The rapidly evolving geo-political environment and rise of conflict in the world has investors concerned. With headlines focusing on uncertainty, it’s natural to feel unsettled but when it comes to investing it’s important to take a long-term view. 

While events such as the current conflict with Iran can have a significant short-term impact on share markets and superannuation returns, these events are part and parcel of any long-term investment journey. History tells us that every crisis, market downturn and recession comes to an end.

When you think about financial planning, do you find yourself focusing on numbers - returns, account balances, or how much you should be investing? This is very common, but as financial advisers we always ask a crucial question, ‘how much risk are you actually comfortable taking?’ Knowing your risk tolerance allows us to create a financial plan that not only works on paper but in real life for you.

Managing your money doesn’t have to feel dull or restrictive. A good financial plan should leave room for joy - the holidays, the dinners out, the little luxuries that make life meaningful. When your goals aren’t clear, it’s easy to fall into the trap of thinking there’s never enough left over for fun. A financial adviser can help you map out a future that balances both responsibility and reward.

Most of us would rather avoid thinking about what would happen if we were unable to work again due to a total and permanent disability or injury. Jane’s story is a powerful reminder of the value of having Total and Permanent Disability (TPD) insurance in place should you find yourself in this unlucky situation.

This week, Treasurer Jim Chalmers has announced several significant superannuation tax changes. Here’s what you need to know. The super sector has welcomed the proposal as a significant improvement over the original plan, which would have imposed a tax on increases in the value of super balances, even if you hadn't sold the underlying assets. These are unrealised or paper gains. Usually, tax only applies once you sell something.