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ATO tax return claim: All the changes coming July 1 | What you need to know

June 27, 2019

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May 28, 2015


People using financial advisers or accountants to enter a superannuation product are likely to be more satisfied than those going into default options, according to the latest data compiled by Roy Morgan.  


The data, released in a report Superannuation and Wealth Management in Australia, found those who purchased their...

February 13, 2015


We often receive calls or emails from clients and some non-clients, who delay getting important information back to us, whether it is tax returns, information for their auditor, or engaging with their planner. So, we thought we would find out what and when the right information is needed.


We have captured here...

May 7, 2014

Less than 1 per cent of Australians received financial advice when they were younger, but more wish they had, new research from REST Industry Super reveals. 


One in four said they would try to gain a better understanding of how to manage their finances. 


REST CEO Damian Hill said young Australians were setting themselves...

May 1, 2014

Clients aged in their mid-forties are the most likely to claim on their disability and critical illness cover, but this is also the period when most people cancel their policies, new analysis from TAL has shown.


A review of TAL's 'living insurance' policies (TPD, trauma and income protection) for the 12 months to Septemb...

February 14, 2014

There are approximately ONE MILLION Australians who are currently managing their own SMSF. This figure is increasing dramatically each year and there is a reason for it.




A SMSF has a number of specific benefits that Industry/Retail Super funds do not provide. Listed below are some features of a SMSF.



January 8, 2014

Life insurance has been sugar coated by the Australian advertising industry for too long. So let's face it – unfortunately, we are all going to die. Life insurance is one of the best ways to prepare for the worst case scenario; after all, if you were to pass away unexpectedly, the loved ones you leave behind would still...

December 16, 2013

What is salary sacrifice?


Salary - Is a fixed regular payment made by an employer to an employee.


Sacrifice -  is an act or giving up something that values for the sake of something that may be of greater importance.


Putting together these two definitions may help clarify what salary sacrifice is giving up salary fo...

December 11, 2013

Why Superannuation isn’t just for older Australians


For older Australians nearing retirement age, superannuation is a great way for them to prepare for their retirement. It provides generous tax concessions and in many cases they can access their super already. But should younger people be thinking more about superannuat...

October 17, 2013

In our line of work it is an exceedingly regular event to see families with credit card debts in excess of $30,000.

This term of "plastic debt" can have a dramatic effect on the family budget.

Whilst a minimum monthly credit card repayment of 3% seems quite easy to handle at first glance, however a $30,000 debt will re...

October 16, 2013

Goran Gorgievski principal at Finance and Risk Consultants Pty Ltd talks about basic investment principles to consider before making an investment decisions and the common mistakes investors make.



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Finance and Risk Consultants Pty Ltd* - ABN 32 151 621 304.

*For Financial Planning and Life Insurance, Finance and Risk Consultants are a Corporate Authorised Representative of My AFSL Pty Ltd – ABN 88 625 856 840 – AFSL No 508559. Authorised Rep No - 409344

*For Mortgages and Finance, Goran Gorgievski is a Credit Representative of Australian Finance Group (AFG) Australian Credit Licence No 389087.