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Financial Autonomy - Navigating Decision-Making: A Guide to Managing Choice

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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

February 22, 2023

Solving the Asset Rich, Cash Poor Problem at Retirement

Given the large increases seen in property values in recent decades, combined with more and more of us living well into our 90s, the problem of being asset rich and cash poor is becoming increasingly common. Another way to frame this problem is something an old neighbour said to me once, “Paul, you can’t eat … Continued

Superannuation

February 8, 2023

Finding the Balance between Lifestyle and Long-Term Goals

The goal of this podcast and the work we do with many of you one on one in our financial planning relationship, is to help you gain choice in life. This goal implies at its heart that having choice is a good thing, and in the context it’s intended, such as having the choice to … Continued

Investment

January 17, 2023

5 Tips to Set Yourself Up For A Fantastic 2023

The new year has arrived, you’re re-charged, it’s time to release the hand brake and get moving! Welcome back for another episode of the Financial Autonomy podcast, where our goal is to help you gain choice in life – perhaps that’s the choice to cut back to working 3 days per week, maybe it’s making … Continued

Investment

January 17, 2023

What is a Reasonable Price to Pay for an Investment Property?

In the Financial Autonomy framework there are three pathways to gaining choice, identified through my many years of working with clients and seeing how those who have successfully gained financial security and freedom have achieved this feat. Those three pathways are investing in shares, investing in property, and self-employment or entrepreneurship. As explored in the … Continued

Property

December 21, 2022

Why is record low unemployment a bad thing? What is driving markets right now?

Last week in one of our progress meetings I was asked by a client a very sensible question “why is record low unemployment a bad thing?” His question arose from a news report that was attempting to explain the economic challenges currently faced and the concerns for 2023 and beyond. One of the explanations offered … Continued

Investment

December 7, 2022

What’s a reasonable price to pay for an investment property?

In the Financial Autonomy framework there are three pathways to gaining choice, identified through my many years of working with clients and seeing how those who have successfully gained financial security and freedom have achieved this feat. Those three pathways are investing in shares, investing in property, and self-employment or entrepreneurship. As explored in the … Continued

Property

November 22, 2022

What can we learn from past market downturns?

I’m sure you don’t need me to tell you that investment markets around the world have been experiencing challenging times over the past year. Shares, bonds, and property, everything is down and there’s been few places to hide. So this week I wanted to consider what we could learn from past market declines. What can … Continued

Investment