Empowering your clients

Providing affordable advice to lower balance clients

Providing affordable advice to lower balance clients

Clients with different financial needs still need advice. So what is the best way to provide it when they’re struggling to make ends meet?

4 mins read
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Single Touch Payroll is here

Ready or not. Single Touch Payroll is here.

Employees are covered when it comes to superannuation with the ATO’s matching initiative.

4 mins read
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The world of crowdfunding for businesses

The world of crowdfunding for businesses

Collective funding might seem appealing, but this type of non-regulated investment means it’s vital to dig deep with research.

2 mins read
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What's your downsizer contribution strategy?

What's your downsizer contribution strategy?

The tax pros and cons of downsizing your home, upsizing your super, and keeping afloat as your capital changes.

4 mins read
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The mortgage offset account: favourable and unfavourable consequences

The mortgage offset account: favourable and unfavourable consequences

Offset accounts, re-draws and line of credit loans are all popular variants of a home loan, but to be effective they need to be managed carefully. 

5 mins read
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How to teach children about money and investing

How to teach children about money and investing

Involving children in family budgeting conversations will set them up for financial literacy. 

4 mins read
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How to manage Enduring Power of Attorney responsibilities

How to manage Enduring Power of Attorney (EPOA) responsibilities

Tips for best practice management of your parents’ finances if they appoint you as their enduring power of attorney.

5 mins read
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How to adjust financially when one partner goes part-time

How to adjust financially when one partner goes part-time

A partner dropping to part-time work can have a big impact on a family’s finances. Here’s five things you should be doing and considering in this situation.

4 mins read
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Airbnb hosting: What to consider financially

Airbnb hosting: What to consider financially

Before putting your spare room on a share accommodation site, there’s a few things you should know. Here’s the financial considerations of being an Airbnb host.

4 mins read
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What rising global interest rates mean for Australians

What rising global interest rates mean for Australians

While Australia’s interest rate remains unchanged, around the world it’s a different story. Here’s what rising global interest rates mean for Australians.

3 mins read
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What exactly is the yield curve?

What exactly is the yield curve?

Current talk is all about an inverted US Government Bond yield curve and a possible economic slowdown for the US. But what does that mean for investors?

5 mins read
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Ageing parents? How to avoid money blow-ups with your siblings

Ageing parents? How to avoid money blow-ups with your siblings

Nearly 70% of adult sibling blow-ups are about inheritances, parental care and financial support, so it’s smart to talk things through before problems arise. 

5 mins read
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The definition of 'income' for common concessions

The definition of 'income' for common concessions

The Australian Government uses different definitions of income to calculate different government benefits. Here’s what income means for some common concessions.

5 mins read
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6 tips to keep your SMSF records in order

6 tips to keep your SMSF records in order

Life’s hard for the trustee of an SMSF, with various records to manage. Here’s six tips to ensure your fund runs efficiently and you don’t drown in paperwork.

5 mins read
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Options Part 2 - Options strategies

Options Part 2 - Options strategies

The second in our two part series, this video will help you explain the different types of options strategies to your clients. Start with 'Options Part 1 - What is an Option?' first if your client is new to options.

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Options Part 1 - What is an Option?

Options Part 1 - What is an Option?

The first part in our two part series on options, this animated video will help you explain how an option works to your clients in simple terms they can understand.

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Pension Loans Scheme: 5 things you need to know

Pension Loans Scheme: 5 things you need to know

Many retirees find themselves looking for a way to pay for expenses like aged care. From 1 July 2019, the Pension Loans Scheme (PLS) may be an option.

5 mins read
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An exploration of technology stocks

An exploration of technology stocks

Technology stocks are in the spotlight after Apple recently broke the trillion dollar stock market valuation barrier. Here’s what Aussie investors need to know.

3 mins read
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The falling Australian dollar explained

The falling Australian dollar explained

The Australian dollar has fallen from 81 US cents at the start of 2018 to below 72 US cents. We take a look at what’s driving the AUD and who stands to benefit.

