Strategic Advice

At the core of all financial planning are the strategic decisions we all face regularly during our lives.  Decisions such as buying a new home, starting a business, when we can retire and when to pay down or to take up debt.  No matter how well we all plan life throws us curve balls from time to time that cause us to have to reassess our strategies.

We help you make these big decisions bringing our experience and knowledge to discuss the pros and cons, showing you the differences between acting now or later and how to best structure your finances.  It keeps you accountable and limits the stresses.

Scenario modelling and projections are tools which our advisers use to help developing strategic plans.  Some clients prefer the intricate details of tables and graphical representations of the potential future, others love flow charts or a simple explanation mapped out on a white board.

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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.