Finance and Risk Consultants Pty Ltd

Finance and Risk Consultants Pty Ltd Financial Services - Financial Adviser Take advantage of debt and borrowing to pay off the mortgage sooner or to expand your investment portfolio.

Welcome to Finance and Risk Consultants,

At Finance and Risk Consultants Pty Ltd, we aim to provide you with the most appropriate professional advice to help you achieve financial freedom and lifestyle goals. Know your money - Understand advantages of an appropriate savings strategy no matter what your goal - car, house, retirement. Know your insured - Business or personal insurance. Ensuring you

are appropriately covered will avoid disappointment in the event of claim. Plan and Review - Regular review of your plan will help you stay on track to meet your goals. Finance and Risk Consultants Pty Ltd* - ABN 32 151 621 304.
*For Financial Planning and Life Insurance, Finance and Risk Consultants are a Corporate Authorised Representative of My AFSL Pty Ltd โ€“ ABN 88 625 856 840 โ€“ AFSL No 508559. Authorised Rep No - 409344


Disclaimer: The posts are of a general nature only and are not to be taken as recommendations as they might be unsuited to your specific circumstances. The contents herein do not take into account the investment objectives, financial situation or particular needs of any person and should not be used as the basis for making any financial or other decisions. Your financial adviser or other professional advisers should be consulted prior to acting on this information. This disclaimer is intended to exclude any liability for loss as a result of acting on the information or opinions expressed.

31/08/2026

2. Are you a Spender? ๐Ÿ›๏ธ

You enjoy life today and love spending on the people and experiences that matter to youโ€”but sometimes, saving for tomorrow can take a back seat.

A simple habit, such as automatically transferring a small amount into savings each payday, can help you enjoy today while still building a more secure financial future.

Could this be your money personality?

๐Ÿ“ž 02 8338 0988
๐ŸŒ www.financeandrisk.com.au



General information only and not personal financial advice. Please seek professional advice appropriate to your circumstances.

โ€œWhatโ€™s Your Money Personality?โ€1. Are you a Saver? ๐Ÿ’ฐYouโ€™re disciplined, careful and focused on the futureโ€”but being too...
26/08/2026

โ€œWhatโ€™s Your Money Personality?โ€

1. Are you a Saver? ๐Ÿ’ฐ

Youโ€™re disciplined, careful and focused on the futureโ€”but being too cautious may mean keeping more money in cash than necessary and missing opportunities for long-term growth.

A good financial plan can help you balance security with growth.

Which money personality sounds most like you?



General information only and not personal financial advice. Please seek professional advice appropriate to your circumstances.

When it comes to investing, two questions should shape your strategy from the very beginning:How long do you have before...
29/07/2026

When it comes to investing, two questions should shape your strategy from the very beginning:

How long do you have before you need the money?
And how much risk can you comfortably take?

Your time horizon plays a major role in how your portfolio should be structured.

If you are saving for a house deposit in the next few years, protecting your capital may be more important than chasing higher returns. But if you are investing for retirement decades away, you may be able to ride out short-term market volatility in exchange for long-term growth potential.

This is where asset allocation becomes important.

Asset allocation is the way your money is spread across different investment types, such as equities, bonds, property and cash. Each plays a different role.

Equities can offer stronger long-term growth but come with greater volatility.
Bonds are generally steadier but usually grow more slowly.
Cash is lower risk, but inflation can reduce its value over time.

Your ideal mix will depend on your life stage, goals and risk profile.

A younger investor may be comfortable holding more growth assets, while someone approaching retirement may need a more defensive strategy to help protect their savings.

There is no one-size-fits-all portfolio. The right approach is the one that aligns with your timeline, financial goals and ability to stay the course when markets move.

General information only. This is not personal financial advice. Please seek advice from an appropriately qualified professional before making investment decisions.

Two neighbours. Same age. Same retirement goal. Very different outcomes.Ten years ago, Phil and Ann were both 55 and sta...
15/07/2026

Two neighbours. Same age. Same retirement goal. Very different outcomes.

