Grandfathered commissions explained

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Grandfathered commissions is a term that is receiving a lot of airplay at the moment through the Royal Commission. The term is used so often and to cover so many different concepts that I thought it might be helpful to spend some time discussing just what “grandfathered commissions” actually refers to. It’s also helpful to…


A quiet look at retirement and choices for retirement income – from my Facebook page.

Posted by Michael's Musings on Wednesday, 28 March 2018


Thoughts on money, retirement, wealth, happiness and financial planning. Here’s a link to my latest Facebook post. Comments and thoughts always welcome!

Posted by Michael's Musings on Tuesday, 6 March 2018

Underemployment – is it the future?

Underemployment Michaels Musings Photo by Crown Agency on Unsplash

Underemployment is a big feature of the current global employment picture. Although more people are finding work, it would appear that a lot have given up any chance of finding work. So I thought it would be a good idea to tackle some of the issues that are raised by having a large slice of…

Fear and Greed in financial planning

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Fear and greed are words that are rarely used in financial planning. I’ve often wondered why – are we planners being too soft on raw features of behaviour? Do we allow professional politeness and discretion to stomp all over basic, honest advice? Fear and greed are two fairly common observations a financial planner encounters in…

Investors are confused by strange markets

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Investors in today’s markets are confronted with a barrage of information, opinions, statistics as well as claims from marketing and promotions that can make it very difficult to decide just what to do, and when. This post isn’t going to make your decisions any easier, I’m afraid – but it may just help you to…

Superannuation – Happy New Year!

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Superannuation rules in Australia have undergone some fairly dramatic changes as of the 1st July 2017. With that threshold date now behind us, let’s consider what this new world looks like.. Superannuation is simple Yes, it truly is. Super for most people will be the least difficult, most rewarding and less stressful area of their…

Share Market Crash? What should an investor do?

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Share market crash? How to successfully predict 11 of the last 2 major sharemarket crashes. This musings will look at predictions for a share market crash. Are they realistic? How do we know a market is going to crash? If 10 people tell you to sell and 10 people tell you to buy – which are…

Looking for your planner?

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Wondering where you planner is? We don’t blame you.. Looking for your Planner? The planners of Wealth & Security Planners and Streamline Financial Planning have been locked away in their bunker, updating systems and improving processes as we move to the Australian Financial Directions licence. Exciting changes are under way, and we’ve been getting the basics…

A festive season Christmas Card

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‘Tis the season to be jolly! To help kick off the festive season revelry for 2016, here is a Christmas Card from the advisers and staff of Wealth & Security Planners and Streamline Financial Planning. It’s been a challenging year, so let’s all look forward to and plan for a better and brighter 2017!