Altum Financial Services Pty Ltd

01/06/2026

Altum Financial Services is now listed on the ADF Financial Services Consumer Centre.

This program connects ADF members with fee-for-service advisers who do not receive commissions or remuneration from product providers — so the advice you receive is genuinely focused on your interests.

Military service comes with financial decisions that most advisers rarely encounter — transition planning, defined benefit super, DVA considerations, retirement strategy, and long-term wealth structuring. These aren't areas where generic advice cuts it.

If you're a current or former ADF member, or a family member looking for clear and personalised financial advice, I'd love to have that conversation.

👉 Find out more at adfconsumer.gov.au or book an introductory call at altumfinance.com.au

26/05/2026

📈 The news is loud, the worry list is long — but does pessimism actually pay as an investor?

Oil shocks. Budget changes. Rising rates. Social media doom. It's easy to feel like now is the worst possible time to be invested.

But history tells a different story.

We've shared an article on our website by Dr Shane Oliver, Head of Investment Strategy and Chief Economist, covering three reasons why cautious optimism — not pessimism — is the smarter long-term approach for investors.

A few things that stood out:

📉 Our brains are wired to feel losses more painfully than gains — which makes us natural receptors of bad news and poor investment decisions

📱 Social media algorithms amplify extreme views and dramatic headlines, making worries feel bigger than they are

📊 $100 invested in Australian shares in 1900 with dividends reinvested would be worth around $3.8 million today — cash over the same period would be worth around $16,000

⏱️ Missing just the 10 best days in the Australian share market since 1995 drops your annual return from 9.4% to 7.5% — missing the 40 best days drops it to 3.7%

The key isn't blind optimism. It's having a framework that keeps you invested through the noise.

Full article here 👇
https://altumfinance.com.au/three-reasons-why-it-pays-to-be-an-optimist-as-an-investor/

If you'd like to talk through how to build that kind of framework for your own situation, I'm happy to have that conversation.

📞 Book an introductory call: altumfinance.com.au

20/05/2026

📊 Oil shocks, rising bond yields, the Budget, and the RBA — what does it all mean for your investments right now?

There's a lot happening at once and it can be hard to know what actually matters for your money. We've shared a Q&A style breakdown on our website that cuts through the noise.

A few things worth understanding:
🛢️ The Strait of Hormuz is still closed — the world has been drawing down oil stockpiles to cushion the impact, but that can't continue indefinitely. If a deal isn't reached soon, oil prices could still push significantly higher

📈 Rising bond yields are putting pressure on share valuations — both Australian and US markets are offering limited risk premium over bonds right now

🏠 The Budget's changes to negative gearing and CGT make shares and super relatively more attractive than residential property for investors

💰 High yielding investments are likely to be favoured over growth-focused strategies under the new tax settings

🏦 One more RBA rate hike in August looks likely — but rate cuts are expected through next year
This is a genuinely useful read if you're thinking about where to put your money in the current environment.

Full article here 👇
https://altumfinance.com.au/investment-outlook/
Happy to talk through what any of this means for your own situation.
📞 Book an introductory call: altumfinance.com.au

12/05/2026

🏛️ The 2026-27 Federal Budget is out — here's what it actually means for you.

Negative gearing changes. Capital gains tax reform. Spending cuts. Rate hike implications. It's a big Budget with real consequences for property investors, small business owners, and everyday Australians.

We've shared a detailed breakdown on our website covering the key winners and losers, what it means for the RBA, and how different asset classes — property, shares, cash — are likely to be affected.

A few things worth knowing:
🏠 Property investors in existing homes face tighter negative gearing rules from 2027-28 — roughly 1.2 million Australians will be affected

📈 The 50% CGT discount is being replaced with taxation of real gains — shares and business owners need to pay attention

💼 Small business gets a boost with permanent instant asset write-offs and expanded R&D credits

📉 The Budget adds near-term stimulus, which won't make the RBA's inflation fight any easier

The full picture is more nuanced than the headlines suggest — read the analysis here

👇
https://altumfinance.com.au/budget-2026/
If you want to talk through what these changes mean for your personal situation,

I'm happy to have that conversation.

