Category Archive for: Advice

The Other Person In The Room

When you have a conversation with a business owner, it is vital to consider the other person in the room – the business.   The business is a very demanding person, both of me as an adviser, and as a life partner of the “real” people in the room. I always think of her as…

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Your Dad Told You

Your home is the best investment you will ever make, didn’t he? I know mine did. Let’s get this straight, your home is not really an investment at all. It produces no income, and whilst it may appreciate in value, that value can only be realised by selling. It is likely you will be buying…

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I don’t need financial advice, I haven’t got any money!

The conversation went like this: “I don’t need financial advice, I haven’t got any money” “Why?” “Because I haven’t got any money” “No, I heard that, but why haven’t you got any money?” “Well…..”   “Would you like some help in taking control of your financial world so that you can achieve your goals, whatever…

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Value Is In The Eye Of The Consumer – Beware, the Advice Professions

Back in the day, there was a significant movement in the accounting profession which was commonly referred to as “value-based pricing” Some in that profession took this to mean that they no longer needed to worry about how much they could charge a client, it was all going to be taken care of by convincing…

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What Price Financial Advice?

There are lots of misunderstandings when it comes to the advice that financial advisers can offer. At the heart of the misunderstanding is the misconception that financial advisers only “sell” investments or life insurance. The natural progression of this from a client standpoint, is that unless they have money to invest or want some life…

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On The Value of Advice – It’s A Funny Old World

I first met Keith (name changed to protect the guilty) about 5 years ago. He had recently moved to the area and was working part-time in a local retail outlet. His wife also worked full time in retail, but in a former life they had operated a small business interstate for some years. Keith’s attitude…

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Whose Goals?

It is a pretty tough thing when you are sitting down with a client, and the conversation ends in tears. It happens more often than you might think.   On the latest occasion I was talking to a new client about what they were trying to achieve and why they had come to see us…

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On Advice

We call ourselves advisers, which means we provide “ADVICE”, but what is advice anyway? There are many professions who are in the business of providing advice, from doctors and dentists to accountants and lawyers, from engineers to motor mechanics, from architects to builders. We all get a lot of advice in our lives, some of…

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Doesn’t Anyone Understand Superannuation?

I am consistently amazed at the lack of understanding of the true nature of superannuation. I have written previously at length (see here), but following a couple of recent conversations I thought I should take the issue up again. The dictionary is not much help: Superannuated 1. to allow to retire from service or office on…

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Do You Want It Badly Enough?

I describe myself as a poor but enthusiastic golfer. There is nothing that I like more than wandering around a paddock in the sunshine attempting to hit a small, defenceless white ball with a tool that is ill-equipped for the purpose. Like most golfers, a goal of mine is to lower my handicap sufficiently to…

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