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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.

Many younger Australians are joining the Financial Independence, Retire Early (FIRE) movement. Is it right for you?

When you’re starting out in the workforce and building your career, retirement can seem like a long way away.

What’s the difference? Accidents happen every day, so it pays to be protected. With so many different cover options, many people question what’s right for them and their families.

Five reasons why it’s more complicated than you think!

Over the past 5 years, I have written annually where I thought the property market was, and what was likely to happen moving forward. So far I’ve had a 100% success rate. I guess I wouldn’t be writing this if I got it wrong.

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.

Investments, retirement, superannuation and cash flow. These are the financial issues that keep Australians awake at night.

The key to building wealth is to spend less than you earn, invest appropriately, stick to your plan, and start early.

I’m a big believer that money education starts at home. Our children look up us as heroes and in my opinion a hero is a leader to their family.

Money leadership is one of the most important responsibilities we have as parents. We encourage all our clients to talk about money openly and freely as soon as possible with their children. From my experience, here are the top 5 ways we help teach our children about money...

Whatever your age, if you're thinking of dabbling in investments like shares, managed funds or cryptocurrencies, here's a list of common mistakes which are generally worth steering clear of.

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.

Chances are you either have a side gig (a way to make money on the side of your usual job), want to have one, or you benefit from someone else's.

Key points

• Share markets have fallen sharply over the last week or so on the back of coronavirus concerns.

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.

If you set yourself money goals at the start of 2019, the upcoming new financial year is a great time to check if you’re on track.

Investors in Australia’s two largest residential property markets are getting the lowest rental yields in the country as stagnant rent prices are outpaced by capital gains.

"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.

When it comes to superannuation, most funds offer a range of investment options.

If your spouse is a stay-at-home parent, freelancing, studying or out of work, adding to their super could benefit you both financially. 

Top 5 financial predictions for the new year (and let’s face it, every year after)

Should you be concerned about what's going on in the share market/s lately?

Key points

• Shares are at risk of a short-term correction or consolidation, but investment markets should provide solid returns this year on the back of continuing economic recovery and low interest rates.

Key points

• 2019 saw growth slow, recession fears increase and the US trade wars ramp up, but solid investment returns as monetary policy eased, bond yields fell and demand for unlisted assets remained strong.

Still in the "sweet spot", but expect more volatility ahead - following are the key points:

• Despite the usual worry list, 2017 has been pretty good for investors as global growth and profits accelerated and central banks stayed benign as inflation stayed low.

Once upon a time, the mantra of the ethical investor was morals before profits. Not surprisingly, ethical investing remained a niche market. But not anymore.

See what things you might have at home that could deliver you cost savings later on.

We all enjoy the odd bargain and inexpensive label that delivers quality at a fraction of the price; however, sometimes shelling out a bit more up front can mean greater cost savings down the track.
Check out these seven things that could provide you with financial benefits over the long term.

As retirement comes into view, it’s time to imagine a new you for the post-work age.

Good intention, but traditionally not a successful concept. How are the kids supposed to know what to do with the money they’re given?   

What is a budget? A budget is a plan that works out how you will manage your income and expenses.

Maintaining a budget is a powerful way to control your money.

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.

For many people, super remains a highly tax-effective structure to hold investments for the accumulation of retirement savings, as well as maintaining their risk/insurance protection.

While talking about money is not the most romantic way to spend an evening, it's worth putting some time aside to explore shared goals and the way you manage your money as a twosome.

The parts of the world where people live longest may hold the key to the fountain of youth.

Congratulations to Leigh Morris who screened on Channel 10's Eyewitness News - on Sunday 14th January 2018.

Watch the replay of Leigh's interview and the importance of budgeting and cashflow.

What does it mean for the bear market in shares?

Buying your first car, helping the children get a good education, enjoying a rewarding retirement.

No one wants to budget. It’s scary, it takes a long time, it would deprive me from…

Over the next few months we will be providing some helpful tips on talking money with the 3 age groups - Children 4-8, Tweens 9-12 and Teens 13-18.

Now you can put more into super at the concessional rate of tax, starting from the 2019-20 financial year.

From our beaches and outdoor lifestyle to our democracy and cultural diversity, there a lot to feel happy about in Australia.

Close to one in three Aussies is feeling the pinch financially, with money worries reportedly leading to sleep loss, conflicts in relationships, isolation, as well as a range of other things.ⁱ

Whether it’s finances or fitness, spending time on setting your goals can reap rewards.

With nearly one in three people planning to save their tax return, have you considered what you might do with yours?

We’ve all had the feeling. You step off the plane from Bangkok still buzzing, images from your holiday flitting through your mind - the Parthenon, Big Ben, the Eiffel Tower. 

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. 

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? 

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.

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

It seems that financial stress is keeping every generation up at night, albeit for different reasons.

Confused about salary sacrificing? You’re not alone. Let us clear it up for you.

Sounds easy, but in reality it’s much harder than that.

In the moment, most of us would rather have that $15 lunch special than increase our super contributions by 1%. “Later” doesn’t hold up so well against “now.”

After being a Financial Planner for over 30 year and being an avid investor for over 45 years. I thought I’d seen it all.

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.

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.

Christmas isn’t coming, it’s already here! For most of us, December is when the reality of Christmas really kicks in and has us scrambling to get organised.

Knowledge is power. The more you’re aware of how your mind works the more you can adjust your attitude towards money. 

Many people over 50 are putting their skills and experience to work in their own businesses. 

What is Superannuation and what’s so super about it?

There are four distinct Gift-Giver Personalities represented across generations, genders and geographies in Australia.

Almost $20 billion spent on gifts each year, Australia is a generous nation.

For many Australian families the arrow of intergenerational help is pointing in a new direction.

Mainstream and financial media keep presenting us daily with the ever-present worry list surrounding investment markets that relates to economic activity, profits, interest rates, politics, etc. Or by the perennial predictions of an imminent crash.

What is financial wellness? How you 'feel', is your wellness. How you 'feel' about your money is your financial wellness.

Here are some tips to start paying off your debt. $45 billion. That’s how much Australians owe on their credit cards.ⁱ

If you’re like three out of four Australians, you may have started the year without a proper budget.ⁱ

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.

Key points

• Despite continued volatility, 2019 is likely to be better for diversified investors than 2018 was.
• Watch the US trade war, the Fed, global business conditions indicators, Chinese growth, politics and the Sydney and Melbourne property markets as well as the upcoming Australian Election in May 2019.

If you're wondering how you'll make ends meet over summer, check out these tips on how to spend, without spending every cent.

For the next time you're itching to get out, but don't want to spend a fortune, here's a list of 10 things to do for about $10 (or less).

Key points

• Australian growth slowed even more in the December quarter. Growth may bounce back a bit this year, but the housing downturn will likely constrain it to around 2- 2.5%.
• As a result, unemployment is likely to drift up and wages growth and inflation remain lower for longer.