News & Resources
All news, resources and ideas you need to create your financial security
In today’s world we are bombarded with an incredible amount of information,
so it is good to know that here, I only pass on to you what is relevant to your personal and financial growth
as well as our social and ethical wellbeing.
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Articles for your enjoyment
Income required for a comfortable lifestyle in retirement
A year ago, I wrote an article “What income do I need in retirement” and many people rad it, so obviously this is an important topic, and I am not surprised as we all need to know:
Super changes from 1st July 2023
Superannuation landscape is complex, and no part of your finance should be considered or planned in isolation, this is one of the biggest mistakes many people do when trying to organise their money.
What really is “INDEPENDENT FINANCIAL ADVICE”?
So today, we will be talking about what the INDEPENDENT FINANCIAL ADVICE really means, how you can discover if you are really receiving fully independent advice and plan, is it really worth it and the difference between independent and non-independent service and advice.
How are shares assessed by Centrelink?
I have never discussed share investing, so I thought it is high time to start talking about share in more details. After all shares, and specifically Australian Shares are my personal favourite way of investing for long-term.
Superannuation, Retirement Pension and your age limits
Super funds advertise superannuation consolidation as a highly recommended strategy as you can save on ongoing fees. And sometimes it is correct, however often there are reasons why I would recommend more than one super account, and in most cases, this is for estate planning or tax reasons.
Low-income Health Care Card
Today we have one of the most requested topics – Low-income Health Care Card.
And please don’t be fooled by the name of “Low Income” it is not that low after all, so it is worth reading, understanding, and then planning correctly, to see if there is any way you can be eligible, especially if you or your partner have any health problems.
The end of the financial year and your retirement
The most obvious strategy at the end of the financial year is checking your concessional contributions made for the year. What does that mean?
How superannuation impacts our retirement
Therefore today, we will discuss how superannuation has changed the way we derive our income in retirement and exactly how retirees depend on their income streams in retirement. | superannuation impacts
When to use Granny Flat arrangement and why?
Granny Flat is the financial arrangement between parent – one or both – and a child or children, where parent is provided with the accommodation and care for exchange for a payment or asset or money transfer to the care provider.
Recent Pension Changes impact more people
If your assets are greater than that limit, your Pension will start reducing progressively, so you will receive a part Pension until your total assessable assets reach $635,000 for singles and $954,000 for a couple homeowners and $860,000 for singles and $1.18mil for a couple non-homeowners.
Budget 2023-24 What’s in it for you
On 9 May 2023 a new government budget was delivered with the main purpose of providing the relieve of the cost of living by introducing an energy relief plan for eligible households as well as businesses.
Should I pay extra to my mortgage or contribute to super
The problem is that there is no one correct answer. Why? As I mentioned before, we all are so very different, and we all want different things and different outcomes. We all see money differently and we all have a different understanding of financial risk and comprehension of the risk/reward outcomes.