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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Support staff

Dani Nunns

Dani Nunns

Client Service Manager

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Latest insights

A financial planner can provide advice on a whole range of financial matters you could be dealing with at different life stages. They can help you manage your debts, plan for retirement, save for your kids’ education and invest in assets, including property. Whether you’re buying your first home, starting a family, changing careers or planning for life after your kids leave the nest, financial planning can offer you all sorts of benefits..
At a time when both share and fixed interest volatility is heightened, it’s important to point out the importance of looking at the long term returns and riding out any short-term hiccups. It’s also worth noting that interest rates on cash are still very low, so while it’s a safer option compared to shares, it’s not necessarily a profitable one given the current inflationary environment. That’s where alternatives come in and why we often include them in our portfolios.
What is deeming? Services Australia (Centrelink) use “deeming” rules to work out income from your financial assets. The actual “deeming rate” (refer below) is the rate of income the government assumes a person's financial assets have earned. It forms a part of the income test for certain Centrelink payments, including the Age Pension. It can affect how much Age Pension a retiree receives.