ACG Financial Planning

27/08/2026

Whilst investments are important, it is not the be all and end all. There is no much more to financial advice.

19/08/2026

A new class of financial planner is being proposed. The new class of financial planner will have different requirements for "simpler" advice. I can tell you through over 20 years of education training and experience there is nothing simple helping someone with their future life. Government says it's too costly for the public to get objective in person help yet the government are the ones imposing additional costs on the 15000 licensed financial planners (predominantly small businesses) in the country.

Much of what I and others do though is just as much about building a relationship with our clients. The person you talk to, is the one who answers your email and is the one providing the advice, and the one who will see you at home, amongst everything else.

Feel free to call 0432 442 722 if you have questions.

Superannuation funds will get expanded powers to “advise members”, but the assistant treasurer has flagged they will face capital rules similar to those for banks.

10/08/2026

The world is becoming less personal. Less in person help, less understanding of you and your needs, and more general solutions which can lead to worse outcomes. We only need to read and listen about all the scams going on which are causing lots of Australians to lose a lot of money. It's scary to be honest.

ACGFP is a boutique high touch business, that means sitting down belly to belly, in your home, around the kitchen table......maybe with cuppa in hand too 🫖 By having a working relationship with a licensed financial planner means you get to see a person who will understand you, your family, your goals, where you are at now and what you need to do to get to where you want to be.

If you wish to understand more about what's involved feel free to reach out.

- Adam

10/07/2026

Was a bit chilly today, seeing clients right across the state.

07/07/2026

Why do I need to see a financial planner for?

​The need for financial advice is driven by a need, and in years gone by everyone sought the services of a financial planner to give them a product, this alone was meant to change everything.

Products alone do not help anyone. Sure they are important, but what changes someone's situation are behaviours (understanding where you are now, what you want in the future and what you need to do in order to get there).

The whole idea about planning is that there are no surprises, in good times and bad.

What is a life event?

13/06/2026

Look forward to being part of the 2026 Positive Aging Expo on the 23rd June from 10 - 3 @ Plenty Ranges Arts and Convention Centre, 35 Ferres Blvd, South Morang City of Whittlesea

Join us for the 2026 Positive Ageing Expo and World Elder Abuse Awareness Day (WEAAD), a combined community event celebrating positive ageing and promoting respect and dignity for older people.

27/05/2026

On the road again...........seeing people, in person, across Victoria.

07/05/2026

The person you meet will be the one who talks to you on the phone, who responds to your email, who sends a text message, and most importantly the one who provides you with advice and will be there for you during the good times and bad. To find out more give me a call.

02/04/2026

Using history as a guide, there will always be something to cause a sharemarket reaction (good and bad). Being emotional is natural when there is bad news in particular. That being said, in good times and bad, have a robust plan in place, catered to your own situation and stick to it. Markets are generally more positive than not over longer periods of time.

Some of the biggest moments in history (there could be more):

- 1910/1920: World War 1, Flu
- 1920/1930: Hyperinflation, stock market crash
- 1930/1940: Depression and mass unemployment
- 1940/1950: World War 2
- 1950/1960: Cold War, Korean War
- 1960/1970: Vietnam War
- 1970/1980: Oil Crisis, stagflation and recession
- 1980/1990: Iran/Iraq War, African famine, AIDS
- 1990/2000: Gulf War, Bulkans War, Rwanda
- 2000/2010: 9/11, Bali, Afghan War, Global Financial Crisis
- 2010/2020: Grexit, Brexit, President Trump, China/US Trade War
- 2020/Present: Covid 19, Crypto, Tariff War, Oil Crisis

18/03/2026