In 1992, the Superannuation Guarantee (SG) was introduced in Australia which required employers to contribute money into their employee's super fund. A large amount of our advice is focused on taking advantage of this amazing low-to-no tax environment to help you build your retirement savings.

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Michael speaks to Dallas about the visible and hidden benefits of going back to paid work (in some form) after already retiring. 

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One of the quickest ways to derail your retirement or investment plans is to PANIC! It might be hard not to react, but panicking at the sight of downturns can undo all of your hard work.

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Dallas discusses with Michael his thoughts on the planning of providing an inheritance to children. There is no right or wrong answer on whether you should leave an inheritance, however, there are a few things to take into account when planning for this.

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In this episode, Dallas & Michael explain why "stock-picking" questions can be some of the least valuable questions that you can ask at a particular time. Our objective for our clients is to increase the outperformance of long-term outcomes by looking at their goals, creating a suitable plan, then determining the portfolio. 

For all listener questions/feedback or to book a meeting with us to discuss your plans, please contact the team at [email protected].

We had a prospective client show us retirement savings projections from their industry super financial adviser who had factored the client running out of money into the plan. We think this is a dangerous plan, and in this episode, we'll explain why. Note, we are not saying that all industry advisers do this; this is only based on what we have seen. 

For all listener questions/feedback or to book a meeting with us to discuss your plans, please contact the team at [email protected].

Michael & Dallas answer the following listener question from Adam: "Where do you draw your pension from (investment options) & what stage of a downturn would you decide to draw from your cash reserves?"

For all listener questions/feedback or to book a meeting with us to discuss your plans, please contact the team at [email protected].

This listener question from Darren asks about the specifics of drawing an income from your superannuation when you retire. Michael and Dallas discuss the the account-based pension (not to be confused with Centrelink Age Pension) and answer the following question:

1. How is income normally distributed?

For all listener questions/feedback or to book a meeting with us to discuss your plans, please contact the team at [email protected].

In financial planning, a lot of the decisions you make involve giving something up to get something back. For example, you may have to reduce your income by $10,000-$20,000 p.a. while you're working to be able to get into the position that you need to retire comfortably. Life is full of trade-offs, financial planning gives you the information to make those fully informed decisions, but there will always be some form of pain. For all listener questions/feedback or to book a meeting with us to discuss your plans, please contact the team at [email protected].

Michael & Dallas discuss the benefits of discipline when investing for the long term. When it comes to building wealth, delayed gratification tends to play a huge role.