📞 Book an introductory call: altumfinance.com.au

06/05/2026

📈 The RBA has lifted rates again, but the bigger question is what comes next.

The focus isn’t just how high rates go, but how long they need to remain restrictive to bring inflation back under control.

We’ve shared an analysis on our website highlighting a key lesson from the 1970s:

👉 Easing policy too early risks a resurgence in inflation, which can ultimately require even tighter policy later.

That experience is one reason the RBA is likely to remain cautious, even as growth slows and cost-of-living pressures persist.

For Australians, this suggests:

- Interest rates may need to stay higher for longer
- Ongoing pressure on household budgets
- Continued uncertainty in investment markets

The broader implication is that the low and stable inflation environment of the past decade may not return quickly.

Understanding that is important when making financial decisions.

Read the full analysis here 👇
https://altumfinance.com.au/the-rba-hikes-again-to-control-inflation-lessons-learned-from-the-1970s/

If you’d like to discuss what this means for your situation, you can book a time via the website.

23/04/2026

23/04/2026

🏛️ The Federal Budget is on 12 May. Will it actually make a difference?

With the Iran conflict adding pressure on oil prices and inflation, the upcoming Budget is one of the most consequential in years. The question is whether the Government uses the moment — or wastes it on short-term fixes.
We've shared an analysis on our website covering the five key things this Budget needs to deliver:

✅ Keep any cost-of-living relief modest and targeted
✅ Cut government spending back toward pre-COVID norms
✅ Real tax reform — not just more tax hikes
✅ Serious productivity reforms to lift living standards
✅ Reform the Charter of Budget Honesty to close the "off budget" loophole

For Australians — especially public servants, investors, and small business owners — what happens on 12 May will have real flow-on effects for inflation, interest rates, and your financial position.

Read the full article here 👇
https://altumfinance.com.au/never-waste-a-crisis-the-top-five-things-needed-in-the-coming-budget/

If you'd like to talk through what the Budget could mean for your personal situation, I'm happy to have that conversation.

📞 Book an introductory call: altumfinance.com.au

16/04/2026

🌍 What does the US/Israeli war with Iran actually mean for your finances?

The headlines have been loud, but the longer-term implications for investors and everyday Australians are worth understanding clearly.

We've shared an analysis on our website covering nine key consequences of this conflict — from a potential new wave of inflation and higher oil prices, to bigger government deficits, increased defence spending, and what it all means for investment returns.

For Australians, the near-term picture includes inflation potentially peaking around 5–5.5%, slower GDP growth, and the RBA likely holding or hiking further while it watches oil supplies tighten. That's real pressure on household budgets and portfolios.

The longer-term story is about a world that's becoming more crisis-prone, more expensive to run, and more volatile to invest in. Understanding that is the first step to planning around it.
Read the full article here 👇

https://altumfinance.com.au/nine-key-longer-term-consequences-of-the-us-israeli-war-with-iran/

If you're wondering what this means for your own financial position, I'm happy to have a conversation.

📞 Book an introductory call: altumfinance.com.au

16/04/2026

🌍 Nine ways the Iran conflict reshapes your financial future.

Higher inflation. Bigger deficits. More volatile markets. The US/Israeli war with Iran isn't just a geopolitical event — it has real consequences for Australian investors and households.

We've broken down the nine longer-term impacts on our website, including what it means for the RBA, oil prices, and investment returns.

Link in bio 👆 or search: altumfinance.com.au

Iran GlobalMarkets FinancialAdvice AltumFinancial CanberraSmallBusiness

12/03/2026

Everything feels more expensive.

Because it is.

The real question isn’t “why”.

It’s “what does this mean for my long-term plan?”

altumfinance.com.au