3 ways to teach your kids about money

Financial Advisor - Smart Happy Money

Do you have kids? Well, they are not born understanding money. Most of what kids learn comes from you, the parent. Here’s 3 ways to teach your kids about money. 1: Be open and honest. Teach your kids about the family finances. Tell the 5-year-old that you aren’t buying the toy they want because you…

What is Financial Planning?

Financial Advisor - 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?

Financial Advisor - 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…

It’s all about the cash flow. 3 Tips to control yours.

Financial Advisor - Smart Happy Money

Have you ever heard the term ‘Cash flow is king’? Usually it is said in reference to small (or large) business. It means that it doesn’t matter how much money comes through the door, if more goes out then your business is in trouble. You and I are the same. In our personal financial journey,…

A new era, a new way of financial advice and……….. a new name.

Financial Advisor - Smart Happy Money

In 2006 I decided to strike out on my own and begin a financial planning practice. My desire at that time was to help people save for their retirement and make sure that if they passed away, their families were protected through life insurance. It has been a wonderful journey through the past 14 years…