Michael O'Hara

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

Financial Planning for Holidays

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

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Higher investment returns!

higher investment returns or just a mess of numbers reduced image by Mickey ONeil from Unsplash
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An interpretation of the language surrounding higher investment returns (or lower) and forecasts for those returns.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…

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2016 Budget Superannuation

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

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Oil prices

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

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A Prosperous 2016 to you

prosperous 2016 perth financial planning photo via unsplash by jordan mcqueen
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“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.

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Make a million dollars

chance and uncertainty
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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…

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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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