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October 2023

"Sustainable
Investment Advice

Sustainable Investing 101: A Beginner’s Guide

Australia is a trailblazer in the world of sustainable investing. Only recently, one survey found two-thirds of Australians said they’d consider investing in ethical companies or funds.

Based on environmental, social and governance (ESG) considerations, this area of financial planning is becoming ever popular.

So, how does sustainable investing work? Read on as we drill down into its importance and show you how you can join a growing club of like-minded sustainable investors.

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Finance Planning, PAC Financial

How to get the most out of your meetings with your financial adviser

To get the most out of your financial adviser, be prepared. Gather all the current information you have about your financial circumstances (and your partner’s), including:

  • Income: wages, salary, interest, rental income, government benefits and dividends
  • Expenses: household budget and expenses (such as food, clothing, telephone, internet and council rates) and lifestyle expenses (such as gym memberships and annual holidays)
  • Assets: your home, car or other assets of value
  • Debts: mortgage, credit card and loan repayments
  • Investments: statements from shareholdings, other investments and bank accounts like term deposits
  • Insurance: life, total & permanent disability (TPD), trauma and income protection policies
  • Superannuation: annual statements from your fund
  • Estate plan: Will and power of attorney
  • Professional advisers: your accountant and solicitor
"financial
Advice, Finance Planning, PAC Financial, Uncategorized

Why We Often Argue About Our Finances

Being in a relationship comes with its pros and cons.

When single it’s me, myself and I making the decisions. There would be very few couples who claim they never argue – some might say that would be boring anyway. The real disputes occur when the arguments are about finances and if they occur too often, it can become stressful and draining.
Today we look at the three main reasons couples argue about their finances. And how seemingly ‘irreconcilable’ differences might be handled.

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