Blog

Asset based fees do not make sense

It’s been a while since I ranted about this. I had recent prospective clients approach us, a Humble Achiever couple having just sold their business and made work optional last year. They had concerns about the fees being charged to them by their current advisers. They were being charged an asset based fee (or a… Read More

Neil Salkow

Director and Independent Financial Adviser

Elections and Investing

With Australia in the middle of another general election campaign and facing the prospect of a change of government, investors may ask what implications the political cycle has for financial markets and for their own portfolios. Media commentators often say that elections pose significant uncertainty for markets, as investors weigh the prospect of policy change… Read More

Shares are down… so what?

Anyone checked their portfolio lately, or heard about the volatility on the sharemarket on the news? It’s likely down, maybe as high as 10% over the last month. Some seasoned investors will understand this is par for the course, while others may be feeling a bit more anxious. Volatility is a test to all investors.… Read More

Neil Salkow

Director and Independent Financial Adviser

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