Thoughts

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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When we first meet a new client we like to start without any assumptions. We really want to understand what’s important to them, what success for them looks like and why? It was nice to see that Vanessa Bennett from Next Evolution Performance is also talking about the same thing in a recent workshop. Here is how Vanessa looks at defining success.

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Every person finds their own value from good financial advice. While some value a single point of contact, others value the advice team’s ability to have a bird’s-eye view of their complex financial situation. Our critical elements of financial advice are below.

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Recently I worked with Jim Stackpool and a number of other planners who share the same beliefs as we do, from the Certainty Advice Group, on a white paper titled Our Secret Financial Insecurities. One of the things we focused on was ‘facing our financial fears’. Here is a look at some of the things we discussed.

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