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Frank Paul
The Meaning Of Retirement & Accessing Your Superannuation Funds
Added On - 9/22/2017 4:13:09 PM
This article explores what it means to 'retire' from a superannuation perspective and so to access your superannuation funds.
Superannuation From July 2017 - The State Of Play
Added On - 8/4/2017 4:51:38 PM
From 1 July 2017, there are a number of key changes in thresholds and rates impacting on superannuation, including most of the measures announced in the 2017 Federal Budget. In this article we examine thresholds and rates that apply from 1 July 2017 and recent reform amendments.
How Does The First Home Super Saver Scheme Work?
Added On - 5/26/2017 3:46:05 PM
If you or your children are looking to purchase a first home, the First Home Super Saver Scheme could boost the savings for a deposit for a first home by at least 30% compared with saving through a standard deposit savings account.
Is A Transition To Retirement Strategy Still Worthwhile?
Added On - 5/12/2017 1:04:01 PM
From 1 July 2017, earnings on assets supporting a transition to retirement (TTR) pension income stream will no longer receive a tax exemption; further the concessional contribution cap will be reduced. In this article, we consider those situations where TTR remains a worthwhile strategy, even if less effective.
How Does The $1.6m Transfer Balance Cap Work?
Added On - 4/28/2017 1:51:16 PM
From 1 July 2017 a $1.6 million limit will apply on the amount of superannuation that an individual can transfer from accumulation phase to pension phase, where earnings are tax-free.
The Latest On Superannuation Concessional Contributions
Added On - 3/24/2017 2:59:32 PM
From 1 July 2017, there are changes to concessional (pre-tax) contributions. Concessional contributions include salary sacrifice, super guarantee, employer contributions and self-employed tax deductible contributions.
Super Reform: The Latest On Non-Concessional Contributions
Added On - 3/10/2017 3:11:03 PM
From 1 July 2017 there are changes to non-concessional (post tax) contributions. The contribution cap will drop to $100,000 per year and non-concessional contributions will be restricted if your total super balance exceeds $1.6 million.
2017 Super Reform - What This Means For You
Added On - 2/24/2017 1:23:34 PM
The 'Fair and Sustainable Superannuation' package announced in the 2016/17 Budget contains the most significant superannuation changes since 2007. Many of these proposals became law on 29 November 2016. In this article I summarise what these changes could mean for you.
Top 9 Budget Super Changes: The Good, Bad And The Ugly
Added On - 5/6/2016 4:36:57 PM
Wow, what a budget. This is the most significant budget of the last decade as it relates to superannuation. The following is an outline of the main changes and more importantly what those changes will mean.
Top 15 Strategies And Insights To Help Your Adult Children Into The Property Market
Added On - 1/15/2016 1:17:30 PM
To put it bluntly, Baby Boomers need to help their kids get into the property market. Without that help the maths doesn't work and they will not be able to do it. It's as simple as that.
End of Year Financial Reflections
Added On - 12/18/2016 2:03:47 PM
As the year ends, it's a time for some reflection and often that reflection morphs into New Year's resolutions.
Downsizing: 12 Ways To Improve Your Thinking On The Subject
Added On - 11/27/2016 2:41:07 PM
For many Australians, it is a reality that at some point the family home will be sold (voluntarily or not) to prepare for, fund or fuel retirement. It is a complex decision with many moving parts. Like most complex, multi-dimensional financial decisions, a financial adviser is best placed to help you navigate through all the financial considerations and tradeoffs.
Insights Into The Transition To Retirement Strategy (Part 3/3)
Added On - 11/13/2016 11:12:41 AM
We are now ready to look at Transition to Retirement in action. The examples given below should therefore be seen as general descriptions of the most common ways in which people can benefit from Transition to Retirement.
Insights Into The Transition To Retirement Strategy (Part 2/3)
Added On - 10/30/2016 2:29:09 PM
We continue with this 10 year anniversary, 3 part series on The Transition to Retirement Strategy. Let's now look at what the benefits of the strategy are.
Insights Into The Transition To Retirement Strategy (Part 1/3)
Added On - 10/16/2016 3:11:34 PM
This year is the 10 year anniversary of the Transition to Retirement Strategy. This fact combined with the number of questions we still get from would be clients about how the strategy works, I thought I would put together this 3 part series on the subject. So let's start with some basics.
Anatomy Of Wealth Creation
Added On - 10/9/2016 3:00:39 PM
An effective financial plan is like a bridge that will take you from where you are now to where you want to be, except for one vital difference. Instead of being fixed and immobile like a real bridge, a financial bridge has to be flexible.
