By Dr Ross Walker, February 2020 25% of Australians are affected by some form of type one allergy which includes asthma, hay fever, urticaria and anaphylaxis. Allergies can come in the form of food, pollen, dust, house mites, mould or even allergies to animals. Over the years, there have been a number of different hypotheses…
By Colin Lewis December 2019 If you’re aged 65 or more and sell your home, you may be able to contribute some, or all, of the sale proceeds into superannuation. Making what is known as a ‘downsizer contribution’ is an opportunity to top-up your super even if you’re normally ineligible to contribute due to your age,…
By Jessica Gallagher, Paralympic Medalist December 2019 It has been an absolute pleasure to be a part of the Fitzpatrick’s team for the recent client events these past few months and I’d like to thank you all for I have met many incredible people and been a part of many wonderful conversations over the events. It…
By Colin Lewis November 2019 There are many reasons for setting up a self-managed superannuation fund (SMSF). It could be the desire to take control of your super, or wanting to invest in something that can only be held in an SMSF, such as direct property – with the spotlight on investment diversification, more attention must…
By Anthony Asher, David Knox, Michael Rice on behalf of Cufflinks, September 2019 In designing a system that will be robust in the face of social, economic or demographic changes, it is useful to note major trends that will affect Australians in retirement. A sound system will be dynamic and require change from time to time.…
By Colin Lewis, September 2019 Planning for the inevitability death – while morbid – is important. It gives you comfort knowing that what you’ve accumulated will go to your intended beneficiaries and it gives your loved ones, peace of mind knowing they’ll be looked after. On death, when it comes to your superannuation, only your…
By Colin Lewis, August 2019 Back in November 2015, the then Treasurer Scott Morrison enunciated the view that “Super was never designed to be an open-ended vehicle for wealth creation.” So, we now have a superannuation system that is designed to limit how much can go into it and ensure that money in it must…
By Marcus Christoe, July 2019 on behalf of Cufflinks Each year like clockwork, when the Australian winter sets in, my Facebook newsfeed begins to fill with pictures of Hawaiian or European summer destinations. With the July school holidays upon us, this process is well underway and conversations with friends inevitably turn to holiday check lists:…
Dr. Ross Walker, June 2019 These days, ordering coffee can be quite a stress. Do you have full cream milk, skim milk, soy milk or most recently almond milk? Over the past decade, there has emerged an even newer decision, should you have A1 or A2 milk? A2 first emerged as an alternative in around…
By Colin Lewis, June 2019 With the Reserve Bank recently cutting the official cash rate to a historic low of 1.25 percent and the likelihood of further cuts to come, investors are seeing their returns eroded. For retirees with investable assets sitting in cash, term deposits and fixed interest securities, lower returns mean less income…
