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Family

Closing your insurance gap

A fundamental personal finance trap is to assume that your super fund's default insurance cover is adequate for your circumstances. Chances are it isn't.

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Christmas Gift

Get ready for Christmas with our top festive tips

Christmas is a joyous time but the lead-up to the festive season can be stressful and can really stretch your finances. Here are some easy ways to spread Christmas cheer without blowing your budget.

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Home Run

Step 3: Managing Risk

5 Steps To Financial Independence
Insurance - Whether you cringe or yawn lets make sure you have all your bases covered!

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Family Unit - Piggy Backs

Pay yourself first

Here are three simple ways to help you get ahead and pay yourself first.

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Millenial group

Dollar-cost averaging for millennial investors

Dollar-cost averaging simply involves investing the same amount of money into shares or other securities at regular intervals – whether prices are up or down.

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Team

The unstoppable rise of investing with purpose

Socially responsible investing has skyrocketed in Australia over the past few years. What does it mean to invest responsibly and what is its impact?

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Wallett Squeeze

3 ways to escape the credit card debt trap

3 steps to take if you have credit card debt that’s holding you back!

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Market Update

Economic & Market Update – November 2018

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

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Time grow money

Compounding your rewards

While compounding isn't exactly "magic" – as it's sometimes called – its rewards are clear!

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Growing Money

Step 2: Compounding

5 Steps To Financial Independence
Forget location, location, location - Now, think regular, regular, regular!

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Couple with Dog

Check your credit health

If you've ever applied for credit or a loan, there will be a report about you with a credit reporting agency which lenders use to assess your ability to repay credit. You can get a free copy of your credit report each year to make sure it is correct.

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Aged Care Hands

Royal Commission into Aged Care

Scott Morrison recently announced a Royal Commission will take place into the Aged Care Sector.

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Green eye

Beware of money envy

We might think that having more money will solve our problems. But by spending less time and energy sizing up our situation against how others live, we can get clear on the goals that matter and take steps towards a better financial future.

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Market Update

Economic & Market Update – October 2018

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

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lunch-box-200762_1280

Eating out or in, which is better?

How much is eating out really costing you? It might surprise you to learn that most of us spend about $100 every week on lunches.

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Concerned Women Laptop

Dealing with debt: smarter ways to live with your liabilities

Not all debts are created equal.

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Top 5

Top 5 Tips – Family Budgeting

Here's five ways to stay out of the red now and to get you into the black in the future!

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$ Balls

Step 1: Less Debt, More Savings

5 Steps To Financial Independence
"Thrifty" is not a bad word... it doesn’t mean doing without – quite the opposite. Follow these tips to build up your savings - the first step towards achieving financial independence.

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Meerkats

We’d love to meet your friends

Keep a lookout - We love hearing your stories, solving your problems and watching you grow & we love meeting your family & friends too!

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Business

Are you addicted to your phone?

Keeping connected is paramount in today’s digital society, but is our in-consumable obsession with our smartphones taking a toll on our inner health?

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Market Update

Economic & Market Update – September 2018

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

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White Picket Fence

Preparing your home for sale

Small ‘do it yourself’ home improvement ideas that can enhance the appeal of your home for selling.

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Bad Day

How to avoid bringing your day home with you

Here are five tips guaranteed to leave you with a happier face for your loved ones at the end of a long day.

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Spoons

5 ingredients of a great super fund

If you stay with the default super fund provided by your employer there’s a chance you’ll miss out on thousands in super. Here are five things to look for in a super fund that could boost your super savings.

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Scam road-sign

Stay Alert – Beware people wanting access to your computer

Beware scammers wanting access to your computer and bank account.

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women-leader-of-the-pack

The power of financial role models

Role models are important in many stages of life. Be it school years, on the sporting field or in your career, having a positive role model, someone to compare yourself to and measure your progress against, can be a powerful and positive influence.

