Ursula Boorman


June 9, 2016

Making investing a family affair

Most people would agree that couples in a marital relationship who carefully co-ordinate their investment portfolios along with their other personal finances can potentially put themselves in an excellent position to reach their shared long-term goals. This joint approach to investing can include ensuring that the asset allocation of all of their investment portfolios – inside and outside super – are appropriate and non-conflicting. It also involves making sure that each partner is making the most of the caps on super contributions if suitable for their circumstances and within their means. Another issue to consider is whether to make spouse super […]
June 1, 2016

Age Pension and 30 June

You are probably aware that there are significant changes to the Centrelink Age Pension Asset Test from 1st January 2017. Now is the time to start planning and making changes to give you the best outcome if you fear that you will lose all, or a significant part, of your pension. Some people will be better off in January but if you own your own home and your assets (excluding the home) are close to the following limits you may want to read further: Single $350,000                 Couple $470,000 It is important to know that if you lose your pension […]
May 31, 2016

Discipline matters, regardless of super policy

Voluntary super contributions are poised to become like New Year’s resolutions and lapsed gym memberships – well-meaning, but ultimately unrealised. Uncertainty combined with a distant time frame begets inertia.  As we close out the 2015-16 tax year and welcome in the new financial year with a double dissolution federal election, uncertainty is in generous supply when it comes to superannuation. The juxtaposition of the federal election timing and the end of the financial year means that some decisions – particularly on the tax planning front – cannot wait until the uncertainty clears. When it comes to the caps on super […]