Pricing financial advice should not be a one size fits all approach. At Killara Wealth we price advice according to complexity and the time we expect it to take to prepare and implement the advice for you. We believe our pricing structure, which is pure fee...
As part of any financial advice process, an essential ingredient is understanding your investor profile. This is usually ascertained from completing a risk profile questionnaire to assist your understanding of your attitude to risk. However, a questionnaire...
The mere mention of “financial planning” sends many folks heading for the hills. However, once you understand how it works, you’ll see that there’s nothing to be worried about. Quite the opposite in fact – a good financial plan in action...
Since my last newsletter in May, there has been a further recovery across asset classes to varying extents. International and Australian shares continued their strong recovery. This has boded well for superannuation fund returns which also continued to improve with...
As a CSS or PSS member you are probably in a stronger position leading into retirement with the security a CSS or PSS pension can offer. However, what about your spouse and tax planning? Here are 3 things to consider when managing your superannuation...
The public sector continues to offer voluntary redundancies (VR). These can very tempting for people to accept, particularly if you are already nearing retirement. Here are some key considerations and questions I am often asked by clients who have been offered a VR....
The end of financial year is coming up quickly, but there’s still time to get your superannuation, investments, and tax in order. Here are some strategies for you to consider during your end of financial year tax planning: Offset a capital gain – if you have sold an...
Since February, investment markets experienced greater volatility than any other time in history. The initial market sell-off has been subsequently met with an extraordinary rally in equity markets. What has this meant for the performance of your superannuation fund...
You may be planning on retiring in the next couple of years or are unsure of when you can actually afford to retire. Don’t put off seeking advice particularly if you are a CSS or PSS member. In this article we discuss some of the factors that need to be considered...
New rules for superannuation concessional contributions came into effect this financial year. As a CSS or PSS member, what do these changes mean for you? From 1 July 2019 concessional contribution ‘catch-up’ provisions allow you to make additional tax-deductible...
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