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http://www.gurneyfinancialservices.com.au/

Gurney Financial Services, 24 Nangar Street, Woongarrah (2026)

02/09/2026

Retirement

What do you want in retirement?

What will be your purpose in retirement?

What will be your lifestyle in retirement?

What goals do you wish to achieve in your retirement?

How much will you need?

Did you know that medical and health expenses in retirement on average are

Single $5,880 per year

Couple $11,082 per year

Out of pocket expenses per person in medical costs per year is over $1000.

Have you budgeted for this? Would you like to learn more or sit down for a cuppa and chat about your retirement. Give us a call on 43963007

02/09/2026

Reflections on Investment

The art of investing leans heavily on common sense, which acts both as a prop, and as a hindrance to the learning process.

In compiling, we have reflected on the patterns of our own experience, and on the common idiosyncrasies.

Identification of errant pattern may result in more refined pursuit of the art, Kerr Neilson.

1. Global Event

Instant communicator and easy access to information have turned investing into an open competition.

All can participate and a great many dos, so be sure to access what edge you bring to the process.

2. Play for Gain

Unlike art, shares need to be purchased with mercenary intent.

Are you sure the company is worth more than its current price?

3. Mistaken Equation

A good company doesn’t necessarily make a good investment.

It’s all about the price you pay.

4. Noise Factor

The loudest and the most recent information clouds our judgement. - even professional fall for it.

How do you correctly weight what you see and hear?

5. Closer Inspection

Ever found yourself misjudging someone on the first impression?

Stocks are the sane - take a careful look before you leap to a conclusion.
6. Expert Opinion

If you have your own money to invest, you are the expert - good investing is about good sense.

Only with reluctance should you concede to the “superior knowledge” of the so-called expert.

7. Simple Pleasures

There is time when great investment opportunities are as plain as they appear.

We tend to expect complexity, so we find it hard to accept that the market sometimes throws up extraordinary bargains.

Don’t look a gift horse in the mouth.

8. Dollar Cost Averaging

Shoes that don’t fit are never a bargain, not even at a sale.

Do you really want to top-up a holding just because the share price is down?

9. Unique Insight

When contemplating a share, literally ask yourself “what do I see in this company that others have failed to notice”?

10. Art of Deceit

Politicians are adept at claiming credit for work done by their predecessors, r even for plain good luck.

Share markets can be deceptive too, with similar consequences - the truth ultimately prevails.

11. Unrequited Love

Whenever we get too attached to a stock, we risk ruin.

Save you love for the human race - stocks are just chattels, unworthy of your noble feelings.

12. Drawing Lessons

In the business of investing, failures are our best teacher.

How can we hope to improve our game if we forget our past plays?

13. Know Thyself

Somme of us would love to be investors - what holds us back is temperament.

We can’t change who we are, but we can learn to anticipate our behaviour and keep our impulses at bay.

14. Foul Moods

When you feel down, don’t take it out on stocks.

Recollect the beauty you first recognised. If all of it has truly gone, then dispose of your once certain, long-term investment partner.

15. Investment Tips

Hot tips are no better in the share market than they are at the racetrack.

They are best treated worth suspicion - what does your tipster know that other people don’t? Like much free advice, tips mat be a dubious value.

16. Random moves

The underlying value of businesses changing slowly, yet share prices gyrate daily.

This apparent contradiction results from the undue weighting of recent events.

17. Investing by Numbers

Charting may be helpful to observe patterns of accumulation and distribution, but you’re not gaining any knowledge that isn’t available to everyone else.

There is no substitute for a thorough appraisal of a company’s worth.

18. Fashion Victim’s

Life without fashion would be rather dull.

The share market merrily embraces fashion too, but it’s cruelly fickle. Following the latest fad often proves lethal.

19. False Comfort

Do you find that your devotion to a share rise with the ascent of its price?

The endorsement of the crowds and confirmation of your wisdom may be pleasing, but don’t let that distract you.

