Financial Planning, Investment & Insurance Solutions

  • The Times Not to Make Mistakes

    The Times Not to Make Mistakes

    It’s said one of the great benefits of mistakes is they are a learning experience. While they aren’t welcome, mistakes being a learning experience is somewhat true. Mistakes can be an opportunity to understand where we went wrong and revise our thinking. Hopefully, becoming wiser in the future and putting us on a better path. Yet there are some disclaimers. Specifically, what type of mistake was made, how much damage the mistake did, and at what stage of life the mistake was made? There are some mistakes you don’t want to make at any age. Certainly, none that involve injury…

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  • 2024 Q3 September Quarter Review

    2024 Q3 September Quarter Review

    Economic Overview Q3 2024 saw decent gains across all asset classes, with fixed interest relatively strong as rate cuts helped to drive up bond prices. Global stocks saw smaller gains with the strengthening Australian dollar again proving a headwind for unhedged investors.  After months, even years, of speculation about rate cuts in the US, the Federal Reserve finally moved during the quarter. This was off the back of evidence that inflation was continuing to moderate, and the jobs market showing signs of softening. The Bank of England and Bank of Canada also came to the rate cuts party in the…

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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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  • Get Ahead of Frailty with a Life Plan

    Get Ahead of Frailty with a Life Plan

    The COVID-19 pandemic gave us all a sneak peek into what life might be like if we lost independence and mobility. But what if the limitations were not due to an international pandemic and were not affecting everyone in your street, but just you? What if it was your own personal capacity (physical or mental frailty) that was restricting your independence? Many retirees live independent lives, but research shows that on average, you might expect 17-25% of your retirement years to be frailty years. While this may sound grim, it is not all bad. Just don’t let frailty creep up…

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  • If Aged Care is Confusing – Get Advice

    If Aged Care is Confusing – Get Advice

    Many people think they can’t afford to get aged care advice, but the reality is you probably can’t afford not to get advice. RADs, DAPs, MPIRs, MTAs and ACATs !! These are just a few of the acronyms you will face when navigating aged care decisions. It might even feel like you’ve landed in a foreign country where you don’t understand the language or the rules. Navigating your way through aged care and the jargon is not easy. Frustration, confusion and anxiety are feelings you are likely to experience, especially if you have arrived at this point with little preparation.…

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