Author Archives: qfp-admin

Client Assurance Statement: No Exposure to First Guardian or Shield Master Funds

The Advantages and Disadvantages of Gifting Money to Your Children Before Death

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 […]

Are you in your 20’s or 30’s – now is your opportunity to establish your financial platform for your future.

Are you in your 20’s or 30’s – now is your opportunity to establish your financial platform for your future.

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 […]

Financial Gifting or Lending to Adult Children

Financial Gifting or Lending to Adult Children

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 […]

The Power of Goal Setting: A Guide to Achieving Your Financial Future for 30 and 40 year olds

The Power of Goal Setting: A Guide to Achieving Your Financial Future for 30 and 40 year olds

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, […]

Maximising Superannuation and Investment Strategies for taxpayers in the higher tax brackets approaching retirement.

Maximising Superannuation and Investment Strategies for taxpayers in the higher tax brackets approaching retirement.

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 […]

Understanding Bonds, Yields, and Their Impact on Your Investments

Understanding Bonds, Yields, and Their Impact on Your Investments

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 […]

Your Superannuation Security and Our Ongoing Commitment

Your Superannuation Security and Our Ongoing Commitment

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 […]

STOCKMARKET VOLATILITY – Should I buy or should I sell? 

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.”  […]

Issues to Consider When Transferring Assets to Your Surviving Spouse and Children

Issues to Consider When Transferring Assets to Your Surviving Spouse and Children

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 […]

Financial Independence: Essential Habits and Strategies for 20- and 30-Year Olds

Financial Independence: Essential Habits and Strategies for 20- and 30- Year Olds

Achieving financial independence is a long-term journey that requires discipline, strategic decision-making, and patience. As a financial planner with 30 years of experience, I have seen firsthand how adopting smart financial habits early can lead to a secure and prosperous future. This white paper isdesigned for young Australians in their 20s and 30s who aspire […]