Financial Planning

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

August 16, 2017

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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Are interest rates unnaturally low? Or are they where they should be?

July 24, 2017

We hear the claim that interest rates have been kept unnaturally low by Central Banks around the world with the clear implication that no good will come of this and, before long, they will be forced to take them back to more natural levels. These comments ignore the actual role of Central Banks. Their mandates are typically to keep inflation under control and to keep employment full...

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

June 5, 2017

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

May 1, 2017

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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Keys To Success When Investing in The Australian Sharemarket - Webinar

April 3, 2017

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

March 6, 2017

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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30 years in Australian and global shares

February 5, 2017

Have you Over Indulged At Christmas?

December 20, 2016

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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Can You Have More Than One Life Insurance Policy?

November 8, 2016

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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Do you need to rethink your Estate Plan?

October 24, 2016

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

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Do you have adequate Trauma Insurance?

October 24, 2016

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

October 10, 2016

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

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Investment Markets Update

September 26, 2016

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

September 19, 2016

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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Business Estate Planning and why YOUR business NEEDS it!

September 5, 2016

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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How to safeguard your business if the unexpected happens

September 4, 2016

Read about how this trio of business partners navigated through the terminal diagnosis and death of one partner, and the consequences of not having adequate safeguards in place to avoid the associated problems that arose as a result of these unfortunate circumstances.

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

August 19, 2016

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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Do you have enough life insurance?

August 15, 2016

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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How long will your savings last in retirement?

August 17, 2016

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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Running a Business? Don't let this happen to you!

June 30, 2016

Sebastian and Andrew each owned 50% of the shares in a successful manufacturing business when Andrew died suddenly. Andrew’s wife, Judy, inherited Andrew’s share of the business via his Will...

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

May 11, 2016

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

April 20, 2016

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

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