20. Herd Instinct.

Euphoria sweeps Redon aside when the market bolts.

Resist the temptation to overstay the party and you’ll avoid the hangover.

21. Road to Ruin

A sure recipe for failure in the stock market: hold on to your losers in the hope of recovery snd sell your winners to take the profits.

22. Think Big

When your buy a stock, you become part-owner of a living organism.

“Your” company is a team of people with certain leadership, values, energy, and personality. You need to understand what makes it tick, rather than focus on numbers alone.

23. Get Rich Slowly

It makes a great deal of sense to compound wealth steadily rather than going for bust.

Wouldn’t you rather be sure of a good result than hopeful of a great one?

24. Sweeping Judgements

Great opportunities can be lost through bland generalisations.

Look beyond the obvious - gems can be found in surprisingly barren ground.

25. Food For Thought

Using the finer points of investing is one thing, putting it into effect is another.

From Platinum Investments

31/08/2026

Portfolio Construction – The lessons we learnt for the GFS

• Need to look at long term
• What is your perception of risk?
• What is the client’s perception of risk?
• Understand the risks of SAA and TAA strategies
• Risk profiling needs to be looked at to ensure the client’s understand their risks
• Educate clients of the markets
• Educate the clients on the different risks, classes and volatility
• The average balance option clients have 60% of equities (risk)
• Are the options flawed or adviser picking options
• People are over pessimistic now. They need to relax and leave till retirement
• People will be ok over time and education
• What is a balanced outcome?
• Weighing up preferences and decisions in investing
• Accumulators – need to grow their wealth – long term, higher risk strategies
• What are the goals for retirement – because that’s what we need to save for
• Never can get rid of all the risk
• Understand the objectives of the client’s
• Understand the client and their risk
• Financial modelling- look at what the client’s earn, spend, events in their lives, lifestyles, and what is at the end
• Look at the right expectations
• Start at the end and work backwards.
• Smart tax planning can be added in
• Smart insurances to protect them and their wealth
• Start savings earlier into super, even if $10 a week.
• Revisit your strategic asset allocation
• Diversify your strategies.

Is your portfolio working for you?

Give us a call for a complimentary initial appointment on 43963007

30/08/2026

Why work with a Christian Financial Planner?

Many of you may or may not know, but I am a Christian Financial Planner.

I believe being a Christian helps me serve others better, through faith, love, kindness, and patience.

I thought I would share why you should consider collaborating with a Christian Financial Planner.

Firstly, here is a well-known Bible verse about money and priorities:
“For the love of money is a root of all kinds of evil, for which some have strayed from their faith in their greediness, and pierced themselves through many sorrows.”
— 1 Timothy 6:10

This verse does not say money itself is evil—it warns about loving money too much and putting it above everything else.

“Faithful Stewardship: Why Work with a Christian Financial Planner?”

“He who is faithful in what is least is faithful also in much: and he who is unjust in what is least is unjust also in much”
— Luke 16:10

“The earth is the Lord’s, and all its fullness, The world and those who dwell therein.”
— Psalms 24:1

Key point: We are managing God’s resources, not just building personal wealth.

What Makes a Christian Financial Planner?

It is not just belief—but behaviour.

A Christian financial planner should:
• Act with integrity and honesty.
• Avoid greed and exploitation.
• Give advice aligned with biblical values.
• Encourage generosity, not just accumulation.

“Better is a little with righteousness, Than vast revenues without justice.”
— Proverbs 16:8

Why Clients Should Choose a Moral and Ethical Financial Planner

✅ 1. Trust and Integrity
Clients need to know advice is not driven by commissions or self-interest.

“The integrity of the upright will guide them”
— Proverbs 11:3

Message: Ethical planners put people before profit.

✅ 2. Alignment with Values

A Christian planner helps clients:
• Avoid investments that conflict with their beliefs.
• Make decisions consistent with their faith.

This creates peace—not just profit.

