Tamara Gillman, Financial Adviser | Finance

Tamara Gillman, Financial Adviser

Phone: +61 403 466 330

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19.01.2022 If you’re like me your Instagram feed is full of celebs, friends, influencers enjoying meals out, motivational quotes and picturesque sunsets. (I’ve recently done a bit of a detox and deleted the celebs though!!!) Posts are filled with hashtags, some ironic and funny, some purely there for the influencer to get traction. Instagram has become an easy distraction from the everyday routine of our lives. It’s fun to dive into someone’s life and imagine living their lifestyle.... But the problem is - it isn’t their life. It’s a carefully constructed form of advertising. And one which normalises extravagant spending. Remember- this is actually their job! Intuitively we know this. The 'Gram' can leave you feeling unsatisfied with your own life. The temptation to dip into your savings or use After Pay to create your own Instagrammable life is huge. But will it make you happier? The answer is no. Instead, focus on what is important to you. For me it's spending time with family and creating memorable experiences. It matters to me that I can live my life financially free rather than updating my wardrobe. An occasional splurge or reward is all part of life, there’s nothing wrong with it...within your means. Just remember to enjoy Instagram like you would a work of fiction, or art, because that’s exactly what it is. What do you think? Let me know in the comments. #moneymindsetcoach #financialplanners #certifiedfinancialplanner #femalefinancialadvisor #truejourneyfinancial #tamargillman #australianfinancialadvisers #moneyadvice #moneymanagement #moneymindsetshift #moneyhabits #moneytipsforwomen #savingmoneytips #moneymanagementtips #spendwisely #financialgrowth #personalfinancetips #savemore #moneygoals #financialgoals #financialadvisorcoach #financialaccounting #moneysavingtips #livingonabudget #budgetcommunity #financialadvisorcoaching

17.01.2022 We are living longer than ever before, so it's important to be financially ready for retirement- and the changes to your lifestyle along the way. Here's a broad overview of what each of the three retirement stages could look like for you: Early Retirement... Usually begins in your early 60’s and can last right upto your mid 70’s, depending on your health and energy levels. The main focus in this stage would be to enjoy the freedom that comes from no longer having to work. This is the best time to tick off the items on your bucket list. And as a result this is also the time that is likely to be the most expensive time of your retirement, with much of your spending going on travel and leisure activities. Mid Retirement This period might start anytime from your late 60’s and may continue into your early 80's. During this stage, you may find your desire to travel or participate in more active hobbies reducing and as a result shift your financial focus towards taking care of your health. Late Retirement During the final stage of retirement, you may need to pay extra support to maintain your home and take care of yourself. As your accommodation and healthcare needs change, you may decide to move to a retirement village or nursing home- a transition which needs particular financial attention. It's also essential that you've put your affairs in order through proper estate planning. Will you be planning every stage of your retirement? Let me know in the Comments. ================= *The information is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider the Product Disclosure Statement. The author, Tamara Gillman, is a Certified Financial Planner at True Journey Financial Planning which is an Authorised Representative of TenFifty ABN 96 002 071 749, AFSL No 230692* #moneymindsetcoach #financialplanners #certifiedfinancialplanner #femalefinancialadvisor #truejourneyfinancial #tamargillman #australianfinancialadvisers #superannuation #retirementplanning #smsf #selfmanagedsuperfunds #estateplanning #wealthmanagement #taxplanning #wealthmanager #manageyourmoney #financialgoals #finacialadvices #retirementgoals #retirementlife #retirementliving #retirementincome #retirementsavings #retirementplans #earlyretirment #retirementready #retirementlifestyle

