Interest rates are rising, and the Reserve Bank of Australia (RBA) has hinted that they could stay elevated for longer than expected. While people who live off their investments, including self-funded retirees, welcome the rise, homebuyers must think about what higher rates will mean for them, especially if those rates...
Income protection insurance is a financial tool that’s essential for some people, ‘nice to have’ for others, and possibly quite unnecessary for a third group. In other words, there’s no one-size-fits-all answer to whether the premium cost justifies the risk. It depends on your circumstances, so it’s worth examining what...
Last month Jess fell down the staircase in her apartment resulting in a very serious ankle injury. She is expected to be unable to work for at least two months as a result of the surgery and complications with her recovery. Jess is a 30 year old who has two...
The opinion of many people towards debt can be best summed up in the often quoted line from Shakespeare, ‘neither a borrower nor a lender be.’ Yet others will embrace debt as one of the most important tools in their investment arsenal. Of course, successful debt management comes down to...
When members of a long-established couple are contemplating divorce or permanent separation, there’s more than the emotional toll to take into account. Ensure you are aware of the potential financial consequences before making this life-changing decision. Dividing assets Couples in their fifties, sixties, or older are likely to have accumulated...
A year before retirement, Tess’s superannuation plan was on track, and she was imagining her post-work life. With savings of $34,000 at the bank, she was looking to park it somewhere it could earn better interest while rates were rising. Considering herself reasonably savvy with money, she began investigating her...
When life throws you a curveball and you suddenly can't work, the financial pressure can feel overwhelming. But here's something many Australians don't realise: there can be many safety nets to help you through. Let me share Sarah's story—it's one I see far too often in my practice, but with...
What’s the first thing that springs to mind when you hear the term ‘passive income’? It may be creating an e-book, a blog or a YouTube channel, engaging in affiliate marketing or selling stock photos, but in fact, none of these is entirely passive. They all require lots of upfront...
It can be tempting to treat superannuation as a ‘set and forget’ investment. In most years, your annual statement will show what appears to be a satisfactory growth rate, so why tamper with something that seems to be working reasonably well? However, depending on your age and goals, your superannuation...
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At this time, we are not accepting new client appointments as we focus on supporting our existing clients and enhancing our services. We expect to reopen to new client enquiries later this year and appreciate your understanding. – Kaydon Loechel , Business Manager 15.05.2026