Financial Planning, Investment & Insurance Solutions

  • Five Years is a Long Time

    Five Years is a Long Time

    What are some signs of early, but undiagnosed memory issues? Medicine and money are probably two of the most obvious. Unfortunately, they can be lagging indicators because they may not be immediately apparent in real time. Medicine may seem to be a more short-term issue, simply due to the danger associated with a person forgetting to take their regular dosage. One example might be blood pressure. It increases because it’s no longer being controlled on a regular basis by medicine. That starts a potential ticking timebomb. It’s not unheard of for an elderly person to have a stroke, then the…

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  • The Peaceful Mind

    The Peaceful Mind

    “What do you notice about that newspaper?” He asked, as he slid the local edition across the table. “It’s very thin?” probed the questionee, wondering if they were on the mark. While that was the most noticeable thing about the newspaper, it wasn’t the response the questioner was looking for. The local newspaper had obviously been short on pages for some time now, but now it was short on something else. “There’s no ads,” responded the questioner. There wasn’t an advertisement in the whole newspaper. While there were three ad spaces taken, they were all for apps or websites that…

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  • 2024 Q2 June Quarter Review

    2024 Q2 June Quarter Review

    Economic Overview Q2 2024 was a more subdued quarter than some seen recently, with flat to negative returns in many asset classes. Global markets saw small gains with artificial intelligence again providing a strong lead, although a strengthening Australian dollar clipped returns for unhedged investors. As has become the norm, interest around the timing of any potential rate cuts was again a focus in Q2. In the US there were concerns early in the quarter that the economy was overheating, but by the end of the quarter there were hopes of a soft landing again! For its part, the European…

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  • What Worries You About Aged Care?

    What Worries You About Aged Care?

    If you are worried about the need to access aged care, you are not alone. When the time comes it can be daunting, with a lot of new information to take in and many decisions to make.  The responsibility to make the right decision for yourself, or a loved one, may weigh heavily on your mind. From our experience, the four of the most common worries that people raise include: Quality of care: One of the main concerns is whether the quality of care provided will meet needs and expectations. Reports of inadequate staffing, neglect, or instances of abuse have…

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  • The USA

    The USA

    As of writing the S&P 500 in the US is up nearly 15% year to date. That would be a decent annual return, but we’ve not yet notched six months in 2024 so it’s a very impressive return for half a year. Recently a poll conducted for the Guardian found 49% of Americans believed the S&P 500 was in the red this year. Still, that’s an improvement from September 2023. Back then 59% of Americans thought the S&P 500 was down for the year. At the time it was up 16% and finished up 26% for 2023. Unemployment? That’s never…

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