Independent Financial Adviser

Independent Financial Adviser

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How to manage rising interest rates Rising interest rates are almost always portrayed as bad news, by the media and by politicians of all persuasions. But a rise in rates cuts both ways.   Read more
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Avoiding emotional bias in financial decision making Our emotions colour every aspect of our lives including our financial lives. Recognising how emotions can influence your financial decision making puts your rational side back in the driver’s seat and can help you to achieve positive outcomes in business and your personal finances. Read more
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Tax offset v tax deduction: What’s the difference? This year’s Federal Budget was full of talk about one-off support for households in the form of tax offsets, but most people are a bit hazy on the difference between a tax offset and a tax deduction. Read more
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The road ahead for shares Trying to time investment markets is difficult if not impossible at the best of times, let alone now. The war in Ukraine, rising inflation and interest rates and an upcoming federal election have all added to market uncertainty and volatility. Read more
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Going guarantor on a loan If you guarantee a loan for a family member or friend, you're known as the guarantor. You are responsible for paying back the entire loan if the borrower can't.

If a lender doesn't want to lend money to someone on their own, the lender can ask for a guarantee.

Before you agree to be a guarantor, think carefully about your own finances. Make sure you understand the loan contract and know the risks.

If you're feeling pressured or unsure about a financial decision, speak to a financial counsellor. It's free and confidential. Read more