Ten years ago, Phil and Ann were both 55 and starting to think seriously about retirement income.

Phil focused on high-yield shares offering strong dividends upfront. Ann chose companies with a history of steadily growing their dividends, even though the starting yield was lower.

Fast forward ten years.

Philโ€™s income has barely moved, while living costs have continued to rise. Annโ€™s dividend income has grown over time and now exceeds Philโ€™s, while her portfolio value has also increased significantly.

The lesson?

Dividend investing is not just about chasing the highest yield today. It is about building an income stream that can remain sustainable, grow over time, and support your long-term goals.

When building a dividend portfolio, it is worth considering:

โ–ช๏ธ The sustainability of the dividend
โ–ช๏ธ The companyโ€™s ability to grow earnings
โ–ช๏ธ Diversification across sectors
โ–ช๏ธ Your investment timeline
โ–ช๏ธ The impact of inflation on future income

A high dividend yield may look attractive on paper, but if that income does not grow, its purchasing power can gradually fall behind.

Are your dividends simply paying income today, or are they helping build income for tomorrow?

General information only. This is not personal financial advice. Please seek advice from an appropriately qualified professional before making investment decisions.

Ever opened social media and suddenly felt like everyone else is further ahead financially?Someone is renovating. Or som...
01/07/2026

Ever opened social media and suddenly felt like everyone else is further ahead financially?

Someone is renovating. Or someone is travelling through Europe, and someone has paid off their mortgage at 34.

That feeling is often called financial FOMO, and it can quietly influence the way we spend, save and make decisions.

The problem is, we are often comparing our full financial reality to someone elseโ€™s curated highlight reel.

What we do not see is the debt, pressure, family support, inheritance, trade-offs or stress behind the scenes.

Financial confidence does not come from keeping up with everyone else.

It comes from knowing where you stand, understanding your goals, and making decisions that are right for your life, not someone elseโ€™s feed.

The goal is not to make financial decisions that look good online.

It is to make decisions that support the life you actually want

Most of us left school knowing how to calculate the area of a triangle.But how many of us learnt how credit card interes...
17/06/2026

Most of us left school knowing how to calculate the area of a triangle.

But how many of us learnt how credit card interest works? Or how super compounds? Or what a realistic emergency fund looks like?

Financial literacy is one of the most important life skills we can have, yet it is still rarely taught in a practical, real-world way.

Understanding the basics is a great place to start. But when it comes to making decisions about your finances, superannuation, investments, protection, retirement or business needs, personalised advice matters.

At Finance and Risk Consultants, we work with individuals, business owners and their professional advisers to help develop strategies tailored to their specific needs.

Financial literacy is not just a school subject. It is a life skill, and it is never too late to build confidence around your financial future.

๐†๐ข๐Ÿ๐ญ๐ข๐ง๐  ๐ซ๐ฎ๐ฅ๐ž๐ฌ: ๐ ๐ž๐ง๐ž๐ซ๐จ๐ฎ๐ฌ ๐ข๐ง๐ญ๐ž๐ง๐ญ๐ข๐จ๐ง๐ฌ, ๐ฌ๐ญ๐ซ๐ข๐œ๐ญ ๐ฅ๐ข๐ฆ๐ข๐ญ๐ฌTransferring assets to family is a natural retirement impulse; however,...
03/06/2026

๐†๐ข๐Ÿ๐ญ๐ข๐ง๐  ๐ซ๐ฎ๐ฅ๐ž๐ฌ: ๐ ๐ž๐ง๐ž๐ซ๐จ๐ฎ๐ฌ ๐ข๐ง๐ญ๐ž๐ง๐ญ๐ข๐จ๐ง๐ฌ, ๐ฌ๐ญ๐ซ๐ข๐œ๐ญ ๐ฅ๐ข๐ฆ๐ข๐ญ๐ฌ

Transferring assets to family is a natural retirement impulse; however, Centrelink has clear rules around this. You can gift up to $10,000 in a financial year and a maximum of $30,000 over a rolling five-year period without penalty. Anything above these limits is treated as a "deprived asset" and counted as if you still own it for five years from the date of the gift.

