If you’re not feeling as young or as mobile as you once were, that doesn’t mean the adventure of travel has to stop. With a little extra planning and the right mindset, your next holiday can be just as joyful, relaxing, and enriching as ever. Here are our top tips to make it happen: Choose […]
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Ethical investing – progress over perfection
Australia’s corporate regulator, the Australian Securities & Investments Commission (ASIC), is suing Fiducian Investment Management Services (FIMS), alleging that one of its ethical funds included mining and fossil fuel companies – despite being marketed as socially responsible.[1] As the case unfolds, it’s a timely reminder that misleading fund labels – intentional or not – can […]
Update: unrealised gains no longer to be taxed
You may have read my earlier post in June this year about the proposed Division 296 Tax for super balances over $3 million. At the time, the proposal included taxing not only actual earnings (like interest or dividends) but also unrealised gains — that is, taxing increases in investment value that hadn’t yet been […]
Retirement re-imagined
If you’ve retired, you’ve likely spent years showing up – giving your best to work, family and community – and now, here you are, in a chapter that’s often called ‘freedom.’ – No more working to someone else’s schedule. Just your own time to do as you please. Sounds great, right? – Well you may […]
Aussies splurge on their fur babies
While overall inflation may be cooling, ‘petflation’ has reached a new peak as Australians are spending more than ever on their furry friends. That’s according to a 2025 report[1] that’s found Aussies are spending over $2,100 a year on their beloved fur babies – which includes splashing out on gourmet kibble, designer collars and even […]
What to make of all time highs
Clients often ask me if it’s time to take profits or sell based on the recent performance of a particular investment. It seems that we’re conflicted about record-high share prices – on one hand we’re pleased to see existing investments gain in value but apprehensive that higher prices are some kind of indication that prices […]
What is an ‘I love you’ Will and is it right for you?
An ‘I love you’ Will is a type of simple estate planning document where individuals in a couple can make arrangements to leave everything in their estate to the other. After both individuals in the couple pass away, the estate will typically go to their children, or other designated beneficiaries. This kind of Will can […]
An ASX alternative on the horizon?
Australia may soon be getting a second major securities exchange, providing a new challenge to the ASX, which has been Australia’s main exchange operator now for decades. The change comes off the back of some embarrassing and costly mistakes made by the ASX, including a recent trading blunder in which it confused two different companies, […]
Income protection: picking the right benefit period
According to the Financial Services Council (FSC), around 3.4 million Australians lack adequate income protection (IP) coverage[1], a critical componence of life insurance. Income protection replaces part of your income (typically up to 70%) if you’re unable to work due to illness or injury. It helps to cover living expenses like rent, mortgage, groceries and […]
New rules for Buy Now, Pay Later
Big changes have arrived for Buy Now, Pay Later (BNPL) services in Australia, bringing them under the same regulations as credit cards. For those unfamiliar with BNPL, they are payment services (like Zip and Afterpay) that allow people to purchase goods and then pay for them in instalments. Previously, BNPL providers operated outside traditional credit […]