15.01.2022 Australians love to invest in property. And what’s not to love? It’s tangible, offers diversification and tax benefits, and can provide you with a good income and strong capital growth. Investing in property within a SMSF (Self Managed Super Fund) is not a straightforward proposition. It is a highly regulated affair and having an understanding of the rules is essential to ensure your fund remains compliant and you don’t get caught out in a compromising and costly position. T...ypes of property that can be purchased: You can purchase all kinds of property within your SMSF commercial, industrial or residential. Residential Property Any residential property you wish to purchase through your SMSF must: Meet the ‘sole purpose test’ this essentially means the fund must be run for the sole purpose of providing retirement benefits to its members; Not be obtained from a related party to the member such as a spouse, family member or business partner; Not be rented or lived in by a member or party related to the member. Commercial or Industrial Property Similar to investing in residential property, any commercial or industrial property investment must also meet the sole purpose test. Except that you can rent or purchase commercial or industrial property (business real property) from your SMSF - provided it’s at market rates. When a SMSF can borrow In the event that you have insufficient capital within your SMSF to purchase the property outright, your Fund can borrow to purchase property through the use of a limited recourse borrowing arrangement. Be aware that borrowing arrangements through super can be very restrictive. There are rules around acquiring property using borrowings.’. You should be cautious when it comes to investing in property through your SMSF. There are many property specialists who have a vested interest in selling these kinds of investments to SMSF members.. Investing in property through super is not advisable for everyone. Before signing any type of contract always seek advice from a licensed financial planner or authorised SMSF specialist. *The information is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider the Product Disclosure Statement. The author, Tamara Gillman, is a Certified Financial Planner at True Journey Financial Planning which is an Authorised Representative of TenFifty ABN 96 002 071 749, AFSL No 230692* #moneymindsetcoach #financialplanners #certifiedfinancialplanner #femalefinancialadvisor #truejourneyfinancial #tamargillman #australianfinancialadvisers #selfmanagedsuperfunds #estateplanning #wealthmanagement #taxplanning #smsfspecialistadviser #smsfassociation #superannuation #retirementplanning #debtfreecommunityaustralia #super #propertyinvestments #propertyinvestmentaustralia #investmenttips #investmentproperties #investmentportfolio #investmentadvice

14.01.2022 I love my profession- it’s so rewarding to be able to work with such amazing clients. Thank you so much to those who have left a review- it means the world to me! If you too would like to take the first step towards financial freedom then, click on the link below and book a free call with me. In this call we'll chat about where you are right now and where you want to be.... https://truejourneyfinancial.as.me/ebookdiscoverycall #clienttestimonial #clienttestimonials #clienttestimony #clientlove #clientsatisfaction #clientreviews #moneymindsetcoach #financialplanners #certifiedfinancialplanner #femalefinancialadvisor #truejourneyfinancial #tamargillman #australianfinancialadvisers #personalfinanceforwomen #moneyadvice #moneymanagement #financialabundance #moneyhabits #moneytipsforwomen #manageyourmoney #talkaboutmoney #wealthmanager #financiallyfit #buildabetterfuture #financialgrowth #growyourwealth #financialgoals #financialgoalsetting #finacialadvices #financialadvisors

06.01.2022 One of the main reasons Self-Managed Superannuation Funds (SMSFs) are so popular among Australians is that they provide greater choice and flexibility to members for investing their retirement savings. SMSF investment options include shares, bonds, managed funds, and even residential and commercial property. However before you get too excited with all of the real estate advertising targeting property ownership through SMSFs, every investment in your SMSF must satisfy stringe...Continue reading

05.01.2022 Are you thinking of consulting a Financial adviser? Then think no more... A great adviser can make a real difference in your life- they have the knowledge and expertise to guide you to make the right investment choice. They can also help you in minimising your tax, protecting your lifestyle and with estate planning.... It's proven by research conducted by Russel Investments that the extra value that a financial adviser can provide is 5.2% or more per year! And according to Sunsuper's research, a young family can be $240,000 better off at retirement, through getting personal financial advice. Good financial advice can help you fund lifestyle goals, like that luxurious family holiday you have been planning to take forever, private education for your kids, or being debt free sooner and an earlier and more comfortable retirement. Good financial advice more than pays for itself. So what is stopping you from getting financial advice? Is it something that you would consider for yourself and our family? Let me know in the Comments #moneymindsetcoach #financialplanners #certifiedfinancialplanner #femalefinancialadvisor #truejourneyfinancial #tamargillman #australianfinancialadvisers #financialadvice #finacialadvices #financialadvisors #financialadvisorcoaching #financialadvisorlife #financialadvisorcoach #financialliteracy #wealthmanager #financiallyfit #moneysavvy #buildabetterfuture #financialgrowth #growyourwealth #financialgoals #investmentportfolio #investmentadvice #financialaccounting #financialservices #financialtips #financialknowledge ================= *The information is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider the Product Disclosure Statement. The author, Tamara Gillman, is a Certified Financial Planner at True Journey Financial Planning which is an Authorised Representative of TenFifty ABN 96 002 071 749, AFSL No 230692*

