4 things you need to know about Life Insurance

Personal insurance remains one of the greatest areas of misunderstanding in Australia. In some countries you cannot even obtain a mortgage without taking out life insurance. None of us know when our time will be up but it’s important to understand how this cover can be structured to provide for YOUR what-if’s and it only takes 30 minutes for our insurance consultation. For now, we wanted to share some common misconceptions about life insurance in the hope to raise more understanding in this area.

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Level the SUPER Playing Field

Superannuation is complex. There are cap limits on contributions, cap limits in pension phase, minimum income stream caps. It is a minefield of rules, regulation and financial jargon to make most of us want to bury our heads in the sand. With the introduction of the transfer balance cap of $1.6m last July, there are more reasons than ever to ensure your spouse (many of whom have a lower super balance) look to increase their balance. Here are 2 options you can consider:

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Techno charging Your Estate Plan

Technology in our lives is the new normal. None of us can imagine life without a mobile phone, Netflix or heaven forbid – social media! So, it makes sense to consider cyber assets in your estate plan. Digital decisions are the new black!

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Supersize Me – downsizing opportunities

Is downsizing your chance to upsize your Super in retirement? Many of us live in large homes that once provided for our busy family members but may now be feeling empty once they have left the nest. We see many reasons people want to downsize their home: a smaller property is easier to maintain; travel may be more frequent; mobility and access may be a problem; large gardens and empty rooms are unnecessary and a lot to look after. Downsizing to a smaller residence provides a great way to top up your superannuation, allowing you to fund your retirement longer.

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The year I went without^(new) clothes.

I love a challenge and this challenge was one I secretly commenced last year. I kept it a secret because I wasn’t certain I could actually go through with it. For the past 12 months I have bought no new clothing! So what! you say…. hardly worth making a fuss about when there are people with serious health and money problems. However, I wonder how many of you could actually commit to this?

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