The 3 steps to a successful financial plan.

Finances can be complex. We have found, through years of working with clients to achieve their goals, that simplicity is the best way to ensure that someone commits to and implements their plan to the fullest extent. At Smart Happy Money we have put together 3 steps that we believe may help you, depending on…

3 steps you can take to better prepare for your retirement

Even though retirement may seem like a long way off for many of you (closer for some!), have you ever asked yourself, “how am I going to retire”? It is a common question, especially for those who have passed the age of fifty. Fifty seems to be a turning point in the way people think…

Under 40, your super still matters. Here’s three things you can do to boost you

So, you’re under forty. Should you be thinking about your superannuation? The answer is yes. I’m also under forty, and I think it is very important for us all. So, what can we do to boost our retirement savings? Well, here are 3 ways to boost your super. 1: Consolidate it into one account Do…

What is Financial Planning?

When people think of financial planning they think about investment management. Where should I invest my money? Who will invest it for me? While this plays a part of a financial plan, and any good financial advisor will recommend that you invest your money a certain way, it is only a small part of a…

Everybody wants to retire, but do you know how it actually works?

Most of us have superannuation, and most of us understand, in general, how it works while we work, but how many of us understand how superannuation works in retirement? Firstly, and often most unwisely you can access it as a lump sum and withdraw it from super altogether. This is (usually) not a great option…