Follow the tips in this article to put your new romance on a sound financial footing, which will ensure that it does not collapse under the weight of a monetary outlook mismatch.
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In the exhilarating early days of a new personal relationship, it can be easy to overlook warning signs that you and your prospective partner may be financially incompatible. This may lead to future stress and legal risk. It’s not a question of always being suspicious, but simply of being aware of these red flags if they appear:

• Secrecy around money matters

Although there’s no need to have financial discussions immediately, be wary of ongoing refusal or reluctance to talk about money matters such as income, debt, employment, personal or business finances, or financial goals.

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Are you currently a remote worker or digital nomad? Or are you considering becoming one? This article will explain some of the tax, income structure, superannuation, banking, cash flow, insurance and investment issues you may face, and how to adjust your financial planning to meet them.
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Conventional employees can usually plan for their financial future knowing that certain fundamental parameters will not change: their regular income, their Australian tax residency, their banking arrangements, their superannuation contributions and their insurance needs.
But for digital nomads and remote workers, the picture is completely different, and their situation will have implications for how they pay tax, contribute to super, conduct their banking and investments and ensure they are covered for health problems and income protection.

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Would you like to make money while you sleep? The best way is not through social media, but by building your assets and then letting them earn for you, slowly but surely. Find out how in this article.
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What’s the first thing that springs to mind when you hear the term ‘passive income’? It may be creating an e-book, a blog or a YouTube channel, engaging in affiliate marketing or selling stock photos, but in fact, none of these is entirely passive. They all require lots of upfront effort to generate a very modest income unless you are very lucky.

However, there is some good news.

A detailed look at what works

There are plenty of guaranteed ways for Australians to set up the dream of ‘income while you sleep’. Here’s a list of what can actually succeed, but with a dose of realism attached.

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This article outlines the key financial supports Australians may be able to rely on if they’re unable to work due to disability, including insurance, superannuation, government benefits and employer entitlements, illustrated through a real-life case study.
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When life throws you a curveball and you suddenly can't work, the financial pressure can feel overwhelming. But here's something many Australians don't realise: there can be many safety nets to help you through.
Let me share Sarah's story—it's one I see far too often in my practice, but with the right guidance, it had a positive outcome.

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As retirement nears, Sandra discovers that super, tax, pensions and estate planning are more complex than she realised. Through Jamila’s experience, she learns how professional financial advice can turn uncertainty into confidence and peace of mind.

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Sandra had only a couple of years of work left when she realised that she hadn’t the first idea what to do with her super when she retired.

She’d always looked forward to retirement, but as the big six-oh approached, things were getting real, and she was becoming anxious.

Her friend Jamila had had a financial adviser, Terry, for over thirty years. Now, Jamila’s retirement strategy was well underway and she was looking forward to finishing work.

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The effect on their finances is something both members of a couple separating in later life need to be aware of. This article will explain how assets are divided and how superannuation balances are affected, as well as the impact on estate planning and post-separation income.

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When members of a long-established couple are contemplating divorce or permanent separation, there’s more than the emotional toll to take into account. Ensure you are aware of the potential financial consequences before making this life-changing decision.

Dividing assets

Couples in their fifties, sixties, or older are likely to have accumulated substantial assets that must now be divided between them. They may own their primary residence and perhaps a holiday home or investment property. There may be joint business interests and investments, including property held in a self-managed super fund, company, or discretionary trust. Both jointly and separately owned assets are included in the asset pool during a divorce settlement.

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This article explains the importance of financial literacy for young adults and how knowledge gaps in budgeting, debt management, and saving can lead to financial difficulties. It uses case studies and provides practical resources to help young people make informed financial decisions.

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Facing complex financial decisions, often without adequate knowledge, can be challenging for anyone, but particularly for young people.

A recent government study found that 49% of 18-25 year olds lacked the confidence to make financial decisions, while 94% aged 14-17 believed that understanding money-management is crucial.

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Earning a high income doesn’t guarantee financial security. In this article, we explore the risks of relying solely on a big paycheck and offer practical strategies to avoid lifestyle inflation, build long-term wealth, and future-proof your finances, no matter how much you earn.

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Achieving a high income is a significant accomplishment. You’ve put in the hard yards, climbed the ladder, and now you’re pulling in the big bucks!

But don’t be mistaken; a high income does not automatically equate to financial security. Just because the money is rolling in today doesn’t mean you’re protected from tomorrow’s uncertainties.

Resting on your high-income earner laurels, assuming that a large salary guarantees long-term security without considering long-term financial planning, can be downright risky. So, before you get too comfortable, it’s time for a reality check.

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This article uses a case study to show how a health scare led a couple to reassess their financial priorities with the help of their financial adviser. It highlights the importance of balancing living for today with planning for a secure future through strategic adjustments.

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Marcus and Fleur, both in their 40s, led active, healthy lives with two teenage kids. Their financial plan was straightforward: work hard until their mid-50s, then retire at 60 and travel the world. They worked with a financial adviser, balancing their careers and family time.

