Michael O'Hara

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

Decent returns when rates are low

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

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Financial Planning Ethics – part 1

financial planning ethics image from binarymoon co uk
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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…

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Sensationalist headlines

sensationalist headlines image source examiner dot com
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“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…

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Australia – austerity or growth?

financial planning perth growth or austerity
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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…

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Financial planners and insurance

life insurance must be a cheery business just google life insurance to see all these happy people
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Proposals are afoot for major changes in the world of financial planning advice for insurance cover. If you are interested, here’s a brief note from myself and links to some of the key points being looked at by regulators and commentators.Financial planners continue to be in the news – gosh, we must be an interesting…

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Thinking about insurance

Financial Planning Perth Michaels Musings Simons Story from OnePath on Vimeo
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For a whole host of reasons, i’m thinking about insurance today. Thinking about insurance Insurance is one of those areas we all love to hate. Premiums always seem too high, we hear stories of insurance companies not paying out or the new stories about commissions being too high. After years of dealing with insurance companies and…

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Financial Planning Ethics

financial planning ethics image from binarymoon co uk
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Financial Planning Ethics – from a financial planner’s point of view.It’s Philosophy Friday, so let’s spend a moment or two musing on the place of “Ethics” in the world of the financial planner. Financial Planning Ethics It may seem obvious that there is a place for ethics in financial planning. Financial planning scandals of one…

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RBA drops interest rates – why?

Financial planning perth which way to go
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The Reserve Bank of Australia today announced that it has dropped interest rates yet again. Borrowers on variable rates linked to the RBA cash rate will rejoice when their particular financial institution eventually agrees to pass on the interest rate cut. Pensioners and people living off interest income will find their next interest payment is…

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A Christmas Greeting

financial planners perth christmas message
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It’s been a tumultuous year in the world of money, and 2015 looks to be just as interesting. Thank you for reading my blog, and a big thank you to those who have commented or contacted me with suggestions, ideas or to share thoughts. Next year promises to be a big one, so i would…

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