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Personal insurances: The risk probability/impact matrix

A vital part of wealth accumulation is putting appropriate strategies in place to manage risk.

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Downsizing measure

In retirement, you may find that your home no longer meets your needs. You may want something smaller or more aligned with your lifestyle

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The relationship between saving motives and saving habits

Before we dive in, take a moment to consider which of the following best describes you and your household in terms of your current saving habits?

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Scams: If it seems too good to be true, it probably is…

According to the ACCC’s recently released annual scam report, the total reported losses from scams in 2017 was over $340 million (a $40 million increase compared to 2016).

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Retirement age? Accessing sources of income

Retirement often involves a shift from employment income to income derived from a combination of your retirement savings (investments inside and/or outside of superannuation) and potential Age Pension entitlements.

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Couple’s finances: Being in tune with one another

When managing your personal finances as a couple, it’s important to recognise and address any differences you may have regarding your beliefs on money and your money personality. We discuss ways to help you in this space through the fostering of communication, mutual understanding and teamwork.

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Child care reform: The child care subsidy

From 2 July 2018, the Child Care Benefit and Child Care Rebate will be replaced with a new financial assistance payment for eligible families, the Child Care Subsidy. In this article, we explore the Child Care Subsidy in more detail regarding eligibility, payments and transitioning/claiming.

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EOFY planning tips: 3, 2, 1... Lift-off!

The end of the financial year is nearly upon us. Where has the year gone? In this article, we discuss several end of financial year planning tips that you may wish to consider prior to 30 June – they may help in terms of minimising your tax liabilities and making the most of the money you earn.

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Income protection insurance

Imagine being unable to work for a period due to a sickness or injury. How would you and your family cope financially and plan for the future? We illustrate the importance of Income Protection insurance in terms of protecting a vital resource – your income earning capacity.

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What reality are you creating for yourself?

Beliefs on money are protective or liberating ideas, thoughts, or opinions that you hold about money. In this TED Talk, an inspirational individual, Isaac Lidsky, challenges us to let go of excuses, assumptions and fears, and accept the awesome responsibility of being the creators of our own reality.