7 steps to financial success

by Steve Nicholas, Financial Adviser

As you move through different phases of your life, it’s important to revisit your financial strategies including your insurances, super strategies, savings and cash flow, debt management and estate planning needs. Doing so could make an enormous difference to your long-term financial situation.

Our 7 steps to financial success  can help you stay on track and achieve your financial and lifestyle goals so you can focus on enjoying life. Continue reading “7 steps to financial success”

How to Protect the Entire Family #2 Make the most of all your superannuation opportunities

by Financial Advisers Brett CribbRoss MunroSteve Nicholas and James Marshall


When financial planning is considered a whole family obligation that spans all generations and encompasses the needs of everyone: children, parents and grandparents, then the whole family can not only gain wealth, but protect it from unforeseen circumstances.

While estate planning matters are certainly important for the end of life, it is financial preparedness during life that helps the collective family wealth to survive should adversity affect any member of the family.

So far in this series we have considered how a family approach to insurance can protect the wealth of the whole group. In this article, we explore the role of superannuation in creating wealth across multiple generations. Continue reading “How to Protect the Entire Family #2 Make the most of all your superannuation opportunities”

How Salary Sacrifice May Help You Retire With More

Our advice on superannuation is this: Do what you can, as early as you can, to take advantage of the tax-efficient savings environment that the Australian super system offers.

Your decisions around super are all the more important since 1 July 2017 as the lowered concessional contributions cap may have implications for your super strategy. Continue reading “How Salary Sacrifice May Help You Retire With More”