First Financial Blog

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Do I need a financial adviser?

Posted on November 24, 2021 by First Financial

Your money is important. You need to make sure that it is going to support your lifestyle. Seeking professional advice can be beneficial when you want to maximise your wealth building opportunities, and this is when you might ask yourself, ‘Do I need a financial adviser?’

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Different types of super funds

Posted on November 9, 2021 by First Financial

Did you know that ​​as of the end of the June 2021 quarter, the total balance of Australian superannuation assets totalled $3.3 trillion? Understanding the different types of super funds is the first step in making sure you select the most appropriate fund for your needs.

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Best places to retire in Australia in 2022

Posted on November 9, 2021 by First Financial

If you are planning to retire in the coming year, you might already be knee-deep in details and logistics… but we’ve put together a list of some of the best places to retire in Australia. If you are thinking about making a move, then here are some ideas of locations you could consider.

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Why you should choose a self-licensed financial adviser

Posted on October 21, 2021 by First Financial

The financial services industry has been under a microscope for the last few years. This is why you should be on the lookout for a self-licensed financial adviser. Being self-licensed gives the adviser a greater degree of autonomy and means they are more likely to work with you to understand your unique needs and financial goals.

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Understanding the super contributions bring-forward rule

Posted on October 13, 2021 by First Financial

As you get closer to retirement, boosting your super balance is always at the top of the financial to-do list. If you happen to receive a financial windfall or sell a significant asset, applying the super contributions bring-forward rule could be a useful strategy.

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First Financial’s pandemic pets

Posted on October 8, 2021 by First Financial

Here in Melbourne, we are now the record holders for the longest cumulative lockdown of any city in the world. But during the lockdown period some of our First Financial team members welcomed new furry friends into their lives… while others were extremely grateful for their long-standing pet-pals.

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Super strategies and small business CGT concessions

Posted on October 7, 2021 by First Financial

If you are a business owner, it’s important that you are familiar with the Government’s small business capital gains tax (CGT) concessions. The concessions can offer significant financial benefits, depending on your personal situation and how long you’ve owned your business.

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Tax implications of employee share schemes

Posted on September 29, 2021 by First Financial

Many global corporations utilise employee share schemes as workplace incentives. They are an effective way to encourage retention and motivate employees to do their best for the organisation. But there are potential tax implications you need to know about.

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Super fund performance

Posted on September 9, 2021 by First Financial

On 31 August the Australian Prudential Regulation Authority released results from their first MySuper Product Performance Test. We take a look at these results and Chris Crough, First Financial Principal, discusses why our clients are protected from this poor super fund performance.

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Managing cash flow in retirement

Posted on September 6, 2021 by First Financial

Everyone has different dreams for their retirement but regardless of what your retirement looks like, there’s always a need for financial stability. Here, we consider cash flow in retirement. And we look at some of the important steps you can take to help minimise financial stress so you can focus on the things you enjoy.

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