Christine Hornery writes …. Are you and your partner speaking the same language?

When two people talk about their goals, what’s important to them and how they see their future, they can seem completely aligned. They use the same words and seemingly agree on what they want. But are they speaking the same language? If they use the same words but visualise different experiences; and the “when” and “how” are out of sync, the importance of “what” can be lost. Financial Adviser, Christine […]

Christine Hornery writes …. Dad’s little secret

We all know that life doesn’t always go according to plan but where you find comfort, strength and support can be equally surprising. Christine Hornery, AFA 2013 Female Financial Adviser of the Year, of Financial Management Solutions on the Central Coast of New South Wales shares the story of client, Steve who’s family found comfort, strength and support in a secret he’d kept. CLICK HERE to read the full story

Christine Hornery writes …. What about money compatibility?

When we talk about compatibility we usually focus on how well we get on socially. But what about money compatibility? It can really make or break a relationship! A sad fact is that around 50% of marriages end in divorce and while money may not be solely to blame, you can be pretty sure that a misalignment of values, priorities, expectations and attitudes to money will have something to do […]

SMSF eNewsletter – July 2015

In this edition of our SMSF eNewsletter we focus on the high standards expected of trustees for SMSF, and the implications if they are not upholding the law. We also look at contributing to superannuation for children (under 18).  Although we pay more attention to superannuation as we get older, some parents and other relatives are keen for a child to start building their superannuation savings from an early age. […]

SMSF eNewsletter – June 2015

In this edition of our SMSF eNewsletter we focus on the recent Governement announcement making it easier for those suffering a terminal illness to access their superannuation savings regarless of their age. We also look the Federal Budget announcement of changes to the assets test.  These changes are expected to affect Aged Pension entitlements by increasing assistance to those with lower asset levels whilst reducing pension entitlements to those with […]

Federal Budget Announcement 2015-16

The 2015-16 Federal Budget was announced last night and has (as expected) had significant attention in this morning’s media. AMP have released various budget summaries including a comprehensive customer briefing document, an Oliver’s Insights, and a Video summary of the announcement.  We have included a link to each below, however the key points are as follows: The 2015-16 Budget has seen a shift in focus from budget repair towards supporting […]

April SMSF update

In this post we bring you up to date information regarding changes to SMSF law that offer relief for individuals who have exceeded their non-concessional contributions cap. We also discuss comments recently made by the ATO regarding the importance of succession planning within your superannuation fund. In particular, it highlighted the need to forward plan before it’s too late. CLICK HERE TO READ THE FULL ARTICLE

Am I too young for a self-managed super fund (SMSF)?

Some of my friends in their 30s have set up an SMSF. I don’t have a large super balance but want control. Is it worth it? If you’re under 55 and thinking about setting up a self managed super fund (SMSF) you’re not alone. SMSFs are being established by younger Australians in a shift in the age of those wanting control over their super. Before deciding if an SMSF is right for you, consider […]

How can I make my dream home a reality?

There are plenty of uncertainties when upgrading your home, or moving to a new one. Planning ahead with the help of a financial expert can put you back in control. And clear your mind so you can focus on the home you’re trying to create. Only you can choose the best home for you. But finding a smart way to buy it will probably take some help. Just like engaging an architect to […]

SMSF Newsletter

In this SMSF focused eNewsletter we detail important information that has been published by the ATO regarding transition to retirement pensions. We also feature an article about self funded retirees, and how Federal Budget changes to eligibility requirements for the Commonwealth Senior Health Card are expected to commence from January 1 2015. NOTE – The changes are yet to be legislated. If you have any questions regarding the information in this […]