4 mins read
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Which financial advice fees are tax deductible?

Which financial advice fees are tax deductible?

One of the biggest challenges is working out which financial advice fees are tax deductible. Here we break down the relevant principles.

4 mins read
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So, you want to give a child financial help?

So, you want to give a child financial help?

There are pros and cons for parents who want to give their children financial help, whether it be for a first home or business venture. Here’s what to consider.

5 mins read
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6 ways an SMSF attracts the ATO's attention

6 ways an SMSF attracts the ATO's attention

The ATO has highlighted a number of SMSF trustee activities it is concerned about. If your super is in a self-managed fund, here's what you need to know.

5 mins read
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Frankly speaking, dividends will continue to deliver

Frankly speaking, dividends will continue to deliver

Recent developments may make you worried, but while franking credits are great, even without them the dividend income from shares has plenty to offer.

3 mins read
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What to expect (financially) when you're expecting a child pt. 2

What to expect (financially) when you're expecting a child pt. 2

This article will help you prepare to meet the costs associated with welcoming a new baby to the world. For part one, click here

5 mins read
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What to expect (financially) when you're expecting

What to expect (financially) when you're expecting

Welcoming a baby is one of life's great joys. It's also a time of great uncertainty. We outline what to expect, financially, when you're expecting.

5 mins read
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How compound interest works

How compound interest works

Einstein said compound interest was the greatest invention in human history, but it doesn’t take a genius to make the most of it. Learn how it can help you.

3 mins read
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For new clients who actually need a financial counsellor

For new clients who actually need a financial counsellor

Struggling to pay the mortgage or your bills, or facing bankruptcy? You can reach out to free, independent and confidential financial counselling services.

4 mins read
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5 tips for downsizing your house and upsizing your super

5 tips for downsizing your house and upsizing your super

Should you take advantage of the new rules to downsize your home and contribute the extra money to super? We weigh the pros and cons, and offer 5 tips.

5 mins read
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5 ways to use insurance bonds

5 ways to use insurance bonds

Tighter contribution limits for super have made insurance bonds an appealing alternative for long-term savings. But they are more than a one-trick pony.

4 mins read
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What is an Investment Loan?

What is an Investment Loan?

We've created this short animated video to help you explain to your clients how an Investment Loan works, and the benefits and risks associated.

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5 ways to tidy up your financial affairs today

5 ways to tidy up your financial affairs today

Life is more fragile than we like to admit, so it’s important to make sure key documents keep up. Here is some advice on how to tidy up your financial affairs.

4 mins read
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Block out the hype: five ways to grow your wealth in 2018

Block out the hype: five ways to grow your wealth in 2018

The winds of financial change howled through 2017. But the consensus for growing your wealth in 2018 is clear: don't get blown away by hype.

 
5 mins read
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How will the government's childcare changes affect your family?

How will the government's childcare changes affect your family?

Managing work, kids and childcare is a real juggling act. Soon you'll have another factor to consider: the government's new childcare reform package.

4 mins read
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Mortgage vs super: where to stash your cash

Mortgage vs super: where to stash your cash

It’s the perennial question. You’ve got some spare income at the end of each month and you want to make the most of it. So where do you put it – in your mortgage or super?

4 mins read
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10 questions to ask yourself before retirement

10 questions to ask yourself before retirement

For many people, what they expect from their senior years, won’t be what they get. We're living longer and doing more – and we need to plan on paying for it.

4 mins read
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SMSFs and estate planning: tips and traps

SMSFs and estate planning: tips and traps

Your SMSF may be set up for your family’s benefit, but it can become the focus of bitter dispute when you die. Here are some tips and traps of SMSF and estate planning.

3 mins read
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How impact investing brings good returns

How impact investing brings good returns

Investing in a good cause can deliver both financial and social returns.

4 mins read
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What the TRIS changes on SMSFs might mean for you

What the TRIS changes on SMSFs might mean for you

Find out what SMSF trustees need to know about transition to retirement income stream changes ahead of 1 July 2017, in particular the removal of the tax exemption.

