We are pleased to report that our evening seminar with Craig James that was held on June 13 went very well, and we have had very good feedback from those who attended. This is the 3rd year now that we’ve held this presentation and the response we received from clients who have attended in the past encourages us […]
30
Jun
Jun
Why we should encourage young people to save As a young person it is easy to get carried away with the idea of new clothes, trendy breakfasts, and exciting holidays. Most of the time, money management is the last thing on your mind. What most young adults don’t realise is that they are missing out […]
Administering a deceased estate can be a difficult process, especially as it is during a time of grief. However, the tax treatment of assessable income, such as investment income and capital gains, of a deceased estate during administration can be utilised by an executor to minimise tax payable and maximise inheritances for beneficiaries. Read more […]
The media has recently speculated that there may be alterations to superannuation rules in the 3rd of May Federal Budget. It is believed they will target annual contribution caps and / or Transition to Retirement strategies for super. What does this mean for you? While these changes are only speculative at the moment, now may […]
08
Apr
Apr
16th March 2016. Critical Illness Insurance I have always hated insurance policies, probably because I see the money going out regularly and for what return? I have also never found insurance companies particularly “caring” nor “customer focussed”. However, my views have changed! As part of my financial planning with Solace Financial I have held life […]
29
Feb
Feb
A first-hand experience about retirement by Solace Financial client, Ian. I ceased paid work in August 2013. It was not the “gold watch at the end of 30 years of Service” type of event. The mining project in Central Queensland that I was working on was completed. The engineering service company I was working for […]
27
Nov
Nov
Retirees concerned about the latest cut to the official cash rate need to clearly identify their investment goals to help clarify whether capital stability or income sustainability is of greater importance. In this article, we discuss how a well-managed portfolio of select corporate bonds, equities, property and infrastructure can deliver attractive and predictable income streams […]
03
Sep
Sep
All investors are prone to behaviors and emotions that can lead to poor investment decisions. One of the most common pitfalls is known as ‘herd behaviour’. This describes large numbers of individuals acting in the same way at the same time, typically by buying into rising markets and selling out of falling markets. This behaviour […]
24
Jun
Jun
Will property be hot in 2015? With interest rates falling to new lows, are property prices set to rise even further? Will property be hot in 2015? There’s no doubt that 2014 was a good year for Australian property investors. In the 12 months to December, residential house prices jumped 6.8% nationally, driven by a […]
05
May
May
The global economy: March quarter 2015 review By Belinda Allen, Senior Analyst, Economic and Market Research Financial markets overview – equities and bonds *All returns and yields are in local currency terms. Summary It was a volatile and eventful first quarter of 2015, driven largely by central bank announcements. The European Central Bank (ECB) embarked […]
13
Mar
Mar
Me or my money – who will last longer? With the release of the latest Australian Bureau of Statistics Life Expectancy tables this question again becomes highlighted in people’s minds, both in regards to funding retirement personally, or obtaining pension benefits from the Australian Government. Australia is now one of only four countries that have […]
05
Mar
Mar
The ability for investors to purchase property with their superannuation may be under threat due to the findings of the Murray inquiry last December. The Murray inquiry stated that “the current ability to borrow directly may, over time, erode this strength (of superannuation) and create new risks to the financial system”. Currently, by using the […]
23
Jan
Jan
Financial Terms explained. We will be looking to continue to grow this into a glossary of terms over time to explain some of the financial terms and ratios used in analysing potential investment opportunities. P/E Ratio Price Earnings ratio (P/E) – If you divide the price of a company’s share by its earnings per share […]
22
Jan
Jan
Centrelink benefits – Just the Age Pension? Many clients are aware that the Age Pension can provide a stable portion of an individual or couples retirement income. For some, it becomes the primary source of retirement income. However, to some, more beneficial are the additional benefits that are received as a result of becoming eligible for […]
02
Dec
Dec
Estate Planning – Just a Will? When it comes to managing our affairs during our lifetime, we are all focused on increasing our wealth and hopefully therefore our lifestyle, reducing our taxes to the minimum, and generally getting the best value for the monies we have accumulated. Unfortunately, we can be quite blasé when it […]
30
Nov
Nov
Insurance Premiums such as Life, Total and Permanent Disability, Income Protection and Trauma can be expensive and is one of the biggest reasons why people don’t take out cover. There are two main ways that premiums can be setup. Stepped or Level. As its name suggests Level premiums stay level while you have your insurance […]
23
Oct
Oct
We all know that if we want to keep our bodies fit and in good order it takes some effort – make a decision to commit, get organised and have a battle plan, and then just do it. So why would our financial health and wellbeing be any different? It doesn’t just happen on its […]
09
Oct
Oct
I have been specialising in Aged Care for the past 7 years and have seen over 500 families move into Aged Care. Please give me a call if you would like to discuss your situation and I can answer any general questions you may have. The move into aged care is a very difficult time […]
02
Dec
Dec
Navigating Aged Care. The move to Aged Care is a difficult time for families. In most cases it’s usually mum who moves into Care and the children or Enduring Powers of Attorney left to work out what’s best for mum. Besides the emotional difficulties of moving mum out of the family home and into an […]
01
Dec
Dec
Managed Funds are professionally managed investment portfolios that individuals can buy into. This can provide an individual with access diversification across different asset classes, companies, industries, sectors and countries in an easy to manage, cost effective manner. Different Managed Funds will focus on different underlying investments allowing us to tailor a portfolio to focus on […]
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