The 3 steps to a successful financial plan.

Advisor, Coach, Speaker - Smart Happy Money

Finances can be complex. We have found, through years of working with clients to achieve their goals, that simplicity is the best way to ensure that someone commits to and implements their plan to the fullest extent. At Smart Happy Money we have put together 3 steps that we believe may help you, depending on…

2020 Budget update

Advisor, Coach, Speaker - Smart Happy Money

Last week the federal government delivered the much anticipated (and delayed) federal budget. Gone are the days of debt and deficit as the government begins to spend like we have never seen before to stimulate our economy and create jobs.  Is it enough?  Is it targeted to the right place?  Only time will tell. The…

What is Financial Planning?

Advisor, Coach, Speaker - Smart Happy Money

When people think of financial planning they think about investment management. Where should I invest my money? Who will invest it for me? While this plays a part of a financial plan, and any good financial advisor will recommend that you invest your money a certain way, it is only a small part of a…

Everybody wants to retire, but do you know how it actually works?

Advisor, Coach, Speaker - Smart Happy Money

Most of us have superannuation, and most of us understand, in general, how it works while we work, but how many of us understand how superannuation works in retirement? Firstly, and often most unwisely you can access it as a lump sum and withdraw it from super altogether. This is (usually) not a great option…