Thoughts

Thanks to a change in legislation, most working Australian’s can now claim a tax deduction for personal contributions to superannuation. This is really exciting for employed individuals as previously you could only add to super via employer contributions or salary sacrificed amounts.

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If someone asked you to picture technology changing (or rewiring) someone's brain, what would you see?  Chances are the first thing that you'd come up with would be sci-fi-style mind control beams.  Perhaps you would see robotic neurosurgeons at work (already a thing actually).  Or maybe cyborg like neural enhancements!

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I love working closely with my clients and it’s not all about the financials.  I love talking about their hopes, dreams and experiences which allows me to understand how they feel and their challenges.  I know what it feels like to be time poor, to be struggling with being successful and thinking about your family and your future.

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Buoyed by a stronger economy, the 2018 Federal Budget promises to deliver income tax relief, more jobs, guaranteed essential services and the government living within its means. So what does this mean for you?

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In November 2017, the Government passed legislation that would allow certain individuals who sell their main residence to contribute up to $300,000 of the sale proceeds to superannuation, without being constrained by the usual restrictions that otherwise apply to contributions, including contribution caps.

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How you think about your money and the approach you take when getting investment advice can impact your investment outcomes. Let’s look at the two main ways people think about their money and how that impacts investment decisions and outcomes.

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I’ve often been confounded by the notion of people wanting to get rid of money or assets so they can get the age pension or other government benefits. Here is a article in Cuffelinks that resonates strongly with me in rebuking an AFR article. Make sure you have a plan to achieve what is important to you.

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Once you establish a firm goal that requires you to save, the idea to start saving might sound easy, but it’s a big habit change for most people. One of the fundamentals to financial success is mastering the act of spending less than what you earn. Some tried and tested ways to save some extra cash, that in isolation don’t seem like much, but can make a huge difference over the long term are:

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Valuable advice is made up of different factors. Asking the deeper questions, applying appropriate advice, and following up ensures advisers can deliver what everyone desires: health, happiness, stability.

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