Author: prudentia

Life's financial turning points: good and not-so-good

The marriage and divorce statistics for 2015 sadly suggest that 43 per cent of Australian marriages may end in divorce. Significantly, this number-crunching does not include separations of de facto couples.

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Global economy synchronised and thriving

The global economy has maintained steady growth in the second quarter of 2017, providing a solid foundation for risk assets such as equities and corporate credit which further encourages investors to build a diversified portfolio, according to JP Morgan.

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Planning for Aged Care

Need a plan to assist a loved one move to Residential Aged Care? This can be a stressful time, but early planning and good advice can minimise the stress for you and your family. You will be faced with many personal and financial decisions. Click on the link below to access the brochure that explains...

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Changes to the Age Pension rules – how will you be affected?

From 1 January 2017 Government changes to the Age Pension are likely to reduce pensioner entitlements.  Increase in the Assets Test (lower) threshold The Assets Test threshold is the amount of assets pensioners can hold before their pension starts to reduce under the Centrelink Assets Test. The table below shows the new thresholds from 1...

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SMSF – Minimum needed as recommended by ASIC

In an attempt to improve the quality of advice provided by advisers on SMSF, the Australian Securities and investments commission (ASIC) has released two information sheets – click on the link below for more information: Information Sheet 205 Advice on self-managed superannuation funds: Disclosure of risks, or INFO 205, and Information Sheet 206 Advice on...

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Aged Care – options available to you or someone close to you

Whether considering options for yourself or deciding how best to help someone close to you, aged care is a complex area and requires careful thought. The uncertainty surrounding where to move, how much it will cost and where the money will come from can be overwhelming and stressful. The below guide provides the basics – you will understand...

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Do you want to know how you can get paid a lump sum of money if you were diagnosed with a critical illness? Read on…

Trauma or Critical illness insurance enables you to be paid a lump sum amount of money on diagnosis of a critical illness (such as cancer, heart condition, stroke, major burns and up to 20 other conditions) whether you are working or not. Other well-known conditions include multiple sclerosis, muscular dystrophy, quadriplegia and blindness. It can...

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Business Excellence Award

I’m always striving to improve my business and the service provided to clients. Click on the heading above to see a photo of the award for Gem Advisers Pty Ltd t/a Prudentia Financial Planning.    

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2014 Federal Budget – The facts you should know about…

Budget update – 14 May 2014 13th May, the Treasurer, Mr Joe Hockey, delivered his first Budget describing it as “the Budget that gets on with the job and it is time, for all of us, to contribute and build”. The 2014/15 Budget sets a timeline for reducing the deficit from its present level of $49.9...

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The Power of Compound Interest

Compound interest is your friend – It’s simply interest earned on your interest. For example, when you receive interest from a saving or investment and you reinvest that interest instead of withdrawing it, the time your interest will be calculated on your original savings plus the interest you’ve received. So your next interest payment will...

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To fix or not to fix (your mortgage), that is the question …

There has been a lot of talk about interest rates – are they to continue going down (in Australia) or are they going to go up in the not too distant future? The simple answer is – no one knows for sure. However, we can look at some numbers and see what they imply. I...

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NEWSLETTER – December 2011

In this edition: Saving – The new black, You’ve come a long way baby – stategies to give your super a final boost, Scams – How gullible are we? Recipe: Tuna Rice Bake Click here to read the Newsletter  

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FEAR ITSELF – The European debt crisis in perspective

Yet again, the markets are spooked by the European debt crisis. By now, you may be feeling like you’ve heard more about the Greek economy than you ever wanted to know. Last month, the Eurozone members agreed to write down half of the Greek debt owned by the private sector, and recapitalise Europe’s banks. This...

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NEWSLETTER – June 2011

In this edition: The case for cash & debt management, The power of giving blood, Managing your estate now is essential, Planning for the unexpected, Recipe: Asian chicken, corn and noodle soup. Download Newsletter  

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Heathmont Financial Services Pty Ltd (ABN 68 106 250 104) trading as Heathmont Financial Services is a Corporate Authorised Representative (No. 262098) of Knox Wealth Management Pty Ltd (ABN 74 630 256 227), Australian Financial Services Licence Number (AFSL) 513763.

Julian McGoldrick is an Authorised Representative (No. 262098) of Knox Wealth Management Pty Ltd AFSL 513763.

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