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Market Update

Economic & Market Update – August 2018

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

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cambodia-children

The 2h Project

Wallis-Smith Financial supports some of those who are most in need. We do this in conjunction with the Adelaide based charity ‘The 2h Project’.

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Dice - Profit Loss Risk

Handling volatility

6 long-standing suggestions of smart ways to handle higher market volatility.

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Royal Commission1

Royal Commission – Super under scrutiny

Superannuation - most Australian adults have it (whether we want it or not), we rely on it to fund our retirement, and at $2.6 trillion it’s one of the largest pools of investment money on the planet - so how come super is letting us down?

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Empty Deck Chairs

Estate planning for business owners

It’s important to think ahead and not only protect the wealth of your business but also your family.

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Market Update

Economic & Market Update – July 2018

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

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Train

What’s the risk of not understanding risk ?

We look at the way to bridge the gap between real life risks and investment risks.

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House

A guide to buying your first home

You want to buy your first home, but you don’t know where to start - Here's a quick guide to help you get started.

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See the world

2017 – 2018 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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Divorce Hand

The financial ‘to-dos’ after divorce or separation

The early days of a divorce or separation can be a real challenge - Here are ten steps that’ll help sort your finances so you can focus on the important things.

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Mortgage

Budgeting 102: Sticking to your budget

Even the best budget can unravel if the right tools are not in place. Here we talk about how to stick to your budget.

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White Picket Fence

Super opportunity for first home buyers

Legislation has passed that will enable eligible first home buyers to save for the deposit in the concessionally taxed superannuation system.

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Dice - Profit Loss Risk

Measuring fear and greed on wall street

What are fear and greed and what do they mean if you’re an investor?

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Wallett Squeeze

When things don’t go to plan

If you’re experiencing financial difficulty – if you’ve taken some hard knocks – then you’ll know how quickly things can spiral. We look at five ways you can take charge.

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Market Update

Economic & Market Update – June 2018

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

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5 Minutes

More super – less tax

The end of the financial year is fast approaching – and this year, there’s a new way to help you save on tax while boosting your super.

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Umbrella

Millions of multiple super accounts erode savings

One of the simplest ways to make your retirement savings more efficient and less costly is to get rid of needless multiple super accounts.

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The road ahead iStock

We’re saying no to commissions

For many years our business has been built on a flat dollar fee model, we are pleased to extend this model to advice in all areas.

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Rock Climbing

Volatility: An investor survival guide

Financial markets can be subject to periods of event-related volatility during which confidence can be significantly undermined. Here, we provide 10 key messages to help you through volatile times.

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Market Update

Economic & Market Update – May 2018

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

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Blue Piggy Bank

Smart super strategies for this EOFY

Want to help boost your retirement savings while potentially saving on tax? Here are five smart super strategies to consider before the end of the financial year.

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Education Boy Books Apple

School of hard knocks: public vs private education

From kindergarten to Year 12 do you know the total cost of putting a child through school in Australia?

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Cropped Budget Blue

2018 Budget Summary

Scott Morrison’s third budget is headlined by $140 billion in tax cuts over the next decade, immediate tax relief of up to $1,060 a year for middle-income households and a fundamental reform of the tax system - as well as some interesting new options for retirees.

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5 Minutes

Why your retirement intentions are critical

Have you given much thought to the age that you might eventually retire?

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Couple with Dog

How to avoid late payment fees

None of us like paying late payment fees on our credit cards. Here are our tips to help you avoid missing a credit card payment and being charged a late payment fee.

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Royal Commission1

What’s wrong with financial planning?

With the banking royal commission unearthing horror stories of poor advice, unethical practices, and downright criminal activity it's fair to ask 'what's wrong with financial planning?'
By Sam Wallis-Smith

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Empty Deck Chairs

A Will isn’t always the only way

You would have heard the saying: “where there’s a will, there’s a way”.

