• Vertical Integration Model
    By Halina Roach / May 18, 2018

    We have all been concerned about recent news emanating from the Financial Services Royal Commission and the confidence of Australians to receive trustworthy, thoughtful and appropriate financial advice. The appalling behaviour of many corporates and advisers has sometimes resulted in a devastating financial impact on investors.

  • Happy Retirement
    By Halina Roach / March 29, 2018

    So many people go through their working life waiting for the magical day when they can ‘retire’ from their job. This retirement date may be the date when they become eligible to receive the age pension or another arbitrary date that they have been working towards. But often these same people reach their retirement and twelve months later discover that it is not what they had expected it to be.

  • Winning a Golden Ticket
    By Halina Roach / March 27, 2018

    In a popular children’s story, the young hero pins all his hopes on finding one of a handful of ‘golden tickets’ hidden among millions of candy bars. It seems many people approach investing the same way.

    The notion that the path to long-term wealth is in locating secret and previously undiscovered treasures in the global marketplace of securities is one that regularly features in media and market commentary.

  • Investment Markets in 2017
    By Halina Roach / February 2, 2018

    Economic Overview

    Once again, the investment strategy of maintaining discipline and holding for the long term won out over reacting to media forecasts and predictions from hyperventilating partisans. In January 2017 CNBC suggested Wall Street was the most bearish they’d been in 12 years, as it turned out, the global economy continued to strengthen as share markets posted solid returns on low volatility.

  • By Halina Roach / February 2, 2018
    Longevity Risk is one of the biggest risks facing retirees – it is the risk of outliving your savings…
    Longevity risk is a function of two unknowns –
    1. how long you live, and
    2. how your investments perform.

  • By Halina Roach / January 1, 2018

    If someone were to ask you about your goals, how would you answer? Would you be vague and stumble in your response? Or would you have a clearly articulated answer?

  • Financial Planning Forties
    By Halina Roach / November 27, 2017

    Once you hit your forties, you usually start to take your own and your family’s financial future more seriously. You may be more settled in your career and at, or near, your earnings peak. In recent years the cost of housing and general living expenses have risen faster than wages, leaving many households spending all or most of what they earn. This can make it difficult to achieve financial objectives, such as reducing your mortgage and saving for retirement.

  • Technology Innovation
    By Halina Roach / September 13, 2017

    In 2007 Apple introduced the iPhone to the world and it revolutionised the way we communicate. Apple has continued to innovate and introduce new versions of the iPhone and other products over the last decade and currently is one of the largest companies in the world. Will Apple still be producing the number one smartphone in 2027?

  • Living The Dream
    By Halina Roach / August 28, 2017

    What does ‘living the dream’ mean to you?

    Everyone’s idea of ‘living the dream’ is different. As a financial planner it is my job to speak with prospects and clients alike to help them to articulate what the ‘dream’ looks like to them.

  • Private Education Costs
    By Halina Roach / August 14, 2017

    One of the goals that most typically comes up in discussion with prospects and clients alike, is that of saving for their children’s education. Putting in place a plan to save for and fund education expenses is important. The earlier you start planning the better.