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Indexation is an optional benefit on life insurance policies designed to ensure you’ll always have the same financial freedom in the event of a claim.Not all insurance policies offer indexation. But for those that do, it works by offering you an increase to the sum...

There is plenty of talk at the moment that we should be teaching financial literacy in schools.It sounds great in theory, but lets take a moment and think of the teachers.Teachers are under so much pressure at the moment. Paperwork, lesson plans, regulation, dealing with...

I have worked with plenty of nurses and midwives over eight years in the financial planning industry.There are plenty of things nurses do financially well, but there is one thing in particular which they can do better.There is a big gap which is causing nurses...

Insurance policies can be bought in one of 3 ways:Through a financial adviser Direct from an insurance company, or Held inside your superannuation, which is the case for most AustraliansNo matter where you purchase it from, the core idea is the same: if something...

4 key factors impact your premiumEver wondered how insurers work out the cost of your life insurance? There are many factors that can impact the premium you pay, but there are 4 factors in particular you need to be aware of. Your personal risksDangerous...

Life insurance premiums are predominantly based on the risk of certain events happening to you. Because health risks increase with age, life insurance premiums will generally increase over time. That’s why most insurers offer two common ways of paying for, and managing, the costs of...

So you’ve made the decision to meet with a financial adviser. The next step is to get ready to make the most of your first meeting. The better prepared you are, the better quality conversation you can have. It starts with a conversation Your first appointment with...

Is Afterpay evil?Afterpay enables you to "buy now and pay later" and it is not technically debt - or is it?Watch as 2019 AFA Rising Star of the Year Chris Carlin, founder, financial planner and mortgage broker, explores this topic in more detail.[embed]https://www.youtube.com/watch?v=huVzDmcx0b4&feature=youtu.be[/embed]If you like...