marked the first easing of SMSF regulations in…
What is trauma insurance and how does a recent change in regulations affect your Self Managed Super Fund (SMSF)? Trauma insurance is a form of cover that pays a lump sum if the insured receives a diagnosis of any of the critical injuries or illnesses specifically mentioned in the policy. Conditions most commonly covered are…
According to a recent study published at news.com.au,* the average Australian may be hard pressed to find extra income for superannuation contributions. The data would appear to say that Australians are spending most of their take home pay on necessities and don’t have a lot left over at the end of the month. But is…
We offer advice for self managed superannuation funds (SMSFs) to a large number of clients in the Perth area. When gathering information and doing preliminary work with our superannuation clients, one of the first things we recommend is to find out whether or not they have any unclaimed super accounts. Currently, there are over 6…
Why so many Australians are choosing to obtain a life insurance quote as part of their wealth protection protocol. When deciding upon wealth protection products, many business professionals are focused on obtaining cover for their assets. Often, they have to be reminded that they have neglected one important asset: themselves. As a business professional, you…
Why it is still important to have permanent disability insurance in Australia. With the rollout of DisabilityCare Australia, many Australians are of the mistaken impression that it will no longer be necessary to purchase permanent disability insurance. This is not true, as the current setup will not affect Australians who suddenly find themselves with a…