To many people, financial planning is perceived as something only for the wealthy. In fact, financial planning is about having long-term and short-term financial goals and developing a plan to achieve those goals, no matter your financial status. It’s about knowing how to make the most of your money – whether that’s putting a little extra into savings one month or paying off a bit of debt more quickly. The focus…  Read more

Operating and growing a business is tough, but it can be a lot easier with a business advisor in your corner. So what exactly is a business advisor? And do you really need one? In a nutshell, a business advisor provides business owners with ideas, valuable insights, and expert business advice on how they can manage their business more effectively. They can help you solve complex issues and bridge a…  Read more

Most superannuation funds will pay a sizeable death benefit if you die. Usually your super, which includes your account balance and any superannuation death benefits, will be paid to your dependents. This death benefit might provide a big difference to family members who were dependent upon you. This might be your spouse or children but could also be other family members or friends. Who is a tax dependent? A current spouse,…  Read more

Catching up on unused concessional contributions to super is a good way to boost your superannuation if you have had an interrupted income or haven’t been in a position to put as much into super as you’d like. Taking time off work to study, travel or care for your family, or prioritising other financial committments, often means you may not be in a position to make concessional contributions to super.…  Read more

When it comes to managing your finances, there are two professions that can help you understand your numbers, and ensure you have a plan to get to where you want to be. Accountants and Financial Planners can both play an important role in your financial success, but there are some important differences between the two. For any successful business, it is advisable to have both an accountant and a financial…  Read more

Insuring your car, home or other possessions makes sense. So why do so few of us insure ourselves? If illness or injury stopped you from working for an extended period, could you keep paying your bills? Income protection insurance gives you peace of mind that if the unexpected occurs, you and your family will be provided for. What is income protection insurance? Income protection insurance is an important way of…  Read more