04.01.2022 The 40s are, for many people, a critical decade for building wealth. Income is usually on the rise, but so are expenses such as mortgages and school fees. Juggling priorities can be a real challenge, and mistakes made in this stage of life can have a large bearing on the size of your future fortune. Forewarned is forearmed, so if you’re entering or already amidst this decade of life, here are a few classic mistakes you don’t want to make. Not paying attention to superannuat...ion Retirement is decades away, so why pay attention to super at this time of life? Because putting that time to use can generate big rewards. Make additional contributions to your super every year and depending on individual circumstances, strategies involving salary sacrifice, spouse contributions and government co-contributions could further boost your super. Keeping up with the Jones’s - Expensive home, expensive car, holidays, and so on. It may seem sensible to buy an expensive home if it is going to appreciate in value. However, the bigger the mortgage the greater the risk of experiencing financial stress. Life is more enjoyable if your budget makes room for some good times now rather than saddling yourself with major debt.. The wrong insurance mix Yes, insurance premiums can be expensive, but the consequences of inadequate insurance can be financially (and emotionally) devastating. Expert advice will help you decide on the most appropriate cover. Also, check you’re not paying for ‘junk’ insurance. Accident cover is a common example. It might be cheap, but only because it provides very limited protection. Make the most of your 40s All these mistakes can be avoided with some planning and expert advice, so talk to your financial adviser about how to make the most of your 40s. Avoiding just some of these pitfalls could really boost your future fortune. Let me know in the Comments some other mistakes that people tend to make in their 40s. #financialplanners #certifiedfinancialplanner #truejourneyfinancial #tamargillman #australianfinancialadvisers #moneyadvice #moneymanagement #moneytip #moneymanagementtips #manageyourmoney #financetips #investmenttips #financialtips #financialknowledge #moneymistakes #moneymissions #personalfinancetips #moneygoals #financialgoals #financialgoalsetting #wealthmanagement #superannuation #retirementplanning #super #financetips #finacialadvices #financialadvisors #financialadvisorcoach #financialservices #retirementgoals

01.01.2022 Ask most 30 year olds who their financial planner is and the typical response might be ‘huh?’ After all, financial advisers are for people about to retire, with plenty of money to invest, aren’t they? Well, yes, people nearing or in retirement will benefit from sound advice. But so will people of all ages. With some help from an adviser, a 30-something can easily establish a wealth creation plan that can deliver a big payoff in the future. Invest... It’s been called the most powerful force in the universe, and compounding returns earning interest on your interest can deliver dramatic results. A financial adviser will make sure your SUPER is set up for long term growth. If you are ready to invest, they’ll also recommend the strategies and investments that are right for you. Manage debt The wrong sort of debt can have a huge impact on your future wealth. High interest debt such as credit cards and payday loans should be avoided if at all possible. Consolidating several debts into one lower interest loan can help get debt under control and save you heaps of interest. Where will the money come from? While many people in their 30s can easily find a couple of thousand dollars a year for savings and debt reduction, for others that’s not such an easy task. However, significant savings may be hiding in plain sight. For example, buying lunch each day can easily cost over $2,000 a year. Don’t forget protection Regardless of age, bad things can happen. The financial consequences of death, illness or disability can be devastating, and the younger you are the bigger the potential impacts. Your adviser can help you ensure that your family’s wealth creation plans are well protected. Who’s your financial planner? We live in a complex financial environment, and expert advice can really help you make the most of the wide range of opportunities available. This includes choosing the right savings structures (superannuation/non-superannuation), investment products, finding hidden savings, and running the numbers to help you choose between different investment strategies & major life decisions. Ready to meet your financial planner? Click on the link in bio to schedule a free 20 minute call with me. *The information is general in nature and does not consider your individual circumstances or needs. Follow @tamaragillman Like Comment Save #certifiedfinancialplanner #femalefinancialadvisor #truejourneyfinancial #tamargillman #australianfinancialadvisers #financialplanners #personalfinance #personalfinanceforwomen #moneyadvice #moneymanagement #moneytip #financialliteracy #manageyourmoney #talkaboutmoney #wealthmanager #financiallyfit #moneysavvy #buildabetterfuture #moneyhelp #financialgrowth #growyourwealth #personalfinancetips #financialgoals #financialgoalsetting #wealthmanagement #financetips #investmenttips #finacialadvices #financialadvisors #retirementsavings