Articles

Will You Rely on the Age Pension?

Will You Rely on the Age Pension?

For many Australians, the Age Pension remains a crucial part of retirement income. How Many Rely on It? About 71% of Australians aged 65+ receive some Age Pension* 42% rely on it mainly Just one-quarter rely primarily on super How the Means Test Works Income test – pension reduces once income exceeds limits Assets test […]

Super’s Rollercoaster: Understanding Investment Returns

Super’s Rollercoaster: Understanding Investment Returns

Super balances rise and fall with the markets. For pre-retirees, dips can be stressful. Yet history shows long-term growth remains strong. The Recent Ride 2021–22: average returns –3.3% 2022–23: rebounded around 9% 2023–24: another ~9% gain Balanced funds average about 7.6% long term.* The Real Risk: Emotional Reactions The biggest danger isn’t markets – it’s […]

How to use WIIFMs to increase client conversion

How to use WIIFMs to increase client conversion

Let’s be brutally honest, most potential clients don’t really care about you, they mostly care about what it is you can do for them… They are looking to have a problem solved, or a need fulfilled and are looking for the best business to help them. I call this the “What’s In It For Me” principle, or […]

Early Inheritance: Should You Help Your Kids Before You Retire?

Early Inheritance: Should You Help Your Kids Before You Retire?

Parents today are increasingly passing on wealth while they’re still alive – often to help children buy a home. It can be generous, but it comes with risks. The Upside Children benefit when they need it most Parents enjoy seeing the impact May reduce estate complexity later The Risks Jeopardising your own retirement Centrelink rules: […]

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