Articles

During challenging times, it can be extremely beneficial to have a trusted financial adviser. Someone who knows your personal situation and can help you navigate the uncertainty with sound advice and professional assurance.

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Have you thought about how you would like your estate to be distributed? What do you want to happen to your assets when you’ve gone? Do you want your grandchildren to benefit… or do you have a favourite charity you would like to support?

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There is never a good time – or age – to be out of work. But for those over 60, it can feel particularly painful. If you have lost a job or been made redundant, the hardest part is knowing what to do next.

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We discuss whether implementing the new reduced minimum for your pension payment is a viable option for this financial year. Reducing your retirement income is an important decision that can impact your lifestyle, so we have outlined some of the points to consider.

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Taxes… they are one of the two certainties of life. You can’t avoid them, but there are ways to reduce your liability… especially when it comes to capital gains tax. We look at strategies within your super to help minimise the amount of CGT you pay when you successfully sell your assets.

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Sequencing risk can impact your retirement income… but our unique Investment Philosophy allows us to build portfolios that are robust enough to withstand the market volatility that triggers the effect.

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Owning your home outright is often a key financial goal for many Australians. But should you be solely focused on paying your mortgage off early to save on interest costs? Or are there other ways to optimise the spare dollars you have?

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When you start investing in the share market, you embrace the process with optimism. Unfortunately, market volatility can dent your optimism and set you on a roller-coaster of emotions.

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During March and April, we have seen acute market volatility, and for many investors this has been cause for concern. But at First Financial, our unique Investment Philosophy has helped to minimise the effect on our clients’ portfolios.

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