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22nd Feb,2018
Article By
Clearway Advice and Financial Management

February | Money Matters Newsletter

Perspective, it’s all in the way we look at things.   WHAT’S YOUR POINT OF VIEW? Perspective, by definition, is ‘ a particular attitude towards or way of regarding something; a point of view’. What we think, impacts what we believe, how we behave and ultimately how we act. The power of our thoughts shouldn’t be … Continue reading February | Money Matters Newsletter

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8th Feb,2018
Article By
ClearWay Advice and Financial Management

New Year | Money Matters Newsletter

The new year is here and with it the endless opportunities we have before us to do more and be more. What are you looking to learn, experience and achieve in 2018? Whatever stage of life you’re at, life’s lessons and its wonders never leave us, but we hold the keys to unlock the life … Continue reading New Year | Money Matters Newsletter

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25th Jan,2018
Article By
ClearWay Advice and Financial Management

We’re Hiring | Senior Administration Role

    Senior Administration Role: Innisfail Office Based ClearWay Advice and Financial Management     “By failing to prepare, you are preparing to fail.”  ― Benjamin Franklin     We are preparing for the retirement of a longstanding, key member of our admin team and anticipate the successful applicant will commence in this new role in February … Continue reading We’re Hiring | Senior Administration Role

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14th Dec,2017
Article By
ClearWay Advice and Financial Management

Merry Christmas And Thank You

From myself, Bev, and everyone here at the ClearWay Advice team, we hope you have a wonderful Christmas and New Year. Thank you again for being part of our lives.

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13th Nov,2017
Article By
ClearWay Advice and Financial Management

Congratulations Jae!

Congratulations Jae! We are thrilled to announce that Jae has recently become Licenced as an Authorised Representative and is now a Financial Planner. After 5 years with the practice, in a Client Relationship Manager role, she is looking to engage more directly with clients in her own right. Jae originally joined the team in Innisfail … Continue reading Congratulations Jae!

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28th Sep,2017
Article By
Clearway Advice and Financial Management

With financial decisions are we our own worst enemies?

We Are Our Own Worst Enemies! True or False? When it comes to financial decisions, the answer is often “True”. The making of decisions, especially financial decisions, involves all sorts of emotions. The decision involves the allocation of financial resources, of relatively scarce resources, of money, to the achievement of a multitude of wants, desires, … Continue reading With financial decisions are we our own worst enemies?

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31st Aug,2017
Article By
ClearWay Advice and Financial Management

Stress test your financial situation

There are many questions that you could potentially ask in order to stress test your personal finances, however, the following list should hopefully help you to work out how well organised you are when it comes to managing your finances and preparing for those “what if” events that can crop up in life. Do you … Continue reading Stress test your financial situation

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30th Jul,2017
Article By
ClearWay Advice and Financial Management

FREE Money Matters workbook – Teaching Children About Money

DOWNLOAD HERE: Money Matters workbook – Teaching Children About Money. Teaching children simple concepts about money is an important way to help them understand the value of money. It’s never too early to start teaching children about money.

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23rd Jul,2017
Article By
ClearWay Advice and Financial Management

It’s Time You Took Income Protection Seriously

When it comes to funding your lifestyle expenses and accumulating wealth, one of the biggest resources that you have is your capacity to earn an income. If you were suddenly unable to work for a period of time due to a sickness or injury, Income Protection may be able to protect your earning capacity. When an Income … Continue reading It’s Time You Took Income Protection Seriously

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20th Jul,2017
Article By
ClearWay Advice and Financial Management

Five things every early retiree needs to know!

The concept of an early retirement sounds great in theory: reducing the working years to spend more time relaxing and enjoying not having to rush off to work each morning. But in reality, whilst we do have more time to enjoy retirement, we also have less time to build wealth or prepare for our retirement. … Continue reading Five things every early retiree needs to know!

