Hot Issues
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Our Advent calendar for 2017
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Where are we in the global investment cycle?
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Australia's vital statistics
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12 ways to enjoy summer without spending a fortune
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One in three Aussies travel without protection
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Digital payment options could see you spend more this Christmas
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If you’ve always thought property prices only go up…
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Will Australian house prices crash?
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Where are we in the global investment cycle and what's the risk of a 1987 style crash?
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Money steps for women
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Resources on our site to help you, your family and your friends.
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Australian Dietary Guidelines and healthy eating chart (PDF)
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How to retire, your way
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Prepare for retirement without missing out today
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Be the boss of your cash
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The Australian economy bounces back again
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Should you lend money to family?
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Money mistakes people make in their 50s and 60s
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Australian Dietary Guidelines and healthy eating chart (PDF)
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Eight steps to improved cashflow... and lifestyle
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Powerful Budgeting, cash flow and Super Tools available on our site.
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5 ways Australians will use their tax return this year
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Australia's leading causes of death - ABS
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The threat of war with North Korea
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Six traits of Australians living the dream
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The break higher in the Australian dollar is likely to be limited
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Money can buy you happiness, you’re just spending it wrong
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Key Economic Indicators, 2017 – updated
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Helping your kids buy a home
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From Goldilocks to taper tantrum 2.0
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What’s your debt age?
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Doing a budget is a good idea but ....
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Planning is the key to making it financially
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What to do when you come into money
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Managing your money when you move in together
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Reduce your bills with these household items
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It pays to contribute to your partner's super
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How to cope with losing independence
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Transition to retirement income streams
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The Australian economy hits another rough patch
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Watch out for tax scams
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The three core pillars of this year's budget
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Federal Budget - 2017-18 - Overview
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Federal Budget - 2017-18 - Budget documents
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Make the most of the current super caps
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Five, four, three… it’s not too late to get more in super
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Super changes are coming
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What’s your debt age?
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Australian cash rate on hold
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Super changes this financial year - Dr Shane Oliver - video
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The door is closing on super’s current caps
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Is Donald Trump's honeymoon with investors over?
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Estate planning and why you need a super plan
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What does a comfortable retirement look like?
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Give your career a health check
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Super changes from July 2017
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Changes to the Age Pension assets test
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Keep your money safe over the silly season
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Looking ahead at 2017
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Review of 2016, outlook for 2017 - looking better despite the political noise
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Merry Christmas for 2016, a Happy New Year and a prosperous 2017.
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54.2 million worries
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Five tips for happy healthy ageing
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Thinking about managing your own super?
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Sending more to the tax office than you should?
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Government pulls back on proposed changes to super
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Market Update - What to consider when investing in a low return world
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Stop!! Don't do a paper Budget, use our online budgeting tools instead.
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Oliver's Insight - Megatrends
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Value of Advice
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A growing family doesn't have to blow the budget
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Blinded by optimism
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Thinking about managing your own super?
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The investment outlook - it's not all that bad!
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What’s your biggest obstacle to financial success?
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Ageing Parents
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Should you own the roof over your head?
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Be a senior entrepreneur on your own terms!
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Brexit and other key developments
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Brexit wins
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Commentary on major issues - AMP
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Five money habits for a happy financial year
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Remember to factor in parental subsidies at tax time
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Are grandparents giving too much?
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2016-17 Federal Budget - AMP
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2016 Budget in detail
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How (and why) to talk to your adult children about insurance
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Procrastination: Just do it. Eventually.
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Why Australian property won't collapse
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The Lucky Country holding up pretty well
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Have we reached the bottom?
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The evolution of the Chinese consumer
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Retirement rolls around faster than you think
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Pressed for time?
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Changes to the Age Pension assets test
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Women are building financial intelligence
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Heirlooms no more
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Initial market falls precede stronger returns - Shane Oliver
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What exactly is income protection insurance and do I need it?
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A rough start to the year, which could have further to go
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Aged Care - Changes to Assessment of Rental Income
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A bump in the road, then a new start
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New year, new start – are you ready for retirement?
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Review of 2015, outlook for 2016 - Dr Shane Oliver
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We wish you a Merry Christmas for 2015 and a Happy New Year
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Go easy on the plastic over Christmas
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Resolutions for a wealthy future
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The Australian dollar doing what it normally does - overshoot. Dr Shane Oliver
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How to manage volatility in a low return world
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The Australian economy - more help will be needed. Dr Shane Oliver
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Insurance through my super
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Four tactics to build an investment portfolio
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The demand for global infrastructure
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Help achieve your investment goals with dynamic asset allocation
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The Power of Budgeting
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Jump retirement hurdles with a coach
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Preparing for the time of your life
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A Super Loan for all reasons
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Making a smooth transition
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Budget 2015 - some professional opinions
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Australian Government - Budget 2015
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Achieving a comfortable retirement
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Is off-the-plan on the money?
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Should I take my super as a lump sum or not?
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Do you have a key person in your business?
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Tips for success in a competitive job market
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All you need to know about buying at auction
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To sell or not to sell?
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Saving in a material world
Five money habits for a happy financial year