๐‘๐ž๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐ข๐ง๐  ๐š๐ฌ๐ฌ๐ž๐ญ๐ฌ ๐Ÿ๐จ๐ซ ๐š ๐›๐ž๐ญ๐ญ๐ž๐ซ ๐จ๐ฎ๐ญ๐œ๐จ๐ฆ๐ž

This is where real value is unlocked, and where the difference between a well-advised and an unadvised retiree can be measured in tens of thousands of dollars over a retirement:

ยท ๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ ๐ข๐ง ๐ฒ๐จ๐ฎ๐ซ ๐ก๐จ๐ฆ๐ž. Renovations, upgrades, or paying down a mortgage all convert assessable assets into an exempt one. Every dollar shifted into your principal residence reduces your assessable asset base.
ยท ๐…๐ฎ๐ง๐ž๐ซ๐š๐ฅ ๐›๐จ๐ง๐๐ฌ ๐š๐ง๐ ๐ฉ๐ซ๐ž๐ฉ๐š๐ข๐ ๐Ÿ๐ฎ๐ง๐ž๐ซ๐š๐ฅ๐ฌ. Funeral bonds are exempt from the assets test up to $15,750 per person. Alternatively, a prepaid funeral plan with a valid contract is fully exempt with no upper cap, making it the more powerful option for many retirees.
ยท ๐‚๐จ๐ซ๐ซ๐ž๐œ๐ญ ๐š๐ฌ๐ฌ๐ž๐ญ ๐ฏ๐š๐ฅ๐ฎ๐š๐ญ๐ข๐จ๐ง๐ฌ. Centrelink requires second-hand value, not replacement or insurance value. A fair estimate for home contents is typically $10,000 for couples and $5,000 for singles.
ยท ๐’๐ฉ๐ž๐œ๐ข๐š๐ฅ ๐ƒ๐ข๐ฌ๐š๐›๐ข๐ฅ๐ข๐ญ๐ฒ ๐“๐ซ๐ฎ๐ฌ๐ญ๐ฌ. Eligible family members can contribute up to $500,000 into a Special Disability Trust for a family member with severe disability without triggering gifting rules, with assets inside exempt from the assets test up to $832,750.

The Age Pension should not be an afterthought. For many Australians, it is a meaningful and growing component of retirement income. The question is whether you have a plan to claim your full entitlement or are simply hoping for the best.

Your employer now contributes 12% of your ordinary earnings into super, but for most Australians it's still not enough t...
20/05/2026

Your employer now contributes 12% of your ordinary earnings into super, but for most Australians it's still not enough to fund the retirement they're imagining.

The good news? Topping up your super, even modestly, can be one of the most tax-effective financial decisions you make.

๐“๐ก๐ซ๐ž๐ž ๐ฌ๐ญ๐ซ๐š๐ญ๐ž๐ ๐ข๐ž๐ฌ ๐ฐ๐จ๐ซ๐ญ๐ก ๐ค๐ง๐จ๐ฐ๐ข๐ง๐ 
ยท ๐’๐š๐ฅ๐š๐ซ๐ฒ ๐ฌ๐š๐œ๐ซ๐ข๐Ÿ๐ข๐œ๐ž. Redirecting pre-tax pay into super, may reduce your taxable income and turbocharge your balance simultaneously.
ยท ๐‚๐š๐ซ๐ซ๐ฒ-๐Ÿ๐จ๐ซ๐ฐ๐š๐ซ๐ ๐œ๐จ๐ง๐ญ๐ซ๐ข๐›๐ฎ๐ญ๐ข๐จ๐ง๐ฌ. If your total super balance is below $500,000 on 30 June of the previous tax year), you can carry forward unused concessional cap amounts from the previous five financial years, potentially allowing a much larger tax-deductible contribution in one hit. This window closes for unused amounts from 2019โ€“20 after 30 June 2026.
ยท ๐†๐จ๐ฏ๐ž๐ซ๐ง๐ฆ๐ž๐ง๐ญ ๐œ๐จ-๐œ๐จ๐ง๐ญ๐ซ๐ข๐›๐ฎ๐ญ๐ข๐จ๐ง. If you earn $62,488 or less and make after-tax contributions, the government will match up to $500 of your personal contributions, essentially free money. However, there are other requirements to meet to qualify for the co-contribution.