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7th Jul,2017
Article By
ClearWay Advice and Financial Management

It’s Never Too Early Or Too Late To Save For Retirement

Theoretically, how much money you need in retirement depends on a number of factors, but the hard one is – how long you will live. Although there is no crystal ball for this, we know that improved healthcare and advances in technology has resulted in people living longer than their parents’ generation. When budgeting for … Continue reading It’s Never Too Early Or Too Late To Save For Retirement

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7th Jul,2017
Article By
ClearWay Advice and Financial Management

6 Ways To Support Ageing Parents

We often hear in the media about the topic of Australia’s ageing population. Many of these discussions are centred on the challenges of caring for an increasing proportion of the population who are no longer part of the workforce. It is also commonly noted that adult children are taking more active roles in caring for … Continue reading 6 Ways To Support Ageing Parents

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7th Jul,2017
Article By
ClearWay Advice and Financial Management

Your Will Checklist

Estate planning is the planning you do in relation to the management and passing of your assets and liabilities upon your death, involving a Will. When you die, your assets will go somewhere, whether you have consciously planned it or not. The Will is the main document to facilitate the distribution of an individual’s assets. Below … Continue reading Your Will Checklist

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7th Jul,2017
Article By
ClearWay Advice and Financial Management

5 Reasons Why You Need To Review Your Personal Insurance

Your personal insurance is an important part of your financial plan as it provides peace of mind and financial protection to you and your family in the event of death. Often Total and Permanent Disablement cover is also ‘bundled’ with Life insurance, this covers the scenario where you are unable to work due to total and permanent disablement, … Continue reading 5 Reasons Why You Need To Review Your Personal Insurance

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7th Jul,2017
Article By
ClearWay Advice and Financial Management

What’s Stopping You From Achieving Your Goals?

What do you think stands between you and where you want to be? Is it having enough time or money? Your health or resources? Is it fear of failure? This short video follows six individuals: A winemaker, tap dancer, skateboard artist, boxer and sailor who are all pursuing their passion. It takes a look at how they’ve overcome … Continue reading What’s Stopping You From Achieving Your Goals?

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7th Jul,2017
Article By
ClearWay Advice and Financial Management

Retirement Living – More Than Meets The Eye

As people get older and look to change their living arrangements, they are faced with a myriad of options, often making it difficult to decide exactly what their next best step may be. Whether you’re looking at options for yourself or a family member, your ultimate aim is to make the choice that can give … Continue reading Retirement Living – More Than Meets The Eye

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6th Jul,2017
Article By
ClearWay Advice and Financial Management

Superannuation Options Nearing Retirement

Generally you will only be able to access your superannuation if you can meet specific benefit payment standards known as “conditions of release”. For most people this will be when they permanently retire after reaching their preservation age, when they turn 65 or if they terminate an employment arrangement after age 60. There are a range of … Continue reading Superannuation Options Nearing Retirement

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22nd Jun,2017
Article By
ClearWay Advice and Financial Management

The Most Common Mistakes Retirees Make And How To Avoid Them

As Benjamin Franklin most famously said, “If you fail to plan, you are planning to fail”. It’s no secret that retirement planning can be complex and often requires careful consideration of retirement goals, tax structures, social security legislation, investment options, risks and alternative strategies to ensure you can live a comfortable life in retirement. A … Continue reading The Most Common Mistakes Retirees Make And How To Avoid Them

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22nd Jun,2017
Article By
ClearWay Advice and Financial Management

First Home Super Saver Scheme – What you need to know

First homebuyers and superannuation One of the biggest anticipations in the 2017 Federal Budget was the Government’s approach to improving housing affordability for first homebuyers. Under the newly proposed ‘first home super saver scheme’: From 1 July 2018, first homebuyers will be allowed to withdraw their voluntary superannuation contributions (plus earnings) for use as a deposit … Continue reading First Home Super Saver Scheme – What you need to know

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22nd Jun,2017
Article By
ClearWay Advice and Financial Management

10 Tips for Teaching Children about Money

Teaching children simple concepts about money is an important way to help them understand the value of money. It can also help them to discover the relationships between earning, spending and saving and can go a long way to setting them up for a successful financial future. Many adults may avoid talking to kids about … Continue reading 10 Tips for Teaching Children about Money

