Craig Kirkwood

Financial Planner AFP® | M.FF

A bit about me professionally…

I’ve worked in the financial services industry since 2000, including several years spent working in the UK, before returning to Australia and joining Goldsborough in March 2014.

I’m happy to offer ongoing professional advice incorporating a wide range of financial planning strategies.

I’m passionate about providing you with comprehensive strategic advice – whether you’re just starting out on your wealth building journey, or are nearing retirement. 

As Goldsborough’s dedicated Risk Adviser, I aim to ensure you have the appropriate types and levels of insurance cover in place, to suit your own personal situation.

To help new clients really engage with recommendations, I like to use a whiteboard to draw a flowchart of how the strategy will work for you.  Feedback I have had from many clients is that this has been valuable in helping them understand the more complicated details

A bit about me personally…

I have two young children who keep me busy outside of the office.  When I do have some free time, I like to ride my road bike – for both fitness and fun.  

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Denise Roberts

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Latest insights

Whilst there is often no single cause for market volatility, there are some conditions that can lead to it. In recent times, we have seen concerns about when interest rates and inflation, the perception of a housing market bubble, and instability in global affairs affect the ability of investors to obtain a reliable picture of the future. While these kinds of stories are not new and may not have triggered the recent stock market fall, they are some of the forces at play in the current market turmoil.
The type of concession card you may be eligible for is based on your age and circumstances. A Pensioner Concession Card (PCC) is issued to pensioners, a Low Income Health Care Card (LIHCC), is issued to someone on lower income, regardless of their age, and a Commonwealth Seniors health Card (CSHC), is available to someone who is above age pension age and doesn’t qualify for any social security payment.
The last 3 years in markets have been a challenging time, first came COVID and then the Russian invasion of Ukraine, it’s hard to see the light at the end of the tunnel. Household consumption is the primary force behind economic growth and it’s been experiencing a difficult combination of soaring mortgage rates, increased living expenses and persistent inflation. Together, these things are causing a decrease in disposable income. These strains are likely to persist for a while yet and are causing the short-term fluctuations you might be seeing in your portfolios, depending on your level of share exposure.