More than one million Australians manage their superannuation via a self-managed superannuation fund (SMSF) structure. Many are motivated by the desire to have control over their own money, the potentially lower costs, or the option to make investments that aren’t available to members of public offer funds. Whatever the reason, if you are a trustee […]
Trauma insurance is the middle child of the personal insurance family. It’s overshadowed by its better-known siblings but it’s a quiet achiever that will do the heavy lifting when the circumstances require it. What trauma insurance is and isn’t Trauma insurance – sometimes known as critical illness insurance – provides a lump sum payment in […]
Time is running out to get your financial house in order before June 30. This is especially the case for anyone who has funds available to make a large cash injection into their superannuation retirement savings before the rules change. The 2016-17 financial year is your last opportunity to make a non-concessional (after tax) contribution […]
In many ways, applying for a loan has never been easier. Interest rates are comparatively low and competition among lenders for new business is intense. So it can come as a shock when a loan application is turned down. The reason is often a bad personal credit score, but few people understand what that is, […]
From 1 July 2017, a range of super reforms announced in the 2016 Federal Budget will take effect. For most people, the impact of these changes will be positive or neutral. Super remains a very attractive place to save for retirement. And there may be opportunities to grow your super and retire with more. While you […]
I have to admit, I get a real buzz when I hear someone talking about not knowing what to do with their money. The buzz comes from the excitement I feel knowing that I can help them. It might be in some small way, but more often it’s enough to help make a major change […]
The below video is an explanation of how you can work with a Financial Adviser: Owl Financial Management is an Adelaide based financial planning firm. You can contact us on 08 8362 0060 Why use a Financial Adviser
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 […]
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.
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.
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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