Visualise Wealth in Sydney, Australia | Financial planner

Visualise Wealth

Locality: Sydney, Australia

Phone: +61 407 204 480

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• Investing service
• Financial planner

24.01.2022 #Fake finance apps are targeting users from around the world. Read the article to see how they operate and stay safe! https://goo.gl/GR1Vqw

24.01.2022 What a great idea!

23.01.2022 Its so nice to receive positive feedback from workshop attendees. Below are some comments from a workshop I recently ran on cashflow and budgeting. "Thank you so much for this workshop. I felt so overwhelmed and clueless about how to deal with money, tax etc." "Good budgeting techniques for people that do need them."... "Was lovely and informative, thank you." Its so fulfilling to know that Ive been able to help.

23.01.2022 You may dream about overseas holidays, home renovations or simply spending more time with your friends and family in retirement. However, the reality is that many people are unlikely to match their retirement expectations. #retirement #expectations https://goo.gl/t5iqgR

21.01.2022 If you are driving between Sydney and the Central Coast on the M1 this weekend, look out for the illuminated advertising sign from ooh media. This is an Australian company that I recommend within Managed Fund Investments. If you would like to talk about this or other types of investment options please give me a call! Happy Easter and safe travels.

21.01.2022 How do you define good debt and bad debt? Good debt is a mortgage because you have something to show for it that is presumably rising in value and you may get a tax deduction from it. Bad debt is credit card debt or personal loans. It can make some people believe that they have more money than they have. I have seen so many times credit card debt snowball that it sucks the energy out of people and it can be very difficult overcome. If you have bad debt, try to pay it off asap. Do a budget and find areas that you can save on. Once you have your bad debt under control you can focus on creating good debt and growing your wealth.

20.01.2022 The Brexit vote has caused global instability in the markets which leads to anxiety amongst investors. As we saw after the GFC, markets bounce back. If you cash in at the low point of the market it may be very hard to make back those losses. If you are feeling anxious about global markets call me.

20.01.2022 From the 1st January 2017 there are going to be major changes to the way assets are calculated for the Age Pension. The changes will affect the amount of fortnightly pension you or someone you know receives. Some people will benefit but many will be out of pocket - in some cases by quite a substantial amount. When speaking with clients, a common response is that they knew changes were coming but were unaware of the dollars and cents impact on their cash flows. This may not affect you directly but it may affect someone you know. If you or someone you know would like to discuss these changes, please get in touch. 0407 204 480.

20.01.2022 How do you know if you have gap? Here's a free calculator to get you started! #Retirement #gap #calculator https://goo.gl/yQxMSk

20.01.2022 The Brangelina split has had the media world in a flurry. Although divorce is not a subject that we like to think about it is an unfortunate reality for many of us. The financial implications for divorce (including separation of defacto couples) will depend on the final settlement and what is left over. Being aware of the financial implications of your settlement and life after settlement can make the process easier. If youd like to speak to someone whos been there done that call me 0407 204 480.

20.01.2022 The RBA has left the cash rate on hold at 1.5% for the 15th month in a row. The RBA Governor Philip Lowe indicated the the rate of household debt and slow growth in household income "was a continuing source of uncertainty". These comments come after recent news reports about mortgage stress in certain parts of Sydney. Low interest rates are not going to last forever. For some mortgage holders even just a small increase in rates could be disastrous. I encourage all my clients... with debt to prepare a budget and to go through their expenses to see if there are savings to be made. With interest rates at records lows, now is the time to be saving money and putting extra on the mortgage so when rates go up you will have a cash buffer for protection. If you think you need help with budgeting, ASICs Money Smart website has lots of information, apps and a great budget planner . See more

19.01.2022 Heres one for the girls!

19.01.2022 Aged Care is an area that I am being asked about more frequently. To be able to provide comprehensive advice in this complicated area I recently completed my Aged Care Accreditation. There are a range of options of how to pay for Aged Care which take into consideration cash flows, Centrelink, assets & Estate Planning. If you need any help in this area please call us!

18.01.2022 Today citizens of the US vote for their 45th President. Elections usually cause volatility in share markets but this particular election has the potential to cause more uncertainty than we have previously experienced. The markets would prefer a Hillary Clinton win. She has a track record and is viewed with more certainty. Donald Trump on the other hand is an unknown quantity. If Trump wins, the markets may be volatile for some time. During times of volatility it is important... to seek advice before making any moves to sell or switch funds. Although your portfolio may have gone down, you may be better off in the long term by holding. If you are an accumulator your Super contributions will be able to buy more, if you are in pension phase, your income stream should ideally be withdrawn from cash, letting the rest of the portfolio go up and down with the markets. If you are worried or would like advice, please call me on 0407 204 480 or email at [email protected] See more

18.01.2022 Have you heard of anti-detriment payments? An anti detriment payment is an additional lump sum amount that may be paid to an eligible dependent when a lump sum death benefit is paid. The payment represents a refund of the 15% contributions tax that has been paid by the deceased member. Does your Superannuation fund or Allocated pension have provisions for anti detriment payments? If you would like more information please contact Sophie on 0407 204 480.

