Financial Health Check

financial health check just do it image by Caleb Betts from Unsplash

Hands up all those who enjoy sitting down to update their finances and submit themselves to a new year financial health check? There aren’t a lot of you, are there?

OK. It’s time to stop avoiding this little financial task. Prepare yourself because I’m about to give you The-Just-Do-It Stare.

Financial Planning for Holidays

financial planning for holidays image of holiday planning by Dariusz Sankowski from Unsplash

What’s the point of being prudent with money if you don’t take the time to reward yourself by actually spending some of that hard-earned cash? As a financial planner, i have seen heart-wrenching examples of people doing everything they can to master their financial position, only to see ill health, family circumstances or an early…

Higher investment returns!

higher investment returns or just a mess of numbers reduced image by Mickey ONeil from Unsplash

Higher investment returns – or lower? From a financial adviser’s point of view, discussion on investment returns can be a fun diversion from the day-to-day paperwork and calculations, so here’s my attempt at putting together a layman’s interpretation of some rather frivolous news headlines. Higher Investment Returns – ? or ! – ? In a…

2016 Budget Superannuation

2016 Budget Superannuation is it fair image by Joshua Earle via Unsplash

“Ask not what your country can do for you – ask what you can do for your country” – John F Kennedy’s powerful call for Americans to put aside self-interest, and strive to build a better nation. This is what I think the Federal Government has asked Australians to do when judging its 2016 Budget…

Oil prices

when prices go crazy image source littlegatepublishing.com PRNewsFoto/Frost Sullivan

It seems to me that commentary on oil prices has reached epic meme proportions, so it tickles my sense of cynical irony to put finger to keyboard with a post on oil prices. My primary motivation, apart from simple glee at joining the lemming herd decrying the collapse of oil prices, is to add a financial planner…

A Prosperous 2016 to you

prosperous 2016 perth financial planning photo via unsplash by jordan mcqueen

“Prosperous” means different things to different people – but over the years i have found that we all share very similar basic needs when it comes to money. Here are my 2016 prosperity money tips.

Make a million dollars

chance and uncertainty

There is no secret to being able to make a million dollars the low-risk way. The only problem is that it is boring, and it takes some discipline to get started because it means going without something you may otherwise covet. A million dollars isn’t as much as it used to be but it’s still a…

Decent returns when rates are low

How do you make higher earnings in a low rate environment

How to make decent returns when term deposit rates are so low? Cash and interest bearing income levels are at or near historically low points in all pure defensive plays. In part this reflects ongoing Central Bank intervention in credit markets as attempts continue to be made to cope with the fallout from the Global…

Financial Planning Ethics – part 1

financial planning ethics image from binarymoon co uk

Financial planning ethics are of paramount importance to sound financial planning. Yet this self-explanatory and seemingly obvious statement cloaks the areas of ‘grey’ within which financial planning ethics may not be at all obvious or not at all relevant. Financial planning ethics is all about communication. What works and what doesn’t; how things work and…