In light of recent media coverage surrounding the collapse of the First Guardian Master Fund and Shield Master Fund and the serious allegations that these funds operated as Ponzi schemes, we want to provide unequivocal reassurance to our valued clients and prospective investors. Article Link: Media Coverage Your Capital Is Secure We understand that news of […]

Your Future Self Will Thank You – Start Planning Now In your 20s and 30s, life often feels full of possibilities—and rightly so. You’re building a career, enjoying your independence, and perhaps earning more than ever before. To this point, managing your finances has largely been about you: what you earn, what you spend, and […]

Here’s a detailed explanation outlining the advantages and disadvantages of lending or giftingmoney to your adult children to help them purchase a home. I’ll also cover the relevantconsiderations regarding taxation, superannuation, family law, Centrelink gifting provisions, andcashflow implications. Lending vs Gifting: Key Definitions Before diving into advantages and disadvantages, it’s important to distinguish between lending […]

Why Goal Setting Matters for Your Financial Future In your 30s and 40s, you are at a pivotal stage in life—balancing career growth, family commitments,and aspirations for a secure and fulfilling future. Financially, this is often a time of transition, wherepriorities shift from short-term stability to long-term wealth creation and security. While life can beunpredictable, […]

For high-income Australians approaching retirement, optimising superannuation and investment strategies is critical to ensuring financial security and a comfortable lifestyle. With children nearingschool completion and mortgages almost paid off, there is a unique opportunity to focus on wealthaccumulation and tax-effective retirement planning. This paper outlines essential strategies tomaximise superannuation benefits and investment returns before reaching […]

In recent months, the term “bond” has been making more frequent appearances in financialheadlines. Many clients have asked me what this means for their investments or superannuationportfolios. Let’s explore the fundamentals of bonds and how they’re connected to broader economicforces—especially in light of interest rates, inflation, and global events like Trump-era tariffs. What Is a […]

You may have seen recent media reports concerning industry superannuation funds, highlighting  issues such as cybersecurity vulnerabilities, delays in processing death benefits, and administrative  inefficiencies. I want to take a moment to directly address these developments and reassure you about the safeguards in place for your superannuation strategy.  Your Security is My Top Priority  As your […]

During periods such as high volatility as we are experiencing now, the question on everyone’s lips is  “should I buy or should I sell”. Depending on your short, medium and long-term goals, one strategy  that you may like to consider, which has proven successful for our clients over the medium and longer term, is “Dollar-cost averaging.”  […]

Transferring assets to surviving family members requires careful planning to ensure tax efficiency,legal compliance, and the protection of wealth for future generations. This white paper examineskey considerations when transferring assets to a surviving spouse and children, including taxationimplications and practical advantages and disadvantages of various strategies. Gifting Money to Children Before Death Advantages Preparing a […]