Yearly Archive: 2016

Financial planning, financial advice, financial adviser, advisor

Hillross Horsham & Geelong’s guidelines for smart money in your 30s

September 23, 2016

As the old saying goes you spend your 20s learning & your 30s earning; unfortunately, after leaving our ‘fast and loose’ 20s, our focus typically turns to getting married, starting a family and even thinking about the age old debate ‘do I buy or rent?’ It’s for these reasons that seeing progress in our financial...

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pink, pig ears, saving for future, superannuation

Will proposed superannuation reform changes impact you?

September 16, 2016

Yesterday the government announced a number of changes to some of its superannuation reform proposal from the May 2016 Federal Budget. The main take out is the replacement of the proposed lifetime non-concessional contribution cap with a lower cap limit of $100,000 from 1 July 2017. They also propose to restrict people from making further...

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Financial personality, dare to dream

Which of the 4 Australian Financial Dreaming Personalities are you?

August 25, 2016

It’s Financial Planning Week and the theme this year is Dare to Dream. The Dare to Dream national research by McCrindle Research identified four financial dreaming personalities in Australia based on aptitude to risk and planning. The 4 financial personalities Poker master These are our spontaneous risk takers – willing to take risks for significant...

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Financial Planning Week, Dare to Dream

Dare to Dream – Financial Planning Week

August 24, 2016

It’s Financial Planning Week this week and the theme this year is Dare to Dream. New research shows a financial plan is the missing link to Australians realising their dreams. A massive 63% of Australians have done little to nothing in regards to a practical plan to achieve their dreams. Are you one of them?...

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Investing in your future – Superannuation in plain English

August 5, 2016

Investing in your future The goal of superannuation is to help save for your future. It is important to think about how much you will need in retirement even if this feels like light years away before you can access it, so that you can manage your funds to help you achieve the outcome you...

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Protecting your wealth – Insurance in plain English

July 13, 2016

Protecting the things that matter to you. Insurance isn’t about being pessimistic; it’s about protecting the things that matter to you – like your family, your lifestyle and your ability to earn an income. Take the time to understand the different types of insurances and their benefits here…. Protecting your wealth – Insurance in plain...

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Managing your money – Budgeting in plain English

July 1, 2016

It’s no secret that effective cash flow management is the cornerstone to overall financial wellbeing. At Hillross Horsham & Geelong we are all to aware of the importance of developing and maintaing good financial behaviours is key to achieving your financial goals. See our’ easy to follow guidelines on how to easily manage your money....

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Quick “Brexit” note.

June 27, 2016

As many of you will be aware, last week Britain voted to leave the European Union (EU). This has caused much discussion and uncertainty in financial markets. The reality is that we will won’t know the full economic impact for some time & now more than ever it is important to block out ‘market noise’...

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Superannuation in your 20s

May 26, 2016

Superannuation in your 20s Unless you’re a finance geek like me then there is a fair chance that you haven’t given a sparing thought to superannuation. I must admit when I first received that form about super I had no idea. Upon starting out in your career it’s hard to get excited about something that...

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