Roskow Blog

8 Tips to spend less during The Extravagant Quarter (Spring/Xmas)

During a progress meeting with a Leader client this week, the agenda addressed cash-flow and spending. My clients mentioned that they’ve cut down on how much they are spending but were conscious that “The Extravagant Quarter” had just begun. They were referring to the October to December quarter when there are a lot of birthday parties, Xmas… Read More

Matthew Ross

Director and Independent Financial Adviser

What are your 5 BIG rocks?

Many of us have heard the rocks, pebbles and sand story which goes a bit like this: A philosophy professor once stood up before her class with a large empty jar. She filled the jar to the top with large rocks and asked her students if the jar was full. The students said that yes,… Read More

Matthew Ross

Director and Independent Financial Adviser

The solution to all the Royal Commission problems

The Royal Commission has revealed some disgraceful and deceitful actions.  What will come of it all is anyone’s guess. I’ve been mulling it over and have concluded that the solution is to make (only ) independent financial advice completely tax deductible.  Upfront advice, ongoing advice, anything in between; all of it 100% tax deductible. Now… Read More

Matthew Ross

Director and Independent Financial Adviser

Independence still a mystery

Dear James, Yesterday, you made a big mistake in this news article about Sam Henderson. You refer to him as an independent financial planner.  He is not independent.  He has never been. It’s an honest mistake.  It’s a real mistake.  But is it really a big mistake? It is.  People believe what you write James.… Read More

Matthew Ross

Director and Independent Financial Adviser

Are you being pulled towards a distraction?

Whilst running on Sunday morning recently, my friend Belinda told me something I found fascinating about her recent Toyko Marathon adventure. When she lined up at the starting line she found herself just metres behind the elite runners.  Minutes before the race began all the best marathon runners were introduced to the crowd and took… Read More

Matthew Ross

Director and Independent Financial Adviser

The Key to Success (I finally found it)

It’s only taken 41 years and 9 months, but the penny has finally dropped for me. I have finally figured out the key to success. The answer is: other people. The success you realise in the future will heavily depend on the people you surround yourself with.  Agree or disagree? I once heard someone say… Read More

Matthew Ross

Director and Independent Financial Adviser

Ego is the enemy

I’ve recently returned to practice Brazilian Jiu-Jitsu, a technical martial art focussing on grappling and ground fighting. There are a lot of lessons to be learned practising this art, the biggest I believe is that ego is the enemy. Being a white belt, I’m rolling against blue and purple belts who are more experienced and I pretty much get… Read More

Neil Salkow

Director and Independent Financial Adviser