Living a Happy Retirement with the Right Super Advice – why it’s important to get advice, what questions you should be asking about retirement and superannuation You’ve worked hard for many years and now have earned retirement. Getting the right advice for a happy retirement is crucial. Professional advice can help you optimise your superannuation […]
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Growing your wealth is a combination of smart financial planning, disciplined saving, and strategic investing. While there is no guaranteed path to instant riches, here are 8 actionable tips to help you improve your personal wealth and take control of your finances: 1. Create a Budget Start by tracking your income and expenses to get […]
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Salary packaging, also known as salary sacrifice or salary packaging arrangements, is a beneficial remuneration method that allows employees to structure their income by receiving a portion of their salary in the form of non-cash benefits. This arrangement can provide financial advantages and tax savings for employees, while also offering potential benefits for employers. What […]
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By Brad Martin, Financial Advisor Clients often ask us if they should pay extra off their home loan or put money into an investment. Which one would be better from a tax and wealth building point of view? Sometimes the answer is both. This is the basis for a strategy called Debt Recycling. What is debt? Debt […]
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By David Baruffi, DipFP B.Ec MTax, CERTIFIED FINANCIAL PLANNER™ Director, Blueprint Wealth In my experience, people diagnosed with cancer immediately start to stress about their financial position, particularly how they will continue to pay their mortgage or rent. Here are some tips on what you should do if you are diagnosed with cancer or any […]
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Each one of us carries any number of life goals or desires that we wish to achieve over our lifetime. In many cases, we lose sight of these yearnings and become consumed with day to day life. Sometimes, these dreams can seem to be become unachievable and we ultimately give up on them. What has […]
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As the end of the financial year approaches, it’s an opportune time to review your superannuation strategy and take advantage of available tax benefits. Making the most of end-of-financial-year super contributions can help boost your retirement savings and potentially reduce your tax liability. In this article, we will explore several strategies to help you maximise […]
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By Nicholas Horstman, Associate Financial Advisor Personal insurance has evolved over the years to incorporate different types of cover, various options and different ownership structures. For someone who doesn’t work in the industry, it can appear rather unnecessarily complicated. Let me give you an example how we, as advisers, assist clients in the recommendations, ongoing […]
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We all know about the great tax benefits of Superannuation Pensions (Account based pensions started from superannuation funds). However, there are times when the benefits become insignificant or costly. There comes a time when you should move your funds out of super. The great attraction of superannuation is that it is a very tax effective […]
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By David Baruffi, Managing Director In my 25 years of providing financial planning advice, I have come to realise that one of the greatest financial retirement risks facing pre-retirees is boredom. Let me provide an example. I recently met with husband-and-wife clients who are in their 60th year and have undertaken all of the hard […]
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