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Mortgages: To Fix or Not to Fix? Why is this a Question?

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In 2012 shortly after Uber arrived in Australia to disrupt the Taxi industry Airbnb launched in the Australian market as a new option for short term holiday rentals disrupting market traditionally dominated by hotels. Since then Airbnb has grown to an estimated 130,000...

​Investors at year-end are inclined to reflect on the 12 months gone and muse on what the coming year might bring. Aware of this appetite for speculation, the media tends to feed it with forecasts. These articles can be fun to read, but are even more so a year later.


“He can’t figure out why it’s taking so long to reach the amount he wants to retire on.”

It was an offhand comment a client made about their friend. Said friend had a specific final superannuation balance in mind they wanted to reach. Upon hitting it, they’d be tossing...

The government has announced that it will allow future voluntary contributions (note: this does not include employer superannuation guarantee contributions) to superannuation to be withdrawn for a first home buyer's deposit. Under the proposal you will be able to contr...

We have seen a major transformation in the structure of the Australian workforce over the past 25 years. Over one million lower skilled jobs have been replaced with higher skilled jobs in the knowledge and services sector. Employer now look for their staff to be more c...

Following my article on Wednesday I have spoken to Geoff Fothergill about his experiences with a critical illness and how this has impacted on his life as well what helped him through this time.

Geoff was very young to be introduced to life insurances with his father or...

As a financial adviser I have a unique relationship with, and insight into the lives of, the clients I have the privilege to work with. Our relationship focuses on the goals that are important to them which ultimately form the basis of the my advice. Generally the disc...

It has been reported that the Federal Government is considering a new strategy to make it easier for first home buyers to accumulate the a deposit by allowing young people to access some of their superannuation savings. The Australian reportsUnder the proposal, first...

It seems every few months the media is posing the question:

“Are interest rates going to rise, and if so, is now the time to fix the interest rate on your mortgage?”

As this is such a pervasive question in our news cycle I thought I would offer a financial adviser’s pers...

Each year Deakin University in association with Australian Unity publish The Australian Wellbeing Index. As part of this they conduct research to determine the various factors that impact on our happiness. Through this research Professor Robert Cummins who authors the...

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Hart Wealth Management is an Authorised Representative No. 1241368 and Credit Representative No. 486714 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 13 611 583 487

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