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Why It’s Not Enough to Have Your Balance Go Up Every Year

22/2/2021

 
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​Most people have some money saved for their retirement. Whether this is in superannuation or across other investments, they have generally thought about their retirement and are preparing for it. The issue is that many people are not proactive about their super. Each year, or each month, they get a balance statement, and if they see it has gone up, they are happy and think ‘I’m on track’. Unfortunately, that is not enough. The fact that the balance has gone up is actually irrelevant to whether or not it will be enough for them to retire with.

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What if My Super Drops by 30% When I Retire?

15/2/2021

 
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​This is a pretty common question we get from our clients. It’s an understandable fear, given that market volatility is real. Fortunately, the situation is not as dire as it seems – even if you happen to retire the day before a big crash in the market.

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We want personalisation, not choice

12/2/2021

 
Older couple being affectionate outside
We’re going to get a little philosophical here and make this statement: people in the modern world want lots of choice in their lives. They want options when it comes to making decisions. And with modern technology, information is abundant – providing so many options for everything we do.

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Listener Question: Building a Separate Two-Bedroom Cottage

10/2/2021

 
Older couple sitting inside and eating off a box
This week, we have a listener question from Linda. Linda and her husband live on the Sunshine Coast and are 5 years away from retirement. They have $200,000 in cash and her question is whether they should invest the money into superannuation, or use it to build a 2-bedroom cottage on their existing acreage, allowing for dual occupancy. The detached cottage would provide an income stream for Linda and her husband over the next 5 years and continue into their retirement. Linda and her husband might move into the cottage later on in life and rent out the main property instead, for about $600 a week.

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Listener Questions – Small Business Tips and Traps

5/11/2020

 
Man doing calculations
We received another listener question today, from a small business owner called Kerry. Kerry is in her early 60s and, like many in her situation, she is close to retirement but only has a small amount of money in her super. Her husband is not able to work, so they rely solely on her income.

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The highest and lowest possible outcome for your retirement

29/10/2020

 
Couple reading something together
​​What do all of our clients have in common? They all want the best outcome for their retirement. Everyone does - they want their money to ‘work for them’ in the best possible way. Unfortunately, like everything in life, the desired outcome is not always achieved.

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Retirement planning is a series of sprints, not a marathon

21/9/2020

 
Older couple dancing in kitchen
​When running a few km's, the whole time you think about how far left you have to go until you're done. When you are doing a few short sprints, all you think about is the small distance you are running right at that moment.

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5 legal loopholes to take advantage of

8/9/2020

 
Couple preparing vegetables in kitchen
​A large part of what we do is taking the time to understand the legislation involved in the financials of Australians and figuring out ways for us to use it to the advantage of our clients.

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How to avoid a 17% inheritance tax

1/6/2020

 
older couple on bench at the beach
​A big part of a financial planner's role is to minimise the tax you pay as much as possible, this even includes the tax your loved ones will on the assets you leave behind when you pass away.

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Semi-retirement

11/5/2020

 
Man working on his hobby
​One of the key things involved with retirement planning is finding out what the clients retirement goals are. Usually, this would involve a time where they would move from full-time work straight to fully retired.

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