Articles - Financial Planning Advocate

Changes to Super in the 2021/22 Budget

In years gone by, Federal Budget night could be relied on to pretty much re-write the rules on all things superannuation. Not so these days, with this year’s changes almost able to sneak past without anyone noticing.

Budget 2021

The world moved a little more back towards normal this week as Commonwealth Treasurer Josh Frydenberg delivered the 2021 Budget at the traditional time of just after Home and Away on the second Tuesday in May.

Organise your non-concessional super contributions by 30 June

Last week, we looked at concessional contributions – money that gets you an immediate tax deduction if you place it into super. Concessional contributions are just one of the two ways to voluntarily move money into super. Not very imaginatively, the other way is known as a non-concessional contribution.

Do you need to organise your super before June 30?

One of the secrets to achieving a great financial year-end result is getting your super right. Making sure you have everything you need before you get started let’s you relax and enjoy the process. This is why we wanted to write this article now, in April, to make sure that all of our clients have enough time to get their concessional super contributions in order before the 30 June.

Best Way to Help Family Buy a Property

Rising house prices are great news for people who already have a home, but not so good for those yet to buy. This week, we look at ways that families can work together to make buying a home a reality.

Will the end of Jobkeeper affect you or your business?

This Sunday marks a pivotal date in Australia’s journey out of the ‘economic troubles caused by Coronavirus. The Commonwealth Government’s main economic response to the pandemic, it’s ‘Jobkeeper’ payment, will not continue beyond March the 28th. If the end of the program affects you, please get in touch.

People Trust Accountants

Australians consistently rate their accountants highly for ethics and honesty. This gives you a real advantage when it comes to providing those clients with decent financial advice.

Guide to investing in Mortgage Funds

What is a Mortgage Fund and how does it work?Mortgage funds (also known as credit funds) is a managed investment fund that pools its investors’ money to lend on to a range of borrowers to use on purchase or development of properties. In some instances, they may also invest in other mortgage funds or invest […]

Passive Income: Making Money while You Sleep

Passive income is the income generated by our investments. Because it is not linked to our time or (necessarily) our skill, passive income is not limited in the way that active income is. Indeed, it is possible to earn passive income even while we sleep.

Make 2021 Your Year of Thinking Clearly

The most important thing in life is to think as clearly as possible. So, as 2021 gets underway, why not get in touch and together we can make this your ‘year of thinking clearly.’

Losing Interest? It Could be 2024 Before Things Change.

Earlier this month, Australia’s Reserve Bank dropped their target for interest rates to its lowest rate ever. This has dampened interest rates across the economy – as you will have noticed if you are a borrower or a saver. Rates will stay low for at least three years, so now is a great time to review your financial plan to make best use of these low rates.

3 Major Changes to Income Protection Insurance

Changes are happening to income protection insurance. In recent weeks we have discussed two major changes happening in the income protection world. This week, we discuss the third change, which affects the duration of an existing policy.

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