Luxury inner city apartments marketed as ‘perfect for empty nesters’. TV shows where cool older divorcees live in luxury on the waterfront. The ‘grey nomads’ community selling up and taking off in their camper vans. Even twenty years ago, the idea of downsizing wasn’t really part of our culture. The parental home was something to […]
Here we go again. Superannuation could be about to undergo more change with the federal opposition announcing it will end cash refunds of franking credits on share dividends if it wins the next election. The change would have a significant impact on people paying little or no tax, especially self-funded retirees in pension phase. Seniors […]
Legislation has passed that will enable people aged 65 or over to make additional super contributions of up to $300,000 per person from the proceeds of the sale of their home from 1 July 2018. These are known as ‘downsizer contributions’ and they can be made on top of the existing contribution caps, without having […]
Australians buying their first home or downsizing in retirement are about to receive a helping hand thanks to new superannuation rules which come into effect on July 1. From that date, first home buyers will be able to contribute up to ,000 into their super fund towards a home deposit while downsizers can put up […]
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 […]
If you entered the world between 1980 and 1996 you’re part of the “millennial generation”. You’ve grown up in an age of unprecedented abundance and incredible technical innovation, and as a group, enjoy a greater wealth of opportunity – professionally, socially and recreationally – than any previous generation. Many goods and services have never been […]
While the introduction of a .6 million pension transfer balance cap will not affect many Australians, key changes will need to be made if you are impacted. The rules to ensure people don’t transfer more than $1.6 million from the ‘accumulation’ phase of super into the ‘retirement phase’ (otherwise known as a superannuation pension or […]
The super reforms impact transition to retirement pensions and the role they could play in pre-retirement planning. What’s a transition to retirement pension? A transition to retirement (TTR) pension is a pension that has started with superannuation money when you have reached your preservation age8, but have not yet retired. These pensions can provide a […]
From 1 July 2017. Personal deductible contributions for employees as well Currently, only those earning less than 10% of their income 7 from employment (the ‘10% test’) are eligible to claim super contributions as a tax deduction. From 1 July 2017, all individuals under the age of 65 (and those aged 65 to 74 who […]
Some opportunities to grow your super and retire with more may be available before and after 30 June this year. Before 1 July 2017. Maximise non-concessional contributions In the current financial year, non-concessional contributions are capped at $180,000 pa or $540,000 if you bring forward up to two years’ worth of contributions. Other conditions apply (www.ato.gov.au). […]
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.
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