Are You a HENRY? High Earner… Not Rich Yet If you’re earning a great income but still wonder, “Why doesn’t this feel easier?” — you’re not alone. There’s a growing group of Australians known as HENRYs: High Earners, Not Rich Yet.  These are often professionals or business owners in their 30s and 40s with strong incomes, but not a lot of accumulated wealth (yet). Being a HENRY isn’t a bad thing. In fact, it’s often a really powerful position to be in, as long as income eventua

Working with busy professionals and business owners, we often identify common traits, behaviours and experiences in our clients. And burnout is one of those areas that is rarely spoken about but has become an all-too-common part of modern life. Long hours, constant pressure, and the feeling of never quite catching up can take a toll not only on your health and relationships, but also on your finances. When stress levels rise, financial decisions often suffer—sometimes with lo

When you go into business with a partner, there’s usually a shared vision, plenty of trust, and big plans for the future. Most partnerships start with good intentions — but life and circumstances don’t always stay the same. That’s where a buy‑sell agreement comes in. A buy‑sell agreement is a legally binding contract between business partners that sets out what happens if one of you wants, or needs, to exit the business. While it’s often seen as a “just in case” document, in

Every December, we promise ourselves that next year will be different . We set resolutions, buy planners, and dream big, but by February, most of those goals are already forgotten. Why? Because resolutions lack structure. If you want 2026 to truly be your best year yet, you need a framework that works. Frameworks provide a process that you can tailor to your own needs or way of doing things.  As an avid reader, I am curious about success.  What makes successful people…..succ

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

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When it comes to preparing your estate plan, most of you are aware to seek the advice of a legal specialist (those of you who think a...

‘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...

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Wait…what? Don’t you always tell us to do a Budget? Yes I do BUT, don’t do a budget if you are never going to look at. It’s useless....

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With rental property availability at critical levels, a social ‘tug of war’ is in play with investors held to account over rising rents....

To help you thrive in 2023, we have put together some bad habits to kiss goodbye. I am not sure why but sometimes it is easier to give up...

Cyber crime is on the rise. It remains our top priority to protect your data and sensitive information. Here are a few tips to help keep...