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If you’re in the top 95% of Australians, chances are you are not in a position that allows you to sustain you and your family’s lifestyle if something were to happen to you. One common reason amongst us is the belief that were invincible.

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It’s important to nurture your superannuation fund as soon as possible or you could run the risk of not being able to afford the retirement you’ve been dreaming of.

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It’s natural to want to give your children the best education possible, but the facts are that the cost of education can be an expensive outlay from your family’s budget. However, your children’s education is not an area where you want to penny pinch. With this in mind, how can your family prepare for the cost of education?

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Congratulations on your retirement, you deserve it.

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Credit cards are convenient – they allow you to spend money you don’t necessarily have, and in this way can also be very dangerous.

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Not setting financial goals is one of the main reasons why people never manage to achieve financial progress – simply getting by week by week, month by month and year by year. Without well thought out and realistic financial goals, people are more prone to spending on impulse, not necessarily preparing for tomorrow.  

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The age of retirement has recently increased to 70 for men and 68 for women, meaning many will have to work extra years before finally achieving that golden retirement.

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For many, a mortgage debt will be the largest debt they will ever have and can take what seems like a lifetime to pay off. Being proactive and constantly reviewing your mortgage can help you cut years off your mortgage, potentially saving tens of thousands of dollars in interest.

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Choosing the right superannuation fund can be an afterthought to the other important things in your life, but it can make a noticeable difference to your quality of life during retirement.

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Credit Card reward programs reward credit card loyalty and usage - giving you more reward points the more you use the card. These points can then be redeemed on products provided by the reward partner – which could include appliances, shopping vouchers, magazine subscriptions, hotel deals, flights…. the list is endless.

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Dun & Bradstreet's Consumer Financial Stress Index[1], released in September 2014, shows that the level of financial stress is forecast to reach a new high coming into the Christmas season as family’s financial capacity strains under the weight of high household debt and weak wages growth given that inflation is now outstripping wages growth.

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Consolidating your debt means using one loan to repay all your current loans and reduce your number of debts down to one.

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Most people, whilst keen for retirement, are nervous about securing their financial position to support their lifestyle once they do retire. Financial planning at this time is complicated with often more questions than answers - How much money will I need? Have I contributed enough into super? Is it too late to boost my super?

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Insurance: Why it’s just as important when you’re young

Regardless of what stage you are at in life, there are certain risks that can threaten your income and lifestyle. Insurance is an important part of planning for the future and can provide a safety net for when it’s most needed.

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While it's possible to live completely debt-free, it's not necessarily the way to financially get ahead. It may be surprising to know that not all debt is bad. When buying on credit or taking out a loan, it’s important to consider whether the debt incurred is good debt or bad debt.

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We all make financial decisions every day – we just don’t think about it. For example, every time you make a purchase you are affecting your cash flow. Using cash versus a credit card – debt management! But what about the bigger financial decisions that can impact our retirement in 20 years’ time? Or what if we could pay off our home in 20 versus 30 years, would that affect what school we can afford to send our children to? These are big financial decisions that can be life changing.

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For years you've worked hard, brought up a family, paid a mortgage, and made great friends who have travelled with you on the journey. Now that it's time to retire, you don't want to spend your golden years worrying about money and the rising cost of living.

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The estimated cost for living a comfortable 25-year retirement in Australia for couples is $58,128 per year.

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According to the Australian Securities and Investment Commission (ASIC) MoneySmart website, the average debt on each Australian credit card is $4,359.90, and each card holder will pay $748.48 in interest per annum.

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Home loan mortgages have a range of features that you should consider using as a way to reduce the balance of your loan, thereby reducing your overall interest payments in the process. It can seem complicated but it doesn’t have to be.

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Testimonials

"Dealing with Michael was an absolute pleasure. He did not only get our super and life insurance sorted but was also able to help us wipe a $55,000 credit card that had been haunting us for years. Seeing Michael was one of the best decisions we ever made and we will be definitely recommending him to all our family and friends." - Selwyn & Jenny, QLD
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"National Financial Advisors has changed my life! My wife and I went from being behind every month in our repayments and almost losing our home, to saving thousands every month, we're on our way to achieving financial goals that we never thought would be possible." - Michael & Jennifer, VIC
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"Thank you to Peter and the team at National Financial Advisors. You've helped us get our affairs in order so that we can go into retirement comfortably and sustain our retirement lifestyle knowing that when the time comes, our children and grandchildren will inherit what is rightfully theirs whilst paying the minimum amount of tax possible." - James & Mary, NSW
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From The Blog

Protecting your biggest asset – You!
If you’re in the top 95% of Australians, chances are you are not in a position that allows you to sustain you and your family’s lifestyle if something were to happen to you. One common reason amongst ...
Read More
You Need to Start Caring About Your Super
It’s important to nurture your superannuation fund as soon as possible or you could run the risk of not being able to afford the retirement you’ve been dreaming of. So, if you’re asking when you shou...
Read More
Planning For the Cost of Education
It’s natural to want to give your children the best education possible, but the facts are that the cost of education can be an expensive outlay from your family’s budget. However, your children’s educ...
Read More