Cash flow

6 ways to navigate your finances in your 40s

6 ways to navigate your finances in your 40s Growing responsibilities and competing priorities can be a feature of your 40s. Strategic wealth advisor Adrian Hanrahan offers his tips for getting ahead in mid-life. Although marriage, mortgage, and young children may have characterised your 30s, your 40s often feature growing responsibilities and ever-competing priorities. Your parents are older, your mortgage is still on foot, children’s education costs are growing, and though retirement may seem a …

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So, you’re starting a business…

So, you’re starting a business… Whether you’ve been plotting it for years or just recently decided to go for it, starting your own business is a big leap. Now that you’re taking the first steps, pause for a moment to consider some often-overlooked factors that will set you up for success. While these may not be as exciting as dreaming up your vision or designing your marketing, building these tasks into your planning will give …

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How to create visibility on spending goals in retirement

How to create visibility on spending goals in retirement Retirees looking to develop a sustainable financial plan face a challenging technical problem. So it makes sense to simplify some of the inputs. Those of us who focus on the production of investment returns for retirees’ financial assets often choose to make simple assumptions about consumption patterns in retirement. However a more detailed understanding of priorities for spending in retirement can inform the design of appropriate …

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Managing your money

Managing your money What is a budget? A budget is a plan that works out how you will manage your income and expenses. Maintaining a budget is a powerful way to control your money. Do you need a budget? A budget allows you to see how much money is coming in and going out. It helps you ensure there is enough money to cover your expenses and is an effective way to make sure you …

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ASPIRATIONS Newsletter

ASPIRATIONS Newsletter Welcome to the latest edition of our client online newsletters, Our articles cover a range of topics which we hope you will find interesting. We aim to keep you informed of changes as they happen, but we also want to provide ideas to help you live the life you want – now and in the future. Our Latest Newsletter Summer 2023 Newsletter Archives Winter 2023 Autumn 2023 …

The demand for global infrastructure

The demand for global infrastructure …and what this means for investors An estimated US$78 trillion will be required for global infrastructure investment over the next two decades. The majority of infrastructure requirements are dominated by the core sectors of transport, energy, water and communications. Additional infrastructure requirements outside of these sectors include roads, airports, port and loading facilities, health, education and other community service provisions.1 Regional spending requirements Infrastructure requirements in North America, Europe and …