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Empty Deck Chairs

What do you get with funeral insurance?

Funeral insurance may give you peace of mind but over time the premiums may cost you more than the funeral itself. Here are a few things to consider before signing up for funeral insurance.

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Market Update

Economic & Market Update – November 2017

In the latest update we review events in markets during October.

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Retiree Couple with Coffee

5 investment barriers to recognise if you’re over 55

Research shows the optimum age for making financial decisions is our early fifties.

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Food Table

Top 7 Foods That Boost Serotonin

What is Serotonin and What Does It Do?

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Working Man

Dealing with redundancy

How you spend your time and money after redundancy can make a difference to your future career and well-being. Find out how to plan for your best outcome.

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Umbrella

Do you have Multiple super accounts?

How many super accounts do you have? No doubt, some people have even more super accounts than credit cards.

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Market Update

Economic & Market Update – October 2017

In the latest update we review events in markets during September.

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Growing Money

New contribution opportunities

New super rules that took effect on 1 July this year have created new opportunities to contribute to super.

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Train

5 money mindsets that hold you back

What’s holding you back from taking control of your financial future?

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Pool Action

Protect the skin you’re in

With the sun starting to come out, it's time to Slip! Slop! Slap! - Seek & Slide too!

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Woman on laptop

Women and super – the facts

Did you know that around 90 per cent of women end up with not enough superannuation savings to fund the lifestyle they want in retirement?

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Intergeneration

Sharing financial wisdom between the generations

“My parents raised me to save money, set big goals, work hard and think about the future,”

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Change Ahead

Super reforms at a glance

What the super reforms could mean for you!

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Market Update

Economic & Market Update – September 2017

In the latest update we review events in markets during August.

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Mother Daughter

How my life changed when I became a carer

Many Australians will take on caregiver roles at some point in their lives.

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wetlands

4 simple ways to conquer stress & increase productivity

Our busy lifestyles often mean high levels of stress impacting productivity and health - practicing mindfulness could help reverse the effects.

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Blue Piggy Bank

Save early, save often

One of the underlying attributes of Australia's superannuation system is that it starts young adults saving for retirement as soon as they join the workforce.

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mature-couple-swing

To rent or own – retirement living options

In Australia there are both ownership and rental opportunities for retirement living options. Generally the deciding factor of whether you rent or buy is subject to your financial situation.

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Market Update

Economic & Market Update – August 2017

In the latest update we review events in markets during July.

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Family

Super – baby debt

Having a family can create a ‘super baby debt’ for mothers of up to $50,000 by the time they reach retirement age.

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cambodia-children

THE 2H PROJECT

Wallis-Smith Financial supports the Adelaide based charity ‘The 2h Project’.

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Scam road-sign

Stay Alert – Beware high risk scams

The ACCC is warning the community to watch out for investment scammers who promise the world but leave their victims with broken dreams and empty bank accounts.

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Mortgage

In your interest: a mortgage buffer

Homebuyers who make higher repayments than the minimum required are developing a valuable buffer to help cope with future rate rises or unexpected financial setbacks.

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Bicycle mature couple

Busting the $1 million retirement myth

How much do you really need for a better retirement?

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See the world

2017: The financial year in review

With the close of the financial year, it’s time to review what’s happened in investment markets.

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Lost Keys

Dementia is more than just forgetfulness

It may begin with forgetting where you left your car keys and can eventually lead to potentially dangerous situations such as forgetting to switch off the heater or kitchen stove.

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Market Update

Economic & Market Update – July 2017

In the latest update we review events in markets during June.

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Top 5

Top 5 Tips – New Financial Year

Sorting out your finances doesn’t have to be complicated, as even small savings can add up over the year.

Victoria gives her top 5 tips to help get you started.

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globe

Going Global

Australian investors may be well-aware of the basic diversification benefits of global equity investing relative to domestic investing, but franking credits tend to win the day and keep home country bias firmly entrenched in portfolios.

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women-leader-of-the-pack

Why more women need MONEY as a value

Our guest author Kelly Magowan shares her insights into the need for women to include money in their core values.

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2017 Calendar Picture

Make the most of your EOFY

Here are some opportunities that may provide for a tax-effective End Of Financial Year.

