Michael O'Hara

Michael O'Hara is a Financial Planner operating out of a boutique advisory service in Perth, Western Australia.

2016 Budget Superannuation

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

Are the 2016 Budget Superannuation changes fair? Here’s Michael’s interpretation of some of the more contentious issues.“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…

Share

Oil prices

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

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…

Share

A Prosperous 2016 to you

prosperous 2016 perth financial planning photo via unsplash by jordan mcqueen
Share

“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.

Share

Make a million dollars

chance and uncertainty
Share

There is no secret to making a million dollars. The only problem is that it is boring, and it takes quite a bit of self-discipline.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…

Share

Decent returns when rates are low

How do you make higher earnings in a low rate environment
Share

How to make decent returns when rates are low? Term deposit rates have fallen to levels where investors are questioning the value of safety. Where to now?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…

Share

Financial Planning Ethics – part 1

financial planning ethics image from binarymoon co uk
Share

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…

Share

Sensationalist headlines

sensationalist headlines image source examiner dot com
Share

“Carnage on global sharemarkets”! Sounds like an awful scenario, doesn’t it? What sort of outcome do you think would lead to headlines such as this? A fall of 30%? 20%? Whatever it is, the result must be pretty bad for the word ‘carnage’ to appear. Or so you would think… Let’s put aside the sensationalist…

Share

Australia – austerity or growth?

financial planning perth growth or austerity
Share

How do we tackle economic problems and foster economic growth? Australia – austerity or growth? It’s a global question! There are usually a range of options to tackle any economic problem or condition, ranging from increasing government spending to reducing taxes to printing money or even starting a war to divert the attention of a…

Share