There a lot of people that would consider spending thousands of dollars paying for a Trauma Insurance policy is a waste of money...until, that is, they (or someone they know) is diagnosed with cancer, or suffers a heart attack. Just before Christmas this year, one of our clients was diagnosed with cancer, and as we go through the process of managing the claims process for them, some very real reasons for having a quality Trauma Insurance policy from a reputable life insurance company h...

I have had several recent enquiries from clients requiring home loans, but have not been able to obtain a mortgage loan as part, or all, of their deposit had been 'gifted' to them by their family. Some lenders won't accept the family 'gift', so below is a summary of a solution I recently developed for one of my clients. ??Scenario The client wanted to buy their first home, with a purchase price of $316,000 The client demonstrated their ability to meet ...

Today, I started the process of acting for a client for the proposed purchase of a commercial property. Following is a list of reasons why appointing an independent representative to act on your behalf, when negotiating the purchase of a property, may help you make the whole process a lot less stressful: The independent representative usually does not have an emotional or financial stake in the transaction, which may increase your chances of achieving your budgeted purcha...

I recently developed a strategy for a client which, in effect, will increase their compulsory employer superannuation contributions. Employers often 'package' their employee's remuneration package, possibly including a car allowance. However, some employers only calculate their compulsory super contributions based on the gross base salary (which doesn't include the car allowance component) If the car allowance component is say $17,000, the employee may miss ou...