Simple steps to reach achievable goals

Simple steps to reach achievable goals

As financial advisers one of the most common mistakes we see with our clients is poor planning.If you fail to plan, you plan to fail.Below are some simple steps to assist with planning to achieve your goals.Identify what the goal is Over a few days think about what it...
Do you understand your Super?

Do you understand your Super?

Maybe you know that Super is important but you don’t know how it works and the different types of accounts that exist. The best place to start is how superannuation works. How does Superannuation Guarantee work (your employers contribution)?Under Australian law, all...
She’ll be right mate… won’t she?

She’ll be right mate… won’t she?

The level of insurance cover you receive when you join your employer is default, and no one asks you any questions about your personal situation to determine whether this cover is enough.As it’s default, this can result in too much life insurance cover for a single...
STOP! …are you insured?

STOP! …are you insured?

Have you checked your personal insurance lately? From 1st July 2019, super funds have cancelled insurance on accounts that haven’t received contributions for at least 16 months.Just like your home or car, your life and your ability to earn an income can be some of...
When SHOULD you consider taking out Private Health Insurance?

When SHOULD you consider taking out Private Health Insurance?

In Australia when you earn over a certain income and you don’t have private health insurance you pay a Medicare Levy Surcharge. This system was designed to encourage individuals to take out private patient hospital cover and to use the private hospital system to...
How to survive a Financial Trauma

How to survive a Financial Trauma

The risk of a financial trauma that follows on from a personal medical event is very real. Its life altering. I don’t mean to sound dramatic – but those that are unprotected and have a medical trauma will face an uphill battle to recover both physically and...