Cashflow Advice

Cashflow is the backbone of just about every financial planning strategy we work with.  On a general level it involves helping you create a realistic picture of your expenditure, how to best structure this, or how it can be adjusted to ensure it is able to be maintained over the long term.  More specifically it ensures you are able to pay for insurance, or to meet your savings and loan repayment goals.

Before retirement, we concentrate on setting up appropriate savings, balancing debt repayment, and the right structures to ensure you pay no more tax than you need to.  

After retirement, it is about creating a regular income that is enough for you to enjoy yourself now but maintain capital for your estate and/or quality aged care accommodation when the time comes.

Request an appointment for Cashflow Advice

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.