Oct142025
Financial Planners Active Asset Allocation Must Be Done Correctl

Why Active Asset Allocation Must Be Done Correctly

Financial Planners

For Australians building wealth, the single most important decision is not whether to buy a particular share or bond, but how to allocate their money between asset classes. Active Asset Allocation—the balance between growth assets such as shares and property, and defensive assets such as bonds and cash—is the foundation of any investment strategy. It determines both the long-term growth potential and the stability of a portfolio.

This article explains why Active Asset Allocation is so critical, explores the long-term benefits of growth assets like shares, outlines the risks of emotional investing, compares long-term holding with dynamic asset mix adjustments, and highlights historical data on compounding. We’ll also look at market cycles, why investors often harm themselves by switching during downturns, and how a disciplined, balanced approach guided by a professional financial planner can make all the difference.

Read more
Oct142025
Financial PlannersNews How to Teach Children Good Financial Habits

How to Teach Children Good Financial Habits

Financial Planners, News

Money shapes almost every aspect of adult life—from managing household budgets to saving for retirement to teaching children good financial habits. Yet many Australians enter adulthood without the financial literacy needed to make sound decisions. A 2022 survey by the Household, Income and Labour Dynamics in Australia (HILDA) survey showed that around 35% of Australians struggle with basic financial concepts like interest and inflation【1】.

This knowledge gap highlights why teaching children good financial habits from a young age is crucial. When kids learn how to budget, spend wisely, and save early, they carry these behaviours into adulthood. Parents, schools, and financial advisors all play an important role in fostering this literacy.

Read more
Oct112025
Financial PlannersInvestment Planning Tips for Handling a Volatile Investment Market

10 Tips for Handling a Volatile Investment Market

Financial Planners, Investment Planning

Market volatility is an unavoidable part of investing. Prices of shares, property, and other assets rise and fall based on economic conditions, investor sentiment, company earnings, and global events. For Australians, the last decade has seen several shocks—from the aftermath of the Global Financial Crisis to COVID-19 and ongoing global geopolitical uncertainty. Each period has reminded investors of the importance of preparation, discipline, and clear strategies.

This article explains practical tips for navigating a volatile investment market: understanding what volatility means, maintaining a long-term perspective, diversifying, reviewing your portfolio, avoiding emotional mistakes, applying dollar-cost averaging, ensuring you have an emergency fund, staying informed, consulting professionals, and resisting the urge to time the market.

Read more
Oct102025
NewsRetirement Planning 3 Crucial Retirement Decisions

3 Crucial Retirement Decisions

News, Retirement Planning

Retirement decisions are some of the most significant financial transitions in life. For Australians, preparing well means not only building sufficient savings but also making several critical decisions that directly shape the quality of life after finishing full-time work. Among the most important decisions are determining the desired retirement income, managing superannuation effectively, and deciding whether to downsize the family home.

These choices determine how long savings last, how financially secure retirement feels, and how much freedom individuals have to enjoy later years. Each decision is interconnected, and navigating them properly often requires guidance from experienced professionals.

Read more
Oct92025
NewsRetirement Planning Retirement Planning 101: Pros and Cons of Investment Property for Retirement Income

Retirement Planning 101: Pros and Cons of Investment Property for Retirement Income

News, Retirement Planning

Why Retirement Planning Matters

  • Retirement usually means switching from accumulating assets (earning, saving, investing) to decumulating them (drawing income, preserving capital, managing risks). Without an income plan, retirees risk outliving savings or being exposed to shocks (health, inflation, market downturns).

  • In Australia, people rely on a mix: superannuation, possibly the Age Pension, personal savings/investments, and sometimes property. Because superannuation rules change, retirement ages shift, and markets fluctuate, having a diversified and resilient income strategy is important.

  • Many Australians view investment property as a means to supplement super + pension with more reliable cash flow and potential capital growth.

Read more
Oct82025
Business InsuranceNews Does Your Company Have Key Person Insurance?

Does Your Company Have Key Person Insurance?

