A big pay rise is a moment to celebrate. You’ve earned it—whether through hard work and dedication or maybe through a promotion or new job. But before you upgrade your car, move into a bigger home, or start dining out more often, there’s a silent financial trap you need to watch out for: we call it lifestyle creep. What Is Lifestyle Creep? Lifestyle creep happens when your spending increases in line with your income. It’s not reckless—it’s subtle. You start buying nicer cloth

When it comes to building wealth through investing, few concepts are as powerful—and as misunderstood—as compound interest. Often called the “eighth wonder of the world,” compound interest is the process where your investment earns returns, and those returns then earn returns themselves. Over time, this snowball effect can turn modest investments into substantial portfolios. What Is Compound Interest? In simple terms, compound interest means you earn interest not just on your

Milestones aren’t just about celebrating life’s big moments, they’re also important when it comes to financial planning. To help you make...

30 June is around the corner, so here are a few useful strategies for the end of financial year: Top up your super Personal deductible...

Creating generational wealth is new skill set for many of us.  As our society becomes wealthier new complexities arise in managing and...

Thinking about taking control of your retirement savings with a Self-Managed Super Fund (SMSF)? Here's a comprehensive guide to help you...

If you're new to investing and seeking a seamless way to grow your wealth, index funds might be the ideal solution. Let's delve into what...

So, you thought your financial plan would be straightforward—but then your adviser says, “You’re complex,” and you’re left wondering,...

The share market can be a confusing place, filled with misinformation. Let’s take a moment to debunk some common share market myths to...

There are a lot of reasons why trustees might choose to wind-up their SMSF from performance to a change in circumstances. We look at the...

Professional services are highly respected careers and generally well recognised for earning high incomes. What is less talked about is...

Retirement is a big milestone in the journey of life and comes with many decisions to be made.   Planning ahead can ensure you make the...

‘Tis the season to be giving so here are my financial gifts to see you thrive in 2024: Day 1 Set your financial goals for 2024 (don’t...

Inflation has remained higher for longer than predicted to the point where the phrase has become a mantra of the Reserve Bank of...

Debt recycling is a strategy that aims to help you pay off your non-deductible debt (eg your home loan) as quickly as possible, while...

This is an important issue at present, given resilient inflation and geopolitical issues. We have “borrowed” this article to share with...

It might come as a surprise to learn that many retirees are afraid of spending their money in retirement. Modelling how much a client...

For those of you who have a Self Managed Super fund, as trustees you should be aware of some recent changes effective from 1 July 2023....

Wondering how to make your money last in retirement? You are not alone, it’s probably one of the most common questions we get asked....

Due to the recent issues with some US and European banking facilities, many have been questioning the security of their savings in...