“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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The Reverse Mortgage: an underutilised retirement planning tool?
Australians’ wealth concentrated in the family home … We have long been of the view that Australians, in general, have too much wealth tied up in the family home. For…
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Future capital: a key input to personal finance decisions
Your age may be a poor guide to financial decisions When it comes to personal finance, as in most areas of our lives, we often rely on some fairly simple…
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Are your investments held tax effectively?
The Tax Effectiveness Ratio is a guide to investment tax efficiency Each of the previous articles in our series on the Personal Financial Dashboard – a graphic format that succinctly…
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What does financial independence look like?
</br >The “Personal Financial Dashboard” provides the answer Most of us would like to have enough money in the form of investments so we could choose whether and how much…
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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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Household income and wealth in Australia
Official statistics provide income and wealth insights In the latter part of 2011, the Australian Bureau of Statistics released three publications [1] that together provide valuable insights regarding household income…
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Financial Independence: a worthwhile financial planning objective?
Clearly, financial independence isn’t important for everyone “Financial independence” is achieved when you have sufficient net investment wealth to support your desired lifestyle indefinitely, without the need for earned income…
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“For those with taste, not just money”
A tasteless ad that may be loose with the truth The title of this article is the “headline” for an advertisement for the 2012 Jaguar XJ and XK that recently…
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How does your “Personal Financial Scorecard” look?
A picture paints a thousand words… Our recent article, “What is “The Value of Financial Planning”?”, introduced a number of key metrics that we monitor to assess clients’ progress toward…
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