How Much Do You Need In Retirement?

June 1, 2017

Australians aged 55–64 will typically retire with a median* superannuation account of $105,900 according to a recent ABS data1. The reason it is so low is that widespread superannuation did not come into place until the mid-1990s. At age 64 men have, on average, more than 20 years to live and women around 23 years […]

Alex Lukashenok Joins Aspire

May 5, 2017

It is with great pleasure that we introduce our new Financial Adviser, Alex Lukashenok, who has joined our Aspire team. We are proud to have known Alex for the past 14 years and see him as a competent, articulate adviser with a passion for helping people navigate the financial maze surrounding them to ensure their […]

Topping Up Super Tax Effectively – A Third Option for Employees

March 23, 2017

If you work as an employee, chances are your employer is already putting money into superannuation for you.  When the employer puts this money into superannuation, they get a tax deduction because, to them, it is a cost of running a business.  If the person or business putting money into superannuation is getting a tax […]

The Golden Rule

February 8, 2017

One of the challenges we face today is that we tend to become less patient.  Fast food, fast internet, instant messaging and pay-wave.  Gone are the days of purchasing with lay-by or saving first.  Instead, we have credit cards, buy now–pay later arrangements and payday lenders.  With spending, it’s easy to see how our impatience […]

Fiscal Habits for a New Year

January 11, 2017

With Christmas and New Years rapidly fading into the past, many people are left with a New Year Hangover.  The focus in January becomes getting back into shape, both physically (if they’ve indulged a little too much) and financially (as the credit card statements arrive and they return to work).  You can’t get back into […]

Christmas 2016

December 22, 2016

Once more, the year is nearly finished when it feels like it has only just started. With Christmas fast approaching, we would like to take this opportunity to  wish everyone a Merry Christmas and a prosperous, healthy and happy New Year as we head into 2017. As always, each year tends to throw up some surprises […]

2017 Centrelink Asset-Test Changes Update

October 19, 2016

From 1 January 2017 there will be changes to the asset-test rules for Centrelink age pensions in Australia. There will be approximately 100,000 people set to lose their age pension entirely and a further 200,000 to experience a reduction in their pension payment. Around 170,000 people will, on the other hand, actually get an increase in […]

Structure For Success

August 25, 2016

Sooner or later, we all need to make a new financial decision.  Whether opening a bank account, starting a superannuation fund, buying a house or setting up a business – there are decisions that need to be made.  Most people, quite rightly spend a lot of time ensuring that it is a good decision and […]

Salary Sacrifice

July 19, 2016

  Many people might have heard the term salary sacrifice but not really understood what it is.  Put simply, it is giving up some of your wage in return for higher super contributions from an employer.   There are two main benefits to salary sacrificing:   It can come out of your gross wage before […]

Budget 2016

May 15, 2016

This week the government handed down their budget which included a number of new changes and confirmed some other previously known changes which take effect soon.  These changes are quite significant and whilst some are positive and others negative, if legislated, they will result in us wanting to change how many clients are structured leading […]