Business Insurance, News

Definition: Key person insurance (sometimes called “key man insurance”) is a policy that a business takes out on the life (and/or health/disability) of one or more “key persons” whose loss would significantly harm the business. The policy is owned by the business and benefits are paid to the business, not to the employee (or their family). (Gallagher)

Risks it covers:

  • Death
  • Total and permanent disability (TPD)
  • Critical illness/trauma (e.g. heart attack, cancer) (Gallagher)
  • Sometimes temporary absence (though that is less common in classic key person policies) (Gallagher)

Purposes / Uses of proceeds:

When a claim succeeds, the business may use the payout for:

  • Compensating for lost revenue (sales, contracts, projects) while replacing or recovering from the loss of that person;
  • Paying recruitment/training costs to find a replacement;
  • Covering debts or liabilities that the key person may have guaranteed;
  • Stabilising cash flow;
  • Executing a buy-out / adjusting ownership if the key person was a shareholder or partner. (Gallagher)
Read more
Oct82025
Financial PlannersNewsWealth Protection How Large is Your Emergency Fund Buffer?

How Large is Your Emergency Fund Buffer?

Financial Planners, News, Wealth Protection

Life has a way of surprising us. Redundancies, health issues, rising interest rates, and unexpected bills can quickly destabilise even households that appear financially comfortable. Without an emergency fund buffer, these events can lead to spiralling debt, stress, and long-term setbacks. That is why building a financial safety net is one of the most important steps Australians can take toward financial security.

A financial safety net has two main components:

  1. An emergency buffer fund—readily accessible savings set aside for sudden expenses or income disruptions.

  2. Wealth protection products—insurance policies that provide income and financial stability in the face of illness, disability, or death.

This article explores both pillars in detail, explaining why they are essential, how much Australians should aim to set aside, the factors that influence the right level of savings, and the role professional financial planners play in tailoring strategies to individual households.

Read more
Oct52025
Financial PlannersNews Pitfalls of DIY Financial Planning

The Pitfalls of DIY Financial Planning

Financial Planners, News

DIY financial planning can work for some, especially if finances are simple, you have good knowledge and discipline. But for many people, the downsides are significant. Here are key pitfalls, backed by evidence, to be aware of.

Key Questions to Ask Yourself Before Going DIY

If you're considering managing your finances independently, here are some essential questions to ask. Honest answers will help you see if DIY is viable, and where you need to bring in external help.

  1. What are my financial and life goals — short term and long term?
  2. How much of my financial situation is simple, and how much is complex?
  3. What is my knowledge base around investment, risk, tax, estate law, regulations?
  4. What is my tolerance for risk (loss, volatility, illiquidity)?
  5. How will I handle ongoing monitoring, reviews, and adjustments?
  6. Have I considered all costs — fees, taxes, time opportunity cost?
  7. Do I understand estate planning well enough to protect my heirs and my wishes?
  8. Am I aware of regulatory / legal environment and future changes?
  9. Do I know when I should / must seek professional help?
Read more
Oct42025
News WA Economy Update

WA Economy Update

News

Western Australia's economy is well-positioned for continued, albeit more moderate, growth in the coming years. The latest WA economy update confirms that the state's strong fiscal position, coupled with government investment in infrastructure and economic diversification, provides a solid foundation for navigating potential challenges. For investors, the housing market, particularly the unit segment, and the tourism sector present potential opportunities. However, it is crucial to remain mindful of the risks associated with global economic conditions and commodity price volatility.

Read more
Oct32025
Retirement Planning What Are The Most Serious Financial Risks Retirees Face

What Are The Most Serious Financial Risks Retirees Face?

Retirement Planning

Why These Financial Risks Matter Together

  • Retirees often don’t have as much time to recover from adverse investment or regulatory changes as younger people.
  • Inflation and increasing costs, especially for aged care and health, amplify other risks.
  • Longevity means even modest under-planning could leave someone with inadequate resources in later years.
  • Regulatory changes can shift cost burdens or benefits unexpectedly.
Read more