We have provided the following link to a budget calculator which you may find useful to help sort out your cash flow. Of course, if your cash flow structure is something that you would like to discuss and seek advice and assistance with, please contact us at info@aandtfs.com 

Australian house prices have long been a talking point around the weekend BBQ. The following article was written by Dr Shane Oliver in response to recent activity and analysis on house prices across the country, which you may find of interest.

Key points of the article:

• Property prices in Sydney and Melbourne are likely to see top to bottom falls of around 20% as credit conditions tighten, supply rises and a negative feedback loop from falling prices risks developing.
• Other cities will perform better having not seen the boom of the last few years.
• Property investors should remain wary of Sydney and Melbourne for now & focus on higher yielding markets.

 
Please click on the link below to read the full article. 

By the standards of recent years, 2017 was relatively quiet. Sure there was the usual “worry list” – about Trump, elections in Europe, China as always, North Korea and nuclear war and the perennial property crash in Australia. And there was a mania in bitcoin. But overall it has been pretty positive for investors.

As we approach the end of 2017 and start to look into 2018, we review what happened in markets over the year and what we anticipate will be the themes and issues in 2018. .

As always, in seeking professional advice, investment of funds is only one aspect of any financial plan and a focus on structure and strategy can have an even more significant benefit.   

If you would like to discuss the implications in relation to your long term strategy, please contact our office on 03 9846 1099 or info@aandtfs.com ​​

Significant changes to the Centrelink Assets test are due to come into effect on 1 January 2017 which may mean that many pensioners see a reduction or total loss of their Age Pension entitlements. Please refer to the attached article for more information if this may impact you or someone you may know. 

Careful planning, and expert advice to determine the most appropriate course of action are always useful, so if you someone you know may be impacted by this, and  would like to discuss the implications in relation to their circumstances, please contact our office on 03 9846 1099 or info@aandtfs.com 

In a historic vote which has ended months of speculation, the UK electorate has voted to leave the European Union (EU). While the speculation may have ended, the uncertainty has not. What will an exit from the EU mean, not just for the UK, but for Europe and beyond?

In the attached article, we look at the economic implications of the vote andwhat this means for you.

If you would like to discuss the implications in relation to your long term strategy, please contact our office on 03 9846 1099 or info@aandtfs.com 
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 ​With the end of financial year fast approaching, now is the time to get all your finances in order.
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The end of a financial year is the perfect time to get your finances in order and ensure you get the best possible tax return, so read on to find out how to survive the end of the financial year and make the most of your situation. Click on the links below for specific tips in regards to:

- Your superannuation 
- Your debt and loans
- Tips for business owners or individuals to bring forward tax refunds

Of course if you wish to discuss any of the specific issues affecting you in greater detail or any other matter, including the proposed budget changes, then please contact us or arrange a time call to arrange a time for a meeting on 03 9846 1099 or click on the link below to arrange a no obligation face to face meeting.