Proposed changes to franking credits in SMSFs are on the horizon if Labor is elected in May. There could be significant impacts for retirees with an SMSF who are wholly in the pension phase. Financial adviser, Jason Calleja, explains the potential impact and what you can do to protect your wealth if the proposed changes come into effect.

Whenever market volatility increases, concerned investors naturally want to know if they should do anything different to protect and maximise their wealth. As an investor myself, I understand this. We ...

Investing in property through a Self-Managed Super Fund (SMSF) is a popular option for many people. However, recently tightened bank lending and increasing ATO regulation have made this harder. Here ...

The ‘January effect’ is a well-known phenomenon among economists and psychologists alike. Regardless of market realities, consumer optimism and share prices often see a temporary boost and so does our ...

In December 2018, the federal government announced that insurance premiums will see an average hike of 3.25% in 2019. This is not a new story. With these yearly increases, of course you want ...

Australians are conducting more of their financial affairs in a digital environment and the Australian superannuation industry is huge even in global terms, so it is little wonder that 95% of ...

If you know how much money is in your wallet, and keep a record of what you spend, you’re probably a saver. If, on the other hand, you have ...

According to research by Investment Trends, 51% of retirees expect to outlive their retirement savings. If you aim to live on more than the Age Pension (full Age Pension rates plus supplements are $35,916 for a couple, or $23,824 for a single person, applicable since 20 September 2018), you will need to use smart strategies to find the additional income. Unlocking the equity in your home can be an effective way to achieve your lifestyle goals and generate more income in retirement.

Most people believe there is a right time to seek financial advice – close to ‘retirement age,’ with a good amount of money to invest and an estate to plan. However, ...

If your role has been made redundant, you don't need us to tell you that it can cause a lot of emotional and financial stress. The good news is that ...

However rewarding our careers and growing families may be, most professional women also look forward to a future where they’ll have more time for themselves. Whether the goal is ...

In Jul 2017, the government introduced new rules that make it imperative for higher income earners to pay close attention to their annual super contributions or risk retiring without enough money ...

Purchasing a home is one of life’s greatest milestones, but it can puts the brakes on your wealth accumulation. What if you could build wealth and still pay down your home loan?

Making the move to residential aged care can be a difficult and stressful time for families, both emotionally and financially. While aged care financial advice needs to be tailored to ...

The Royal Commission continues to expose the poor conduct occurring in the banking and finance industry and we’re glad the Commission is giving a voice to those impacted. Though ...

There comes a time when the kids move out, you’re ready to travel or you’re getting older and the family home starts to become too big or too ...

As busy working professionals we all want more convenience in life. The number of comparison websites and online aggregators available for every product or service under the sun is evidence ...

High quality professional wealth management advice is something we take seriously and our clients know it sets us apart. Building wealth sooner is the best way to live the lifestyle ...

Are you Queensland born and bred? I grew up in Warsaw, Poland and came to Australia in 1999. I first lived in Adelaide where I began my FMD career in 2009 and ...

We all understand that certain sectors of the market do better during particular stages of the economic cycle than others. However, trying to pick the timing of a market rotation – ...

No doubt Amazon’s highly anticipated arrival in Australia will shake up an already sluggish retail sector. So what could this mean for share prices and how should investors prepare? ...

Many people are not aware of the full costs of buying a retirement village unit, particularly some of the extraordinary costs that only come into play when you try to ...

Despite the downturn in residential property prices in Sydney and Melbourne, buyer behaviour indicates that many Australians still believe that an investment property is all you need to be set ...

They say there's no formula for success, but with years of experience offering personalised investment advice and now with over $1 billion of funds under management, our investment committee has learned ...

New superannuation laws came into effect from 1 July 2017 With every change in super laws, it's important to review your super plans to ensure you are in compliance with new limits ...

How often do you think about your super balance? Twice a year? Less often? Does it matter, I hear you think? I can’t access it for 20 years, right? Right, ...

Romance may be in the air, but it’s not all wine and roses when two people combine their finances and aspirations in the name of love.     According to Relationships ...

