Simone Richardson

Wealth Adviser

The Trump Tremors?


Despite most polls showing Mrs Clinton likely to win, there has been a great deal of speculation that the polls might be wrong.

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Proposed changes mean you probably won’t have enough super to have a comfortable retirement

Super contributionsThis morning I listened to Federal Member for Kooyong Josh Frydenberg explain the purpose of superannuation. It seems we share the same understanding that its purpose is to provide savings for retirement. However this seems to contradict the changes proposed to superannuation by the Government in Tuesday night’s Federal Budget, which make it difficult to build enough savings to even achieve a comfortable retirement.


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What we can learn from the rise of Donald Trump


Just to clarify… the Republican front runner is a media-savvy, “self made” billionaire property developer, reality TV star and, the other one is the “still-in-the-game” independent, fist-pumping, self-described democratic socialist.

These are, in the medias opinion, the most likely US Presidential candidates? Seriously?

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Important changes for SMSF trustees

shutterstock_150490757SMSF fund trustees who use the services of accountants need to ask them what licensing arrangements they will have in place from 1 July. From 1 July the door shuts on the “accountants’ exemption”; the exemption that allows accountants to start and close a fund without a financial services licence.  From this point your accountant will need to hold a limited financial services licence to provide services for SMSF trustees outside of the provision of just accounting services.

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The unintended consequences of negating negative gearing

shutterstock_251435293 (1)The debate about removing negative gearing has been reignited as Bill Shorten announced Labor’s decision to put forward changes to this policy at the next election. It’s been long debated that the tax-advantages of negative gearing increases demand and in turn residential property prices, making it more difficult for first home buyers to enter the market. By removing these tax concessions it’s expected demand for residential property investment should reduce and put downward pressure on prices.

But is it really that simple?

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Global energy markets and the future for investing

shutterstock_129796262Last week in Paris the global climate change conference adopted an international accord aimed at transforming the world’s fossil fuel-driven economy within decades and slowing the pace of global warming to well below 2oC.

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Early onset dementia; how the aged care system is letting young people down

Freemantle Dockers players Luke McPharlin (left) and Antoni Grover tackle Brisbane Lions player Jonathan Brown which resulted in a serious head injury during the round 1 AFL Brisbane Lions v Fremantle Dockers match at the Gabba, Brisbane, Saturday, March 26, 2011. (AAP Image/ Patrick Hamilton) NO ARCHIVING, EDITORIAL USE ONLY

Earlier this year a U.S. District Judge approved a deal providing up to $US1 billion to retired NFL players suffering from dementia. The NFL expects 30% of its retired players to suffer from Alzheimer’s disease as a likely result of repeated head trauma incurred during their playing career.

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When life gives you lemons…

shutterstock_204652387Recently we saw the very poignant Carrie Bickmore share her experience of losing her husband to brain cancer, in the bid to raise awareness for what is the leading cause of cancer death in young people.

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The countdown is on!

shutterstock_242500366June is upon us once again! It’s time to make sure your tax affairs are in order and any important decisions are made and acted upon before 30 June. Some key things to consider:

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What does an interest rate cut really mean to you?

shutterstock_77491630shutterstock_77491630If you have a mortgage (or two), own a business, invest your hard-earned savings or are a self-funded retiree, the decision made every month by the Reserve Bank of Australia (RBA) Board affects you in some way.

With interest rates at historically low levels, thousands of mortgage holders are able to pay off their homes faster; but interest rate movements mean different things to different people. Continue reading

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