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Market Update

Economic & Market Update – June 2017

In the latest update we review events in markets during May.

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Top 5

Top 5 Tips – Tax deductions to remember

Well tax time is just around the corner….
Every year many people miss out on tax deductions that they are eligible to claim? Are you one of them? Here’s a hit list of the most commonly overlooked tax deductions.

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Education Boy Books Apple

Which school is right for your child?

It’s one of the most important decisions you can make for your son or daughter ― and one of the toughest. Here’s how to choose the right school for your child.

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Market Update

Economic & Market Update – May 2017

In the latest update we review events in markets during April.

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Mind The Gap

Super contributions – Mind the Cap

Are you making any extra pre-tax superannuation contributions? Mind the Cap!

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Marriage Rings

The truth about divorce

The breakdown of a relationship is a sad and stressful time for everyone involved. Getting some advice can help make it easier – especially where your finances are concerned.

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Family

Counting the cost of a curve ball

Here’s a confronting question: what would you do if the main breadwinner in your household could no longer bring in an income?

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Cropped Budget Blue

2017 Budget Summary

First home savers, downsizers and small business are winners in Treasurer Scott Morrison’s second Budget

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Helping Hands

2017/2018 Entertainment Books

Wallis-Smith Financial are supporting ME/CFS Australia (SA) Inc.... How can you help??

Order your NEW Entertainment Book here now!

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Deckchair Sunset Couple

Facts about retirement

Before you put off planning for your retirement any longer, here are some key facts you should consider.

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$ Balls

Will your super be subject to ‘death tax’ after 1 July?

If you plan to leave your super to your adult children, it may be hit with more tax from 1 July, due to the removal of a little known gem called the anti-detriment payment.

By Sam Wallis-Smith

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Family Unit - Piggy Backs

3 financial tips for responsible parents

We all want our children to have the best possible future. Here are three things you can do today to help give your kids a good start in life.

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Market Update

Economic & Market Update – April 2017

In the latest update we review events in markets during March.

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Excercise

What type of exercise is right for you?

Is it better to run a marathon or do interval training?

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Intergeneration

Some Australians are banking on inheritance to secure retirement

Too many Australians may be relying on the inheritance to pay off the mortgage and ensure their financial security in retirement.

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Spread the Word

Spread The Word…

When you’re onto a good thing, don’t keep it to yourself!

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Empty Deck Chairs

What is a Testamentary Trust?

Testamentary Trusts can save your family thousands in tax each and every year though income splitting opportunities and also provide a level of asset protection to benefit future generations.

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Market Update

Economic & Market Update – March 2017

In the latest update we review events in markets during February.

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House

Make your house pay for your family gap year

What to do with your home while your family spends a year abroad.

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Holiday Pig

Take a long break — without breaking the bank

They say that travel is the only thing you can buy that actually makes you richer!

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Market Update

Economic & Market Update – February 2017

In the latest update we review events in markets during January.

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Top 5

Top 5 Tips – To save money in 2017

If you have a hard look at your finances, there are almost certainly lots of small steps you can take to reduce your day-to-day costs and increase the money in your hand. Here are some great ways you could save money across major household expenses.

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Aged Care Hands

Aged Care in your own home

Most people like the idea of remaining in their own home for as long as possible as they grow older. Maintaining independence and control over day to day living is understandably an issue very close to peoples’ hearts.

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Chess

A certain strategy for an uncertain market

One way that numerous investors avoid falling into the market-timing trap is to keep on making new investments throughout changing market conditions. This is the straightforward practice of dollar-cost averaging.

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Healthy Lifestyle

Make the most of your health insurance

If you have health insurance, chances are you’re paying for extras, including some complementary therapies.

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Abacus Girl

Saving – It’s never too late!

As a kid, one of the first lessons we all learn about money is how to save – you know the drill, $1 in the piggy bank each week and pretty soon you’ve got yourself your first toy, bought with your very own money.

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Market Update

Economic & Market Update – January 2017

In the latest update we review events in markets during December.

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Contemplating Woman

Grey debt and the ‘bank of mum and dad’

The combination of high house prices, low interest rates and low inflation are making it more challenging to retire debt free.

