Facebook changes

What do the Facebook changes mean for your business? Facebook changes may have cut traffic for your business. And have you noticed now, it also limits who sees your personal posts. Some of us may not care. Some will care a lot!   For business, the controversial Facebook changes made to its feed this year have…


Age Pension / Superannuation / Retirement

FOUR new Government measures proposed to address Age Pension / Superannuation / Retirement due to longer life expectancies. One of the focuses of these changes is helping retirees prepare financially for a longer and more secure life. It is in response to increasing life expectancies for Age Pension / Superannuation / Retirement. As a result, the…


Business Finance Adelaide

Business finance in Adelaide has helped thousands of self employed and small to medium sized businesses successfully diversify with simple and smart business loans. There is an alternative lending market opportunity in Australia, and FMG Wealth Strategists is here to help.   Business Finance Options Australia’s 2.2 million small businesses are the lifeblood of our…


Succession Planning for Business

What 6 key aspects do you need to know about succession planning for your business? Succession planning describes the process of a business owner transitioning out of their business. Having a plan is essential to ensure the right option is chosen. Along with ensuring the relevant steps are taken to achieve your desirable outcome. There are…


Cashflow and Debt Solution

Our Cashflow and Debt Solution NOW Makes it Easier For You Managing your money has now been made easier with our Cashflow and Debt Solution program. Your personal Cashflow and Debt Solution ‘made easy‘ program is here. In this program we are going to show you how to make the best choices you can with the…


Investing – Active v Passive

Active investing is generally more expensive and passive investing may appear more simple but investors should consider their goals before deciding. The discussion around index investment strategies or active and passive investment strategies is more complex and investors should consider their long-term goals when deciding which path to take rather than matters of ease and…


What’s your Wealth Imprint (Thermostat)?

How does your wealth imprint affect your ability to accumulate the amount of wealth you want to achieve during your lifetime?

“Why is it that we constantly see the majority of lottery winners and recipients of inheritances end up where they started some 18mths to 2 years later and in some cases worse off? You see we all have something called a Wealth Imprint or in simple terms a ‘Wealth Thermostat’ and our wealth imprint tolerance oscillates at approximately 10% above and below this individual imprint line. The line indicates where your current inner and most often ‘subconscious wealth value’ is positioned.


Long Term Investing update

Credit Suisse has released their annual investment returns yearbook which is always a good reminder of the benefits in taking sensible long term views on investing. The one thing that always strikes me when I read this report is how well Australia fares in terms of long term performance of our share market, which as…


Listed Property for both Australia and Globally top of the asset classes

According to Vanguard’s 2016 Index Chart Australian Listed Property recorded a 24.60% return just in front of Global Listed Property with 20.40% return this last financial year.

In fact Listed Property Asset Classes for both Australia and Globally have recorded double-digit growth over the last 2 years. In the last 5 years only US and International Shares together with Listed Property achieved double-digit growth looking at the Vanguard Index Chart below.


Wealth Protection Case Study 4 – Treat Beneficiaries Equitably

If you have a family business, you should consider using Life insurance as part of your broader succession planning.

What are the benefits?

By using this strategy, you could:

  • provide additional funds to equalise your estate in the event of your death, and
  • ensure your beneficiaries receive sufficient assets to achieve your estate planning objectives.

Centrelink Strategies Checklist for Pensioners

With the looming Pension changes coming 1st Jan 2017 we have prepared a 10 point checklist for EXTRA Centrelink benefits OR at worst make sure you know your downside.

Don’t think Centrelink will be ringing you to say “Hey we could pay you more” and don’t wait until October for them to call you with how these changes will affect you…

Check off each of these 10 points to make sure you are not one of the 326,000 retirees who will be affected by these changes. It is predicted many will loose up to 50% of their pension or more and others will have their pension slashed.


Wealth Protection Case Study 3 – Protecting your assets

If you’ve used debt to start-up or grow your business, it is wise to ensure you and other key people have suitable insurance cover.

Adam, aged 40, is married to Kylie, aged 35. They have a young family and own a home worth $600,000.

Adam wants to expand his dry-cleaning business and to do this he’ll need to raise some capital. After assessing his options, he borrows $200,000 from a bank and, as part of the loan agreement, he signs a guarantee using the family home as security.