Up until now, Australians have built wealth using a relatively simple strategy. Accumulate assets while working, then progressively sell them and realise the capital gains after retiring into a lower tax bracket. The recent changes to Capital Gains Tax (CGT) make that [...]
Ever since OpenAI released ChatGPT in November 2022, the investment landscape has shifted. Artificial Intelligence or AI is now a daily headline, and company valuations have climbed fast. Since November 2022, weโve seen: Companies that announce a new AI product or [...]
Superannuation is a vital but often underused part of Australiaโs retirement system. To encourage people to make the most of their super, there are significant tax advantages compared to investing outside super. Understanding the different types of super contributions โ and [...]
Do I pay off the mortgage quicker - or invest? One of the most common questions we hear is: โShould we throw extra money at the mortgage, or invest it instead?โ For many families in their 40s, this tug-of-war is the [...]
For many professionals in their early 40s, the idea of being financially independent before they are 60 sounds like a dream. School fees, mortgages, and lifestyle costs make it feel out of reach. But with strong incomes and a disciplined plan, [...]
For many families, hitting your 40s with a strong income feels like success. Youโve worked hard, bought a home, and life is busy with school runs, weekend sport, and the occasional family holiday. But hereโs the surprising thing: even with a [...]
For many Australians, receiving a large inheritance is a once-in-a-lifetime event. While it can bring enormous opportunity, it can also raise tough questions: Do we pay off the mortgage? Should we invest? How do we balance todayโs lifestyle with tomorrowโs security? [...]
Having the best of intentions or the perfect plan is not enough. There needs to be action to have any chance of success. I was reminded of this three times recently. The first one was where some new clients received an [...]
Many of the people we work with are professional and executives with young families.One of the re-occurring goals I hear is the desire to invest for their kidโs future. While the motivations can vary, the common theme is to be able to [...]