That all changed one weekend. While heading to their kids' sports event, Marcus suddenly felt unwell—dizzy, pale, and struggling to catch his breath. A coach with first-aid training noticed something was wrong and called an ambulance.

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Navigating the financial complexities of divorce, particularly later in life, is crucial as grey divorce rates rise. This article explores the impact on superannuation, asset division intricacies, and post-divorce financial strategies, emphasising the importance of seeking professional advice for rebuilding stability.

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Adjusting to life after divorce, particularly later in life, is akin to navigating through some of life's most challenging events, psychologists say. It's a journey comparable to coping with loss, relocation, major illness or injury, or job loss.

While these upheavals are often beyond our control, how we choose to manage them greatly impacts our recovery.

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Written from the perspective of a financial adviser, this article explores the concept of finding a balance between saving for retirement and living a fulfilling life in the present. It highlights the importance of aligning financial goals with personal values, embracing experiences, and cherishing memories while also ensuring long-term financial security.

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Over my 27 year financial planning career, the most common question I’ve been asked is, “Jackie, how can I save more for my retirement?”

Many of my clients believed they’d outlive their super and worked flat-out saving as much as they could for their futures. Initially, I supported their commitment, but then I realised they were so focused on working extra hours or taking second jobs, that they’d forgotten to live for the now.

Which is why I was intrigued when I heard about a book with the tantalising title, Die With Zero by Bill Perkins.

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In this article we explore the most common financial mindsets, identifying their unique attributes, to help the reader discover their financial mindset and unlock financial success.  

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In the quest for financial stability and success, we often focus on tangible elements like earning more money, saving diligently, or investing wisely.

But have you ever stopped to consider the role your financial mindset plays in achieving your financial goals?

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In this article, we explore the true definition of financial success, the key factors that contribute to it, and the one thing you cannot miss if you want to achieve it.

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When discussing financial success, many people tend to use the terms "rich" and "wealthy" interchangeably.
While being rich is often associated with having a lot of money or material possessions, being wealthy is about having financial abundance that is sustainable over the long term.

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The article discusses the debate around human financial advisers potentially being replaced by robo-advisors and highlights the importance of the client-adviser relationship.

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Digital advice is a hot topic at the moment, bringing with it the debate around human financial advisers potentially being replaced by ‘robo-advisers’.

A client James, called into my office last week, explaining that his daughter was using an Artificial Intelligence (AI) platform, and he was considering doing the same.

Over my twenty-year career, I have cultivated my client relationships through a personal philosophy of integrity and trust, so while I was concerned, I appreciated James’ coming to me.

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A discussion as to whether you should pay down a home loan or invest funds.

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It's always a good idea to regularly check in on your financial position, whether there's been a significant change in your financial situation or not. And for those who find themselves with spare funds, it often raises the question, "Should I pay down my home loan or invest these funds elsewhere?".

For most, there is nothing like the comfort of reducing their mortgage. Knowing they are building ever more equity in their own home and moving just that little bit closer to owning their own home outright. {snippet title="Article Subscribe Message"}{/tabs}

Pssst! Want to be a millionaire? It may seem an impossible dream, but depending on your circumstances joining the ranks of the millionaires may be easier than you think.

There are three key components to a successful savings strategy. The first is some surplus cash; an amount of money you can regularly set aside in your quest to become a millionaire.

Second, an investment return. This can be in the form of share dividends, interest income, rent from properties or a mix.

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While the standard of living is constantly improving in Australia, economic disruptions, stagnant wage growth and house prices are putting more and more people under financial stress.

A recent report by the social research group, the Melbourne Institute, ‘Taking the Pulse of the Nation’, found one in three Australians reported being under financial stress while one in five reported experiencing mental distress.

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Resilience is the ability to quickly recover from setbacks, and while setbacks can come in many forms most of them will have a financial component. So what can you do to build financial resilience?

Expect the unexpected

Rarely do we get advance warning that something bad is about to happen to us, so the time to develop your resilience strategy is now. And while we don’t know the specifics, we can anticipate events that would throw our finances into disarray. A house burning down or a car being stolen. Not being able to work due to illness or injury. The death of a breadwinner or caregiver.

With some idea of the type of threat we face we may be able to insure against some of them. If you have taken out any type of insurance policy you’ve already made a start on your resilience plan.

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Anyone who has helped an elderly relative make the move into aged care knows that it can be a traumatic experience. It involves a move from the familiar – a home that a loved one may have lived in for decades – to the unfamiliar, a care facility with many residents and staff. On top of that, there are substantial fees to be paid.

The biggest fee, the accommodation payment, usually exceeds $300,000 when paid as a lump sum. Not surprisingly, when that sort of cash is not available, many people believe the only way to pay this fee is to sell the family home. That prospect can add further stress to the situation.

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Financial advice is like getting a health check-up for your financial situation. Your financial adviser is like your personal trainer, assisting you in achieving your best possible financial health.

Seeking professional financial advice provides you with a clear path to achieve your financial goals, and that is an investment worth making.

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