Financial Planner Blog

What To Do When You Win The Lottery in Australia 

They say the chance of winning the lottery in Australia is something like one in…

The Two Most Important Questions to Ask Yourself When Buying a Home

With interest rates as low as they are, it may be the right time to…

Secure Your Future: The Complete Guide to Financial Planning

Financial planning is a vital component of managing your finances and achieving your long-term financial…

10 Common Financial Mistakes Before Retirement

Many of us would like to think that ‘older’ means ‘wiser’, but when it comes…

Unleashing Financial Security: Why is Estate Planning Important?

Estate planning is of utmost importance in securing your finances and safeguarding the well-being of…

Insurance Payout: What It Means and How to Manage It Wisely

Receiving an Insurance Payout can bring relief during a difficult time. Whether it is from…

4 Ways We Deliver The Best Financial Services Customer Service

Has a trusted family member, friend, or work colleague recommended you contact ActOn Wealth about…

Minimum Pension Requirements Explained: What Every Retiree Needs to Know

Minimum pension requirements in Australia dictate the least amount you must withdraw annually from your…

Financial Planning for Freelancers: Secure Income and Growth

Freelancing offers independence, flexibility, and control over your career. However, it also comes with irregular…

Financial Planning for Self-employed

Financial Advice for Freelancers in Australia Transforming Self-employment into Real Financial Power  Working for yourself…

Your Complete Guide to Combining Super

If you’ve had various jobs, you probably have various superannuation funds. Whilst a diversified approach…

A Complete Guide to Credit Lending 

Everything You Need to Know Before You Borrow  Are you considering getting a loan to…

Spending Less Than You Earn – Budgeting in a Proactive Manner

Spending less than you earn is considered the most important financial planning principle, however you…

Financial Strategies to Build Wealth for High Income Earners

Earning a high income is an achievement. Converting that income into lasting wealth is a…

Financial Planning for Military: Securing Stability During and After Service

A career in the military brings structure, purpose, and unique financial conditions. It can also…

What is FIRE Retirement and Is It Right For You to Retire Early?

FIRE (Financial Independence, Retire Early) is a strategy focused on aggressive saving, smart investing, and…

Financial Green Flags: 5 Signs You’re on The Right Track

We often hear about financial red flags. Overspending. High debt. Poor planning. But what about…

How Political Events Affect the Markets: Everything You Need to Know

With ongoing global conflicts, shifting trade relationships, and upcoming elections both locally and abroad, investors…

Disability Financial Planning: Stability and Long-Term Security

Living with disability can create financial complexity, but structured planning provides stability and clarity. Disability…

Home Owners: Essential Tips for First Home Buyers in Australia

Buying your first home is an exciting milestone, but it also comes with important financial…

How to Avoid Greenwashing When Investing and Protect Your Values

Ethical and sustainable investing has become one of the fastest-growing trends in Australia. More investors…

Renovating? Be Careful Not to Over-Capitalise

Perhaps due to the popularity of do-it-yourself (DIY) television programs, home renovations are big business.…

What Happens to Your Super When You Pass Away?

Who decides what happens to your superannuation savings when you die? You may think that…

Preserved but Not Forgotten

It is important to be aware of exactly when and how you can access your…

Everything You Wanted to Know About Buying a Home

Ready to make the leap from renting to buying a home? Well, before you begin…

IFA Excellence Awards – ActOn Wealth Nominated Six Times

What the IFA Excellence Awards mean to ActOn Wealth

Finances In Your 30s. Are You Where You Need To Be?

For many of us, the thirties are typically a very interesting transitional period in life.…

Retirement Planning In Your 60s

Reaching 66, or specifically 66 years and six months, is a goal to which many…

How To Save For a Home Deposit in Your 20s

The great Australian dream has always been to own a home. However, for many Australians,…

New Year Financial Resolutions to Grow Your Wealth

Start the way you want to finish. This adage certainly rings true for financial planning…

8 Reasons You Should Already Have Income Protection Insurance

It’s not every day we have eight compelling and very different reasons to suggest doing…

All You Need To Know About Investing

Welcome to a broad introduction to investment. This topic can quickly become as complex as…

What Is a Mortgage Home Loan & How Does It Work?