4 mins read
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Is life insurance in super still worth it?

Is life insurance in super still worth it?

Changes to super in 2017 means that it’s time to check whether you should be buying  life insurance through your super account or not.

3 mins read
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End of Year Wrap 2018

End of Year Wrap 2018

Prospects for the Australian economy remain good. The Reserve Bank recently said that GDP growth would be around 3½ per cent on average in 2018 and 2019. And we wouldn’t greatly disagree with the forecasts.

1 min read
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Do I need a family trust?

Do I need a family trust?

They’re not only for the rich and famous. Family trusts are an efficient investment vehicle.

4 mins read
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How do Exchange Traded Bonds work?

How do Exchange Traded Bonds work?

If you’re looking to boost the fixed income part of your portfolio, exchange traded bonds may provide an easier and more transparent solution.

4 mins read
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Three tax tips to consider before 30 June

Three tax tips to consider before 30 June

With the end of the financial year less than a month away, here are three tax tips to help get your investments in order.

4 mins read
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Why an SMSF adviser might save you time and money

Why an SMSF adviser might save you time and money

They might be called self-managed super funds, but that doesn't mean you can't get some helpful financial advice from time to time.

4 mins read
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A guide to giving: philanthropic strategies

A guide to giving: philanthropic strategies

Sharing your wealth to help others overcome disadvantage or to support worthy causes might mean digging your hand in your pocket on the street, participating in a charity auction or giving a regular amount by automatic deduction.

4 mins read
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The dos and don'ts of investment property expenses and depreciation

The dos and don'ts of investment property expenses and depreciation

The way you manage your investment property can make or break your returns.

5 mins read
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What are international investors interested in?

What are international investors interested in?

Australians are flocking to investments that deliver international exposure, and for good reason. Australian equities have been moving sideways, property is looking expensive and a multi-year bull market in fixed interest could be about to turn.

3 mins read
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Get set for the 1 July super changes

Get set for the 1 July super changes

The biggest changes to super rules in 10 years will come into effect on 1 July 2017, affecting everything from contributions to tax. 

5 mins read
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Technical analysis: the case for and against

Technical analysis: the case for and against

Is charting, otherwise known as technical analysis, an art or a science?

5 mins read
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What is an IPO?

What is an IPO?

Your clients may be unsure of what an Initial Public Offering (IPO) is and the different types of IPOs available - so, to help you explain this, we have created an animated video you can share with them. It provides a definition of an IPO, explains the different types of IPOs and their features.

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Cash flow management

Cash flow management

Good cash flow management is a powerful ingredient in the recipe for financial success. We have created an animated video you can share with your clients to help you explain the principles of good cash flow and the important role you can play in helping them achieve their financial goals.

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Client content: The advice you need when starting or growing a business

The advice you need when starting or growing a business

So you've seen a great business opportunity and of course you want to capitalise on it quick smart. Time for a reality check.

4 mins read
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How game design principles can help you and your client achieve goals

How game design principles can help you and your client achieve goals

Whether it's beating your sibling at tennis, getting a flawless three stars on Angry Birds or triumphing in a Monopoly battle, games motivate people to succeed – and financial advisers can learn from them.

4 mins read
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What to consider when choosing a super fund

What to consider when choosing a super fund

Choosing a super fund is just like dating, warns ASIC, pick correctly and you'll enjoy a blissful retirement. Match up with the wrong fund and you're in for a world of pain.

4 mins read
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Financial decisions you need to make before saying "I do"

Financial decisions you need to make before saying "I do"

The guest list, the flower arrangements, the dress: while these may seem to be important decisions leading up to your big day, one often overlooked consideration is how you and your loved one will merge your finances.

5 mins read
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Client content: Questions you should ask

Client content: Questions you should ask

Choosing a financial adviser is a little like choosing a new pair of shoes.

While shiny good looks can initially impress, what you’re really looking for is a genuine partnership; a confidence they’re going to give you all the right support, in all the right places, as you start walking the path to financial freedom.

