Posts by Matthew Torney

Tips For A Meaningful Retirement

Muirfield recently published an article in the Surf Coast Times “Celebrating Seniors and Retirement Living” liftout. The article explored 5 tips for a meaningful retirement.

Retiring is one of the most significant life changes people make and for most retirees the transition is a relatively easy one to navigate. For some, adjusting to life after work can be more difficult, particularly when people have spent a lifetime finding meaning and social connection in their careers. Obviously, the decision to retire is a big one from a financial perspective, however, over time, I have come to appreciate the importance of preparing my clients for retirement emotionally as well as financially.

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2018 Year in Review and What’s Ahead

We reflect on the events of 2018 before looking at what’s in store for investment markets in 2019.

In 2019 we see market volatility persisting given we’re facing another election, further interest rate speculation, predicted house price falls and global political games.

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More Flexibility for Tax Effective Super Contributions

Salary sacrificing into super is a popular strategy for clients looking to tax effectively maximise their retirement savings.  As of 1 July 2017, many individuals now have the additional option of making personal deductible contributions. This means everyone now has greater flexibility around how they make tax effective contributions to super. What has changed? Since…

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Working Past Age Pension Age

There are a number of considerations to take into account when contemplating retirement, or a move to part-time work. If you continue working past Age Pension Age, individuals who scale back their hours often benefit from the gradual transition into life after work. For some, retaining the social support of a work environment can be…

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New Financial Planning Regulations

In a win for the Australian public and the Financial Services industry, the Government recently passed the Corporations Amendment (Professional Standards of Financial Advisers) Bill 2016. The bill is designed to raise the standard of financial advice in Australia. The new reforms will require existing financial planners to meet stringent education and exam requirements and…

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Make the Most of Centrelink changes

Changes to the asset test thresholds and associated taper rate took effect on 1 January 2017. All Australians who receive an Age Pension and whose payment will change as a result have been notified by Centrelink of their new payment rate. If you receive a payment, now might be a good time to check what…

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A brief review of 2016 and expectations for the year ahead

Proving that no one has a Crystal Ball, economists and presidential pollsters alike are looking back on 2016 and wondering how they got it all so wrong. As AMP’s Chief Economist, Shane Oliver, recently noted, “2016 was perhaps remarkable for the things that many thought were obvious at the start of the year but did…

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