Our newest adviser.

Our newest adviser.

We are delighted to formally introduce our newest financial adviser, Gillian (Gill) Witham. Gill joined 5 Financial in November and she has been working closely with our Head of Wealth Management, Jason Petersen, in the months since, gaining a sense of our approach to wealth management. “When you first meet Gill, you’re instantly struck by her warmth and genuinely caring nature,” says Jason. “Combined with her strong analytical skills and knowledge, she makes a great financial adviser.” Gill has a Graduate Diploma of Finance and she is currently completing a…

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Jason in Money Mag’s ‘Ask the Experts’.

Jason in Money Mag’s ‘Ask the Experts’.

Once again Jason Petersen – our Head of Wealth Management – has been invited to contribute to Money Magazine’s ‘Ask the Experts’ column, this time in the February 2017 edition. This column takes a real-life case study and presents it to a couple of industry experts for their take on how the person might choose to proceed. It’s great to have Jason’s expertise acknowledged in this way. Well done Jas! If you’d like to get advice tailored to your unique circumstances and goals, book a consultation with Jason or another…

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Goal setting and why your ‘how’ matters as much as your ‘why’.

Goal setting and why your ‘how’ matters as much as your ‘why’.

A fresh new year is a good time to set some big goals for yourself. By starting the year with compelling goals, you create a picture in your head of where you want to head and why. And there’s a lot of energy in that. But just as important to your success is your ‘how’. Say (for example) your goal is to lose 5 kilos. Your motivation (or your ‘why’) might be to feel healthier so you can run around easily with the kids (or grandkids), or so you can…

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The beauty of investing in index funds.

The beauty of investing in index funds.

Back in 2007, Warren Buffett – one of the world’s most successful investors – waged a bet that over 10 years, an S&P 500 index fund would outperform ten hedge funds of the taker’s choice. The sum to be invested was $1 million, with the proceeds going to charity. The bet was taken up by Protégé Partners, a New York money management firm. It selected five funds of hedge funds, while Buffett chose the Vanguard 500 Index Fund Admiral™ Shares. From when the contest began on January 1, 2008, through to…

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New payment option with Macquarie.

New payment option with Macquarie.

This post will be of interest to our clients with Macquarie Cash Management Accounts (CMA). In the past, if you needed to authorise a payment (say to yourself, or the ATO or ASIC for example) that you wanted us to arrange on your behalf, you needed to print out and sign a form, scan it, and email it back. A time consuming process I’m sure you’ll agree, and very difficult to organise if you were travelling or not within easy access of a computer and scanner. To help overcome this,…

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So you’ve got your financial plan. What happens next?

So you’ve got your financial plan. What happens next?

  As a client of 5 Financial, your adviser has now presented you with your customised financial plan that addresses the key areas of concern you raised in your initial briefing. It also captures a ‘financial snapshot’ of where you stand right now, and the steps we recommend you take to enable you to achieve each of your goals. But it’s what comes next that really matters. Because a plan without action is just talk. And we know that by asking us to develop a financial plan for you, you’re interested…

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Q&A with 5 Financial’s Founder.

Q&A with 5 Financial’s Founder.

Recently I was interviewed for an upcoming industry publication and thought our clients might be interested. Here’s how it went: What is the most exciting/rewarding part of working in the financial planning sector? There are many exciting and rewarding aspects to what we do. This is best summed up in the change we see in our clients’ attitude about what’s possible for them to achieve, and their confidence that they can make it happen. Putting some context around this, when people come to see us for the first time, it’s common that they’re…

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The US election & market implications.

The US election & market implications.

The surprise election of Donald Trump in last week’s presidential election created some market wobbles, and naturally many people have been concerned about the impact on their portfolios. Vanguard has published a response, based on an analysis of decades of historical data. It shows that presidential elections typically don’t have a long-term effect on market performance. It’s also interesting to see there is little variation in market performance whether it’s a Democrat or Republican in the Oval Office. Read the full account here. At 5 Financial, it’s our philosophy that…

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Aged Pension changes from 1 January.

Aged Pension changes from 1 January.

As 2016 gallops to a close, it may feel like the changes to the Asset Test for the Aged Pension have just been drawn up. These changes were, however, announced in the 2015 Federal Budget. So who’s affected and what does it mean? If you are over 65 and in receipt of a full or part Aged Pension, then you need to be aware that for every $1,000 owned above the assets test free amount, your pension will be reduced by $3 (this was previously reduced by $1.50 for every…

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Using technology to make life simpler for our clients

Using technology to make life simpler for our clients

Many of our clients are making great use of ‘Your Wealth Portal’, powered by the myprosperity platform. This online tool makes it easy to keep on top of your finances by providing up-to-date data on your credit cards, bank accounts, home loans, investments, property, super and more. We’ve been very impressed with the platform to date, and soon we plan to introduce its digital document signing capability. This will be a huge help for clients – especially those who live some distance from our office – and it should also make it faster for…

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