If you’re embarking on your first property purchase, congratulations! We’ve pulled together this general information…

How To Deal With Rising Inflation

Australian interest rates are projected to reach their highest point around the middle of the…

What Is a Financial Advisor & Do I Need One?

A financial advisor (also sometimes called a financial planner) in Australia is a qualified professional…

Financial Advisors vs. Robo-Advisors: Which Is Right for You?

In today’s increasingly digital world, Australians have more options than ever when it comes to…

Financial Wellness – Beat Money Stress and Build Wealth 

The weight of unpaid credit cards and bills. The sleepless nights spent calculating and recalculating…

How to Choose the Right Financial Adviser For You

A financial adviser can be life-changing. Not only can they simplify complex financial decisions and…

Putting Aged Care Costs into Perspective

A growing number of Australians are encountering the challenges of assisting elderly relatives with the…

Business Succession and Estate Planning – Why It Matters For You

If you’re an Australian business owner, you know all about hard work. Some 60% of…

3 Ways to Save for Your Children’s Education

If you are a parent you are fully aware that the cost of private education…

Your Health and Wealth During the Covid-19 Pandemic

There isn’t a single person in the world who hasn’t been impacted by COVID-19. As…

Don’t Appoint a Financial Planner Before Asking These Questions

Sex, religion and politics. These are traditionally the three topics to avoid discussing unless you’re…

Why & How Investors Should Position Their Portfolio for Inflation

Positioning your portfolio against inflation is necessary to protect against losses. It may sound counterintuitive,…

Home Loan Lenders Mortgage Insurance (LMI)

Clients often ask us about Lenders Mortgage Insurance (LMI) and what it is. The easiest…

Retire at 65, but Don’t Retire Your Money

Australian retirees are facing a ‘double whammy’ when it comes to funding their retirement. On…

Financial Planning & Investing in Your 30’s

How One Young Couple Got Ahead Finance in your 30s – one couple’s common scenario…

Financial Planning for Self-Funded Retirees

How to plan for retirement in your 60s Mark and Linda approached ActOn Wealth, intending…

Financial Planning In Your 40s

Financial Planning In Your 40s

Investing: How to Reduce Concentration Risk

Concentration risk. No, it’s nothing to do with thinking too hard about something. In fact,…

When Is the Right Time to Invest?

One of the most common reasons I hear as to why someone hasn’t invested is that…

An Often Forgotten Aspect of Insurance

When most people think about financial planning they tend to focus on the wealth creation…

Financial Planning For Retirement

Retirement may seem a long way off, but planning for it can never start too…

Should I Pay Off My Mortgage or Invest?

In Australia we’re conditioned to pay off our mortgage as soon as possible, aren’t we?…

Building Wealth: 9 Ways of Growing Your Portfolio 

Establishing an investment portfolio can be a successful wealth-building strategy. However, it’s one thing to…

Retirement Planning Strategies In Your 50s

If you’re considering financial planning in your 50s, we’ll assume you’ve already built wealth and…

The Ultimate Guide to Portfolio Diversification: 7 Steps to Smarter Investing

When it comes to building long-term wealth, diversification is not just a buzzword—it’s a critical…

Why Tech Employees Need Specialist Financial Planning 

Working in the tech industry can be both challenging and stimulating in a way that…

What Is ‘Socially Responsible’ Investing?

Many investors want to know that their investments are making a positive impact on our…

Values-Based Financial Planning 

Your Feel-Good Freeway to Personal Wealth and a Better World  For some time during and…

Your Complete Guide to Combining Super

If you’ve had various jobs, you probably have various superannuation funds. Whilst a diversified approach…

Ways to Grow Savings That Actually Work

There are many reasons to grow your savings—to pay for the kids’ education, purchase a…

What Is Your Aged Care Funding Strategy?

We’re an ageing population; the media keeps reminding us, as does the government, but are…

Will There Always Be an Age Pension?

With all of the talk about the need to be self-sufficient in retirement it’s not…

To Gift or Not to Gift? What About Your Pension?

