Recently I got a call from a potential client…one of the first things out of her mouth was ‘What are your fees?’ The thing is…financial planning is not a one size fits all situation, which means it’s not a situation where one fee fits all! Our fees are variable, with the cost of services provided…
Today was a first…I almost walked out on an appointment I’d travelled to. After sitting with a prospective client and getting the run around, lots of evasion and smug smiles I packed up my tool box (pen, paper & calculator) and after explaining I didn’t have time for their games I headed to the door…I…
It’s amazing the number of times families have been told the cost of a Refundable Accommodation Deposit (RAD), that’s the amount they expect you to contribute towards the cost of your Loved One’s entry to care, when they’ve visited an aged care facility looking for a bed; and those same families are often stressed by…
There’s a funny relationship between people and money when it comes to finding ways to reduce the costs of age care. A woman called, her Mum urgently needs permanent residential care. Mum’s a wealthy self-funded retiree and ‘someone’ suggested a 5-year plan to gift most of Mum’s assets to her children, suggesting these gifts would…
Receiving money from an Estate can totally change people’s lives, in ways they hadn’t thought possible. In the last year I’ve helped several families who’ve lost Loved Ones, only to eventually receive significant financial windfalls from their Estates. Those inheritances have been life changing for the people concerned. Often there’s guilt associated with receiving money…
It’s not because people don’t want to invest, it’s simply because they’ve never managed to have enough money left over after paying for their lifestyle, bills and basic living expenses. There’s a trick to almost anything financial, and that’s being able to manage your cash flow and being in control of your money. It’s important,…
While doing a presentation this week I asked two audience members “What’s your vision for your future”? and got two very different answers! Because the first person was approaching retirement…they’re focused on their retirement lifestyle, where they have time and money to enjoy their family. The second was early twenties…and the response was ‘I don’t…
Most of us have financial hopes and dreams we’d reeeeeeally like to turn into reality. But that’s where it stops, with hopes and dreams! Usually because we don’t know what steps to take to turn those ideas into something more tangible, possibly even life changing. Hopes and dreams are a great discussion points when you…
Like most things, age care is a case of ‘buyer beware’ rather than rushing! Recently I was contacted by a frustrated daughter…her father had signed a contract for his wife’s permanent entry to care without understanding the financial implications of his decision! He’d committed to a contract that was going to see him left paying…
There are times when financial planning is as much about providing emotional support and guidance as the need for advice. Today has been one of them. I was asked by a professional colleague to help deal with a situation they’ve never encountered before, so I went along as support person. Discussing a potential terminal illness…
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