Financial guides and resources for Australians.
Plain-English financial guides for Australians, on the questions clients ask most often. SMSF property, first home buying, retirement, insurance, refinancing and buyer's agent fees. No marketing dressed up as advice.
Six guides, written for reading rather than ranking.
Each guide is a single page covering one topic properly. Eight to twelve minutes of reading. Where rules differ by state or by household, we say so. Where there is no clean answer, we say that too. The guides exist so a first conversation is more useful than a Google session.
Content is general in nature. It does not take into account your personal objectives, financial situation or needs. Read the relevant Product Disclosure Statement and consider whether personal advice is appropriate before acting on any information here.
Pick the guide that matches the decision.
SMSF property investment guide
SMSF property rules, the LRBA structure, eligible specialist lenders, residential versus commercial, costs and common mistakes.
First home buyer guide
Deposit and grants, FHOG state by state, the First Home Guarantee, FHSS, pre-approval, inspections and what to do after settlement.
Retirement planning guide
How much super is enough, accumulation versus pension phase, transition-to-retirement, downsizer, Centrelink and sequencing risk.
Income protection guide
What income protection cover does, agreed value versus indemnity, own occupation versus any occupation, tax treatment and claims.
Refinancing guide
When to refinance, when not to, break costs on fixed loans, the truth about cashback offers, and the step-by-step refinance process.
Buyer's agent cost guide
Fee structures explained, fixed fee versus percentage, what is included and what is not, with worked numbers at four price bands.
Read enough? Let's talk.
The guides cover the general ground. The conversation covers your numbers. An initial chat is free.