All Articles
May 10, 2023
Alternatives to Retiring Early
Winston Churchill was 65 in 1939 when World War 2 commenced. He had his most important, and arguably his best years, ahead of him. Ray Kroc founded McDonald at 52 years of age. And Harland Sanders founded Kentucky Fried Chicken when he was 62. Betty White got her major acting break at age 51. Nelson … Continued
Investment
May 5, 2023
Can I spend $20,000 every second year on travel and still retire at 60?
The second in our financial modelling series. Travel is a key goal for so many of us. This video looks at how we can determine what is possible. View it here: https://www.linkedin.com/feed/update/urn:li:activity:7054367669143162880
Uncategorised
April 28, 2023
When can I afford to retire?
This is the first in a series of short videos we’ve put together to demonstrate the value of financial modelling. Financial modelling and scenario analysis is frequently the core of how we assist our clients. Take a look here: https://www.linkedin.com/feed/update/urn:li:activity:7054365048458129408
Uncategorised
April 26, 2023
Should I Top-Up My Super?
This week’s post is another one inspired by a recent client question, one that we get asked multiple times each year. Should I be topping up my super? The primary motivation in seeking out an answer to this question is to determine whether you’re on track to have enough retirement savings for a comfortable and … Continued
Superannuation
April 19, 2023
5 Strategies to Achieve Financial Independence in Your 40s and 50s
As you guys know, the focus of our podcast is to help you gain choice through the achievement of what I’ve called Financial Autonomy. A very close cousin of the idea of financial autonomy is Financial Independence. Financial independence is the concept of owning assets that produce income such that it is not necessary for … Continued
Investment
April 12, 2023
4 Ways Higher Interest Rates Impact Your Share Portfolio
You’d have to have been living on a deserted island for the last 18 months to not know that interest rates have been on the rise. Central banks around the world are endeavouring to return rates to normal levels, following sharp cuts through the pandemic. Normalising rates is not without pain however, as many who … Continued
Investment
April 12, 2023
Mean Reversion’s Applicability for Long Term Investors
I try my best to avoid financial jargon, but “mean reversion” is one piece of jargon well worth being acquainted with. The “mean” is just a fancy way of saying the average. The concept of mean reversion then, is that investments and markets tend to want to pull back to their average over time. This … Continued
Investment
April 5, 2023
Navigating Decision-Making: A Guide to Managing Choice
If you’ve listened to a few of our podcasts, or read our weekly email, you will know that our core theme is helping you Gain Choice in life. This focus came about after working as a financial planner for several years. Particularly in my early years, the bulk of my work was facilitating people moving … Continued
Investment
March 29, 2023
6 Core Personal Finance Concepts
This week we’re going to look at 6 core personal finance concepts. These are concepts that it’s easy for those of us working in the space to assume everyone understands. It might also be that your understanding of what these terms means differs from industry definition. So let’s run through these core concepts together and … Continued
Investment
March 28, 2023
What is Luxury?
I came across a great story recently that got me thinking. A successful woman in her 50s observed that several of her younger colleagues at work, all in their 20s, were furnishing very expensive handbags. She realised that she’d never had a luxury item like that, and if these young folk could afford one, then … Continued
Investment
February 28, 2023
Stepping Stone: Navigating the Property Market as a Parent-Child Team
It’s not uncommon for our clients to want to assist their children get into the property market. Particularly in our major capital cities, we all know that prices are at levels that make it very difficult to accumulate an appropriate deposit and be able to service the level of debt required. Usually parental assistance into … Continued
Investment
Property
February 22, 2023
Stock Market Smackdown: ASX200 vs S&P500
The Australian share market has gotten off to a great start this year. Indeed the last 12 months have been fantastic. If you’ve been following along via the gaining choice email you will know that over the last 12 months, investors in the Australian market have gained around 11% inclusive of dividends whilst those investing … Continued
Investment