All Articles
February 16, 2022
Parents, Adult Children, & Money
Nearly every client I work with who has children give some thought to how they might help them out in adulthood. For those with young or teenage children, the thoughts are often around assisting them into the property market via a lump sum gift to bolster their potential deposit. For clients whose children are beyond … Continued
Investment
February 12, 2022
How to Convert Great Income into Financial Security
One of the most common reasons clients engage us through the Financial Autonomy programme is a realisation that all their hard work is not translating into financial wealth and security. It generally seems to be that people in this predicament have put all their energy and focus into developing their careers and therefore just haven’t … Continued
Investment
Superannuation
February 9, 2022
How to use the Greatest Tax Perk in Australia
Often when people think about making the transition from full time work to semi or complete retirement, there is consideration given to rejigging existing investments, whether to produce more income, reduce debt, or improve tax efficiency. But selling investments typically incurs capital gains tax and much of the planning work we do for our clients … Continued
Investment
Property
February 6, 2022
The Investment World Has Changed
In my recent New Year letter to our financial planning clients at Guidance, I proposed that investment markets are today less risky than they were in decades past. Whereas once governments and policy makers could largely leave the stock market to do what it likes, in the last decade especially there has been far more … Continued
Investment
February 2, 2022
Building Wealth Efficiently
You’re busy with your career and personal life. You don’t need your wealth creation plan to suck up hours of each week. So how can you best put your earnings capacity to work to secure choices for you down the road, without the plan adding to your already full schedule? This week I’m sharing 7 … Continued
Investment
February 2, 2022
2 Unconventional Strategies the Rich use to get Richer
I’m into my 22nd year of helping Australian’s gain choice through building wealth and financial independence. Much of what I share draws from the clients that I interact with every day. The entire Financial Autonomy framework was built by reverse engineering how my most successful clients achieved their success. In that vein, today I wanted … Continued
Investment
November 9, 2021
The Three Pathways to Achieving Financial Autonomy
If you’ve been listening to this podcast for a while, and certainly if you’ve read my book, you’ll be aware that we adhere to a framework in helping people gain choice. A core element of that framework is the three pathways. The entire Financial Autonomy framework, and in particular these three pathways, are the product … Continued
Investment
Property
Self-Employment & Side Hustles
November 9, 2021
When to Sell Your Shares
When it comes to stock market investment, buying is easy, selling is hard. It’s interesting how there’s always so much talk about exciting new opportunities and yet rarely is the exit plan discussed. Well, let’s address this common investment strategy oversight and help you decide when it’s time to sell your shares. Selling Strategy … Continued
Investment
November 2, 2021
Understanding Asset Classes
In financial planning, and particularly in portfolio construction, consideration of asset classes is absolutely foundational. But are we all on the same page when it comes to asset classes? When I use that term, are you thinking the same thing as me? This week I’m going to take you through everything you need to know … Continued
Investment
October 27, 2021
Breaking the mental barriers upon receiving an inheritance
Breaking the mental barriers upon receiving an inheritance Receiving an inheritance can often come with plenty of baggage attached. The most obvious is that someone has had to die, usually someone very close to you, for you to be the beneficiary of this financial gift. But the challenges don’t end there. Many of the … Continued
Investment
October 12, 2021
Why Do Bond Markets Matter to the Stock Market?
After 10 consecutive months of gains, the Australian share market declined in September, heralding a period of volatility that continues today. There is never a single catalyst driving markets, instead there’s a confluence of views that tend to drive either positive or negative momentum. But in this most recent period of volatility there has been … Continued
Investment
October 6, 2021
5 Steps to Becoming a Millionaire
With the median house price in Australia’s two largest cities now north of a million dollars, being a millionaire isn’t perhaps as significant as it once was. As a milestone though, getting to the point where your net assets pop over the million-dollar line remains significant, and something worth taking pride in. Here at Financial … Continued
Investment
Property
Saving Strategy