Longevity and Retirement

There is a perfect storm developing in retirement:- Thousands of Baby Boomers are retiring every week in Australia, and- The 100-year life will soon become common place. The Long and Short of it Longevity is increasing, and a 65-year-old today is living over 10 years longer than their parents and grandparents did. What this means is a longer period to fund in retirement and a requirement for larger retirement benefits.One fundamental problem with retirement planning is that many professionals are under estimating how long they will live. Whilst most people use life...

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Personal Insurance for Medical Professionals

The insurance needs for medical professionals is more complicated than other occupations and requires careful advice regarding your needs. Needs Analysis Part of this financial advice will involve an accurate 'needs analysis'. A needs analysis is conducted prior to taking out personal insurance. It considers your current assets and income, projected future income, liabilities, existing insurance portfolio, and the needs of your family.This information is utilised to calculate the amount of insurance necessary to cover your family. The amount of insurance for a single, newl...

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Negative Gearing – Are Changes on the Horizon?

With the recent election results in Victoria now completed, the nation’s attention is turning to Canberra with one eye on the pending federal election in 2019. It is now a distinct possibility that there will be a change of government, which has us thinking what legislative changes could we expect?Introduction to Negative Gearing Negative gearing has historically been a controversial topic in Australian politics, and it is re-emerging in the media as a potential issue for the next election.In short, investors often borrow money to purchase an income-producing asset. N...

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Guest Blog – Maximising the Return of Your Investment Property we talk about maximising the return on your investment property, we’re referring to several factors that should be considered when calculating your rental income over a 12 month period. It’s not just achieving the highest rent, although this plays a big part, there’s also many other aspects to take in to account. Is there an oversupply problem? As an investor, you are more than likely aware that Melbourne’s inner city has seen a huge growth of the number high-rise developments, creating the idea t...

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Endorphin Wealth Management – New Look Team

Endorphin Wealth Management - New Look Team2018 has been another outstanding year for the practice to date. We’ve been fortunate to be 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!Glenn, Jack and Alisa have all been wonderful 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 ye...

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Congratulations to Robert Rich – IFA Awards – Newcomer of the Year 2018

We’re delighted to announce that Robert Rich has won the award for ‘Newcomer of the Year’ at the 2018 IFA Excellence Awards. It’s an outstanding achievement and a great testament to all the hard work Robert has been putting in for his clients.In his acceptance speech, Robert praised the support of his family, the team at Endorphin Wealth and particularly the support of his mentor and Endorphin Wealth’s Director – Phillip Richards.We look forward to Robert continuing to provide his clients with outstanding service in the years to come!For an obligation f...

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It May Be Time to Reconsider What Retirement Means to You

Whether you’ve been told you should retire at 62, 65, or some other age, only you can decide what is right for you. In fact, you may want to reconsider retiring at all, at least in the traditional sense.Many of us don’t like the circumstances we find ourselves in and look at retirement as the nirvana we’ve been missing. The truth probably lies somewhere between completely dropping out and never retiring.The reason many of us find ourselves in such situations is that we have been sold on an idea about retirement that is flawed: the idea that we should do what we don...

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Endorphin Wealth Management – 2018 IFA Excellence Awards

Endorphin Wealth Management - 2018 IFA Excellence Awards We're delighted to announce that the team at Endorphin have been named as a finalist for the second year running in a number of categories for the upcoming 2018 IFA Excellence Awards. Endorphin Wealth Management Best Client Servicing – CompanyHolistic Advice Firm of the Year (2017 & 2018) Phillip Richards Holistic Adviser of the Year (2017 & 2018)Investment Adviser of the YearPractice Principal of the Year Robert Rich Newcomer of the YearGoals-Based Adviser of the Yearhttps://www.ifa.c...

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Winter 2018 – Client Referral Prize Draw

Winter 2018 - Client Referral Prize Draw Some exciting news for our clients – we’re launching another promotion for our existing clients to reward them for referring friends and family members. We'd love the opportunity to assist the people they know to reach their own financial goals! Leeuwin Estate Art Series - 2016 Sauvignon Blanc, 2016 Riesling, 2012 Sauvignon Blanc Semillon, 2014 Chardonnay, 2014 Shiraz and 2013 Cabernet Sauvignon Entering the draw is easy, simply refer your friend or family member and once we have an obligation free appointment with them you’ll be...

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Commercial Property Investment – 10 Things You Should Know

Research undertaken by the National Seniors Australia showed that regular constant income covering essential needs is their number one priority. With an aging population and around 160,000 new retirees each year, now is a great time to look at the investment options. The retirement income challenge Residential property investments take the lion’s share of media coverage, however investment in commercial property has delivered a very stable return in recent history.Since the mid 1980’s, commercial property in Australia has delivered returns of 9% per annum, this is comp...

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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