Knowledge Centre

Clients: Peter (66) and Bron (63) Adviser: Erica Cummins, Principal Adviser Stage: Transitioning into retirement When Bron retired 12 months ago, she commenced an account-based pension and began

This month explores the strategic role of personal insurance when paired with ongoing advice. It shows how insurance is not just about replacing income or

When we think about life insurance, most of us hope we’ll never need it. For one client, that decision – made back in 2019 with

When you’ve spent more than two decades building a business, the idea of retirement can feel like both a reward and a risk. For many

Wealth isn’t just about accumulation – it’s about alignment. When your financial decisions reflect your  values, goals, and lifestyle, your money begins to serve you

There’s something about July that feels like a reset. A fresh page. A chance to slow down and ask: Is my money working for the

The end of the financial year isn’t just about reconciling receipts or meeting with your accountant. It’s a milestone – a timely opportunity to reflect

Quarter in review Global equities navigated a more complicated path in the September quarter but still ended at all-time highs. Early August saw sharp volatility

When Australians are choosing to retire comes down to a range of factors. Vanguard’s 2024 How Australia Retires research found that nearly 50% of retirees

Our latest forecasts for the Australian economy and investment returns in 2024.     GDP Growth Inflation Monetary policy United States 2% 2.9% 5.25%-5.5% Canada

Here are four basic retirement questions many people struggle to answer correctly. They are four fairly basic statements related to Australia’s retirement income system that

Many Australians expect an inheritance, but their parents may have a different view. Around one in two Australians have received or expect to inherit money

A new financial year can bring a chance to reset and focus on your investment goals. For many, a new year brings new beginnings and

Retirement is a milestone many look forward to, but it can also be scary. As you go from a structured work life to a more

AI is at the forefront of a revolution that’s changing the world. In the financial services space, AI is big, making things more efficient, more

Rather than worrying about day-to-day price movements, focus here instead. If you checked on the status of your investment portfolio today, don’t worry. You’re definitely

What the ATO is focusing on, and how to prepare for tax time. The Australian Tax Office (ATO) has flagged its key areas of focus

Why the decision to keep deeming rates on hold may be a window for interest rates. In delivering the second reading of the Appropriation Bill

Our region-by-region economic outlook and latest forecasts for investment returns. For the last decade-plus, a lack of both automation and new general-purpose technologies (GPTs) have

This year’s Australian Federal Budget has a focus on helping Australians with easing cost of living pressures with measures including tax cuts and energy bill

Retirement The super changes on the way from the start of the 2024-25 financial year. A number of superannuation changes will come into effect from

Retirement Deciding on your retirement funding options comes down to personal choice. If you’re close to retirement, chances are you’ve already spent time thinking about

Quarter in review Global equities reached record highs by quarter end despite a hawkish view from investors on interest rates as inflation cooled slower than

Here is a practical approach to creating a retirement plan that will help enable financial peace of mind. Many investors concentrate on building their nest

How parents and advisers can work together to manage intergenerational wealth transfers. We’re told our time horizon shrinks as we age. This makes sense, because

The potential estate complexities of dying without a will Having a legally valid will can go a long way to avoiding disputes over the division

Super contributions are set to rise in the next financial year. The six monthly average weekly ordinary time earnings (AWOTE) were released on February 22,

Quarter in review Markets rallied to close out the year as hopes of a soft landing once more came to the fore. Bond yields fell as central

     Quarter in review Global equities advanced at the start of the quarter amid signs of easing inflationary pressures, resilient economic data, and growing