Author Archives: Focused Advice

Salary sacrificing is not just about super

Most employees believe that salary sacrificing is confined to making contributions to super but there are opportunities to use it in other ways to reduce tax. This is an introduction to a complex topic that recommends professional advice. When most people think of salary sacrifice they think of superannuation. It’s pretty easy to see why. […]

The greatest challenges facing future retirees

Will you retire with enough money in your super fund? This article explains the challengers that today’s accumulators face in order to reach their retirement goals. Housing affordability, low interest rates, pandemics, through to an aging population and pressure our welfare system are all key points covered in this thought-provoking article. Most working Australians aspire […]

2021 Federal Budget Highlights

Greater flexibility for older Australians to boost superannuation, continued support for small business, and extra help for struggling homebuyers are key drivers in the Federal Government’s 2021 Budget, designed to steer Australia away from a pandemic recession. Retirement savings proposals Australians aged 67 to 74 will no longer need to satisfy the ‘work test’ requirements […]

Traps to avoid in retirement – Carrying Debt into Retirement

This is the fifth article in the mini-series: Traps to avoid in retirement. This article explains how carrying debt into retirement can be a burden and explains ways in which you can avoid or manage debt in retirement. Increased housing costs and low wage growth are seeing more Australians carry higher levels of debt into […]

Generational Planning:   An Important Conversation

Older people tend to be very private around subjects like their finances, estate planning and aged care, etc. This article provides information around what you should be discussing with an elderly relative, and how to open a two-way conversation that puts everyone’s mind at rest. -.-.-.-.-.-.-.-.-.-.-.-.-.-.-.-. None of us likes to consider our own mortality. […]

Traps to avoid in retirement:   Ignoring Estate Planning

This is the fourth instalment in the mini-series: Traps to avoid in retirement.  This article discusses why it is important not to ignore estate planning and provides a checklist to help get your estate planning on track.   Don’t have a Will? You’re in good company.  Less than half of Australian adults do.  Even then, […]

Why ‘low-interest’ is causing ‘high interest’ in property

Buying an investment property is a well-worn road to riches for many Australians. Despite a few ups and downs residential housing has delivered strong returns over many years, and experts predict property prices will continue to rise in the foreseeable future. The key driver of this growth is record low interest rates. On the one […]