Owning a family company comes with significant responsibility regarding how payments from the company to you or your family member are handled. Most payments from a company are considered as dividends in the recipient's hands, except the return of original…
The Federal Government is proposing changes to the personal income tax cuts initially set to begin on July 1, 2024. The three-points plan announced in the 2018-19 Federal Budget, aimed to address the issue of tax rates not keeping up…
Some little time go I had a fairly veiled rant about the focus of media attention on the short-term movement in investment markets. I thought a few pictures might amplify, so I took to the stocks app on my iPhone.…
Tuesday’s decision by the Reserve Bank of Australia (RBA) to increase interest rates has only added to what has been a bumpy start to the year in both share and bond markets. Markets like certainty, they thrive when the future…
The COVID pandemic has been awful for many around the globe. It has changed life as we have known it, perhaps forever. If you can put that aside, for investors, super fund members and homeowners, 2021 was about as…
One of the questions that is regularly asked relates to how superannuation is dealt with on a person’s death. Picture this… Dave and Marg are retirees. They both have accumulated superannuation which is being used to pay each of…
I have been a financial planner and advising clients for the better part of 30 years. From that experience, I know that the transition to retirement is one of the most daunting times that clients are faced with. You will…
As financial planners, we are able to - and do - discuss property as an asset class. We have chosen not to advise our clients on the merits of a specific or individual property, tending to access property as part…
At times like these, it is tempting to seek a secure prediction of the future, after all, we have been living through uncertain times for most of the last year or so, from floods to fire, back to floods and…
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…