The clock is ticking for investors who want to take advantage of the more generous tax concessions available in super this financial year. As of July 1, new rules come into effect that will reduce contribution limits. Until then, individuals under 65 can make a non-concessional (after-tax) contribution of up to $540,000 under the bring-forward […]
With interest rates on the rise, now is the time to look at ways to fast track your mortgage. After all, the sooner you pay off your mortgage, the less you will pay in interest. That’s probably why nine out of ten Australian mortgage holders told a recent finder.com.au survey that they try to pay […]
A quality education is a lifelong resource and a powerful launching pad for young Australians. But with education costs rising at more than twice the rate of inflation, it’s more important than ever to plan ahead for the investment you’re making in your child.i Grandparents may also like to help their family by investing money […]
This is a short explainer on how debt recycling can assist in growing your wealth. Owl Financial Management is an Adelaide Based Financial Planning Business. To discuss the strategies outlined in this video, contact us on 0883620060 Debt Recycling
The word “thrifty” is rarely thought of in a positive sense but that’s not fair because if we continually spend more than we earn, our debts will eventually catch up and other words such as “default” or “bankrupt” might become more familiar. Being thrifty doesn’t mean doing without – quite the opposite. Here are six […]
It is a common question that we get asked about the best types of mortgage structure. Some mortgages are very simple, others have bells and whistles on them. We speak to a lot of clients about offset accounts. Now offset accounts are actually savings accounts sitting within a mortgage structure. Keep reading to find out […]
The photos are enticing: hibiscus pinks and ocean blues; white beaches and enjoyable warm evenings. For people in their 20s and 30s, tropical holidays are rites of passage few can resist; fewer still can afford them – even if we think we can. The Thailand package was only $500, but James, having just paid his […]
There is a fascinating page on ASIC’s MoneySmart website. A “Credit Card Debt Clock” that displays in real time how much Australians owe on their credit cards. When we started writing this article it was up to $31,768,792,850 in outstanding debt with an astonishing amount of around $5,470,000,000 per annum owed in interest! That’s over thirty-one […]
Juggling multiple debt payments? Consolidating all your debts into one loan may help – but make sure you do your homework before you take action. Got credit cards, personal loans and a car loan too? If you’re struggling to pay it all off, you may have considered consolidating all your debts into one loan. There […]
Five ways to stay out of the red now – to get you into the black in the future. According to the latest ABS figures, more than 70% of Aussie families are carrying some debt – with 26% of this group holding debts worth three or more times their annual disposable income. If debt is […]
We are an award winning practice that has been providing financial advice to South Australians since 1969. We really enjoy getting to know our clients and building a relationship with them that lasts over many years. We have a diverse range of clients from mum and dad to AFL players to ASX CEOs. All of which have a diverse range of financial advice needs and very different relationships to maintain. Our clients describe a 'breath of fresh air', personable, expert and people with high integrity. Clients have also mentioned that they are not treated as a number and the advice is specific to them. Working with clients for clients.
Financial Planner Adelaide
The one most rewarding thing about being a financial planner in Adelaide is when you have been working collaboratively with a client in developing and building their goals and objectives and the come to fruition. This give both the clients and myself a real sense of achievement and to use the famous quote 'are we there yet?' and together we can say YES! There has never been a better time to look towards what you want to achieve and start a financial plan so you can get there too.
Financial Planning Adelaide
A person's financial story is like a jigsaw puzzle... "lots of pieces needing to be put into their correct places". A financial adviser can assist a client to put the pieces in the right places by having a series of simple conversations about where a they are currently situated, where they want to be and what strategies can assist them. Every client has a different financial story and goals. Each jigsaw puzzle will always be different. A good financial adviser is experienced at putting together a wide range of jigsaw puzzles. Helping a client put their own puzzle together and seeing their satisfaction is a wonderful feeling.
Barry Phillis, Chris Scriva, Paul Cetrangolo and Owl Financial Management Pty Ltd are Authorised Representatives of GWM Adviser Services Limited Australian Financial Services Licensee Registered Office at 105-153 Miller Street North Sydney NSW 2060 and a member of the National Australia group of companies.
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