We trust everyone is well and not too over-burdened or stressed leading up to Christmas. We are pleased to attached our last newsletter of 2023 covering the following:

1. Ten common financial mistakes to avoid before retirement.
2. The impact of interest rates on managing debt.
3. Why the share market is not the same as the economy.

We trust it is informative however please do not hesitate to contact us should you have any queries.

Thank you!
We also wish to take this opportunity to wish you a safe and enjoyable Christmas with good health and prosperity in 2024 and beyond. We very much appreciate the wonderful ongoing support of our clients, referral partners and family and look forward to seeing everyone in 2024.

On a personal note we have had a very rewarding 2023 (other than my under-achieving footy team), with our two big sons Taylor aged 25 and Morgan (21) enjoying their own success, living well and seeing many parts of the world, whilst my wife Kylie and I were able to attend a conference in Queenstown, NZ in August following by a short holiday in that incredible country!

Please note our office will be closed over the Christmas period from Friday December 22nd and re-opening on Monday January 8th 2024, however we will be attending to all emails and calls during that time.