 

As you say goodbye to the 2015/16 financial year, it’s a good time to put new habits for success in place for the coming year. 

 

 

Here are our five tips to help you make a success of the coming year as you put your tax affairs in order and say goodbye to the 2015/16 financial year. 

1. Set your goals
Setting achievable goals and making a commitment to achieve them can increase your chance of success. 

So rather than going it alone, give yourself the best chance of living the life you want. Make a time to come see us and we’ll help you set goals for the coming financial year and work out the best way to achieve them. 

2. Make the most of your income
Managing your income well from 1 July will help set you up to be better off in the coming financial year, and beyond. 

As you’re reviewing your income and expenditure this financial year end, make a point to develop a longer term plan for managing your money. Rather than taking a short-term money focus and making decisions payday to payday, it’s time to set yourself on the road to developing wealth. 

We can help you take simple steps—like making a money management plan, consolidating multiple super accounts into one fund and setting up an automatic transfer from your everyday account to a savings account or other investment—to make a big difference to your financial wellbeing by the same time next year. 

3. Plan to invest
There’s so much choice when it comes to investments. Will you be better off with property, shares, an alternative asset like a hedge fund or a managed fund that allows you to invest in property indirectly? There’s so much to consider. 

You may not be ready to invest right now or perhaps you’re a seasoned investor. Either way, we can help. When it comes to investing your money for growth, we will share our insights and knowledge, and find the right investments for you. 

4. Protect what you’ve got
When it comes to working, earning, saving and spending, there’s no use doing much at all if you’re exposed to too much risk. 

You want to make the most of all you have, not lose it. And if your biggest asset is your ability to earn an income, you need to protect it. You may have debts and a family and if so, you can take simple steps to protect your loved ones this coming year. 

There are tax-effective ways to hold insurance too, like buying life insurance through your super fund. That way you may not need to pay for your cover from your take home pay. Some cover like income protection can be tax-deductible so now is a good time to put a new policy in place. 

We can help you find the right cover for you and your family so you have peace of mind throughout the coming financial year. 

5. Review, review, review
Life’s constantly changing. What you want changes when you start a new job, buy your first home or become a parent. As you approach retirement, things will be shifting again. 

We’re here to help you reassess your needs and put different plans in place over time so you can become better off and build wealth. This coming year, make sure you’re not spending too much on things you no longer need and put the right plans in place for your 2016/17. 


We’re here to help
Whatever you do, make sure you’re on track to be better off this time next year—one of the most-costly habits of all can be doing nothing. 

Call us today and get your new financial year off to a good start while putting everything in order for the end of financial year. It can be a lot easier than you might think.