Retirement planning – will you outlive your savings?

As you think about your retirement planning, here’s the good news: there’s a great chance you will live longer than you think you will! The results of a UK survey show a strong tendency amongst retirees to underestimate how long they believe they will live. So, for instance, respondents thought that of 10 men in good health at age 65, only two of those would live to the age of 90. In reality, that number is closer to four – and rising.That has to be good news doesn’t it?Well yes, to a point. The good news starts to lose its shine when we look at the typical retir...

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February 2018 – Market Commentary

February 2018 - Market Commentary You could be forgiven for thinking the recent minor correction to the investment markets were going to be a lot worse than they ended up being. Emotive headlines of the last week included ‘Global Share Markets Plummet’ and ‘Aussie Share Market Bloodbath’. These were then followed the next day by ‘Wall Street’s Stunning Recovery’ and ‘Market Claws back $17bn’. The point is it’s easy to get caught up in the attention grabbing headlines the media give us. Of course, at Endorphin, we continue to focus on long-term opportunities...

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Salary Sacrifice – How Does It Boost My Super?

  Salary Sacrifice - How Does It Boost My Super? Salary Sacrifice is a great strategy to help you boost your superannuation balance from pre-tax income. Amounts are limited to $25,000 for the FY17/18 including the amount paid by your employer as Super Guarantee. Tax savings can be as much as 30% on the amount contributed depending on your current marginal tax rate.Despite the salary sacrificed amounts into superannuation being income tax free, a 15% contributions tax still applies on the way into your superannuation fund. For individuals with taxable income greater th...

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New Team Members

2017 has been such a fantastic year for the practice, we’ve been able to assist many new clients and grow their assets. We’ve also seen a growth to our personnel over the year with three new employees being added to the team!Jennifer, Nicholas and John have all been perfect additions to our team – enabling us to provide a much higher level of service to our clients. We’re certainly glad that they’re with us and look forward to watching their careers develop with the practice over the coming years.Their profiles have been updated on our Our Team page if you wou...

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International Investments – Are they worth a look?

International investments are not something that a lot of Australians tend to think about when they consider their investment options. Perhaps there is a sense of having less control, or a perception of increased volatility. But the reality is that to ignore international investment options as part of your portfolio’s mix is to potentially miss out on some good opportunities.Take the last 12 months for instance. Investment management company Vanguard has reported 22.29% grown in its International Shares Index Fund over the past year. This compares with their Australian Sha...

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Retirement planning in action: Judy’s story

We recently received a lovely note from a retirement planning client, Judy.I've not long returned from the closing night of the Italian Film Festival ... with the British Festival book in hand. It looks brilliant! Lots more enjoyment ahead for the newly retired. This morning while sitting in the gentle spring sunshine over a cup of coffee and the newspaper, I thought about how fortunate I was to be able to plan the rest of my day, and future retirement days. I feel like I have complete control over my time and so am open to spontaneity. After working for over four-and-a-ha...

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Tax Effective Investment

Tax Effective Investment We find this time of year is perfect to reflect on our client’s financial situation from the year past. How was your household income? How did your assets perform? What expenses did you incur, and what can you do to reduce them in the future? Have you optimised your financial position? Whilst we’re on the topic of expenses, have you considered your largest expenses and ways to reduce them? You may be able to contact your bank and negotiate a better mortgage rate. Perhaps with some tutoring, your child can earn a scholarship to the private school? B...

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IFA Excellence Awards 2017

Phillip and Robert attended the IFA Excellence Awards in Sydney last week as finalists in two categories: - Holistic Advice Firm Of The Year, and - Holistic Adviser Of The Year – Phillip RichardsThe IFA ( celebrates and supports advisors that are not aligned with the large financial institutions. There has been a consistent demand in the market for non-aligned advisors and we are very proud here at Endorphin to offer our clients unbiased and tailored advice.It was a fantastic achievement to be recognised by our peers as leaders in our field ...

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Retirement Planning – How Much Super Do I Need To Retire?

Retirement Planning – How Much Super Do I Need To Retire? It’s one of the most common questions we’re asked by clients seeking advice on their retirement planning needs. How much Super do I need to retire? It’s a complicated question to answer off the cuff as it depends on several variables. Age, other assets, attitudes towards risk and of course the type of lifestyle you would like to live in retirement can have a role to play. Always start with the end in mind As with any goal, to understand the path, we must determine the desired result. Questions like ‘When woul...

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Wealth Management – Investing in North America

Wealth Management – Investing in North America The United States has been the world’s largest economy since 1871. We have been invested in the region since the onset and we continue investigate this part of the world for wealth management strategies for our clients.The US is highly advanced in terms of technology and infrastructure and makes up 25% of the global gross product. There's a myriad of options available too, with some 2,800 companies being actively traded on the New York Stock Exchange. Standard & Poor’s 500 Index The S&P 500, seen as a leading in...

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What our Clients Say

  • Robert Rich is a gun and has been a pleasure to work with, he spent a lot of time asking questions and listening to both my husband and I to get a deep understanding of our current financial situation of who we are and where we want to be. His advice has been comprehensive and easy to understand. The genuine interest and enthusiasm he has demonstrated has made the whole experience to date, fun and engaging (it has also been awesome to see some great financial results!). Rob is a great communicator and is always available to chat, meet up or respond to an email. We wish we had seen Rob earlier, and plan to have him as our advisor now and into the future, I have and will continue to recommend him and his services.

    - Ellen Bond

  • Rob has been fantastic helping us set all our financials in order. We didn't want to have to worry about any of this stuff day to day. Rob put together a set and forget strategy that will see us in good shape for the future. Good guy, good advice, great help. Thanks again Rob

    - Andy Wright

  • My husband and I had a wonderful experience with Rob. He is genuine and honest. He has done amazing things with our finances to ensure our future is set up the right way. He has gone above and beyond our expectations. I highly recommend Rob, he is an expert in his field.

    - Anthea Husing

  • love working with Robert. He is highly skilled, practical and empathic. Nothing is a problem and he goes ‘above and beyond’. I have no hesitation in recommending Robert as an excellent financial advisor.

    - Rebecca Carter

  • Robert has managed our finances over the last 12 months as if they were his own. He has an eye for detail and is incredibly enthusiastic. We have recommended him to all our friends & family.

    - A. Miles

  • Rob has handled our finances for some time now. He provided us with sound advice and options. I highly recommend his services.

    - Mathew Quinton

  • Robert Rich provided me excellent financial advice and assistance in finding the right insurance for me. He was incredibly patient, and I'd recommend him without hesitation.

    - Edward Murrell

  • Rob has been helping me with my finances for just over 12 months now and i couldn't be happy, he is a wealth of knowledge and is amazing at what he does.

    - Paul Scott Ray White

  • Phillip and the team provide quality advice. They carefully explain the available options and clearly set the client's interests as the priority.

    - Jon Sutton

  • Rob has provided fantastic advise and clarity to myself and clients

    - James Ruddick

  • Great guys! Amazing financial advice.

    - Jay Boston

  • I cannot say enough about their professional manner and would highly recommend anyone I know to seek their services

    - Heather B

  • Your knowledge of the financial market is up to date and your approach to my portfolio has been proactive

    - Michael S

  • Thanks to Endorphin, I am now on the path to that dream of mine

    - Jake F

  • The plan has definitely made a big difference to my lifestyle

    - Josie W

  • It has been quite exciting and very comforting to have Endorphin looking after my financial future

    - Susan A

  • They provided me with a sense of direction and security that I did not have previously

    - Michelle C