Stuart Wemyss 
From time to time, parents ask me for advice on the best vehicle to accumulate savings for the children. The intention of this blog is to give you a summary of your options and to let you know which option I think is the best. Savings, gifts, inheritance and the like Sometimes parents would like …
When faced with financial decisions or questions it is often an instinctive reaction to jump straight to trying to figure out what is the correct answer. However, I’d like to suggest that a better approach is to ask yourself “who” rather than “what”. That is, who is the best person that can help me answer …
Many people invest their super with industry super funds because they feel its the best (low cost, good returns) and simplest option. I agree that industry funds are almost always a better option than retail (bank owned such as Colonial, BT, AMP, MLC, OnePath, etc.) funds and often better than SMSF’s too. However, I …
Below is a recording of a webinar hosted by Wakelin Property Advisory and us on 13 September 2017. Jarrod and I provided an update on what’s been happening in the property market, tax changes and planning, an update on the mortgage market, an analysis of the recent super changes and we answered plenty of questions. …
Employers must contribute 9.5% of your salary (up to a maximum of $20,050 p.a.) into super. But should you make additional super contributions? This is a question I’m asked regularly. Of course, like many financial planning matters, the answer does depend on your individual circumstances. However, there are some fundamental concepts that help us understand …
Investment into a medical or dental practice can cost hundreds of thousands of dollars and in some cases, millions and although it is a rather secure investment (most of the time), there are various factors that need to be considered – from how much you should be paying for your investment/ownership share, to structuring for …
There are two things that trip up many investors. The first one is they cannot figure out what they should invest in next (i.e. what investment strategy is most appropriate). Or, secondly, if they have been able to develop an investment strategy, they fail to execute it correctly. These are the two most common hurdles …
A lot is always written about housing affordability and its impact on the younger generation. This is not something that is unique to Australians. I was reading recently that home affordability is one of the top three issues that young people currently grapple with in the UK. Buying your first home was a challenge 30 …
Many people don’t like to save for the future because they think it’s painful. Saving means they have to do without. Conversely, spending today is fun and enjoyable. Buying a new gadget, a new pair of shoes, dinner at a fancy restaurant, some wine (well, I regard wine as more of an investment). These things …
Commissions in financial services is often viewed as a dirty word. The word creates connotations of self-interested sales people flogging products to poor, unsuspecting clients – well, it does in my head. I passionately believe that financial advisors should not accept any commission as a result of making an investment recommendation. But what about commissions …
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