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The saying goes ‘’people overestimate what they can do in one year, and underestimate what is possible in ten years’’.  

We believe this is true. As you can imagine, we are always asking clients about their goals, and have a great interest in such concepts. Focusing on...

Super fund members are now able to carry forward concessional super contributions if their contributions in any given year fall under the $25,000 concessional contribution cap.

The new contribution catch-up rule, which took effect on July 1, means that fund members can...

The Royal Commission into the Banks is having a good old crack at (among others) the Financial Advice industry and we have no qualms with it at all. ‘Go Hard’ we say!

Many years ago, the Banks and Insurers deduced that the best way to get their products flogged was to t...

Over the break I had a chat with a highly intelligent lady who was explaining to me the three ‘Crypto’ currencies, including Bitcoin, that she is successfully trading to supplement her income. She had a strategy and plan, and all was going well. But It was clearly a ma...

(This is not classic financial advice but Sarah in our office came across this issue and was adamant our clients should be warned).

The offer claims you won’t have to pay any money unless your lawyer wins the case for you. They are called Contingent-Cost Agreements (CCA...

Nobody would blame you for assuming a policyholder needs to be dead to claim their Death Cover, however, buried inside policy documents is a ‘Terminal Illness Benefit’.

A ‘Terminal Illness Benefit’ pays out the full value of your cover if your attending Specialists deem...

Last week a radio advertisement piqued my interest by offering the ‘perfect’ Income Protection Policy.

I reviewed their website and the product they are offering is a simple ‘Accident and Sickness’ style contract they have badged, that has been around for the better par...

Keep an eye out next week for some very brave bosses in Super Hero costumes.

Friday the 26th of May is Heart Kids ‘Super Boss’ Day, challenging employers to overcome any public shyness and dress up as their favourite Superhero to raise funds and help with the fight agai...

Aged Care Advice is a specialty within Financial Planning Industry. When it’s time to place an elderly relative into an Aged Care Facility, it can be overwhelming and there is a big financial juggling act required to maximise their financial position. This is why a Spe...

Just like Economics, insurance premiums have a cycle, moving in between ‘hard’ and ‘soft’ rates.

A ‘Hard Market’ is where insurers are not clambering over each other to get your business. They may have had a really bad year of weather disasters or investment losses. The...

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