All Articles
November 16, 2022
How to Manage Sequencing Risk
What is Sequencing Risk? If we’re asked what sort of return should be expected from an investment over the long run the tendency is to rely on the long term average, or perhaps lean on the conservative side and round down a percent or two. The reality however is that from one year to the … Continued
Investment
November 9, 2022
3 Tips to Rapidly Accelerate Your Wealth Creation
Let’s talk about wealth creation. Specifically what can we do to accelerate it, hit the fast forward button. Of course there’s all the standard and perfectly prudent advice that we’ve covered many times before, spend less and save more, chase a new higher paying job, and ensure any surplus cash is invested and working rather … Continued
Investment
Property
Superannuation
October 23, 2022
What are franking credits and how do they work?
So what are franking credits? You might also see them referred to as imputation credits. These are the same thing. These credits represent tax that has been paid on your investment. They relate only to Australian shares, and then only to the portion of profits that those Australian companies have generated within Australia and paid … Continued
Investment
September 27, 2022
18 ways to Build Passive Income that work in Australia
I’ve been researching all the ways one might go about generating Passive Income. Unfortunately, many of those found on the web won’t work in Australia. So I’ve produced a custom list especially for those of us on the largest island in the Southern Hemisphere. Here’s what I’ve come up with: 1. Low input business 2. … Continued
Investment
Property
Saving Strategy
Self-Employment & Side Hustles
September 21, 2022
Holding Your Nerve When Markets Are Down
This post was inspired by a call I had with one of our clients, Nicola, yesterday, who was sweltering up in Darwin. So a shout out to you Nicola, thanks for the inspiration. If you’re feeling a little unnerved at the moment about your investments, you’re not alone. Shares, property, and bonds have all seen … Continued
Investment
September 21, 2022
Strategies and Opportunities in a Rising Interest Rate World
We knew the super low interest rates of last year weren’t going to be here forever, but the speed with which they are snapping back has been surprising. So in this weeks episode I wanted to canvas some of the issues I’m talking with clients about right now when it comes to the impact of … Continued
Investment
September 14, 2022
Wrong! – 3 things I got wrong
For over 6 years now I’ve released weekly podcasts and emails exploring the idea of Financial Autonomy and gaining choice. The content is informed by the wonderful clients that we get to work with, many of whom are listeners. I’m constantly learning, and sometimes what you learn contradicts what you thought you knew. This week … Continued
Investment
Self-Employment & Side Hustles
August 31, 2022
Understanding Superannuation Contributions
Australia’s superannuation system is complex. Yet it’s an area that we all need to interact with given the compulsory nature of contributions and the policy end game of having the age pension serve only as a baseline, basic living provision, rather than something that can support the comfortable retirement that we would all hope to … Continued
Superannuation
August 31, 2022
How to De-Stress Your Personal Finances
As regular listeners would know, professionally I am a financial planner and own a business called Guidance Financial Services. Our stated purpose as a financial planning business is to eliminate worry for our clients about their financial future. That begs the question, why do people worry about their financial future, and what simple ideas can … Continued
Investment
August 31, 2022
Tax
This week I thought we’d talk about tax. Strategies to minimise tax are often high priorities for those seeking financial planning advice. In this episode we’ll take a look at some of the most common taxes that we as Australians face, pick apart some of the mechanics on how they work, and consider whether it’s … Continued
Investment
Property
August 3, 2022
Planning for a Sabbatical
Whether it’s packing up the family and doing a road trip around Australia, taking some time off to focus on your postgraduate studies, or just recharging the batteries with a few months on the Greek Islands, some sort of mid-career sabbatical is on the agenda for many of the people that we work with. In … Continued
Saving Strategy
July 27, 2022
Could You Be Enjoying Life More Now?
Prudence is drummed into us. Save more, spend less, set yourself up for the future. But could we be putting too much focus on the future and ignoring the here and now? When I interviewed Matt from the Aussie FireBug a podcast a few months back he noted that in hindsight he wished he’d travelled … Continued
Saving Strategy