Alex Bernshteyn

A father walks barefoot along the beach at sunset, carrying his child on his shoulders as waves lap at the shore.

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

Alex Bernshteyn September 6, 2024 No Comments

With Australia’s age pension being subject to an assets and income test, a simple way for part-pensioners to increase their pension payments is to give away some assets. Not surprisingly…

Making Clever Use of Offset Accounts

Alex Bernshteyn September 6, 2024 No Comments

It’s a common misconception that mortgage offset accounts are loan products when in fact they are savings accounts sitting within a mortgage structure. If you’re not sure how mortgage offset…

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A Guide for Selling or Closing Your Business

Alex Bernshteyn September 6, 2024 No Comments

As a hard-working small business owner you’ve spent years building your own livelihood and now, for whatever reason, you’ve decided the time has come to sell or close down your…

An Often Forgotten Aspect of Insurance

Alex Bernshteyn September 6, 2024 No Comments

When most people think about financial planning they tend to focus on the wealth creation side of things, but often forget about the wealth protection. Building a financial plan without…

Fixed? Variable? or Both?

Alex Bernshteyn September 6, 2024 No Comments

With so much uncertainty surrounding who now has more control over setting mortgage interest rates – the Reserve Bank or the banks – it might be timely to think about…

Get the Biggest Bang from Your Renovation Buck

Alex Bernshteyn September 6, 2024 No Comments

Whether it’s doing up the bathroom or kitchen, or adding an entire new wing to the house, some focused planning will help your home renovation project run smoothly. Here are…

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What Is Your Aged Care Funding Strategy?

Alex Bernshteyn September 6, 2024 No Comments

We’re an ageing population; the media keeps reminding us, as does the government, but are we prepared for what this means? As a society? As individuals? One thing’s for sure…

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The Small Business Owner Superannuation Challenge

Alex Bernshteyn September 6, 2024 No Comments

A client who runs his own dry cleaning business came to see me last week. Barry was in a bit of a state. He told me it had suddenly dawned…

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Different Assets Create Different Outcomes

Alex Bernshteyn September 6, 2024 No Comments

A Will is a key document in your estate plan, but it’s not just a case of recording who gets what. Different assets may require different management. The executor of…

Salary Sacrificing and Salary Packaging

Alex Bernshteyn September 6, 2024 No Comments

When most people think of salary sacrifice they think of superannuation. It’s pretty easy to see why. If someone earning $100,000 a year takes the last $10,000 of that amount…

Author: Alex Bernshteyn