Guidance Financial Services Pty Ltd

13/03/2025

Wanting to get your head around tax within the superannuation system makes total sense. Our savings accumulate in this regime, however there are restrictions on how we can access the money, and for the vast majority of us, we are forced to save into this vehicle. How does a government manage to force people to save? Sure they can legislate, but in a democratic society, that won't produce a lasting impact. The population needs to be on side, and simply being told it's for your own good isn't going to cut it. The carrot then, is tax concessions. Check out our episode on it, "How Does Tax Apply to Your Super?" Listen or read here:

I often get questions for the newspaper column relating to how tax applies with regards to superannuation. In the past year I’ve produced a couple of episodes that have elements of superannu…

26/02/2025

Redundancy can be tough, but it also brings new opportunities. In this episode, we explore how to navigate job loss, shift your mindset, and consider options like transitioning industries, further education, or starting a business. Learn how to leverage your redundancy package and take control of your next career chapter with confidence. Check out our episode on it, "Redundancy". Listen or read here:

Despite the current low rate of unemployment, there seems to be a mini wave of redundancies in the middle and senior ranks of many companies at present.   Experiencing redundancy can be …

13/02/2025

With an awareness of the challenges of high hiouse prices and resultant large mortgages, intergenerational wealth transfers - in the form of early inheritances - are happening more and more. So if you find yourself in the fortunate position of receiving an early inhertance, what are the smart moves to put you and your family on the path to financial security, and appropriately honour the hard work that went into the generation of the wealth? Check out our episode on it, "The 4 Essentials When Receiving an Early Inheritance". Listen or read here:

With an awareness of the challenges of high house prices and resultant large mortgages, intergenerational wealth transfers, in the form of early inheritances, are happening more and more. So if yo…

29/01/2025

Bitcoin has got a fresh wave of energy since Donald Trump's election win, and we've had quite a few questions from our clients. We are all susceptible to FOMO. Make sure to check out our newest episode, "Is It Time to Own Bitcoin" to help you decide what makes sense for you. Listen or read here:

Diversification benefits our portfolios, optimising the return at a given level of risk. Poor diversification can mean you’re taking on risk without being appropriately rewarded. It is possi…

16/01/2025

Australia’s superannuation system is undeniably complex, yet it plays a pivotal role in our financial lives. With compulsory contributions mandated by law, the system is designed to ensure that the age pension serves as a safety net for basic living expenses, rather than the primary source of retirement income. To achieve a comfortable retirement, understanding the mechanics of superannuation contributions is essential. Check out our episode on it, "Superannuation Contribution Master Class". Listen or read here: https://guidancefs.com.au/superannuation-contribution-master-class/

16/01/2025

Stock market returns were phenomenal in 2024. But strong returns can plant the seed for an unexpected risk. This risk is known as recency bias. Holding an awareness of recency bias is the best way of ensuring you don’t fall victim to its draw, so check out our episode "Recency Bias - could it derail your plans?". Listen or read here: https://guidancefs.com.au/recency-bias-could-it-derail-your-plans/

18/10/2024

Check out number 3

Most searched for Halloween costumes on Google this year:

1. Characters from Beetlejuice Beetlejuice

2. Characters from Inside Out 2

3. Raygun (the breaker from the Olympics with the green and yellow tracksuit)

4. Pop star Sabrina Carpenter

5. Wolverine and Deadpool, for a duo costume

17/10/2024

Looking for a little inspiration in your week?

East Timor is sometimes referred to as the youngest nation on the planet.

This week on the What's Possible podcast I chat with one of our clients who has spent the past decade helping the people of East Timor rebuild their nation.

Welcome back to the What’s Possible podcast. My name is Paul Benson, Financial Planner and Practice Principal at Guidance Financial Services. If you’re reasonably new to the podcast, a…

10/10/2024

Have you ever listened to a guest on a radio program or a speaker at an event talking about some amazing experience they’ve had? Perhaps it was traveling through Tibet in a beaten-up Land Rover, sailing around the world, jumping out of planes in a wing suit, or starting a business or charity of their own, driven by a magnitude 10 passion to make an impact.

And when listening to these inspiring stories, have you ever wondered how they managed to organise their life so that it was possible?

Financial Autonomy is a book about ...

Have you ever listened to a guest on a radio program or a speaker at an event talking about some amazing experience they’ve had? Perhaps it was traveling through Tibet in a beaten-up Land Rover, s…

09/10/2024

This week’s blog is inspired by the number one question we get asked by new clients – am I on track to retire? Interestingly, we get this question from people who are 20 years away from retirement, and those 6 months out. It’s a question on the minds of most people at some point in their working lives. It’s perhaps...

This week’s blog is inspired by the number one question we get asked by new clients – am i on track to retire? Interestingly, we get this question from people who are 20 years away fr…

12/10/2022

This week on the Financial Autonomy podcast I chat with author and buyers agent Steve Palise. Steve recently released his second book, Residential Property Investing Explained, to complement his first release Commercial Property Investing Explained.

But we're not just talking property, Steve lives in the UK whilst running and growing his business here in Australia. I ask him how he does it.

Listen in all the usual podcast places, or here: http://ow.ly/tOXE50L7Gax