✅ 3. Focus on Stewardship, Not Just Wealth

The goal is not “more money”—it is wise use of money.

“Moreover, it is required in stewards that one be found faithful.”
— 1 Corinthians 4:2

✅ 4. Encouragement of Generosity

A Christian planner may help clients:
• Budget for giving.
• Support charities or ministry.
• Leave a legacy.

“I have shown you in every way, by labouring like this, that you must support the weak. And remember the words of the Lord Jesus “It is more blessed to give than to receive.”
— Acts 20:35

✅ 5. Long-Term, Eternal Perspective

Not just retirement—but legacy and impact.

“Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth or rust destroys and where thieves do not break in”
— Matthew 6:20

Practical Benefits (Not just Spiritual)

A good Christian financial planner can help with:
• Budgeting and debt reduction
• Investing wisely
• Planning for retirement
• Reducing financial stress
• Creating a clear plan aligned with life goals.

Key point: Faith + professional expertise = better decisions.

Money is a tool—not the goal.

A Christian financial planner helps people:
• Honour God
• Make wise decisions.
• Live with peace and purpose

His lord said to him, “Well done, good and faithful servant; you have been faithful over a few things, I will make your ruler over many things. Enter into the joy of your lord”
— Matthew 25:23

“Choosing a financial planner isn’t just a financial decision—it’s a spiritual one about who you trust to help guide your stewardship.”

Give our office a call if you would like a complimentary initial appointment on 4396 3007

29/08/2026

Ten Ways to make the most of your super – helping you live well in retirement. (From MLC)

1. Take Stock
Make sure you track down any ‘lost’ super and consolidate multiple accounts into one to reduce fees and paperwork. Log into your MyGov, go to Tax, then Super tab.

2. Go for Growth.
Retirement is generally a long-term goal, so consider investing your super in assets that have the potential for higher long-term returns (such as shares and property).

3. Stay the course.
Only switch into another investment option if there is a change in your goals, time horizon or risk tolerance. Switching options in response to short-term market performance can be wealth destroying.

4. Invest more.
Investment earning in super are taxed at a maximum rate of 15% and no tax is payable when you receive your benefits at age 60 or over.* There may also be some ‘up-front’ tax incentives for making additional contributions.

5. Sacrifice some of your income.
By getting your employer to contribute some of your pre-tax salary directly into super, you could make a net tax saving of up to 31.5%. †

6. Qualify for a co-contribution.
If you make a personal after-tax super contribution of $1000, you may qualify for a Government co-contribution of up to $1,000.00. †

7. Make deductible contributions.
If you’re self-employed or substantially self-employed and you contribute to super, you may be eligible for tax deduction that can be used to reduce your taxable income. †

8. Purchase insurance through super.
Life as well as total and permanent disability insurance, taken out through a fund, could be up to 46.5% cheaper – on an after-tax basis – when compared to insuring outside super.

9. Rollover to an income stream.
If you rollover your super to an income stream when you retire, you will pay no tax on investment earnings, income payments will be tax-free at age 60 and over*, and you may qualify for additional Age Pension benefits.

10. Seek advice.
If you’re serious about securing your financial future, you should speak to a financial adviser. They can help you to set clear goals and implement a range of clever strategies (within and outside super) to help make your dreams a reality.

* This measure applies to complying taxed super funds but no untaxed funds (such as certain government or public sector schemes.)

† Certain conditions need to be met to qualify for these tax benefits. See your adviser for more information.

This is general information only. For personal and individual advice please speak to your financial adviser or give us a call on 43963007 for a complimentary appointment for new clients

28/08/2026

Setting your financial Goals.

Financial goals are different for each investor. Whether you are preparing for retirement or just entering the workforce., your financial adviser is there to help you determine your goals and secure the future you want for you and those close to you.

Lifestyle goals

education and career goals

Bequests and donations

Financial independence

Peace of mind

Certainty of income

Cash for emergencies

Maintain purchasing power

Grow your wealth

Establishing clear goals is a critical step in determining the right investments to help your build your wealth and achieve your desired outline, while managing the various risks and pitfalls along the way.

