For many people, debt is a dirty word. But not all debt is created equal. There’s good debt and there’s bad debt, and then there’s the good debt that can get pretty ugly if it’s not managed properly. Learning to use debt intelligently could make all the difference to your personal bottom line. Good debt […]
Record low interest rates are making it harder for your money to keep pace with the rate of inflation. While it may be a struggle to grow your wealth in such an environment, low interest rates do mean that it is cheaper to borrow. So why not take advantage of this opportunity by borrowing money […]
Annuities have been enjoying an upsurge in popularity since the global financial crisis, but they are about to become even more attractive to new retirees thanks to changes in the deeming rules. That’s because annuities are exempt from the new deeming rules which will impact any account- based superannuation pensions that are started after January […]
It’s been a volatile time on global investment markets, as shares and other assets are knocked about. At times like these it’s little wonder that more cautious investors decide it’s too risky to line up at the start line. No sensible person would take risks with their hard-earned cash for the sake of it, but […]
Australia has recently signed a number of free trade agreements (FTAs) and has another in the pipeline with India. The landmark deal with China and the largest free trade agreement, the Trans-Pacific Partnership (TPP) between 12 Asia-Pacific nations, including the United States will have a significant impact on all Australians. As tariff barriers fall like […]
The Australian residential property market is front page news, amid concerns that Sydney and Melbourne are in bubble territory, as investors and would-be owner-occupiers slug it out at weekend auctions. This creates wealth for home-owners and a sense of desperation among first home-buyers, but it also begs the question: Is property ownership all it’s cracked […]
Australia’s historically low interest rates are great news for borrowers but a headache for savers. Whether you are a young single saving for a home deposit, a family saving for future education costs or a retiree seeking income, the hunt is on to find the best return on your savings. In a recent survey by […]
The first place Australians turn to in the search for a safe haven for their savings is generally the bank. But safety can bring its own risks. When interest rates are low, the biggest risk to your future prosperity is inflation. Inflation slowly nibbles away at the value of your money, so that $100 deposited […]
Highlights; The Greece debt crisis has diminished as a concern for investors China’s Shanghai Composite Index remains volatile US economic data continues a positive trend Further positive growth signs in the Eurozone China’s PBoC remains on a continued stimulus strategy in order to meet growth targets RBA maintains the cash rate at 2.0% at its […]
If you’ve come into a large sum of money, you want to make sure you make the most of it. So is it better to pay off your mortgage or invest it for retirement? Paying off the mortgage According to the Australian Bureau of Statistics, around one in three Australians owe money on their home […]
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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