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Account-Based Pensions

An account-based pension is a regular income stream which offers tax effective and flexible income stream payments using your superannuation funds. Clients spend their working lives accumulating Superannuation, and when they have reached “preservation age “(between age 55 and…

Do I Need a Financial Adviser?

Some people often ask the question: ‘Do I need a Financial Adviser?’ Here are a few questions we like to ask potential clients, when considering whether they have a need for the services of a Financial Adviser. How much…

Bridging the Gap: Access to Life Insurance

The Whitepaper and Research THE CALI CAMPAIGN The CALI campaign aims to increase awareness among government, regulatory, industry and other stakeholders of the issues and challenges facing Australian life insurance consumers, life insurers and life insurance advisers. The campaign…

An Economic Outlook for 2021

With the approach of 2021, the world continues to struggle with COVID-19 and its effect on the global economy. While Australia has weathered the Coronavirus storm well compared to many other countries, the unemployment rate sits at 7% and…

Trauma, is it important and what is it?

Trauma, also known as critical illness benefits, came into existence and effect in the early 1980’s and since its creation both clients and adviser have questioned its value and whether it could be substituted by just total permanent disability…

Avoiding Sequencing Risk

Sequencing risk is the risk that the timing and order of the investment return by your client are less favourable which in result means less money for their own retirement. As illustrated below, sequencing risk is amplified when the…

What You Need To Know About The TTR Pension

The Howard Government originally introduced the TTR pensions for people leading up to retirement so that they are able to reduce their working hours and give them the ability to replace some or all of their pay that was…

Property investing and SMSFs

Australians love to invest in property. And what’s not to love? It’s tangible, offers diversification and tax benefits, and can provide you with a good income and strong capital growth. When held in a Super account, investing in property can…

Ethical Investing

Ethical investing is the practice of using an individual’s ethical principles which is the main filter used for the selection of securities investing. Ethical investing depends on the investor’s views. Ethical investing is occasionally used conversely with socially conscious…

2021 Market Outlook in Australia

There are a number of reasons for optimism in Australia in 2021. Season factor could potentially slow the spread of the virus as the country has entered the summer period along with the state border control now largely reopened. …