The following topics are discussed in this newsletter:

• Federal Budget 2020-21 Analysis
• Algorithms driving our narrowing focus
• Managing investment risk in uncertain times
• Life cover : More essential than ever
• Matters of Interest : Electric Vehicle Range and Cost

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The following topics are discussed in this newsletter:

• Time to break up with bad habits?
• Inflation, deflation - what's in a name?
• Getting retirement plans back

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The following topics are discussed in this newsletter:

• Spending insights during COVID19
• Super changes add flexibility
• Watching our online and social spending

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The following topics are discussed in this newsletter:

• Are your insurance needs covered?
• The hunt for divident income in 2020

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The following topics are discussed in this newsletter:

• Election 2019: A vote for continuity in an uncertain world
• Paving your way into a smooth EOFY
• Did you receive a confusing letter or email from your super fund?

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You can access the calculator that you can use for the Woolworths 2019 share buyback offer.

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The following topics are discussed in this newsletter:

• How to keep ahead of the yield curve
• Labor Government's Proposed Changes
• 20/Twenty Challenge - Support our Team "Need for Speed"

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The following topics are discussed in this newsletter:

• 2018 year in review
• Financial rules to live by in 2019
• Small steps add up

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The following topics are discussed in this newsletter:

• Avoiding the holiday debt hangover
• Protecting your family
• Can you afford your dream retirement?
• Discounted Travel Insurance
• Protect your Personal Information whilst on Holiday

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Please find the link below to access the calculator that you can use for the BHP Billiton Limited 2018 share buy back offer.

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Please find the link below to access the calculator that you can use for the RIO Tinto 2018 share buy back offer.

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A word from our Financial Adviser CFP®, Elise Hamill

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The following topics are discussed in this newsletter:

• A little adrenaline can be a good thing
• Super and inheritance : making your wishes known
• Insurance : Advised life insurance beats group cover

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The following topics are discussed in this newsletter:

• Ready...set...Are you good to go for the new financial year?
• Budget changes support a brighter retirement
• Helping you find your financial path
• Saving the Australian Dream - Co-owning with Family or Friends

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The following topics are discussed in this newsletter:

• Franking credits facing the chop
• Switching or consolidating super funds can be a very risky business
• Downsizing - Making extra contributions to Super
• Private Health Insurance Coverage

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