Blog – Maddern Financial Advisers

Be ahead of the news in accounting, private wealth and finance

Life insurance inside or outside super?

Life insurance inside or outside super?

Team Maddern
07/Sep/2017
If you’ve got super, chances are you’ll have some default insurance included and the option to buy more at an attractive price. It’s a cost effective way to get a basic level of cover, but holding insurance inside super does have some downsides. Forms of superannuation insurance There are three types of insurance you can […]
Living longer, living better

Living longer, living better

Team Maddern
31/Aug/2017
There’s nothing quite like a tabloid story about a centenarian partying hard for their birthday to make you feel the creaks in every joint. It doesn’t matter whether they’re on a golf course in the Kangaroo Valley, carving up the slopes in the Rockies or hitting the gym for regular yoga and Pilates classes (and […]
Time to review transition to retirement pensions

Time to review transition to retirement pensions

Team Maddern
25/Aug/2017
Amid the major reforms to superannuation that took effect on July 1, some significant changes to the tax treatment of your Transition to Retirement Pension (TRIP) may have flown under the radar. Some individuals will be affected more than others, so if you have a TRIP or are thinking about starting one, now is the […]
Making tax work for you

Making tax work for you

Team Maddern
14/Aug/2017
Tax should never be central to any investment decision you make but it still has an important role to play. What that means is your investments should be tax effective rather than tax driven. Depending on your personal financial circumstances, there are bound to be ways you could minimise you tax obligations to maximise your […]
It’s time to protect your income

It’s time to protect your income

Team Maddern
19/Jul/2017
Consider cover for your most important asset – your ability to earn. One of the reasons people say they don’t have income protection is the perceived cost. But if you were to lose your ability to earn you might regret not having cover, or not having enough cover. Sadly, one in five Australian families will […]
Business disruptors and how to shake things up

Business disruptors and how to shake things up

Team Maddern
12/Jul/2017
When car-sharing pioneer Uber was born seven years ago in San Francisco, few would have predicted the speed and size of the impact it would have on the taxi business. Or that in seven short years it would become a business valued at US$50 billion, with operations in almost 60 countries. Fewer still contemplated the […]
Starting over: divorce after 50

Starting over: divorce after 50

Team Maddern
05/Jul/2017
Baby boomers have always been catalysts for social change and now they are doing it again. Divorce after 50 – or grey divorce as it’s become known – is on the rise. At a time when the kids have left home and retirement is on the horizon, more couples are deciding to go their separate […]
How psychology shapes our financial health

How psychology shapes our financial health

Team Maddern
20/Jun/2017
For many school children of a certain vintage, the wisest investment of their youth was made for them. Buried away in their time capsule, some will still have a battered old bankbook, into which a small amount was regularly deposited. Come the final day of Grade 6, a wide-eyed kid might find a few hundred […]
June 30: Tips for getting your financial house in order

June 30: Tips for getting your financial house in order

Team Maddern
08/Jun/2017
Time is running out to get your financial house in order before June 30. This is especially the case for anyone who has funds available to make a large cash injection into their superannuation retirement savings before the rules change. The 2016-17 financial year is your last opportunity to make a non-concessional (after tax) contribution […]
How to manage major life changes

How to manage major life changes

Team Maddern
01/Jun/2017
Change is one of the few constants in life. Major life changes can occur unexpectedly or as a result of careful planning. Not all major life changes make you feel immediately clear, secure, and ready to take on the world, so when life as you know it is turned upside down, moving forward successfully isn’t […]