Research shows 46% of employees worry about their finances and that worry can stop them achieving at work and feeling positive about their job. It's a statistic that is motivating employers ...

It is no surprise we’re spending more on Christmas each year and it seems Gen Xers, at the peak of their careers and earning power, typically spend the most. ...

From 1 January 2017, if you receive an Age Pension and are asset tested, your pension may change. What will change from 1 January 2017? The value of assets you can own before your ...

Could technology innovation and demographics be the best investment indicators in a uncertain world? Recently the Australian head of one of the most forward thinking global investment firms spoke at ...

In late 2014, Philip and Fiona Beggs found themselves at a cross-roads. After long and fulfilling teaching careers and in their late 50s, Philip was considering applying for the role of ...

One of the most satisfying things about providing high quality, personal financial advice is helping people follow their passions beyond work. Vice-President Alzheimer's Australia, Tony Newman, shares his story to ...

Yes, after months of debate of debate and a federal election we finally have some certainty on Superannuation. On November 23, superannuation legislation was passed by both houses of parliament. Major ...

There is now an update to the below information as new superannuation legislation was passed on 23rd November 2016 Here's everything you need to know. Yes, the government keeps tinkering with ...

There are many moments in our lives where we find ourselves at financial cross-roads. At these times we become committed to being more disciplined about our finances so we are ...

What do Australian couples really argue about? Research shows finances are one of the leading causes of marital conflict in Australia, with 34% of respondents saying that they argue about money. ...

In September 2015 a study conducted by the Financial Planning Standards Board in association with the Financial Planning Association (FPA) found 70 per cent of Australians did not know who to trust ...

At FMD, we are always talking to our clients and community about the importance of setting financial goals and taking small steps now towards the future they desire. We support ...

From 1 January 2017, if you receive an Age Pension and are asset tested, your pension may change. What will change from 1 January 2017? The value of assets you can own before your ...

Despite growing media coverage about the gap in women’s super and the necessity to start growing your super blanance as soon as possible, it can be hard to know ...

Mistakes are a normal part of life but financial mistakes can be expensive, financially and emotionally - bringing about feelings of regret and a lack of control over your own ...

It’s been 15 years in the making, but the vision which inspired FMD founders Greg Fagan, David Murray and Adam Davenport to build a relationship-driven, fee-for-service advisory firm is now ...

Many people in their 30s and 40s are already concerned with their ability to save, achieve financial goals and adequately grow their superannuation for the future. For them, financial planning ...

What is the formula for creating health, wealth and happiness at every stage of life? After nearly two decades of providing personalised advice to our happy clients, our financial advisers share FMD Financial's six pillar approach.

Australia’s world-beating life expectancy rates and the high quality healthcare system that underpins them are impressive. Unfortunately, the downside of our longevity is the increased pressure it places on ...

  Whilst there are media conversations aplenty about the gap in women’s super it seems the message, whilst acknowledged, is not spurring women to take action. Professional advice is widely ...

Thanks to all who rode the MS Cycle on Sunday 6th March and to all who donated. We had a fantastic day and it was great to ride with the ...

Retirement is something people often wait for all their working lives, yet few consider how they will spend their time once the freedom to do whatever they like wears thin. ...

SMSFs are increasingly growing in popularity, ten years ago they made up for 12 per cent of total superannuation – now that figure is at 30 per cent. It’s great to know ...

Changing role of Australian grandparents The generation of free thinkers who changed the world are now busy transforming retirement into the very antithesis of a slowing lifestyle. For Australia's 5.3 million ...

A move into aged care raises many complex issues that can be confronting and difficult to navigate.  Both emotional and financial challenges can be faced, not only for those entering ...

How many times have you heard it said? Mahatma Gandhi fasted for three weeks in order to change the world, no doubt he was hungry, weaker, and somewhat thinner but ...

Financial markets are back in the headlines for the wrong reasons. A variety of concerns has led to a level of volatility that hasn’t been seen for a number ...