Financial Planning
March 2, 2018

Does money bring happiness?

The short answer is ‘yes’, but only up to a point. People in richer countries are, collectively, happier than people in poor countries. Within countries, people with higher incomes are generally happier than people on low incomes. Surprisingly, once basic living needs are met, the amount of happiness gained from each additional dollar of income rapidly declines.

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February 22, 2018

Get on Top of Debt

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December 1, 2017

Australian banks still worthy of a place in most portfolios… despite what some commentators say

Barring disasters, the banks should produce returns of the order of 10% per annum over the next decade. With a yield of 8% including franking credits, we need just 2% per annum growth to get us to a 10% per annum total return. Even if we get no growth in earnings, an 8% per annum return means that banks will be worth a place in most portfolios - barring disasters.

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November 30, 2017

A Reminder to Update Beneficiary Nominations for Your Super

When major life events occur in your life, such as divorce or starting/ending a de facto relationship, updating your nomination of beneficiary for your superannuation fund may not be high on your priority list.

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November 8, 2017

Think it's too hard to sort your super? Think again!

If you have ever changed jobs, addresses or lived overseas, then it’s possible that you have lost track of one or more of your funds at some stage. Different employers often have different funds of choice when you have not personally nominated which fund want your Superannuation to be paid into, so it’s easy to end up with several accounts - especially if you move around a lot.

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August 16, 2017

How having no will, or an invalid will, can cause unintended problems for your loved ones.

A commonly held myth about wills is that if you do not have one, all your estate goes to the government. While that is not quite true, the reality may still surprise many.

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June 5, 2017

A quick glance at how the new superannuation rules could affect you.

The recent changes to the superannuation rules are designed to further limit the amount of money Australians can keep in the tax advantaged superannuation system. So, where does that leave you for your superannuation planning for this financial year? Here’s a brief summary of the key issues:

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May 1, 2017

How much money are you placing at risk by not insuring your ability to earn an income?

Not many people risk being uninsured when it comes to their car or home. But many choose to not insure their most valuable asset – that is, their ability to earn an income.

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April 3, 2017

Keys To Success When Investing in The Australian Sharemarket - Webinar

This 5-minute webinar discusses why the long term outlook for the Australian sharemarket is generally positive, though a key to success will be selective investing. We hope you enjoy the webinar.

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March 6, 2017

Michelle Roberts Presents at Chocolate and Kale - Sunday 19th March

This unique event brings together 6 passionate practitioners who are experts in their field and aims to inspire and educate women to invest in their health and well being. Our Advisor, Michelle Roberts will be speaking about the importance of women protecting their significant contributions and their families.

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February 5, 2017

30 years in Australian and global shares

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December 20, 2016

Have you Over Indulged At Christmas?

Christmas advertising sees us inundated with things to buy for our loved ones. There’s toys and games for the kids, perfume & lingerie for the ladies, or hardware toys for the boys.

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November 8, 2016

Can You Have More Than One Life Insurance Policy?

A question I am frequently asked is “Can you have more than one life insurance policy?”. The answer is yes - you can, and most people inadvertently do have multiple policies if you have more than one super fund.

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October 24, 2016

Do you need to rethink your Estate Plan?

Here are 27 points to consider when deciding if its time to re-assess your estate plan.

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October 24, 2016

Do you have adequate Trauma Insurance?

Cancer is unfortunately the most prevalent trauma condition in today’s times. When selecting adequate trauma insurance, medical expenses should be a significant component – but do you know the true financial cost of cancer?

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October 10, 2016

Michelle Roberts wins Best Small Practice of the Year Award for 2016

Ms Michelle Roberts* has won the prestigious Australian Unity Best Practice Small Practice of the Year award for 2016.

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September 26, 2016

Investment Markets Update

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September 19, 2016

Zombie Apocalypse Insurance? Unusual insurance policies you never knew existed.

Did you know there is insurance available to protect you in the event of a zombie apocalypse, or alien abduction? Or that pregnant women can insure against the possibility of having twins, triplets, quads or quintuplets?

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September 5, 2016

Business Estate Planning and why YOUR business NEEDS it!

Business estate planning is the process of arranging your business affairs now to help ensure there is no unnecessary deterioration or loss of continuity in your business - appropriate business estate planning reduces risk.

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August 19, 2016

Has it really been 26 years without a recession in Australia? Or is it only two?

How long is it since Australia had a recession? Most would say 26 years. That’s close to a world record! But, there are different ways of determining when we are in recession. In Australia, we use the simplest benchmark – a recession is when we have had two consecutive quarters of negative real GDP growth. In the US, a more complex process is used where a committee of economists consider a range of data before declaring – normally six months after the fact – whether or not the country is in recession.

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August 15, 2016

Do you have enough life insurance?

Research shows that Australian families have only 38% of the life insurance cover they need. If something unexpected happened and you could no longer financially support your family, it would be comforting to know that your life insurance would provide for you. But recent research from Rice Warner suggests that wouldn’t be the case for most families.

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August 17, 2016

How long will your savings last in retirement?

Retirement calculator - how much do i need? Use this chart to roughly work out the life expectancy of your retirement savings and read about various strategies to help you stretch the life expectancy of your retirement savings.

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May 11, 2016

Why ‘short-termism’ is hard-wired in investors

Here is the latest edition of ‘Financial Insights’ which discusses why ‘short-termism’ is hard-wired in investors, and why it’s bad for your wealth.

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April 20, 2016

“Thank you to my clients for the vote of confidence!”

Michelle Roberts extends a big thank you to her Financial Planning clients, after receiving excellent feedback on a recent survey.

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May 19, 2015

An Introduction to Borrowing Through a SMSF

There’s a lot of noise in the market place at the moment about Self Managed Super Funds (SMSFs). Back in the day, we weren’t allowed to borrow within SMSFs for investments like property or shares. But since 2007, all this has changed. Today we are able to borrow to purchase both commercial and residential property as well as a range of other assets.

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