Investment

Financial Autonomy - 3 Tips to Rapidly Accelerate Your Wealth Creation

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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

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

June 22, 2022

Australia’s Financial Advice Landscape

Australia’s financial system is complex. It also requires that we as individuals take charge. Whilst it’s likely that the Age Pension will continue to provide a baseline of support for those late in life, our system is designed around people providing for themselves. So we’re presented with an interesting challenge. A complex system, but one … Continued

Investment

May 18, 2022

Why does Inflation matter?

Most of us recognise that interest rates were unusually low for a time, to counter the economic effect of the COVID pandemic. We knew that at some point they would return to normal. But what is normal, why are they going up now, and why has this got share and property markets so rattled? One … Continued

Investment

March 30, 2022

The Balancing Act

  How do we juggle the desire to save for the future, with the need to live life to the fullest today?   Is 6 months backpacking around Europe in your 20’s more valuable than being able to buy a beach house in your 50’s? Is pushing hard on the mortgage today the wisest course, … Continued

Investment

Saving Strategy

March 23, 2022

How to Build your Financial IQ

We’re fortunate to live in an age where information is at our fingertips. If you’ve gotten more interested in investing and financial markets in recent years you’re not alone. It seems the combination of anaemic interest rates on bank savings, a proliferation in apps that make low cost investing easy, and reduced spending during COVID … Continued

Investment

Saving Strategy

Superannuation