RSM Australia

Wealth insights

A super recontribution could optimise inheritance for your kids

20 June 2018
Aside from your home, the most valuable asset you are likely to own, and potentially be able to pass on to your next generation, is your superannuation. The challenge is that once your kids leave home, their financial dependence on you, at least according to the law, pretty much ends.

Consolidating super - don't blow up your insurance!

1 June 2018
There’s growing concern around the fees associated with managing super, with many failing to see the wood from the trees when it comes to the difference between fund management fees and insurance premiums.

Young Australians beware of the impact of super without insurance

24 May 2018
Most Australians breathed a sigh of relief in the 2018 Budget that few changes were made to super. The government did however place some focus on limiting the amount of superannuation being eroded by fees.

Five tips to financial harmony for newlyweds

21 May 2018
Although we won’t all find our life partner trotting up to the wedding in a royal carriage, it’s fair to say that in our own way we all create our own fairy-tale wedding.

De facto relationships and your super

17 May 2018
It’s a fact that many people are living in longer-term de facto relationships than in the past. Longer engagements, second marriages and older couples forming relationships in their golden years are all contributing to this trend.

Avoiding a Will dispute

15 May 2018
One of the most difficult issues facing parents is how to treat their non-farming children fairly, whilst at the same time leaving the valuable farm to the farming child or children. 

Why young Australians need to engage with super earlier

10 May 2018
It’s common that many young Australians consider super and retirement as something they will deal with when they get older, with some delaying their interest and engagement for their ’50 something-year-old’ self to deal with.

An illness to your partner could also cost you a career

3 May 2018
The personal financial demands on you and other Australians are not getting any easier. With continued record growth in the property market alone, Australians are having to live with the maintenance of some of the highest levels of household debt in the world.

Your generosity could provide even more benefits

9 April 2018
We all work diligently to provide for our dependents and eventual beneficiaries. Protecting their future wealth is an excellent legacy for our survivors. So how do we provide this extra benefit?  One idea when making a Will is to establish a testamentary trust or trusts that commence upon the death of the Will maker. 

Investment and broader financial planning implications

28 March 2018
thinkBIG 2018 Superannuation whitepaper: discussing the real impact of the overhaul to the superannuation system - what now?

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