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Helping you grow wealth, protect your income, and gain financial clarity - one smart decision at a time.

Financial Advisers based in Perth and Brisbane,
Advising Clients Australia-wide

02/09/2026

𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝘀𝘂𝗽𝗲𝗿 𝘀𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲?
Average super balances are one of the most misleading benchmarks. They ignore your goals, spending and future needs, creating a false sense of security. Here is how I calculate exactly where I need to be at every decade.
https://www.firstlinks.com.au/how-much-super-should-you-have

01/09/2026

𝗥𝗲𝘁𝗶𝗿𝗶𝗻𝗴 𝗳𝗿𝗼𝗺 𝘄𝗼𝗿𝗸 𝗶𝘀 𝗲𝗮𝘀𝘆, 𝗿𝗲𝘁𝗶𝗿𝗶𝗻𝗴 𝗶𝗻𝘁𝗼 𝗹𝗶𝗳𝗲 𝗶𝘀 𝗵𝗮𝗿𝗱𝗲𝗿
Most people spend decades planning how to retire. Far fewer plan for what comes next. The biggest retirement challenge isn't always financial, and it often catches even the most prepared retirees completely off guard.
https://www.firstlinks.com.au/retiring-from-work-is-easy-retiring-into-life-is-harder

31/08/2026

𝗥𝗶𝗴𝗵𝘁 𝗮𝘀𝘀𝗲𝘁 𝗰𝗹𝗮𝘀𝘀, 𝘄𝗿𝗼𝗻𝗴 𝗶𝗻𝗱𝗲𝘅: 𝘁𝗵𝗲 𝘁𝗿𝗮𝗽 𝗶𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝘀𝗺𝗮𝗹𝗹 𝗰𝗮𝗽𝘀
Most Australian portfolios are concentrated in large caps, with relatively little exposure to smaller companies. But what if the biggest risk isn't the economy, interest rates or valuations? For many, the risk is hidden in plain sight.
https://www.firstlinks.com.au/right-asset-class-wrong-index-the-trap-in-australian-small-caps

30/08/2026

𝗔𝗿𝗲 𝘁𝗵𝗲𝘀𝗲 𝗮𝘀𝘀𝗲𝘁𝘀 𝘁𝗵𝗲 𝗺𝗶𝘀𝘀𝗶𝗻𝗴 𝗽𝗶𝗲𝗰𝗲 𝗶𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼𝘀?
Many investors remain concentrated in shares, cash and property. Despite their popularity among institutional investors, real assets remain underrepresented in many SMSF portfolios. Could they be the missing piece?
https://www.firstlinks.com.au/are-these-assets-the-missing-piece-in-australian-portfolios

29/08/2026

𝗧𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗿𝗶𝘀𝗸 𝘁𝗵𝗮𝘁 𝗯𝘂𝘆-𝗮𝗻𝗱-𝗵𝗼𝗹𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗶𝗴𝗻𝗼𝗿𝗲
Investors spend decades learning how to stay invested, yet few have a plan for getting out. When a financial goal has a hard deadline, a worked example shows why a fixed derisking schedule should outrank buy-and-hold discipline.
https://www.firstlinks.com.au/the-biggest-risk-that-buy-and-hold-investors-ignore

28/08/2026

𝗛𝗼𝘄 𝗽𝗮𝘀𝘀𝗶𝘃𝗲 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗶𝘀 𝗱𝗿𝗶𝘃𝗶𝗻𝗴 𝘁𝗵𝗲 𝗱𝗲𝗰𝗹𝗶𝗻𝗲 𝗼𝗳 𝗮𝗰𝘁𝗶𝘃𝗲 𝗳𝘂𝗻𝗱 𝗮𝗹𝗽𝗵𝗮
Why have active managers struggled as passive investing has surged? Research suggests that flows into index funds and ETFs are creating structural headwinds, penalising the stock-picking strategies that once generated alpha.
https://www.firstlinks.com.au/how-passive-investing-is-driving-the-decline-of-active-fund-alpha

27/08/2026

𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝗙𝗶𝗿𝘀𝘁𝗹𝗶𝗻𝗸𝘀 𝗘𝗱𝗶𝘁𝗶𝗼𝗻 𝟲𝟳𝟱 𝘄𝗶𝘁𝗵 𝘄𝗲𝗲𝗸𝗲𝗻𝗱 𝘂𝗽𝗱𝗮𝘁𝗲
Renowned investor Ray Dalio's recent birthday celebration in a nightclub has me reflecting on the expectations we attach to every stage of life. How definitive are the rules to ageing well?
https://www.firstlinks.com.au/welcome-firstlinks-edition-675

26/08/2026

𝗪𝗶𝗹𝗹 𝘆𝗼𝘂 𝗿𝘂𝗻 𝗼𝘂𝘁 𝗼𝗳 𝗺𝗼𝗻𝗲𝘆 𝗶𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁?
Fear of running out has become a defining retirement anxiety. Why do some retirees die with substantial wealth while others deplete their nest egg? Evidence suggests the answer is more complicated than we think.
https://www.firstlinks.com.au/will-you-run-out-of-money-in-retirement

25/08/2026

𝗧𝗵𝗲 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝘁𝗵𝗮𝘁 𝘀𝗶𝗱𝗲𝘀𝘁𝗲𝗽𝘀 𝘁𝗵𝗲 𝗻𝗲𝘄 𝘁𝗮𝘅 𝘁𝗿𝗮𝗽𝘀
Tax rules have changed, but many investors are still using yesterday's strategies. Insurance bonds may offer advantages for those seeking greater control, tax efficiency and certainty about their wealth.
https://www.firstlinks.com.au/the-investment-that-sidesteps-the-new-tax-traps

24/08/2026

𝗧𝗵𝗲 𝗿𝗼𝗹𝗲 𝗼𝗳 𝘀𝗵𝗮𝗿𝗲𝗵𝗼𝗹𝗱𝗲𝗿 𝘆𝗶𝗲𝗹𝗱 𝗶𝗻 𝗮 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼
Investors may be overlooking a timeless source of returns in a volatile market. The companies that consistently generate and return cash to shareholders have often proved remarkably resilient through uncertainty.
https://www.firstlinks.com.au/the-role-of-shareholder-yield-in-a-portfolio

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