18.01.2022 Super is one of the most tax-effective ways to save! Putting more money into your super now could make a big difference to your retirement lifestyle later. #super #save #retirement https://goo.gl/Hz2Cyd

17.01.2022 Yesterday, for the fist time in nearly a decade, the Australian sharemarket broke through 6000 points. The last time the market went over 6000 was in 2008, just before the GFC. History shows that after every boom there is a bust but history also shows the market always works its way back to its previous high and surpasses it. Because of the volatile nature of share markets we recommend a diversified portfolio of well researched stocks or funds to smooth returns. If you are in pension phase it is wise to keep 1 - 2 years of drawdowns in cash so the rest of your money can move with the market and grow over the long term. If you would like to discuss your current investment selection and whether it is right for you please get in touch.

17.01.2022 Starting the day off with a cuppa

17.01.2022 Congratulations to Anna Meares on the announcement that she will be flag bearer at the Rio Olympics! Anna is the ultimate goal setter. She is determined when things get tough. She never gives up. She is focused and gets closer to what she wants every day. Anna is truly inspirational and is a great role model. When I push myself to reach my goals I think of people like Anna - you can do the same.Who inspires you to reach your goals?

16.01.2022 The #value of #advice is more than just money. The true value of advice survey reveals experiences of those people who receive ongoing financial planning advice. #financialplanning https://goo.gl/4GKTDj

15.01.2022 The Reserve Bank of Australia has delivered the decision of its monthly board meeting. The RBA, as widely anticipated, has today decided to hold the official cash rate at its record low of 1.50 per cent.

15.01.2022 Now that we have an outcome in the election Superannuation changes will be debated. To find out if the changes are going to affect you call me or visit my website at www. visualise wealth.com.au

14.01.2022 Happy New Financial Year!! Now is the perfect time to get your finances organised. Do you have Super accounts that may need consolidating? Is your family financially protected if you get sick, injured or die? Will you be retiring in the next few years? If any of these apply to you, Id love to help you with your Financial Planning needs.

14.01.2022 Thought of the day

13.01.2022 How do you know if you have gap? Heres a free calculator to get you started! #Retirement #gap #calculator https://goo.gl/yQxMSk

12.01.2022 Feeling the chill? Might be time for a getaway! Contact us now to get started on planning! #holidays #destinations https://goo.gl/UnHCaF

11.01.2022 Changes to the assets test calculation for the Centrelink Age Pension are occurring on the 1st January 2017. For some the changes will result in a higher pension but for many the changes will result in a reduction or even losing their pension altogether. Unlike the proposed superannuation changes the new pension rules have already been legislated and are happening in less than six months. If you know someone who is receiving the age pension or who is nearing retirement and would like information and what can be done to improve their situation please call me.

09.01.2022 EOFY tip: If you are self employed or if you are an employer and planning on making an online super contribution for this financial year, you need to make it in the next few days. As it is such a busy time of year superannuation companies have cut off dates prior to the end of financial year - you should check the date and payment details with your fund manager now. If you require any assistance please give me a call on 0407 204 480.

09.01.2022 What a fascinating 24 hours it has been! When the Australian markets closed yesterday it looked likely that Donald Trump would win and the markets went down by nearly 2%. This morning, with Donald Trump confirmed as the 45th US President our share market has gone back up by 153 points. What a ride!... We dont know how Trump will play out over the next 4 years and whether he can deliver a stable government. The Republicans have a mandate for growth orientated policies such as cutting taxes and increasing spending on infrastructure. Trump may not be popular with everyone but he has shown that he is in tune with his people. He has delivered a new message of hope. We will have to wait see what happens once he settles into his position. The last 24 hours has demonstrated that what we hear in the media is not necessarily going to come true. If you think back to the GFC the media was extremely negative and doomsdayish but the world did not end and I dont think it will now. At Visualise Wealth, our investment philosophy is set up for the long term rather than reacting to short term news. We have strategies in place to cope with short term volatility that we fully expect when investing in the share market. We hope you are not worried but if you are please call.

08.01.2022 For the first time in 12 months, the Reserve Bank of Australia (RBA) has announced it has cut the cash rate by 25 basis points to 1.75 per cent. Will the banks pass this on so we see a reduction in mortgage interest rates?

08.01.2022 Keeping up to date with the latest developments.Listening to Kerr Neilson from Platinum.

07.01.2022 So engrossed, didnt even realise Cheryl took a photo!

06.01.2022 Learning how to maximise our business pages

04.01.2022 The Reserve Bank of Australia has delivered its decision of its monthly board meeting. The official cash rate has been cut to a record low of 1.5%. Good news for mortgage holders but not so good for retirees.

03.01.2022 If you have numerous Superannuation funds and are planning on consolidating them into one fund - stop! Before you make any changes check with your fund so you know exactly what you will be cancelling. Find out about the insurance cover that is linked to your fund. Speak to a professional about your insurance needs are and make sure you have adequate replacement cover in place before making any changes. When you roll your Super you lose your insurance cover and once its gone, it may not be easy to get back.

02.01.2022 Keeping up to date at the SMSF Adviser Summit

02.01.2022 One of the headlines on last nights news was that the share market had tanked. Bad news you might think but not if you are in the accumulation stage of building your Super. When the share market goes down in value share prices and units in managed funds go down. If this happens at the same time your Superannuation contribution is made it means that you have been able to buy more shares or units than you would have if the market had been on a high. With the right advice and guidance you can change your mindset from uncertainty to certainty and set yourself up for a comfortable retirement. You could also get some tax breaks along the way but more on that in another post! If you would like to discuss how share market volatility affects your superannuation and investments please call me on 0407 204 480.