Independent Financial Adviser

Independent Financial Adviser

Businessman writing on paper pad
To lease or buy a business asset? That’s the question With business conditions picking up in Australia, many business owners are thinking about the equipment they will need to evolve in the years ahead. Read more
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A trusted investment vehicle Family trusts are a popular and effective investment structure to manage and protect your family’s fortune, but you don’t have to be worth a fortune to benefit from having one.

Despite their appeal, they are not for everyone. Indeed, it is suggested that if your assets are less than $300,000, and that is not counting your super, then it may well not be worth your while.

But for those with sufficient assets, a family trust can be an effective way to protect your family’s assets and limit your tax liability at the same time. So how do they work? Read more
Coin in jar
What if I exceed my super contribution caps? Making additional personal contributions to superannuation is a great way to boost your retirement savings in a tax-effective way. But there are strict caps or limits on the amount you can contribute each year and stiff tax penalties for exceeding the limits. Read more
Goal written with a dart
Achieving success through habits The new financial year offers an opportunity for taking an ‘out with the old, in the new’ approach, making a fresh start in relation to your financial affairs, it’s also a good opportunity to re-examine other aspects of your life. Read more
Inflation written on blackboard
What’s up with inflation? Fears of a resurgence in inflation has been the big topic of conversation among bond and sharemarket commentators lately, which may come as a surprise to many given that our rate of inflation is just 1.1 per cent. Yet despite market rumblings, the Reserve Bank of Australia (RBA) appears quite comfortable about the outlook. Read more