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Market Update

Economic & Market Update – April 2018

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

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Marriage Rings

Wedding planning: Budgeting tips for your big day

With the average Australian wedding costing over $65,000, is it more financially savvy to say 'I do' or 'I don't' to a big budget wedding?

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Mother Daughter

Looking after your finances when looking after others

Looking after others can be very emotional and stressful, but it's important to look after yourself and keep an eye on your finances too.

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Mortgage

Budgeting 101: Working out your income and expenditure

Working out a realistic budget is a great way to take control of your finances. In this article we look at how to ‘do the numbers’.

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Blue Piggy Bank Stand Out

Upsize your super with downsizer contributions

New legislation allows retirees to top up superannuation following the sale of their home.

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Family

Get your finances ready to start a family

Preparing for parenthood is an exciting time, but don't let the cots and cuddly toys distract you.

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Woman on laptop

How to add thousands to your super in just 10 minutes

A simple super oversight is costing Australians thousands of dollars in their retirement, and young women are particularly at risk.

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Market Update

Economic & Market Update – March 2018

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

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Retired Man with Dog & Cat iStock

Power of retiree super dollars

With the waves of baby boomers now nearing or entering retirement, it is hardly surprising that the ranks of retired super members is rapidly growing. Yet the extent of that growth may surprise you.

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People stacking piggy banks iStock

2018: A balancing act

If you try to call the top of the equity market, one of three things will happen. You will get it just right, be too early or be too late.

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Couple with Dog

Jump-start your retirement savings

Unfortunately, many people would reach their mid-fifties and conclude that their savings are not on track to finance a satisfactory lifestyle in retirement.

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Growing Money

Reconsider super nominations

You may want to consider changing any nomination you have made for your super in the event of your death, now that new super rules apply.

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Market Update

Economic & Market Update – February 2018

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

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Clouds

With our Heads Firmly in the “Cloud”

So much of our data is stored in the “cloud” these days. But where exactly is your data? Is it safe? And why are companies comfortable putting your valuable information into this virtual world?

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Mortgage

Offset accounts: 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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See the world

2017: The Year in Review

2017 was a very positive year for investors.

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$ Balls

Virtual Currencies

Many virtual currencies, such as Bitcoin have emerged over the last 10 years but just how safe are they? We explain how virtual currencies work and the risks you take buying, trading or investing in them.

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Market Update

Economic & Market Update – January 2018

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

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Working Man

Laterpreneurs: Taking on encore careers

Once upon a time, people went out, got a job and stayed there for the rest of their working lives. But “a job for life” is no longer an option for most working Australians.

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Growing Money

Manage caps on super pensions

If you have a spouse and have (or are likely to have) more than $1.6 million in super, there are things you can do to improve your situation when you retire.

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Holiday Photos

9 top tips for capturing the best travel photos

Holiday happy snaps are time-honoured.
Photos brilliantly capture priceless travel moments and preserve cherished memories with family and friends.

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Holiday Pig

Save Yourself! It’s never too late to start saving.

As a kid, one of the first lessons we all learn about money is how to save – you know the drill – 20 cents in the piggy bank each week and pretty soon you’ve got yourself your first toy, bought with your very own money.

By Sam Wallis-Smith

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Technology

5 ways to make technology your best friend

Still handing your smartphone to an eight year old to sort out? Here are five handy tips to make technology work for you.

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Market Update

Economic & Market Update – December 2017

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

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Growing Money

Pick your concession

From 1 July this year, if you are an employee, you may now have a choice of two ways to make concessionally taxed contributions to your super.

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White Picket Fence

Should you downsize?

There are many financial, practical and emotional factors to consider before downsizing your home.

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Teens sneakers handmade

Give your children a saving and investing edge – for life

Perhaps the best way to give your young children a lifetime saving and investing advantage is to ensure they are as financially literate as possible, as early as possible in their lives.

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cambodia-children

The 2h Project

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

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Xmas

6 ways to make Christmas budgeting easier

Here are six ways to make Christmas easier on your back pocket!

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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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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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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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Technology

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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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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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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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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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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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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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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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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