Thanks to the growth and innovation that has taken place int he financial services industry over the past decade, along with new developments in financial technology, investors now have access to a wide range of investment product’s and solutions that give them more control over their financial destiny

Give us a call at GFS to discuss further 4396 3007

27/08/2026

Retirement solutions

How long should you work?

Do you need to know what your balance is at 65?

How much can you spend without running out of money?

What if the rules change?

What about inflation protection?

What if I live to be 100?

How do you protect me against another GFC?

Can you deal with aged care costs?

How much extra money should I put in?

Give us a call to discuss your financial future. 4396 3007

26/08/2026

Your Financial Plan is only as good as its cover

Most people agree that they are organised and have their family’s budget up to date. However, the process they use is generally simple and down-to-earth – it is unlikely to of a long-term financial solution.

What does financial planning look at -
• The best method to create wealth over the long term – for you and your family – is to look at different aspects. These include budgeting, superannuation, insurance and investments.
• To avoid confusion, we recommend the right place to start is with a licensed financial adviser.
• Your financial adviser can implement strategies for you and your family. These will create, protect and build a succession plan of the wealth. They are the building blocks of a plan that stands the test of time.

Why have wealth protection strategies?

Financial planning is more than just about saving money. It is also about managing future risks.

The common belief “It won’t happen to me” results in many people having a south plan for wealth creation – but not an adequate plan to protect the very things that generates the wealth – themselves!

It is worth remembering that no matter how much expert advice you receive or how astute the money management – your financial plan cannot prevent the risk of you suffering early death or extended time off work through serious illness or injury. In addition, where that leaves you and your loved ones in the future depends on the wealth protection strategy you have in place at the time.

At Gurney Financial Services, we believe that you should protect your wealth whether you are starting a new job next week or moving into a new family home next year. The underlying fundamentals are the same – protection plays the pivotal role between the creation and succession of your wealth.

Creation Of Wealth – is about making your money grow and keep your plan up-to-date. To make sure the pieces are skilfully put into place for your family, it is a good idea to link up with a professional financial adviser.

Your adviser will work with you to:
• Identify what type of lifestyle you want and when you want to achieve financial independence.
• Make a saving commitment the will help you reach your goals, yet is affordable enough to maintain your lifestyle.
• Develop a strategy to build your retirement nest egg.

• Create a portfolio of investments that reflects the risk level and potential returns you desire.
• Seek opportunities that are tax effective.
• Review your plan regularly. Updated annually or when your circumstances change. This way you will always be able to take advantage of your family’s changing situation and goals, as well as differing economic or legislative environments, and new products or services

Protection of Wealth is about protection you assets and making your financial plan secure for you and your family in the long term.

Your financial adviser should look at the whole picture – your needs, wants, and desires – to ensure your treasured plan is covered by a sound insurance strategy that:
• Protects you, your family or your business against a range of uncertainties.
• Supports you and your loved ones in the event of disability, illness or premature death, so that:
• Your mortgage or debts can be paid out
• Lost income is replaced
• Capital is available to continue funding your investments
• An income stream is provided so that your lifestyle, and your family’s, can be maintained.

Succession of Wealth is about picturing what is important, realising your goals and properly managing your future, as well as your families.

Your financial adviser will help you decide on the best way to structure your financial plan, to enable you and your family to:
• Control your accumulated wealth.
• Maximise income during your retirement years.
• Implement estate planning and business succession strategies.
• Provide efficient, tax-effective transfer of assets.
• Reinforce your family’s sense of security and certainty.
• So what level of cover do you need?
• Use this simple guide to weigh up how much life insurance you might need to adequately protect your wealth.

Naturally, it is best to discuss this fully with your financial adviser to get a professionally balanced assessment of your coverage requirement. As a basic guide, you need to take into account the rising cost of living and other miscellaneous expenses, which you may incur.

