Reaching age 74 is more than a birthday milestone – it’s your last (and often‑missed) chance to give your superannuation a meaningful boost. Australian rules allow most people to keep contributing to their super right up until they turn 75. After that, the door largely closes. That final contribution year can be incredibly valuable, especially […]
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How to prepare for a financial advice meeting
Financial advice, while often practical, can also be deeply human in terms of how it relates to an individual’s personal goals, values and aspirations. If you’ve never been to a professional adviser before, it can feel a little daunting and hard to know what to expect. Like most professionals, financial advisers come in all shapes […]
New guardrails for riskier lending
On 1 February 2026, the Australian Prudential Regulation Authority (APRA) introduced new limits on how much high‑debt lending banks can do.[1] In simple terms, only a portion of new loans can now go to borrowers whose total debt is six times their income or more. Most Australians borrow well below this level, so the majority […]
Perspectives on wealth and woodworking
Those who’ve known me for a while will know I dabble in woodworking. Nothing too fancy, just an activity I enjoy. There’s something deeply satisfying about woodworking as a process, but also in appreciating a well-crafted project – the kind where you can see and feel the maker’s skill in every detail. Crafted timber has […]
Concerns around the US Federal Reserve Independence
The US Federal Reserve is under unusual political pressure at the moment, and when the world’s most influential central bank looks shaky, global markets pay attention. But for Australians, this isn’t all about American drama – it’s about how that uncertainty can ripple through interest rates, the Aussie dollar, and investment markets here at home. […]
Extended shopping season for Christmas
If you feel like your Christmas shopping has started even earlier this year, you’ve probably picked up on a recent trend. According to data from the Australian Bureau of Statistics (ABS) household spending jumped 1.3 per cent in October 2025[1] – the largest monthly rise in nearly two years, driven by what appears to be […]
News on interest rates
With its final interest rate decision for 2025, the Reserve Bank of Australia (RBA) has announced that the official cash rate is to remain on hold at 3.6 per cent[1]. As you’d expect, commentators have already started divining what future rate announcements might be for the coming year. So should you be following their commentary […]
A matter of trust
As a financial adviser I meet a lot of people and each one has their own individual relationship with money. Some are confident. Some are cautious. Some want to know as much detail as possible. Others are comfortable just understanding the bigger picture and are happy having someone with the experience and expertise to look […]
Collectables and pop culture investing
When you think of collectables, the first thing that comes to mind may be limited edition coins, or quality art and antiques, but these days collectables can include other kinds of items, like vintage gaming consoles or rare sneakers. For many collectors, these items are more than just sentimental. They can gain value over time […]
Waiting for the perfect time to invest? Let’s talk.
If you’re sitting on the sidelines waiting for the stars to align before you start investing, here’s a gentle nudge: the perfect time rarely announces itself. Markets go up, down, sideways—and while timing can matter, time in the market matters more. Think of investing like planting a tree. You don’t wait for the ‘perfect’ weather […]