16 Things To Know About Annuities
Added On - 9/4/2016 12:52:33 PM
With everybody writing about the recent share market falls I thought something different was in order. Let's talk about annuities. The least exciting thing I could think of, but not entirely inappropriate in the context of trying to balance out the risk within a portfolio.
7 Lazy Mistakes We Make With Life Expectancy
Added On - 8/14/2016 2:53:07 PM
From a planning perspective, we need to pause and reflect on this for a minute. If you are 60 and planning for the journey ahead, which half are you going to aim for? Which side of the number do you think you will land on? Are you an optimist or a pessimist?
9 Insights Into Volatility
Added On - 7/31/2016 2:55:40 PM
Volatility for the purpose of this article is an investor watching some or much of their money and wealth moving around a lot. The 'vibration' of strategic amounts of one's wealth is what we are addressing here.
Why Would Federer Need A Coach? 3 Insights Into The Role Of An Adviser
Added On - 7/24/2016 2:28:06 PM
Many of the world's sports greats may have been born with their talents, yet they all needed the help of a coach to help them become champions. The same goes for financial success, where doing-it-yourself is rarely better.
Your Wealth Is Built On Your Career: 3 Thoughts From Steve Jobs
Added On - 7/17/2016 12:30:20 PM
There are exceptions to every rule, but we are not interested in the exceptions. The themes in this article are high level and strategic and will not date over time.
9 Thoughts On Family Trusts For The BOFY
Added On - 7/10/2016 8:21:36 AM
A family trust is a useful and powerful tool when used in the right circumstances. That being said, too often they are set up without proper consideration of their utility, costs or setbacks.
25 Estate Planning Considerations For The BOFY
Added On - 7/9/2016 8:12:47 AM
Estate planning is the classic Important Not Urgent task on our to-do lists. It is simply one of those things that needs to be done and is always at the bottom of our priority lists. The best way to get it done, and done well, is not to do it yourself. Engage a professional and that will force you to address it.
Top 10 Property In SMSF Mistakes To Avoid
Added On - 7/8/2016 8:17:28 AM
In the right situations it is a powerful wealth creating strategy, but far too many investors are trying to do it themselves, without professional guidance, and as a consequence too many mistakes are being made. Here are just a few.
When Will I Achieve Financial Freedom?
Added On - 7/7/2016 8:10:35 AM
What does freedom or independence mean? I am going to approach the question in a fresh way and look at many of the mistakes made when asking and answering this question.
10 Insights Into Negative Gearing For The BOFY
Added On - 7/3/2016 8:34:43 AM
Following is an outline of some key considerations, some important ways of how to think about gearing. I will refer to it as gearing rather than negative gearing because negative gearing is only one form of gearing and I would like to discuss the subject in its broader sense.
Should I Set Up An SMSF? - 8 Things To Consider At The Beginning Of The Financial Year
Added On - 7/2/2016 8:23:52 AM
SMSFs form the largest and fastest growing sector of the $1.9 Trillion superannuation system with over 30,000 new funds set up annually and an estimated $600 Billion of assets.
The Top 4 Tax Effective Strategies For The Year Ahead
Added On - 7/1/2016 8:01:07 AM
Let's do something different for a change. Let's discuss tax planning at the beginning of the financial year rather than at the end. What is the point of the last minute mad rush each and every June? Also I prefer BOFY (Beginning of Financial Year) to EOFY, it has a nicer ring to it.
What Would You Do With A Lifetime's Income In One Day?
Added On - 6/26/2016 2:53:20 PM
Seeing the future will impact your view of today. Thinking about and planning for the future can have a strong impact on our spending, saving and investing behaviour.
The Four Barriers To Financial Progression
Added On - 6/19/2016 3:14:33 PM
Believe it or not, the four most common reasons you are in financial strife may be found right inside your own mind.
Financial Strategy vs Financial Tactics: The Forrest & The Trees
Added On - 6/12/2016 2:06:54 PM
Strategy and tactics are inextricably linked. But their relationship must be understood by the investor and applied appropriately in order for their effects to be fully realised.
If You Borrow Money: Have A Plan To Pay It Back!
Added On - 6/5/2016 2:21:14 PM
I am writing this article on the simple assumption that if you borrow money you should have a plan to pay it back. I cannot think of a simpler and more self-evident statement.
To Gear Or Not To Gear - How To Think About Borrowing Money
Added On - 5/29/2016 2:02:08 PM
Gearing is an exercise of converting income into capital. The act of sacrificing income (rent, dividends) that will be used to pay for the interest, into hopefully capital growth.
'Great Income, No Assets' The GINA Curse
Added On - 5/22/2016 2:16:46 PM
If you are a GINA, all your income comes from selling your time. But that is only the first stage of your financial journey through life. The next stage is transitioning the source of your income. That is actually what financial planning can be about.


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