What are the risks? Is your financial position, enough for you to be able to stop working tomorrow? While most people are not in a position of such luxury, the death or disability of a breadwinner could have you pondering this very question.
If your income stops, it can have devastating results for your financial plan and can jeopardise your family’s future financial security.

The unfortunate aspect of death or disability is that it can happen at any time and has more far-reaching consequences than just the person involved has.

Finding the right cover

Your financial plan will be created especially for you and your family – to keep it working over time; you need a cover that fits perfectly.

To unlock the right combination of insurance products on offer, you should ask your financial adviser to explain their benefits, pricing and reliability…..and then consider the insurance provider’s reputation.

Give us a call for a complimentary appointment 43963007

25/08/2026

Living Wills - and their role in Estate Planning

There can be few situations as distressing as the need to make hard decisions about the end of life of a loved one. When life can no longer be preserved, at what point should measures to prolong that life cease?

When distraught family or friends face this dilemma, making decisions about whether to withhold or withdraw life support are clouded by emotion. It's difficult to always consider the choice the patient would want family, carers, and health professionals to make. This is where a Living Will can make an important difference to a quality outcome for clients and their families.

What is a living will?

While most people are familiar with the purpose of a Will (which sets out a person's wishes in the event of their death), the concept of a Living Will is less widely known or understood. Sometimes called an Advanced Care Directive (ACD), a Living Will details an individual's wishes in relation to their medical treatment decisions in the case of serious illness or accident. Such wishes might include that individual's attitude toward:
• resuscitation if their heart stops beating.
• life-extending treatments such as artificial breathing and feeding.
• being able to die in their own home (where practicable).

A Living Will (which can work in tandem with a Power of Attorney, as explained below) can be shared with their family or carer, as well as health professionals, and removes the burden of making tough decisions from caregivers. It can also be included in the new Personally Controlled Electronic Health Record (PCEHR), which can be accessed by healthcare professionals around Australia.

Pros and Cons

On the face of it, a Living Will seems a logical addition to the estate planning toolkit. It can:
• ensure that the wishes of the individual are known.
• allow religious and cultural requirements to be observed.
• provide guidance to healthcare professionals.
• help family members with a difficult decision at a time of emotional stress.

There are a few challenges however, not least that there are no uniform requirements when it comes to making a Living Will. A 2013 analysis by Choice magazine1 - who consulted with the Australian Law Council and the Australian Medical Association - found there was no national legal definition of Advanced Care Directives, and only South Australia, Western Australia, Victoria and Queensland have specific laws pertaining to them, and the validity in one state of a Living Will made in another is legally an uncertain area (the WA Department of Health2 answers this question by simply saying ‘it depends on the laws of that particular state or territory’.)

Another issue is that no one can predict future medical advances and the effect they will have on specific conditions, meaning these can't be considered by a Living Will made today, potentially limiting an individual to an unnecessary outcome.

The Bigger Picture

Estate planning is a critical component of any financial plan - as well as accumulating assets and supporting oneself in retirement, it's important to determine what happens to those assets -and the client - once that client is incapacitated or dies.

In tandem with a Living Will, a client would typically put in place a Medical Power of Attorney, granting a specific individual the power to ensure the directives expressed in the Living Will are followed.

Other elements of estate planning should include:
• Making a Will - whether using a will kit or having a will drawn up by a solicitor
• Binding Superannuation death nominations - these binding nominations take precedence over nominations made in a will for superannuation monies, so it’s important not to assume that the will covers everything.
• Testamentary trust - these are generally set up to protect assets in situations where the beneficiaries are minors or have diminished mental capabilities.
• Powers of Attorney - these vary from state to state and generally cover financial, legal, and medical affairs in a situation where the individual is incapacitated or unable to make their own decisions.

Gurney Financial Services

02/09/2026

02/09/2026

31/08/2026

30/08/2026

29/08/2026

28/08/2026

27/08/2026

26/08/2026

25/08/2026

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