Other FAQs
No. Financial planning is about making the most of what you have, regardless of your income or net worth. Many people benefit most from advice earlier in life, when good [...]
General information is broad and educational. Financial planning provides personalised advice, based on your specific circumstances, goals and risk profile — helping you make decisions that are appropriate for you.
The tax treatment of premiums depends on the type of cover and how it is structured. For example: Income protection premiums are often tax deductible when held outside superannuation. Life, [...]
Not always. Some finance options allow you to borrow the full purchase price, while others may require a deposit depending on the lender, asset type and your financial position.
Your super investment option should reflect your time horizon, risk tolerance and overall financial strategy. Many people remain in default or “balanced” options for years without review. While these may [...]
Yes. Insurance can be held either inside or outside superannuation, and sometimes a combination of both is appropriate. Holding cover outside super may: Provide greater flexibility in certain claim situations [...]
That’s completely fine. Many clients begin with a borrowing capacity conversation to understand their position before actively searching for a property. An initial discussion can provide clarity and direction, even [...]
Most lenders offer flexible repayment options to suit your pay cycle. If you aim to make weekly or fortnightly repayments, instead of monthly, you will make more payments in a [...]
Vehicle and asset finance allows you to purchase a car, equipment or other assets while spreading the cost over time. The lender provides the funds upfront, and you repay the [...]
Shares and property can both play a role in a diversified wealth strategy, but they serve different purposes and carry different risks. Shares and managed investments typically offer: Liquidity (easier [...]
All investments carry some level of risk, but risk can be managed — not eliminated. Ways to manage risk include: Diversifying across asset classes Avoiding concentration in a single investment [...]
It’s natural to wonder whether markets are at the “right” level before investing. However, consistently trying to time market highs and lows is difficult — even for experienced investors. A [...]
Salary sacrificing can be an effective way to build retirement savings tax-efficiently, particularly for higher income earners. Concessional contributions are generally taxed at a lower rate than many personal marginal [...]
In most cases, we are paid a commission by the lender once your loan settles. This commission is built into the lender’s product pricing and does not increase your interest [...]
Investment portfolios should generally be reviewed at least annually, or whenever there is a significant change in your circumstances. Regular review helps ensure: Your asset allocation remains aligned with your [...]
