Finding your investment comfort zone: Understanding your risk profile

Investing is often discussed in terms of returns, markets, interest rates and opportunities. But one of the most important questions comes well before choosing an investment: How much risk are you genuinely comfortable taking? Understanding your investment risk profile is an important part of building a financial plan that you can live with—not just when […]

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Saver or Investor? Understanding when your money needs to work harder

Most of us begin our financial lives as savers. Our first money goals are usually simple: put something aside for a holiday, build a deposit for a car, create an emergency buffer or save towards a home. Saving provides something enormously valuable — security and choice. But somewhere along the financial journey, a different question […]

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From business owner to entrepreneur: The habits that drive long-term success

Running a small business requires determination, resilience and a willingness to make decisions every day. But there is an important difference between owning a business and building an entrepreneurial enterprise. A good business owner can create a profitable, respected and sustainable operation. An entrepreneur takes that foundation and begins thinking about scale, opportunity, innovation, people […]

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Powers of attorney and advance care directives – Who will make decisions if you can’t?

Most of us spend our lives making our own decisions. We manage our finances, property, health, family matters and everyday affairs without giving much thought to what might happen if one day we were unable to do so.   An accident, serious illness, stroke, dementia or another unexpected event can change that very quickly.   […]

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Tax planning for business owners: Five questions to ask your accountant

Tax planning is not simply about finding deductions at the end of the financial year. Effective planning helps business owners understand their position, prepare for upcoming obligations and make informed decisions about cash flow, investment and growth.   Regular conversations with your accountant can also help prevent unwelcome surprises. The Australian Taxation Office recommends setting […]

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Workplace reconciliation: How to avoid and resolve workplace conflict

Workplace conflict is an uncomfortable but often unavoidable part of working with other people. Different personalities, communication styles, pressures, expectations and responsibilities can all contribute to misunderstandings.    While some disagreement can encourage better ideas and positive change, unresolved conflict can damage morale, reduce productivity and create unnecessary stress.   Workplace reconciliation is the process […]

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