NOR Financial

17/10/2025

It been a while but not much has changed in recent times. Things have calmed down and markets have been strong.

What is changing is our typical client. 10 Years ago when we started NOR we were dealing with your doctors who needed insurance as they had big mortgages and young families. Now many are fully qualified with older kids and starting to focus on building more significant wealth.

More and more we are discussing not only the fund to invest in but also the right entity to hold it in. Thought this blog might help.

Discover the pros and cons of trusts, companies, investment bonds and superannuation for doctors in Australia. Choose the right structure to grow wealth.

27/08/2025

Making sure you have valid nominations set up is just one of the many important things we worry about for you. So you don’t have to.

https://www.abc.net.au/news/2025-08-26/who-gets-your-superannuation-when-you-die-binding-death-benefits/105678326?

At least 6.5 million Australians will have no say in who inherits their superannuation, according to new research from Super Consumers Australia. It is urging people to make sure they have a legally "binding" nomination to ensure their super goes to the people they want it to.

07/04/2025

Remember the covid crash in 2020? You may have removed that from memory, for good reason. We didn't. This last 5 years has seen amazing returns. History repeating.

If you're panicking over your shares right now, that could potentially be the worst thing to do.

07/04/2025

Just thought I'd put up this article talking about recession in 2022.

As the share market enters a technical correction the raw fear is that if uncontrollable inflation is at the root of this downturn, it's anyone's guess as to when the bulk of the selling will be over, writes David Taylor.

20/11/2024

Not a lot of updates on the page these days. We’ve mostly been figuring new and exciting ways to help our clients build wealth and manage risk.
We are almost entirely pay per use now but still offer innovative solutions for those who benefit from other offerings. We have also developed methods to enable our clients by giving them access to leading edge portfolio management. Sure the risk return ratio is about the same but the visibility and access to great strategy. Oh my.

25/05/2024

They do say comparison is the thief of joy but this is a question we get asked a lot. Figured this tool could be handy.

Having an idea about the average super balance in Australia for your age can help you take the necessary steps to boost any shortfall.

07/10/2023

Enjoyed this conference very much. Had some good conversations and enjoyed being back at the podium too.

With rising insurance premiums many of the past assumptions on how to effectively protect yourself against illness or injury have changed.

Understanding how insurance and income protection work together with other strategies can not only can help you manage your costs adequately, but ensure that you are covered throughout your life and career.

Our BFD Education Members can watch now (make sure you log into BFD Education and search for the title without 'Paid Access').

Not a BFD Education Member? You can gain paid access to this also via the link: https://bfdeducation.com/expert-strategies-to-manage-the-spiraling-costs-of-your-personal-insurance/

06/10/2023

I’ve been considering writing this one for some time now. We are working closer than ever with industry funds. This is a great outcome for our clients as it opens up our options for pricing effective and efficient service.

This article aims to clarify how Superannuation funds utilize Index/ETF funds for cost-effective super investments. While super costs are decreasing significantly, it's important to question where the value lies for you as an investor.

04/06/2023

Had some help with this one. Thanks Gary.
It is also a picture of me at

02/06/2023

Wish I was at good at marketing and photography as I am at nerding out about financial planning. Anyway, here is a picture of me at

26/04/2023

Gone are the days where HECS/HELP were basically interest free loans. Up until now there were very few cases where paying off a student loan rather than having savings sit in the offset or investments was a better option. Times do change.

Naomi Lewis is wondering whether she should make an early repayment to save money on her HELP debt.

08/03/2023

Was thinking about International Women’s day today. There are too many great women in my life to list one by one and I’m not really into virtue signalling.
So I’ll treat today like any other and continue raising a couple of girls to be as great as the women I meet and work with every day.