Financial Planning, Investment & Insurance Solutions

  • Purpose Over Details

    Purpose Over Details

    It was a Wednesday morning, and the coffee and biscuits were all laid out. The room was filled with about twenty over fifties. It was a retirement information session put on by a local council for their employees. After accepting the invitation a few weeks earlier, we were speaking third. The topic was obviously retirement, but the question was: what should we speak about? As we waited to present, the rep from the superfund went through the stuff you’d expect to hear from a superfund. They touched on the income test and assets test, making reference to the fact we’d…

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  • 2021 March Quarter Overview

    2021 March Quarter Overview

    Economic Overview The world held its breath as it entered the first quarter of 2021. Despite hoping for a peaceful transition from President Trump to President-elect Biden, the US Capitol Building was stormed by supporters of President Trump on January 6. The havoc saw five people die, including a Capitol Police officer. In the wake of the violence, President Trump elected to bypass President Biden’s January 20 inauguration and there were lingering concerns of civil unrest. Thankfully, the Inauguration was uneventful. With the US political environment slightly more subdued, attention turned to the eye watering stimulus. The stimulus at the…

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  • Another Year of Lazy Success

    Another Year of Lazy Success

    “el hombre perezoso hace el doble de trabajo.” You might say this Spanish proverb is about the discouragement of a certain behaviour. In almost every facet of life we are encouraged to give our best and work our hardest. It’s something we see taught in school. When we go through our careers. Maintaining our homes, or if we’re involved in competitive recreational pursuits. Not giving our best will surely have consequences. “The lazy man does twice the work.” The belief is that more effort will bring its own rewards. In this instance, not having to do something twice becomes the…

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  • Lessons From Nomadland

    Lessons From Nomadland

      In the aftermath of the 2008 financial crisis a shift occurred in how some older people lived their lives across the USA. For the most part it wasn’t a choice. It was forced. As home prices fell while jobs and savings evaporated, holding onto a house became a struggle. For some it became impossible. The keys to the house were tossed back and replaced with keys to motorhomes and modified vans. Some bristled at the term homeless, they were houseless. This older cohort went on the road, doing seasonal work where they could find it. One of the consistent…

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  • Greenlights & Redlights

    Greenlights & Redlights

    A great relationship, a newborn son, and a successful career as an actor. In 2008, Matthew McConaughey was feeling pretty good about his life in California. Then an unexpected family health emergency took him back to his home state of Texas. Of all places, McConaughey and his young family ended up renting a home in a retirement community to be closer to his mother. There he found a motley group of retirees who lived life without pretence and offered plenty of unsolicited advice about good living. The family emergency, the newborn and the experience with the seniors had him reconsidering…

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