Andrew Rowan Wealth Management

15/03/2026

Cash feels safe.

But if it does not grow enough to support future spending, it can introduce a different kind of risk.

A short read on the quiet trade-offs of holding too much cash.

Cash is often described as the safe option.

28/01/2026

Volatility feels like risk.

But the real risk is being forced to change plans when markets move.

A short read on why structure matters more than smooth returns.

https://www.arwm.com.au/volatility-is-not-the-real-risk/

26/01/2026

Australia Day vibes 🇦🇺
Here is what Australia actually looks like today.
Some fun. Some weird. All true.

• About 27 million people live here
• Around 90 percent live in cities
• Most live within 50 km of the ocean
• The average household has 2.5 people
• About 1 in 4 homes is a single person household
• Nearly half of households own a dog
• Australia has about 6.4 million dogs
• There are more dogs than kids under 14
• About 1 in 3 households own a cat
• We have more sheep than people
• Kangaroos outnumber humans by millions
• Over 300 languages are spoken at home
• Nearly 1 in 3 people were born overseas
• Life expectancy is over 83 years
• About 60 percent of homes own a BBQ
• We drink nearly 2 billion cups of coffee a year
• The flat white is ours. Probably.
• There are more than 10,000 beaches
• One beach a day would take 27 years
• And yes. Millions will eat prawns today and forget sunscreen

Happy Australia Day.
Love this strange, sunburnt, dog loving place 🦘🐶☕

21/01/2026

Most people focus on risk tolerance.

How comfortable they feel with ups and downs.

Risk capacity is different.

It is about what a plan can afford without threatening future spending.

A short read on why confusing the two often leads to problems later.

Most people are familiar with the idea of risk tolerance.

14/01/2026

Most people know the label on their super or investments.

Balanced.
Growth.
Conservative.

Very few people know how that actually feels when markets fall.

Risk shows up in behaviour, and not in product names.

A short read on why understanding risk matters more than confidence in labels.

Whilst many people can tell you what label their super fund, (or other investments) sit under, or maybe they don't.

05/01/2026

Starting the year calmly makes better financial decisions easier.

This week’s focus is on three simple checks that help reduce pressure before any major decisions are made.

Cash buffer.
Risk alignment.
One-page clarity.

If retirement is getting closer, the start of the year is a good time to slow things down rather than rush decisions.

27/05/2025

With a small group of advisers from across the globe listening to Dinensional joint CEO Dave Butler.

21/05/2025

Dr Dinesh B Palipana. One of the most inspirational talks I have heard. Amazing.

21/05/2025

Listening to some great speakers at the Commerce Ballarat Busines Day Out.

18/03/2025

🙏THANKS FOR 2024/25 - SPONSORS🙏

As we wrap up the 2024/2025 Cricket Season at Golden Point, we would like to take the time to thank the various aspects of our club, starting with our Sponsors.

Once again, we have been supported by many generous sponsors throughout the season. Their contributions, whether it being monetary, goods or services have helped our club thrive both on and off the field. We love looking after local businesses, so we ask that our cricket community look to our sponsors first and see what you can do to support the businesses that support us!

To all of our sponsors, a huge thankyou for your support of our club, and we hope to have your support again in the new season!

Bake & Grind Ballarat, Lawler Bricklaying, Sharp Accounting, Florence Audit and Assurance, Ballarat PlumbPro, Ultimate Painting Co, Bryan & Petersen Quality Builders, Parker Plumbing And Roofing, Andrew Rowan Wealth Management, Sinclair Meats Ballarat, Detail Clean, Redstone Electrical, RADcentre, PostureWorks, Real Estate Home Loans, SED Regional Advisory, The North Star Hotel Ballarat and Masuri

"Once a Pointie, Always a Pointie"

16/12/2024

🔵SPONSORSHIP ANNOUNCEMENT🔵

We are pleased to welcome our newest sponsor and supporter of our club, Andrew Rowan Wealth Management.

With the cost of living on everyones mind, it's important to make your money work as hard as it can for you. This is where Andrew comes into it. Andrew will help organise a financial plan to live your best life sooner rather than later. With over 30 years experience, having Andrew and the team in your corner would be a wise move! So, give him a call and see what he can do for you.

"Once a Pointie, Always a Pointie"

24/11/2024

--------> Learn more at our Blog! Book a meeting! Links in Bio!