I’m a glass half full kind of guy. I like hope. I often sit around and rely on hope. I hope to be healthier. I hope to be financially successful. I hope to get a promotion. I hope to have good relationships. I hope to travel overseas in 2022 ?. However, sitting around and hoping for a better outcome is not a plan. It’s expecting somebody else to do something and do the work for us. Yes, we might hope we are making the right decision, but the reality is that we all need to decide and follow this through with action, so that our decisions today become our hoped-for reality. The truth is that if ..read more

A while ago I was stuck. I’d heard the saying “Money always flows to where it finds the most value” and I’d built my business around this philosophy, finding the best outcomes at the lowest cost for clients with great success. But at the same time my own costs were increasing, and I was either going to have to pass these costs on to my clients or go broke helping them. Added to this pressure, new players (robot advisers, wealth coaches etc..) had entered the space of financial services offering even lower cost advice products (albeit with less services) and in all honesty I couldn’t compe ..read more

Well friends, 2021 is now dry cement. Yeah!!!!!!! However, before we embark on our plans for 2022, I’d like to share the ups and downs, successes and failures of the 2021 that was. I do this to keep myself accountable and inspired on this journey called life. As a reference point click the 2020 Benchmarking Success link and a link to previous years here. The past maybe dry cement, but I believe it’s also important to also celebrate how far we’ve come, reflect on where we could have done better and put myself out there publicly as a form of motivation to do the work, I need ..read more

I love this quote. "Too many people are buying things they can't afford, with money that they don't have. To impress people that they don't like". Anonymous. So..... Stop doing it! All too often when making big decisions we get stuck. We make short term emotional choices whilst remaining blind to fullfilling our true core values and the values of our future selves. So, with the clarity of hindsight and  self-reflection, I give you my list of "20 Things That Will Matter to You Less in 20 Years’ Time".  20 Things That Will Matter to You Less in 20 Years’ Time  1. Having more than ..read more

When it comes to our choice and money, we always make emotional decisions and then rationalise them according to our values. I have created the following 10 questions, to ask yourself about money, make better choices about our money, and achieve a better outcome for both ourselves and those important to us. Do I feel poor? Do I feel worthy? Are the opinions of others hindering me from following through on choices that inspire me? What is my enough number? If I could change one thing about my finances, what would it be? What is important about money to me and why? What is the biggest risk to m ..read more

Oh man. It’s happening again !!!!!! Another rule change to implement and this on top of another change in regulation, another additional education requirement, another change to how we work and having to do all this just to keep pace with the changes to our profession we aspire to be great at, so we can continue to do what we love i.e., help our clients. It doesn’t blindside me. It’s more like a mix of groundhog day and being a frog slowly boiled, “grenouilles bouille” for the Francofiles, “yudegaeru” to the Japanese and “rana hervida” to the Spanish speakers among us. But then it happens. Bur ..read more

Whether you've just started out on your journey to ahieveing financial independence or yo're on you're way and feeling a bit lost. The following are some nuggets of gold I've discovered along the way that has helped and encoraged me to  1. Investing in yourself will be the most valuable and highest returning investment one can ever make. 2. Aligning your finacial choices to your core values will help you not only make better decissions, you will also be able to make them faster, more confidently and have a higher probability of success. 3. More money is only the outcome of doing ..read more

The biggest fear I hear from my retiree clients is they do not want their money to expire before they expire. Australia has an enviable retirement safety net for their seniors. It's called the Age Pension and along with a superannuation system established in 1991 (30 years old) it ensures at least some additional funds for retirees to help with their day to day living expenses. Some people I meet with want to access the full age pension. Others just want a part pension so they can access other benefits i.e., reduced rates, medical etc. Regardless of retirement or not, I’ve never met anyone who ..read more

The greatest equalizer of all, is time. Regardless of our sex, nationality, physical ability, money, career or up bringing, we all have the same amount of time. And it has always been so. Nothing has changed. A thousand years ago, people only had 24hrs in a day and seven days a week to do everything they need to do. Today we have the same 24hrs a day and the same seven days in a week. The other great equalizer is death. Sorry to sound so morbid, however it is the truth when I say no one is getting out of here alive. And I am sure most if not all of us would rather be spending more of our time ..read more

Let go of your past. The past is dry cement. We cannot change it, however the choices we make today can change our future. So, next time your thoughts drift back, and we start to self-judge. Be like Elsa from the movie Frozen and start singing “Let it Go!”. Do something. “An inch of action will always get you further than miles of your best intentions”. We do not have to do a marathon immediately, just put your shoes on and go for a walk. If you want more financial security, start saving a little. If you want better relationships and business, we can start by making one phone call a day to s ..read more