Exploring Limited Recourse Borrowing Arrangements (LRBAs) for Self-Managed Super Funds (SMSF) Self-Managed Superannuation Funds (SMSFs) are often seen as a powerful way for individuals to manage their superannuation, giving them control over investments like property. Thanks to changes in superannuation laws, SMSFs can now borrow money to purchase property through Limited Recourse Borrowing Arrangements (LRBAs)....Read More

Superannuation is an essential aspect of retirement planning in Australia. It acts as a long-term savings system to ensure individuals have adequate financial support after they stop working. The Australian superannuation system mandates employers to contribute to their employees’ super funds, providing a safety net for the future. For those seeking more autonomy over their...Read More

As we step into the final quarter of 2024, various economic trends are shaping the landscape for investors and businesses alike. This October market update highlights key economic indicators, trends, and potential challenges to watch in the coming months, providing valuable insights for strategic decision-making. 1. Interest Rates and Inflation In response to ongoing inflationary...Read More

There are plenty of ways to get our household finances in order, save for retirement and enjoy life. While some are free, financial planning is an option that typically comes with a fee.  The average cost of a financial plan is $3,300 when it’s set up, according to the Financial Advice Association Australia (FAAA). That cost rises...Read More

GLOBAL MARKET WRAP The S&P 500 fell 11pts yesterday to close 0.2% lower at 5,597, as index took a breather after an eight-day recovery rally. The Energy sector was the weakest performer (-2.7%). The US 10-year treasury yield fell 6bps to 3.81%, while the US Dollar contracted 0.4% $101.4410.   LOCAL MARKET WRAP The ASX...Read More

Planning for retirement is a lifelong pursuit with profound implications for the quality of life in our later years. Two crucial aspects of this journey are SMSF (Self-Managed Super Fund) retirement planning and broader financial planning. In this blog, we will explore the SMSF retirement and financial planning process for retirees, investors, or financial planners,...Read More

Transitioning from the working world to retirement marks the beginning of a new chapter that demands thoughtful preparation and investment strategies tailored just for you. With Smart Financial Advisory, you’re navigating these waters with local experts who intimately understand SMSF retirement financial planning. Our extensive experience guides many Melburnians from the early phases of setting...Read More

Retirement is a significant milestone in life. Regardless of the age at which you decide to retire, careful planning is essential to ensure a comfortable and secure future. In Australia, where the retirement landscape is evolving, having the right retirement planning advisor by your side is crucial. Let’s explore the importance of professional guidance in...Read More

As a business owner or entrepreneur, you know the importance of planning and forming a strategy for long-term business success. But have you given the same level of thought to your retirement? As we enter 2024, it’s crucial to consider securing your financial future and maximising retirement. Establishing a Self-Managed Superannuation Fund (SMSF) is the...Read More

Selecting the right super fund is essential to streamline your finances. Your choice of super funds is vital in securing your retirement and financial stability in later years. With numerous options available, each offering unique features and benefits, making an informed decision is crucial. Let’s delve into the intricate world of superannuation and go through...Read More