I am yet to meet a taxpayer who doesn’t love the prospect of a tax cut… The much talked about stage three tax cuts have recently passed the Senate and are now law. The changes were introduced as an attempt to help ease the cost of living pressures – especially for middle Australia – without […]
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The six Cs of a successful retirement
If you’re wondering how to get the most out of your retirement, researchers from Fidelity International have outlined six important elements to a successful retirement, and the good news is none of them are based on your net worth. They are non-financial aspects of life and are known as the six Cs: 1 – Capability […]
Five tips for digital estate planning
Most people make plans to dispose of their tangible property after they’re gone, but these days, we all have an awful lot of intangible property to deal with as well. You may not be too concerned about what’s going to happen to your email or social media account after you die, but there are some […]
Cash is king, but for how long?
You may have read about Armaguard Australia in the news recently. Armaguard is one of the nation’s last remaining cash transit companies, servicing stakeholders across the banking, retail, hospitality, medical and government sectors. The company has been teetering on the brink of collapse. Its recent risk of insolvency has been due primarily to one thing: […]
What are ETFs and how do they work?
Exchange-traded funds (ETFs) give investors a cost-effective avenue for capturing the returns of an asset class, an index, or a commodity. While the name is fairly new, ETFs are simply managed funds which can be bought and sold through a stockbroker, mirroring the process of trading shares. How ETFs Operate An ETF is just a […]
Retirement Planning: it’s not all about the money
According to recent analysis from KPMG, the average retirement age for Australians is the highest it’s been since the 1970s. More people over the age of 55 are staying in the workforce than ever before, whether through choice or necessity. Retirement is a significant life event for the vast majority of Australians. Most of us […]
Extra, Extra, Don’t Read All About It
This article was originally featured on the Align Financial blog on 18 December 2018. If you’re reading the investment headlines in the news around this time of year, then you might start to feel a bit of anxiety around whether your investments are well placed. Reading the news is one thing but acting on it […]
ESG Investing – what is it and how does it work?
In recent years, ESG investing (also called sustainable, ethical or responsible investing) has taken a more prominent role in management and investment decisions. But what exactly does ESG mean, and how does it affect your investment portfolio? ESG stands for Environmental, Social, and Governance and is a way of measuring and assessing a firm’s sustainability […]
An introduction to Testamentary Trusts
If you have a Will in place, you could be mistaken for thinking that your estate planning is taken care of. But have you considered if your Will can stand up to obstacles that your children may face such as divorce, bankruptcy, long-term illness? One way lawyers protect against such events is by incorporating Testamentary […]
What is Critical Illness insurance?
Rising insurance premiums over the last few years have encouraged many of our clients to reassess their insurance needs. This includes looking at the different types of cover, what they provide for, and whether they suit your needs and budget. Many insurance policies include Trauma cover – but what exactly is it, and what does […]