Zen of a market crash Market corrections , market dips, bear markets..... who loves them? Not many...but what if I told you that maybe you should…? Actually, they’re never called any of the above. They’re always called a crash. Read more
You don’t pay me for my time I recently had to go to an eye specialist. The guy I went to was recommended to me as the best in his field. I showed up at the clinic on time, feeling a little nervous and unsure of what was happening next. Read more
When in doubt…kick it out! My old soccer coach was a wise man. He had a saying “when in doubt, kick it out”. He would always say if you’re under stress and someone’s bearing down on you at 100 miles an hour and you need to make a quick decision, if the passing option isn’t clear, if there’s risk of an interception or a miskick – just kick it out. Read more
When can I access my Super? Superannuation is generally intended to help fund your retirement, but there are instances where you may also be able to withdraw your super savings early, depending on your situation. Read more
What’s Really Going on in the World Economically ...Without the Bullshit The Global Financial World has had a lot going on over recent years. Ever since the Global Financial Crisis, interest in the economic situation has peaked among the general public, although it is easy to get lost in the financial jargon. Read more
Wealth building tips x 4 The key to building wealth is to spend less than you earn, invest appropriately, stick to your plan, and start early. Read more
We’re all about re-designing lives for better The SFP founder Bill Bracey features in a TV series - Your Best Interests (www.yourbestinterests.com.au) is about financial advice and the difference it makes to the lives of everyday Australians... Read more
The wisdom of ‘no change’ recommendation in investing In 2019, the Australian population tipped over 25 million. None of these lovely people have any chance of sustaining a successful investment strategy without the help of an empathetic and tough loving investment adviser. Read more
The recession and your home loan The word recession and economy have become incredibly popular in the last few months. Read more
The lucky country... Three reasons why Australia may come through this period of global misery better than most countries. Read more
The Change – Staying on track after a Divorce When you find out that your partner is wanting divorce, it’s like a traffic accident, everything goes into a slow motion. You can see it all unveiling around you, but you just don’t know what to do, or who to talk to. Whether it comes as a sudden shock or more gradually, divorce and separation brings emotional confusion to peoples’ lives and challenging issues to their finances. Read more
Super…should you do it yourself? "For many of us, building a sufficient superannuation balance for retirement is likely to be the most important thing we can achieve in our working life. After all, the quality of your lifestyle in retirement depends largely on how much you contribute to super, and the investment choices you make. Read more
Relief for NSW first home buyers The NSW Government is rolling out a new package designed to improve housing affordability across the state. Read more
Protecting your wealth - Insurance in plain English What is insurance? - Insurance is a form of protection - a way to protect yourself, your family and the things you own if something goes wrong. It enables you to replace or repair your assets, whether those assets are your belongings or your capacity to earn income. Read more
Post Budget, what to do now Well the 2016 Budget has been delivered, so what should we be doing regarding the changes to super? There are a number of big changes regarding contributions to super, but in short the Government is making it harder to get larger amounts of money into super, thereby making it harder for retirees to take advantage of the tax free status of a Super Pension (known as an Allocated Pension). Read more
Planning is the key to making it financially If you’ve paid off your home, have a healthy stash of super and take an overseas holiday each year, you’ve made it financially. That’s the view of many Australians according to recent research. Read more
Marriage in later life Romance blooms at any age, including as we get older and supposedly wiser about such things of the heart, and head. Read more
Making the most of record-low interest rates The Reserve Bank of Australia (RBA) took the cash rate to a record low of 1% in July, bringing mortgage rates to their lowest level in more than half a century. Read more
Making a difference and re-designing your life Thank you so much for your support for SFP Founder, Bill Bracey’s inaugural TV appearance on the series – Your Best Interests. We’ve been overwhelmed with positive feedback with many resonating with Helen’s story about how financial planning has made a difference to your life. Read more
