Blog

Our advisers and support team are here to help you, every step of the way.

Tax James Cruz Tax James Cruz

Never too early to be tax ready

It’s really important to consistently focus on how to improve your personal finances, and there’s nothing like a deadline and the end of the financial year (EOFY) to aim for when it comes to tax planning.

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Market update James Cruz Market update James Cruz

Economic outlook

Economic growth of a meagre 0.2% last quarter, more than 770,000 Australians unemployed, paltry wages growth and a flailing sharemarket – is Australia going to be OK or could we be heading for a recession?

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Insurance James Cruz Insurance James Cruz

Can you afford not to be protected?

If you travel, especially overseas, you know the importance of travel insurance – lost luggage anyone? And if you have a car or motorbike then you know it’s a no brainer to insure your wheels. But there are other kinds of insurance even if you’re young, single and healthy today that are important to help you protect your lifestyle and independence.

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Superannuation, SMSF James Cruz Superannuation, SMSF James Cruz

How to avoid an SMSF tax penalty

The Australian Tax Office (ATO) has recently changed the way it assesses income earned by assets paid for by a Self Managed Super Fund (SMSF) borrowings. In some cases, income earned by assets in this category will be treated as non-arm’s length and won’t qualify for the tax concessions available within super.

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Property James Cruz Property James Cruz

Is property still a good investment

Investment properties in Australia are being hit by falling rental earnings. So is it possible to still make money from investment properties? We consider the challenges and opportunities of the current Australian property market and how to navigate both.

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Financial advice James Cruz Financial advice James Cruz

The greatest gift of being a Financial Planner

The plight of a cancer sufferer may seem hopeless but the fight that I saw in this family showed a resolve that is captured in adversity. I mean real adversity. Not a market fluctuation where your capital drops by 20% or changes to legislation which means you may have to pay some tax. The realisation that nobody believes you can survive a terminal illness. 

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