3 Steps to financial success in your 40’s.

Financial Advisor - Smart Happy Money

Have you turned the big 40? This decade is one of the most important when it comes to your financial success. Usually, you are entering a higher income earning period of your life. You may have partnered up, you could have kids. You are dealing with a mortgage or rent, rising living costs, school fees,…

To pay off debt, or invest?

Financial Advisor - Smart Happy Money

Pay off debt or invest One of the most common questions people ask me is whether they should pay off debt or invest? Well, the answer is……. it depends. Actually, the answer could be a little bit of both. Let’s look at an example. Michelle has $500 per month after all her spending needs are…

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…