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Q. What is an Interest-Only Loan? How do they work, and what are the main advantages or disadvantages?

What is an interest-only loan? An interest-only loan is when [...]

By |2019-11-22T13:58:26+11:00November 22nd, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. What is an Interest-Only Loan? How do they work, and what are the main advantages or disadvantages?

Q. My wife and I retired and we are looking to sell our home and put some of the proceeds into our Super. How does this work?

Q: My wife and I are looking to sell our [...]

By |2019-11-15T17:38:52+11:00November 15th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. My wife and I retired and we are looking to sell our home and put some of the proceeds into our Super. How does this work?

Q. I am retired and just received an inheritance. Can I still invest this into my Super?

Q: I fully retired in May 2019 when I turned [...]

By |2019-11-15T17:10:36+11:00November 15th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. I am retired and just received an inheritance. Can I still invest this into my Super?

Q. Who do I complain to if I am not satisfied with the service and advice I received from my Financial Planner?

Q: I am considering raising a complaint about Financial Planning [...]

By |2019-11-08T17:35:28+11:00November 8th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Who do I complain to if I am not satisfied with the service and advice I received from my Financial Planner?

Q. What to expect when you have a Financial Planner conducting a Financial Planning review?

Q: I have used a Financial Planner for advice and [...]

By |2019-11-08T17:26:28+11:00November 8th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. What to expect when you have a Financial Planner conducting a Financial Planning review?

Q. What is an Investment Risk Profile and what are the things to consider in choosing a long term investment for your allocated pension in retirement?

Q. What is an investment risk profile and what should [...]

By |2019-11-01T10:32:06+11:00November 1st, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. What is an Investment Risk Profile and what are the things to consider in choosing a long term investment for your allocated pension in retirement?

Q. The difference between Discretionary Trust and Unit Trust and how they work and its pros and cons?

Q: I have been advised to set up a Discretionary [...]

By |2019-10-28T10:34:47+11:00October 28th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. The difference between Discretionary Trust and Unit Trust and how they work and its pros and cons?

Q: Can you explain how Centrelink assess my income and assets in determining my entitlement to the Aged Pension?

Q: Can you explain how Centrelink assess my income and [...]

By |2019-10-21T14:08:28+11:00October 21st, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q: Can you explain how Centrelink assess my income and assets in determining my entitlement to the Aged Pension?

Q. Is it possible for me to leave my half of our shares to one of our children. Therefore, the shares would be held jointly in the names of my wife and our son upon my death.? What will happen with the pa

Q: I am 87 years old and my wife is [...]

By |2019-10-21T13:42:57+11:00October 21st, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Is it possible for me to leave my half of our shares to one of our children. Therefore, the shares would be held jointly in the names of my wife and our son upon my death.? What will happen with the pa

Q. Hybrid Investment vs Term Deposits: with interest rates available on term deposits now offering less than 2%, should I consider taking up the offer?

Q. I have received an offer to buy CommBank PERLS [...]

By |2019-10-15T09:47:59+11:00October 14th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Hybrid Investment vs Term Deposits: with interest rates available on term deposits now offering less than 2%, should I consider taking up the offer?