cut taxes

Salary Sacrifice

  Salary sacrifice is a tax effective way to increase your superannuation balance. In essence it involves voluntarily sacrificing some of your salary into your superannuation account. This article highlights important things to think about, including advantages and disadvantages, before you salary sacrifice.    Please note, this blog post covers salary sacrifice into superannuation; it…

Debt Management

I sometimes get contacted from people seeking advice on their debt. They are at various levels of default with finance institutions. It’s heartbreaking to hear, but it’s not an area I provide advice on; plus I don’t want my fee to add to their financial difficulties. This blog article offers some pointers on debt management…

Financial Planning

What is Financial Planning?

I thought it wise to share with you what financial planning is and what a financial planner actually does, because in my experience most people either have misconceptions or just don’t know. I’m also going to provide some guidance on the different types of financial planners and crucially, some important steps you need to take…