 A big part of a financial planner's role is to minimise the tax you pay as much as possible, this even includes the tax your loved ones will on the assets you leave behind when you pass away.
 As an investor, you’ll have experienced a fear of losing money and/or a fear of missing out on potential gains.
 The old-fashioned method of payment of cash has become a thing of the past for most people.
But cash can be used as a great tool to cap your spending on certain discretionary expenses and not blow your budget out of the water.  One of the key things involved with retirement planning is finding out what the clients retirement goals are. Usually, this would involve a time where they would move from full-time work straight to fully retired.
 A lot of new clients who come to meet Lighthouse Financial Advisers get worried when they hear that they will be invested in the most diversified companies around Australia and the world.
 Most people understand that if you want to make before-tax contributions to your super, you can salary sacrifice via payroll, producing a tax saving.
 “Should we get out now and come back in when things settle down?” is a question that usually finds its way into investment conversations when the value of one’s investment has dropped.
 With most things in life, the people you choose to surround yourself with have a large impact and influence on your decisions. This is no different when it comes to your financials.
 When we see our superannuation, balance rise and fall due to volatility, we as humans instinctively think that there’s something wrong and feel that we have done the wrong thing by putting ourselves in that situation.
 When discussing money in a relationship, it's not rare for arguments or disagreements to occur... We're only human. Being aware of the reasons why, however, can help with the communication process and understanding of one another.
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