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Uluru

Australia’s top 10 must-sees

How many of these domestic bucket-list places have you seen?
If you’re planning a trip, it might be worth swapping your next overseas holiday for an adventure closer to home.

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Contemplating Woman

2017 Age Pension changes – Are you worse off?

Changes to the Centrelink assets test from 1 January 2017, have impacted many Age Pensioners and other pension recipients.

By Sam Wallis-Smith

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Food Table

10 Superfoods to keep you young

As the old saying goes, you are what you eat - half way through the festive season many of us are feeling it too! here are 10 everyday foods proven to help in the battle against some of the most common age-related health issues.

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Market Update

Economic & Market Update – December 2016

In the latest update we review events in markets during November.

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See the world

2016: The year in review

Brexit, Donald Trump, concerns about China’s economy, bond yields going negative: it’s been unusual and challenging year for investors.

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padlock

Protecting your money

Older people are particularly vulnerable to financial abuse because they are often dependent on family members and other people for their day-to-day care or social contact.

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white-christmas

Feeling a bit… bah humbug?

If you’ve had enough of the Christmas cheer and want to escape the hustle and bustle of shoppers and merrymakers, here are some ideas for you to enjoy the festive season in a different style.

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Sheep

The power of herd mentality

That we move in herds is evident all around us: in business, in the consumer world and particularly in investing. But why does herding happen?

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Presents

What will this Xmas cost you?

Looking forward to the festive season but worried about the impact it will have on your wallet?

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The Whitehouse

America at the crossroads?

The political circus has ended, the campaign tent is now folded. Americans have elected Donald Trump as their new President.

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mazda-in-country

Buying a car – New vs Used?

There’s no doubt that buying a new car is pretty exciting – brand new cars have all the latest technology, don’t come with any dings or scratches, and of course, there’s that new car smell you just can't duplicate.

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women-leader-of-the-pack

Women & the importance of super

Women tend to live longer than men, making it even more essential that they accumulate enough superannuation to last through retirement.

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cambodia-children

The 2h Project

Wallis-Smith Financial supports the Adelaide based charity ‘The 2h Project’.

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Food Table

International living ?

There are plenty of good reasons to think about moving overseas. But are you ready to live it up abroad?

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Retiree Couple with Coffee

Not all super pensions created equal

Not all super pensions are created equal - with those commencing before 2015 treated differently to newer accounts by Centrelink.

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Growing Money

Save small. Win big

With almost half of Australians reportedly living pay-cheque to pay-cheque^, it seems many of us will struggle to put our saving plans into practice.

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mature-couple-swing

Financial advice boosts confidence in retirement

Seventy-seven percent of Australian pre-retirees who haven’t enlisted the help of financial professionals don’t feel prepared for retirement.

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Top 5

Top 5 Tips – What not to do with debt

It's easy to get in trouble with debt - Our Top 5 Tips will help you steer clear of the pitfalls.

By Victoria Wallis-Smith

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Change Ahead

Super reforms at a glance

The proposed super reforms at a glance

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People stacking piggy banks

Does super still shape up?

Following a backlash from within its own ranks, the Government has amended several of its key superannuation reforms announced in the May Budget. We review the changes and consider whether super should remain the savings vehicle of choice for Australians.

By Sam Wallis-Smith

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Empty Deck Chairs

Paying for a funeral

The cost of a funeral can be from $4,000 to $15,000, a significant financial expense at a time that is already stressful.

We look at some options to ease the burden on your family.

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Mortgage

Keys to de-stressing a mortgage

“Don't sail out farther than you can row back.” This Danish saying is sound advice for anyone thinking of borrowing to buy a home, particularly now that interest rates are low and house prices are generally rising.

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See the world

The Bigger Picture

By 2050 for the first time in history, there will be more people aged 60 or over than aged 10-24 years.

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Family

3 ways to protect what matters

It’s great when things go according to plan - but in case they don’t, you need a financial safety net. Here are three ways to protect what matters most.

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Rock Climbing

True Grit – Why perseverance beats skill

What’s the best predictor of success in a person’s life?“ Grit,” says psychologist Dr. Angela Lee Duckworth.
Passion, perseverance, and stamina outweigh IQ as a predictor of success.

