Boosting superannuation savings while cutting tax might sound too good to be true, but for the over 55s the Transition to Retirement pension is a legitimate strategy than can deliver extra benefits. The TTR pension was originally introduced to assist people wanting to ease their way out of the workforce. You could work part time […]
How the great outdoors got its groove back Caravanning and camping are sometimes seen as old-fashioned holiday options, but times are changing. Improved technology and facilities and a falling Aussie dollar have seen a resurgence in the back-to-nature getaway. And if you think it’s only retirees and boy scouts ‘roughing it’, think again. In fact, […]
Today’s retirees often have a bucket list including everything from overseas travel to learning new skills and spending time with friends and family. It’s safe to say that residential aged care is probably not on the list. Most people avoid talking about aged care, let alone actively plan for it. ‘I suppose I could go […]
The aged care system can seem daunting. But by understanding what’s available, you can make sure you or your loved ones get the care they need. Perhaps you have ageing parents who need some help around the house or are thinking of going into care. Or maybe you’re planning ahead for yourself. After all, even […]
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 […]
With interest rates at record lows, investors have been searching high and low for a decent yield. And they’ve been finding them, but not where you might expect. Conventional wisdom says to buy bonds and term deposits for income and shares for growth, but low interest rates have turned that advice on its head. Instead, […]
Common sense may say that the time to invest is when markets are down, but the reality is that most investors wait until markets are running hot before they get on board. Then, terrified of losing money, when the market starts to fall, they sell. The psychology of an investor plays a significant role in […]
The countdown to the end of the financial year may not create the same excitement as the approach of New Year’s Eve, but it does have one saving grace. With a little bit of planning before June 30 you could end up with a welcome financial pick-me-up after the Christmas-New Year spending spree. The general […]
Investors and retirees The good news for retirees is that the government will continue to index the age pension to wages, not inflation. It has also repeated its pledge not to make any changes to superannuation in this term of government and has maintained its hands-off approach to negative gearing, dividend imputation and capital gains […]
Want a happy, active and meaningful retirement? It might be time to think about volunteering. At last count, over a third of Australians were volunteers. The majority donated their time to sport and physical recreation, while 37% of those aged 65 years and over chose community and welfare organisations1. The evidence shows that volunteering is not […]
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 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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