A letter to my 21 year old self
Life goes way too fast. I still remember my 21st birthday as if it was yesterday. Sadly, it was more than 30 years ago! Below is a letter I wished I had received from my older self. Dear Phil. Happy birthday! [...]
Be free from retirement concerns
The Australian National University did a study recently that showed 6 in 10 adult Australians don’t think they will have enough money in retirement. While this is concerning, from my experience I suspect most of these people do not actually have [...]
Do you have an investment plan?
When retirement planning, we have previously talked about the importance of being in control of your spending (see related article here). In this article, we will talk about how to invest your savings. Key things to [...]
Spend now, pay later
There are four key stages to planning for your retirement. Firstly, map out what you want your life to look like (read more). Secondly, take control of your money. Thirdly, review your investments (including your superannuation) and make sure they are [...]
Mapping out your life
Retirement planning done properly, is more than just increasing your super contributions to 15% or buying and few investment properties. If done well, it is about making sure you have the financial ability to live the life you want both now [...]
Investment bonds
Investment bonds are often marketed as being a tax effective way of saving for your children or grandchildren. This article explains why they aren’t all they are cracked up to be and for most people you are better off investing in [...]
Life is better with a coach
I am part financial coach, part independent financial adviser, and part sounding board. Having seen the difference to my clients after they have completed my 6-month program, I am on a quest to make positive changes to my life. That is [...]
Estate planning is more than just having a Will
Estate planning can not only save your loved ones taxes, it can also stop your family fighting over your estate. I was recently speaking to some clients I am taking through our 6 month financial freedom program. To give you some [...]
What is the best super fund
Is there such a thing as the best Super fund? As you can imagine, I am always getting asked questions about Super. In this article I will answer one of the most frequently asked question about Super - what is the [...]