But how do you make sure your prospective adviser is the right fit for you? While good old gut instinct is important, make an informed choice by asking your own questions. Here are seven to get you started.

3 mins read
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Client content: How to duck investment scams

Client content: How to duck investment scams

In the first seven months of 2015, over $45 million had been scammed from people in Australia. Here’s what you need to know to ensure you recognise and avoid investment scams – and how your adviser can help if you’re even remotely unsure.

4 mins read
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Client content: Is an SMSF right for you?

Client content: Is an SMSF right for you?

At some point, your clients are likely to ask whether you think it makes sense for them to have a self-managed super fund (SMSF). So what do you tell them?

4 mins read
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Client content: Investment opportunities once the mortgage has been paid

Client content: Investment opportunities once the mortgage has been paid

You've paid off your mortgage, probably the biggest debt you’ll ever have, but now what?

4 mins read
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Client content: Property vs shares – which one's right for you?

Client content: Property vs shares – which one's right for you?

When it comes to the debate over whether property or shares make better investments, it’s not a simple case of one delivering consistently better returns than another. We look at some factors to consider before making any decisions.

5 mins read
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Client content: 10 New Year's resolutions which could boost your wealth in 2016

Client content: 10 New Year's resolutions which could boost your wealth in 2016

Want to get ahead in 2016? Here are 10 New Year's resolutions that can help give your financial situation a boost.

4 mins read
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Client content: Transition to retirement pensions

Client content: Transition to retirement pensions

Pssst. Here’s a way you can reduce your working hours, but not your income. Alternatively, the same strategy could help to boost your super balance, giving you more to retire on later.

6 mins read
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Client content: If you have clear financial goals, you need a plan to achieve them

Client content: If you have clear financial goals, you need a plan to achieve them

No rudder, no GPS, no life jacket. You wouldn’t board that kind of boat, so why skipper your finances that way? Having direction, knowing your current financial position and establishing a safety net are all vital when it comes to charting your financial goals.

3 mins read
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Client content: There's much more to estate planning than a will

Client content: There's much more to estate planning than a will

Do you know how your loved ones will be cared for if something happens to you? If the answer is “no”, then it’s time you took steps to put your affairs in order.

5 mins read
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Client Content: What to look out for when reading the Terms and Conditions

Client Content: What to look out for when reading the Terms and Conditions

Let’s be honest, no one wants to spend their time reading extensive terms and conditions. But you mustn't let fine print apathy get the better of you, warns financial lawyer David Huggins.

3 mins read
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Client content: How women can close the super gap

Client content: How women can close the super gap

It’s no secret that women retire with about half as much in superannuation savings as men. While we wait for government policies to close the savings gap, it’s up to us to do what we can to ensure we enjoy a financially-secure retirement.

4 mins read
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Client content: Investing in a low interest rate environment

Client content: Investing in a low interest rate environment

With interest rates showing every sign of staying lower for longer, it could be time to rethink your income strategy.

3 mins read
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The value of working with a financial adviser

The value of working with a financial adviser

Potential clients may not be fully aware of the many ways financial advisers can help them – so, to help you communicate this, we have created an animated video that you can share with them. It provides a clear, succinct and engaging summary of the far reaching benefits of working with a financial adviser. This video is the first in a series that aim to keep you on the front foot.

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Client content: How to invest internationally through exchange traded funds

Client content: How to invest internationally through exchange traded funds

Relying on investments in Australian assets means your portfolio is firmly tied to local markets. 

3 mins read
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How to rebuild financial strength following a divorce

How to rebuild financial strength following a divorce

Going through a divorce can be an emotional roller-coaster, and when emotions are high, it can cause you to make irrational financial decisions. During this time, a financial adviser can be a helpful source of support and a voice of reason. 

4 mins read
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How to get into the property market young

How to get into the property market young

To buy or not to buy? It's one of the biggest 'grown-up' decisions you'll make. But, when done right, it doesn't have to tie up all your money.

5 mins read
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