Carol* was in a state. She had just spent 1 hour and 40 minutes on the phone with Centrelink trying to assure them of her entitlement to JobSeeker Payment and finally had convinced the agent that she had registered several…
When to Sell “The markets are falling, when should I sell and cut my losses?” is a very common question in times like these. In fact, selling is exactly the opposite of what you should be doing as an…
We have grown very used to investment markets continually rising. From the depths of the Global Financial Crisis (GFC) in March of 2009, we have seen a steady increase in asset values for a period of more than 10 years,…
Remember how 2019 was going to be the year where you got your personal finances in order? If you are now as organised as you wanted to be well done! If not, I am going to bet that one of…
You may not have thought of this but like many of you not only am I a financial adviser, but I also operate a small business. Like most small business owners I spend a great deal of my working life…
I was having a conversation with a client the other day who was feeling nervous about the state of the share market. This guy has been a client for many years so is quite experienced in terms of the ups…
With the end of financial year approaching, here are a few last minute reminders which might jog your memory, and give you the chance to take action before its all too late on Monday 1st July. If you want any…
In case you hadn’t noticed, we have a Federal election on 18th May. Whilst at Innovus we are politically agnostic (and the political views of our team are their own), we have put together the following summary of announced Labor…
Nobody likes a budget, in fact, in my experience, a major reason why people are reluctant to seek the services of a financial adviser is that they are fearful of have a budget imposed upon them. In addition, the hardest…
I am writing this article on our way to our happy place in the South Island of New Zealand. This must be our tenth or twelfth visit to this region, but it has been nearly three years since we have…