Every dollar you contribute today compounds inside a low-tax environment for potentially decades. The best time to start was yesterday; the second-best time is now.

๐‘บ๐’–๐’‘๐’†๐’“๐’‚๐’๐’๐’–๐’‚๐’•๐’Š๐’๐’ ๐’„๐’๐’๐’„๐’†๐’”๐’”๐’Š๐’๐’๐’‚๐’ ๐’„๐’๐’๐’•๐’“๐’Š๐’ƒ๐’–๐’•๐’Š๐’๐’๐’”The annual concessional contributions cap is $30,000 per person for the financi...
06/05/2026

๐‘บ๐’–๐’‘๐’†๐’“๐’‚๐’๐’๐’–๐’‚๐’•๐’Š๐’๐’ ๐’„๐’๐’๐’„๐’†๐’”๐’”๐’Š๐’๐’๐’‚๐’ ๐’„๐’๐’๐’•๐’“๐’Š๐’ƒ๐’–๐’•๐’Š๐’๐’๐’”

The annual concessional contributions cap is $30,000 per person for the financial year 2025/26.

Carry forward rules may be used if your Total Super Balance was below $500,000 on 30 June 2025, and if you have unused concessional caps from previous financial years (starting from the FY 2020/21).

If eligible and youโ€™re below age 67, you can make these contributions without having to meet the work test.

If eligible and youโ€™re aged between 67 & 75, you must meet the work test or meet the one-off work test exemption rules to be able to make personal deductible contributions.

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ž๐ฅ๐ข๐ ๐ข๐›๐ฅ๐ž ๐ญ๐จ ๐œ๐ฅ๐š๐ข๐ฆ ๐š ๐ญ๐š๐ฑ ๐๐ž๐๐ฎ๐œ๐ญ๐ข๐จ๐ง ๐Ÿ๐จ๐ซ ๐ฉ๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ ๐œ๐จ๐ง๐ญ๐ซ๐ข๐›๐ฎ๐ญ๐ข๐จ๐ง๐ฌ, ๐ฒ๐จ๐ฎ ๐ง๐ž๐ž๐ ๐ญ๐จ ๐ž๐ง๐ฌ๐ฎ๐ซ๐ž ๐ญ๐ก๐ž ๐œ๐จ๐ง๐ญ๐ซ๐ข๐›๐ฎ๐ญ๐ข๐จ๐ง๐ฌ ๐š๐ซ๐ž ๐ซ๐ž๐œ๐ž๐ข๐ฏ๐ž๐ ๐›๐ฒ ๐ญ๐ก๐ž ๐Ÿ๐ฎ๐ง๐ ๐›๐ž๐Ÿ๐จ๐ซ๐ž ๐Ÿ ๐‰๐ฎ๐ฅ๐ฒ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”, ๐จ๐ซ ๐ž๐ฏ๐ž๐ง ๐ž๐š๐ซ๐ฅ๐ข๐ž๐ซ ๐š๐ฌ ๐œ๐ž๐ซ๐ญ๐š๐ข๐ง ๐ฌ๐ฎ๐ฉ๐ž๐ซ ๐Ÿ๐ฎ๐ง๐๐ฌ ๐ฐ๐ข๐ฅ๐ฅ ๐ก๐š๐ฏ๐ž ๐ญ๐ก๐ž๐ข๐ซ ๐จ๐ฐ๐ง ๐œ๐ฎ๐ญ ๐จ๐Ÿ๐Ÿ ๐ญ๐ข๐ฆ๐ž๐ฌ.

Address

Suite 3. 04, 247 Coward Street
Mascot, NSW
2020

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61283380988

Website

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