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In this edition, find out why 'time in' the market, not 'timing' the market counts particularly during times of volatility and the benefits of having a financial plan in place for your growing family.

It's widely known that women generally retire with less in their super than men. Learn how you could boost you or your partner's nest egg to help close the super gap.

There’s a lot of market volatility due to the current Russian-Ukraine crisis, however, that doesn’t mean you need to be hasty when it comes to making changes to your investment portfolio. Here are a few tips on what to avoid during a market downturn.

Planning for a family is an exciting time, however, it's important to understand the costs associated with raising a child. Have you considered what you need just to prepare for the baby's arrival, let alone the school fees when the child gets older? We've outlined how to create a budget, government entitlements you may be eligible for, and types of insurance that may benefit you and your family.

It's a common question, just like the 'chicken and the egg' scenario – what comes first? Should you pay off your mortgage sooner, invest in shares or put your money into your super? Explore the benefits of each as well as what to look out for, here.

With most of us working from home or in lockdown during the past two years, connecting with others again can be overwhelming. In our final article, discover ways to reconnect with your family and friends in a more meaningful way.

We love to hear from you, so please feel free to contact us with any questions about our articles in this newsletter on 03 95039604 or email

Kind regards,

Darryl Jopling

Sharing super a win-win for couples

Couples who take a joint approach to their super can potentially increase their retirement income and reduce tax along the way. Read full article >>

Staying passive is being active

In volatile market conditions, not doing anything at all - staying the course - is generally the best investment strategy overall. Read full article >>

Financial planning for your growing family

Starting a family, whether it be taking those first steps of planning or knowing your baby is on their way, is exciting – and expensive. Before you start thinking of paint colours for the nursery, it’s wise to understand the costs involved in raising a child. Read full article >>

Should I pay off my home loan or invest in more assets?

Invest or be debt free? Explore your options before paying off your mortgage. Read full article >>

Thriving on social connection

We are all social creatures, so if you are feeling a little out of the picture, here are some ways to reconnect. Read full article >>