With Australia’s age pension being subject to an assets and income test, a simple way…

Do You Know Your Credit Rating?

If you have borrowed money, whether as a loan or even signed a mobile phone…

Fixed? Variable? or Both?

With so much uncertainty surrounding who now has more control over setting mortgage interest rates…

April Economic Update

Outlook for Investment Markets While equity markets have generally recovered from their coronavirus-affected lows in…

Debt Recycling

Debt recycling is the process of replacing mortgage debt (non-tax deductible), with investment debt (tax…

What Is a Child Maintenance Trust?

When relationships break down, child maintenance payments are often made from post-tax money. If this…

A Complete Guide To Exchange Traded Funds (ETFs)

If you’re already an investor, or you’ve been thinking about starting to build a portfolio,…

The Small Business Owner Superannuation Challenge

A client who runs his own dry cleaning business came to see me last week.…

Reducing the Biggest Risk to Small Business

Owners of very small businesses, also known as micro businesses, frequently fail to allow for…

Salary Sacrificing and Salary Packaging

When most people think of salary sacrifice they think of superannuation. It’s pretty easy to…

Defining Your Defined Benefit Fund

Defined benefit funds are superannuation funds where members’ contributions are pooled instead of being allocated…

High-Risk Vs Low-Risk Investments: What’s the Difference?

Understanding high-risk and low risk is fundamental to knowing where your investment ‘comfort zone’ lies.…

Making Clever Use of Offset Accounts

It’s a common misconception that mortgage offset accounts are loan products when in fact they…

Trauma Insurance Fills the Gaps

According to an Australian Bureau of Statistics report published in September 2019, cancer is the…

Get the Biggest Bang from Your Renovation Buck

Whether it’s doing up the bathroom or kitchen, or adding an entire new wing to…

A Different Way to Help the Grandkids

Many grandparents want to give their grandchildren a head start in life, and a common…

Does the Value of the Aussie Dollar Affect You?

You might think that only importers and exporters pay attention to the value of the…

Should I Pay Off My Mortgage or Contribute to Super?

One of the most popular questions we are asked by our clients is whether it’s…

The Art of Downsizing

The kids have finally left home and now you’re rattling around in a house way…

New Year Financial Checklist

As we move towards the end of yet another year and ponder how fast the…

The Upside of a Down Market

Most people view share market downturns as unequivocally bad events. Suddenly, hard earned savings aren’t…

A Guide for Selling or Closing Your Business

As a hard-working small business owner you’ve spent years building your own livelihood and now,…

Translating Finance

Jargon in any industry often confuses and confounds those who do not deal with it…

What Really Drives Interest Rates?

The Reserve Bank of Australia (RBA) and the major trading banks may play the most…

What to Do with an Inherited Gift

When you receive money or a gift from a family member’s or friend’s estate, the…

What Is an Annuity?

The term ‘Annuity’ is often mentioned in the financial press, but what actually are annuities…

Why Financial Planning? What Our Clients Have to Say…

Victoria, please tell us a little bit about your financial planning journey and your experience…

Profit with principle: Why ethical investing is a win-win for all

Do you want your wealth to contribute to the prosperity of others? Thanks to ESG…

How To Save For Your Retirement In Your 40s

Once upon a time, retirement was something that happened well into the future. However, now…

What Is a Self-Licensed Adviser & Should You Choose One?

If you’re exploring financial advice in Australia, you may have come across the term self-licensed…

6 Steps to Build Money Confidence

Do you freeze up when making financial decisions? Ever catch yourself saying “I’m just not…

How To Grow Your Superannuation

When it comes to the Australian pension, there’s good news, and there’s bad news.  The…

Federal Budget 2024 Summary

On 14th May 2024, Treasurer Jim Chalmers delivered the 2024 Federal Budget. Plans outlined a…

Why You Must Have a Will and Power of Attorney

We realise it can be uncomfortable for anyone to organise their Will or Power of…

10 Top Financial Tips for Small Business Owners

Australian small businesses contribute more than half a trillion dollars to our nation’s economy. ActOn…

Why Athletes Need Financial Advice

Reaching a professional sporting level is a remarkable achievement that very few accomplish. But away…