Is this the most hated market rally in history?
The recovery in stock markets around the world since the 23 March lows has confounded many and been dubbed the most hated market rally in history. It has polarised many…
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Another one bites the dust …
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Westpac exits financial planning … You may (or not) have noticed my Blog article output has reduced over the past 12 months. Having written about 180 articles over the last…
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What investment returns should you expect?
Is history a reliable guide to future investment returns? When doing long term cash flow projections for clients, it is necessary to make some “guesses” of future investment returns. Unfortunately,…
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“Back of the envelope” financial planning
Making financial decisions based on what others are doing can be dangerous My children and many of their friends are now at the age where they are making very important…
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How “real” are your financial planning projections?
It’s maintaining real spending power that matters When clients consider how much they expect or wish to spend in the future, they naturally think about it in terms of today’s…
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At last, a “good news” financial planning story
Our clients respond to an online “Client experience” survey In late February-early March 2017, a representative group of our clients was asked to participate in a confidential on-line “Client Experience”…
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What is “wealthcheck”?
What does financial independence look like, for you? Our previous six Blog articles examined the rationale for each of the charts that comprise the “Personal Financial Dashboard”, a succinct graphical…
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A new era for personal financial advice?
The Future of Financial Advice (FOFA) reforms ban “conflicted remuneration” … in the future Many people will be unfamiliar with the new FOFA reforms that came into effect on 1…
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Financial planning as lifetime wealth management
“Living for today” has future consequences We often hear people say that they don’t plan too much for the future. They’d rather live for today, as they argue you don’t…
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Wealth management is much more than investment
Investment is only a piece in the “puzzle” The terms “wealth management” or “financial planning” are seen as synonymous with investment advice and investments by most people. This is not…
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