Financial Planner Blog

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How to Choose the Right Financial Adviser in Melbourne

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

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Estate Planning Mistakes

An estate plan outlines how your wealth and assets will be preserved, managed and allocated…

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Why & How Investors Should Position Their Portfolio for Inflation

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

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What Is a Financial Advisor & Do I Need One?

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

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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…

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Financial Planning For Retirement

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

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All You Need To Know About Investing

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

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Navigate Tough Times With Your Wealth Wingman

The homebuying landscape has changed drastically in the past year, and even more so within…

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This High-Growth Investment Strategy Turned $1K Into $775K

A simple ongoing investment strategy can deliver substantial returns over the long term. When measured…

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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…

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Retirement Planning – How We Helped Julie To Retire By 55

With goals to retire by age 55, do you think 49-year-old Julie is a successful…

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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…

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An Often Forgotten Aspect of Insurance

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

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Why Financial Planning? What Our Clients Have to Say…

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

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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…

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Private Health & Personal Insurance Cover

Private health cover is an expense that almost 60% of Australians pay each year. Although…

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Building Your ‘Family Future Fund’

How much does it cost to raise a child? Obviously the answer is highly dependent…

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How To Grow Your Superannuation

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

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Federal Budget 2024 Summary

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

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Total & Permanent Disability Insurance & Claims Guide

Although total permanent disability insurance (TPD) can be complex, ActOn Wealth’s financial advisors support clients…

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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,…

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Stage Three Tax Cuts Australia – How Will You Benefit?

To help ease the cost of living burden on middle Australia, the Albanese government announced…

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Making Clever Use of Offset Accounts

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

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Preserved but Not Forgotten

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

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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…

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Tips for Credit Card Use

We love to rely on credit here in Australia. Indeed, as of January this year,…

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What Is Your Aged Care Funding Strategy?

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

IFA Excellence Awards – ActOn Wealth Nominated Six Times

What the IFA Excellence Awards mean to ActOn Wealth

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There’s No Time Like the Present

Over the last 100 years global share markets have experienced many major set-backs, including the…

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Reducing the Biggest Risk to Small Business

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

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Is a DIY Will Kit Enough?

More than 45% of Australians don’t have a valid Will. If you die without one,…

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Everything You Wanted to Know About Buying a Home

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

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DIY Insurance – Is It Right for You?

Research shows that Australians are under-insured which has led to the proliferation of television advertisements…

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What Happens to Your Super When You Pass Away?

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

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The Upside of a Down Market

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

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Investing: How to Reduce Concentration Risk

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

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Trauma Insurance Fills the Gaps

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

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The Tax Effect on Deceased Estates

Although death duties were abolished in Australia many years ago, a number of tax issues…

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Debt Recycling

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

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How Can I Invest Safely In The Stock Market?

Buying shares is where many investors decide to start their journey. With more than a…

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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?…

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A Complete Guide To Real Estate Investment Trusts (REITs)

Clients often ask us what is a Real Estate Investment Trust and how it might…

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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.…

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How to begin investing in shares?

If you’re asking yourself how to begin investing in shares, you’re at the beginning of…

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Why Save For Retirement in Your Twenties?

Your twenties are all about starting to carve out your own path, finding your feet,…

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How has the COVID-19 pandemic changed financial planning?

The global COVID-19 pandemic hit the world hard, fundamentally affecting how we learn, work, play…

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The #1 Most Common Financial Mistake You Can Avoid

Over the years, our ActOn Wealth team has helped many clients out of a financial…

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Financial Planning’s Golden Rules Follow These To Grow Your Wealth

The ActOn Wealth team has more than 50 years of collective experience in advising financial…

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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…

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Five Top Tips For First Home Buyers

Are you a first home buyer looking to get your foot in the Australian property…

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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…

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Defining Your Defined Benefit Fund

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

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Do You Know Your Credit Rating?

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

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April Economic Update

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

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Putting Aged Care Costs into Perspective

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

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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…

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What Is an Annuity?

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

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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,…

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Fixed? Variable? or Both?

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

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Get the Biggest Bang from Your Renovation Buck

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

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What Really Drives Interest Rates?

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

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Different Assets Create Different Outcomes

A Will is a key document in your estate plan, but it’s not just a…

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The Small Business Owner Superannuation Challenge

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

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Will There Always Be an Age Pension?

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

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3 Ways to Save for Your Children’s Education

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

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Salary Sacrificing and Salary Packaging

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

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Who Pays Your Debts When You Pass Away?

It would be nice to think our debts magically disappear upon death however, this is…

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What to Do with an Inherited Gift

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

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The Art of Downsizing

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

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If I Was 25 Again I Would…

…buy a pre-loved car. As soon as you drive that shiny new car out of…

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Retire at 65, but Don’t Retire Your Money

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

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New Year Financial Checklist

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

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What Is ‘Socially Responsible’ Investing?

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

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Should You Buy a Home or Rent?

Should you rent or buy a property? Well, until we find out more about your…

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Three Top Ways To Make Money Without Working

make money without working

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Learning About Cryptocurrency

Cryptocurrency has been a hot topic for some time now. Although we don’t professionally work…

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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…

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The Cost of Raising Children – How to Plan For Your Family

We have several parents within our ActOn Wealth team, so we know first-hand what a…

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Managing Your Finances In Your 20’s

So, you’re in your twenties, and you just want to keep living your best life.…

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How To Improve Your Financial Literacy

Many of ActOn Wealth’s first-time clients tell us they do not really understand numbers or…

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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.…

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How To Save For Your Retirement In Your 40s

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

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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…

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Retirement Planning Strategies In Your 50s

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

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Retirement Planning In Your 60s

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

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All You Need To Know About A Self-Managed Super Fund

Are self-managed super funds worth it? We find out…

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Six Ways To Financially Prepare For Christmas

It is supposed to be a really special time of year. However, for many, Christmas…

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New Year Financial Resolutions to Grow Your Wealth

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

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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…

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How To Deal With Rising Inflation

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

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Why Financial Planning Makes Sense

If you think financial planning is reserved for those on the BRW Rich List, you’re…

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Invest in Your Future with Expert Financial Planning: Unlocking Your Path to Financial Success

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

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Financial Planning In Your 40s

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Financial Planning for Self-Funded Retirees

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

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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,…

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How To Prepare For Retirement In Your 60s

Especially if you have a fear of running out of money Have you heard of…

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Financial Planning & Investing in Your 30’s

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

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When Is the Right Time to Invest?

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

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Placing Your Family Wealth in a Trust

The basic function of a trust is to separate control and ownership. The result of…

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10 Common Financial Mistakes Before Retirement

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