When you are doing something you like or love, time seems to fly by. They call it the State of Flow. And whenever you find yourself in a State of Flow, think long and hard about what you are/were doing while in that State of Flow. Why? Because that State of Flow activity is very…
What if I told you that most Australian employees are handing over far more tax than they need to… simply because they believe they don’t have options? What if the tax system isn’t as stacked against PAYG earners as you’ve been led to think…but you just haven’t been shown the right strategies? And what if…
Estate planning is different for everyone and especially in today’s modern environment of potentially blended families. So, with more people remarrying, it’s critical to prepare for the distribution of your wealth upon your passing. While you are alive, the estate planning process allows you to manage and preserve your wealth for those you will one…
Imagine checking your bank account one morning and realising someone else has been using your name, your details, your money, and you had no idea until it was too late. It’s the kind of nightmare we all hope to avoid. But for some Australians, that risk is far higher than others and it has nothing…
How was your year in 2025? Knowing what you know now, would you do differently? I have been reflecting on what I can change ready for this new year and the most important words that came to mind were Gratitude and Privilege. I am grateful for all of the material things that I have, love,…
I’ve always believed that the start of every year is the ideal time to consider your wealth creation goals. So, why don’t you ask yourself this question: Will this be like most other years where good intentions are forgotten or put aside because of the pressures of everyday life? As the saying goes: Why put…
The concept of ‘living within your means’ used to be a simple way of life. In years gone by, credit cards and personal loans were much more difficult to obtain, so there was really no other option. Today, however, we live in a society that offers easy access to unsecured credit. With the average Australian…
The topic of inheritance is often shrouded in a cloud of complexity and misconception. Many people think that sophisticated estate planning tools like testamentary trusts are only for the wealthy elite. However, this couldn’t be further from the truth. With rising divorce rates and the increasing complexity of modern families, testamentary trusts and other estate…
Australia is at the precipice of a monumental shift in property ownership, thanks in large part to an aging population. The Baby Boomer generation is aging, and with that will come a massive transfer of wealth. Bernard Salt wrote an insightful column in The Australian – “Get ready for Australia’s great home inheritance avalanche,” suggesting…
Inflation cooled in November, as a wave of retail discounting helped ease the pressure on household budgets during the holiday period and bolstered the case for the Reserve Bank to hold interest rates steady next month. However, a hike is by no means off the cards. ABS data released this week shows headline inflation dropped…
