We have sat with many retirees over the years who describe the same experience: a subtle anxiety that surfaces the first time they draw income from their capital. Even when the numbers work and the...
Many people in their forties believe they can handle their finances alone. But by this point, one’s affairs are generally complex—property, tax, education planning, retirement strategy, estate planning, business finances. We’ve been in this industry long enough to know the
While borrowing is sensible and wealth-building when done with clarity, purpose and realistic assumptions, it can be financially destabilising when driven by optimism, emotion, or the belief that property values will always rise and somehow make everything work out. Property
Regulation 28 limits concentration risk by imposing prudential asset allocation rules on retirement funds, including RAs. A living annuity generally offers wider investment choice, but the gap is often overstated: a well-constructed Regulation 28 portfolio can still be globally diversified
There is no such thing as a ‘common law marriage’, and living together does not create a matrimonial property regime, reciprocal duties of support, or clear rules governing division of assets.
Smart tax planning is not about finding loopholes or outmanoeuvring the system. It is about using the allowances and incentives already built into our tax framework to strengthen your long-term financial position with intention.
Within this tougher environment, the concepts of ‘sham trusts’ and ‘alter-ego trusts’ have taken on renewed importance. Although the terms are sometimes used interchangeably in conversation, they describe two very different situations in law. A sham trust is one that
The primary purpose of section 37C is social protection: to ensure that those who were financially dependent on you are not left without support when you die, regardless of what your testamentary documents say.
Youth tends to mistake time for abundance - ignoring the fact that time itself is the most powerful compounder of wealth.
Most people who fail at budgeting aren’t weak-willed – their budget is just disconnected from what they truly value. While a spreadsheet can tell you how much you spent, it cannot tell you whether it was worth it – and
