As an Australian financial advisor with years of experience guiding clients through their financial journeys, I’ve noticed something special about your 30s – it’s a brilliant decade for wealth building that sets the foundation for your future prosperity.

As a sole trader, you’re the captain of your own ship. You make all the decisions, reap all the rewards, and unfortunately, shoulder all the risks. While you can’t eliminate risk entirely, proper insurance coverage can be your financial life jacket when things get choppy. But with so many insurance products on the market, how do you know which ones you actually need?

If you’ve been running your small business for a while now, you’ve probably heard about Self-Managed Super Funds (SMSFs) from your mates or colleagues. These DIY super funds have become increasingly popular in Australia, but are they the right choice for your small business? Let’s break it down in plain Aussie speak.

As a financial advisor here in Australia, one of the most common questions I get from uni graduates is whether they should focus on paying off their HECS-HELP debt quickly or invest that money elsewhere. Let’s break down this financial conundrum together.

Today, I would like to address a crucial aspect of financial management that affects us all – our spending patterns. As a financial advisor with extensive experience in this field, I believe that comprehending the psychological factors behind our spending habits is equally important as tracking our expenditures.