It all starts with a single step. All you need to do is start Procrastination is no doubt the number one reason why people don’t become successful at achieving what they dream of. It is caused by the change that needs to happen. And we, humans, don’t like change that much! Read more
Investing in a holiday home Is it really your great Aussie dream? It happens every year. You’re strolling down the high street of your local beachside town enjoying a long hot summer with the family when a holiday home in the real estate agents’ window catches your eye. Read more
How to turn One Day to Day One – Budgeting No one wants to budget. It’s scary, it takes a long time, it would deprive me from… Read more
How Australians will use their tax return With nearly one in three people planning to save their tax return, have you considered what you might do with yours? Read more
Here's some free advice Stop taking advice from people that offer it for free. We’re all guilty of it at some stage in our lives. As we grow up, land our first job and receive our first pay check, friends, family and colleagues will all chip in to give you their pearls of wisdom. Read more
Happy New Financial Year 2019! Happy end of financial year! Bill Bracey of Sydney Financial Planning provides an economic update for the new financial year (July 2019). Read more
Give your career a health check Health... check. Finances... check. Career... check? Are you happy at work? Do you jump out of bed excited about tackling your next project? Or are you counting down the days until your holidays or retirement? Read more
Get ready for the first year of retirement Will you be a honeymooner, a go-getter or a relaxer? The first year of retirement is one of transition in which you will need to adjust to major changes that can bring big rewards. Read more
Fussy buyers snub houses that don’t present well If presentation isn’t on point, many buyers keep looking, which is an important point to remember for those wanting to sell in the current market. Read more
Further Federal Government Stimulus Package announced On 22 March 2020 the Government announced a further package of measures designed to stimulate the economy and assist individuals and businesses with mitigating the negative economic impacts associated with the Coronavirus pandemic. Read more
Five handy tax tips you should know Tax time is looming, which means it’s time to brush up on your tax minimisation tools. We’ve provided a few examples below to get you started Read more
Financial stress keeping you awake at night? It seems that financial stress is keeping every generation up at night, albeit for different reasons. Read more
Everything you need to know about salary sacrificing Confused about salary sacrificing? You’re not alone. Let us clear it up for you. Read more
Dig up your forgotten fortune In 1930, Harold Bell Lasseter claimed that when three decades earlier he rode on horseback from Queensland to the West Australian goldfields, he stumbled across a huge gold reef. Over the next 80 years, scores of expeditions set off to the region near the border of the Northern Territory and Western Australia, but no-one ever found a sliver of evidence of the socalled Lasseter’s Reef. Read more
Can delayed gratification help you with your finances? Are you the type of person who always has to have the latest clothes, smart technology or gym gear? If you answered yes to this question, you could be a person who likes instant gratification, that is, you like to indulge in instant reward now, rather than exercising self-controli, in return for a potentially greater reward in the future. Read more
Be the boss of your cash If, like many others, your life and money feels a bit like a juggling act - paying bills here and there ... and "Uh oh, forgot about the council rates, guess that one's going on the credit card". You may be thinking that having some extra cash would solve a lot of your problems. Read more
August Economic Update 2020 We look at a few statistics on what has happened with the economy so far and insights into what's to come. Read more
6 steps to get your money stuff together If you’re like three out of four Australians, you may have started the year without a proper budget.i Read more
5 habits to become financially secure Ever looked at a friend who has everything together and thought 'what's their secret?' Here are five habits you can implement to help achieve financial security. Read more
3 ways to get your feet on the property ladder Creative ideas for younger Australians to invest in property It won’t come as a huge surprise to learn that Australian homes are among the most expensive in the world. In a recent surveyi every Australian town and suburb was rated as ‘seriously’ or ‘severely’ unaffordable. And if you’re in a capital city it’s even worse, with the average Sydney home costing nine times average household income. Read more
2017 Most Trusted Adviser Sydney Financial Planning earns 'Most Trusted Adviser' status for the fourth year in a row! Read more