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Aged Care Hands

Clarifying nursing home costs

So you have chosen, or been offered, a bed in a nursing home where you would like to live, but how much do you have to pay?

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Coloured Arrows

How to invest $100,000?

Let’s imagine for a moment that you’ve just come into $100,000…

Victoria Wallis-Smith looks at the best place to invest to maximise your income.

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Abacus Girl

Teaching kids about money in a cashless society

Is it harder to teach the “value of a dollar” to a child if you cannot place a coin in their hand?

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UK EU Flag

BREXIT: Hello Goodbye

In a surprise outcome, Britain has decided to LEAVE the European Union. While the reaction and full implications of the referendum will continue to evolve, we answer some of the initial questions investors are asking right now.

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Intergeneration

The Sandwich Generation

The Sandwich Generation: people in their 40s and 50s, caught between the demands of aging parents and dependent children.

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House

Is a home swap holiday for you?

With accommodation one of the biggest holiday costs, home exchanges are becoming an increasingly popular way to travel. Here’s what you need to know.

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Awards

MLC Inflation Plus

MLC was awarded "Asset Allocator of the Year" for the MLC Inflation Plus Assertive portfolio at Money Management's Fund Manager of the Year 2016 awards.

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Top 5

Top 5 Tips – For June 30

With the end of the financial year approaching, it's a great time to make smart decisions about your finances.

Victoria Wallis-Smith outlines what you can do before 30 June to open up more opportunities.

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Happy Clients 20 Years

20 years of advice

We were thrilled to share our 20 year anniversary this month with some of our longest standing clients.

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White Picket Fence

The new Australian lifestyle isn’t so average

Overseas holidays, new cars and having the latest technology aren’t considered luxuries anymore, but are standard lifestyle expectations of the new ‘average’ Australian.

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Chianti 20 Years

Celebrating 20 years!

It feels like it was only yesterday!… so it’s hard to believe that it’s been two decades since Wallis-Smith Financial Planning opened its doors.

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Ipad Girl on Couch iStock

Unplugging the children

If your kids are spending more time on screens than in the great outdoors, it’s time to take action. Here are five ideas to help them ‘switch off’ – and reconnect with the real world.

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Budget Blue

2016 Budget Summary

Significant changes to super rules will hurt wealthy Australians, and create opportunities for others.

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Retired Man with Dog & Cat iStock

Many Australians are counting on support in retirement

Many Australians are not confident they have enough to support their retirement, 43% say they will need to rely on support.

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Red House Money

A better way to manage your mortgage

If you want to repay your mortgage quickly and still have easy access to your additional repayments, an offset account may be worth using.

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Aged Care Hands

Considering aged care? What you need to know

If the need for residential aged care is nearing, following these five steps will help you make a smoother transition.

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Top 5

Top 5 Tips – The art of saving

Most people can save for a holiday, or a new sofa – the small stuff is easy. So why is consistent long term saving such a struggle?

By Victoria Wallis-Smith

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Emotion/Logic Pegs

How to avoid investment behavioural traps

Investment markets are unpredictable. Just when you get used to a period of strong returns, suddenly you can be faced with a wild share market rollercoaster and begin wondering whether you should get off.

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Woman on laptop

Are women smarter investors than men?

“Greed is good,” Gordon Gekko famously announced in Wall Street, immortalising the notion that brash, testosterone-fuelled risk taking is the key to investment success. The problem is – it isn’t true.

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Mortgage

Super vs the mortgage

Many people wait until their home loan is paid off before investing extra into their superannuation - But is that the best way?

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Top 5

Top 5 Tips – Investing in tough times

There's no denying investment markets have been challenging so far in 2016...

By Victoria Wallis-Smith

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Retiree Couple with Coffee

Can I afford to retire?

It’s the most common question asked by new clients, and the burning issue for many pre-retirees.

Many figures are bandied about, and it’s common to hear that we need more than $1m in super to retire in comfort.

By Sam Wallis-Smith

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Mum with teen girls

When your kids won’t leave the nest

Still have adult children living at home?

These tips will help you keep your cool.

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