
Common Compliance Mistakes to Avoid and How to Address Them
Compliance is a cornerstone of our profession, extending far beyond simple box-ticking exercises. Our ongoing file reviews have revealed several recurring issues that require our attention. This email aims to provide a comprehensive overview of these common mistakes and offer practical solutions to address them effectively. 1. Inadequate Record-Keeping The Issue: Proper documentation of advice […]

Newsletter – September 2024
In a month that defied the typical “September effect,” both the Australian S&P/ASX 200 and the US S&P 500 saw gains, with the ASX 200 increasing by 0.95% and the S&P 500 rising by 1.49%. The housing market also showed resilience, with national dwelling values rising 0.5%, though the pace of growth is moderating. The RBA kept the cash rate target unchanged at 4.35%.

How Global Rate Cuts Affect Our Term Deposits
Australia’s major banks have recently decided to lower their term deposit interest rates. This change comes at the same time as US Federal Reserve Chair Jerome Powell announced that the US is likely to cut interest rates soon. This development has important implications for both the Australian and global financial markets, presenting opportunities for investors […]

Patience is a Powerful Strategy
In the fast-paced world of investing, it’s all too easy to get caught up in the whirlwind of daily market movements. Charlie Munger once said “The big money is not in the buying and selling, but in the waiting”; it’s a powerful reminder that patience is a cornerstone of successful investing. As we ride the […]

Understanding The New $3 Million Super Tax and How It Affects Your Wealth
With significant changes to superannuation tax laws on the horizon, it is essential for high-net-worth individuals to understand the potential impact on their wealth. The looming increase in tax rates on superannuation balances exceeding $3 million has generated substantial debate. As the implementation date draws near, taking a thoughtful and informed approach is vital. However, […]

Newsletter – August 2024
In August 2024, the Australian S&P/ASX 200 showed cautious optimism with a modest gain, influenced by inflation data and the RBA’s steady cash rate. The US S&P 500 outperformed, driven by positive economic news and potential interest rate cuts by the Federal Reserve. The Australian residential property market saw a national home value increase, with notable growth in Perth and Adelaide, while Melbourne and Hobart experienced declines. Inflation in Australia eased, but the RBA maintained the cash rate, anticipating economic growth in 2025.

Building Wealth Across Decades: Financial Strategies for Your 20s to 40s
Understanding how financial needs evolve throughout life is crucial for effective financial planning. The life-cycle approach recognizes that priorities shift from managing debt in early adulthood to wealth accumulation in mid-life and retirement planning in later years. By aligning financial strategies with one’s current life stage, individuals can create a more responsive and personalised plan […]

Newsletter – July 2024
In July 2024, both the ASX 200 and the S&P 500 exhibited positive performance, with the ASX 200 outperforming the S&P 500. The Australian residential property market also demonstrated resilience and growth despite economic challenges. However, affordability issues remain a significant concern. Market predictions suggest that the RBA may maintain its cash rate at 4.35%, though further rate hikes are still possible if inflation data continues to show persistent price pressures.

Your Guide to Smarter Spending and Investing
Imagine turning your $50 weekly impulse buys into a $39,000 nest egg. Sounds impossible? It's not. By redirecting just $2,600 a year – the cost of those small, often forgettable purchases – into smart investments, you could be setting yourself up for a significantly wealthier future. This article explores how to transform your spending habits and harness the power of compound interest, turning fleeting pleasures into long-term financial success. Discover practical strategies to curb impulsive spending and learn where to invest for maximum growth. Your future self will thank you for every dollar saved and wisely invested today.