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1st Jun,2017
Article By
ClearWay Advice and Financial Management

Introducing our New Financial Knowledge Centre

As part of our commitment to providing a leading service and trusted advice to you, we are pleased to announce the launch of our new and comprehensive online resource the ClearWay Advice Financial Knowledge Centre. This online resource provides you with a wealth of valuable online information, updates, videos and much more. FULL ACCESS FOR CLIENTS Existing clients … Continue reading Introducing our New Financial Knowledge Centre

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7th Feb,2017
Article By
Peter Jordan - ClearWay Advice and Financial Management

Life Insurance Packages – know what you are buying

I read an article recently written by a financial counsellor/ commentator who was providing advice about personal insurance. I’m not sure if he has any qualifications in this field, but an accountant friend of mine had indicated his work was worth reading. On the topic of insurance, he talked about topping up the cover available … Continue reading Life Insurance Packages – know what you are buying

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31st Jan,2017
Article By
Peter Jordan - ClearWay Advice and Financial Management

What Value Do You Get from a Financial Planner

When I talk about the value of a Financial Planner I am speaking about a degree qualified Certified Financial Planner (CFP), and preferably one who is engaged by a FPA Professional Practice firm. I also think it is important that the advisors remuneration not be based on the amount of money invested or the insurance … Continue reading What Value Do You Get from a Financial Planner

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2nd Jan,2017
Article By
Peter Jordan - ClearWay Advice and Financial Management

New Year’s Resolutions

How are you going with your New Year’s Resolutions? What were they – did you write them down, perhaps summarise them onto memory cards, recite them over and over to lodge them firmly in your brain? How much did they really mean to you? Is it really that important to you to reduce the home … Continue reading New Year’s Resolutions

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6th May,2016
Article By
Peter Jordan - ClearWay Advice and Financial Management

The 2016 Budget; How it could affect you?

On Tuesday evening the Treasurer released the 2016 Budget, and superannuation featured prominently in this year’s budget. We have sourced commentary from Colonial First State, which can be found via the Colonial First State article below, but in general the key matters to consider are the following: 1. For most retirees, the budget has little … Continue reading The 2016 Budget; How it could affect you?

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17th Nov,2015
Article By
ClearWay Advice and Financial Management

Preparing for Retirement

Being ready for retirement is necessary to ensuring the positives of change far outweigh the negatives.  We have explored in our blog post, ‘Retirement: Is it all good?’ (read that here) the issues associated with retirement and the need for advance preparation. What can you do? Firstly, get your financials in order.  Understanding your financial … Continue reading Preparing for Retirement

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17th Nov,2015
Article By
ClearWay Advice and Financial Management

Retirement; Is it all good?

For many years, researchers have grappled with the stress and other negative impacts of retirement.  It is an odd concept; something we have looked forward to for much of our working lives should be a time of great joy and excitement. The reality is that retirement is a major life change, and change, for many … Continue reading Retirement; Is it all good?

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17th Nov,2015
Article By
ClearWay Advice and Financial Management

Change can be scary: Retiring is emotionally challenging

One of the key components of the service offering of any Financial Planner is assisting clients through the process of retirement. Understanding how change affects you will assist in improving the outcome that you will experience when it comes to retiring. There are a lot of changes to adapt to when ceasing employment and, for … Continue reading Change can be scary: Retiring is emotionally challenging

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17th Nov,2015
Article By
ClearWay Advice and Financial Management

Workplace accidents cost lives.

Former Brisbane Broncos, Queensland and Australian Rugby League Star, Shane Webcke, has an important message for us all: “I lost my dad in a workplace incident, so I know first-hand that family and loved ones are the most important reason for work safety.”  Having been affected by something that we should all guard against, be … Continue reading Workplace accidents cost lives.

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17th Nov,2015
Article By
ClearWay Advice and Financial Management

Trusted Advisors

Advice on your financial life is critical to the goals you set out. Advisors, financial planners and general insurance specialists are there to help you make important decisions that can have a critical impact on your future.  Unfortunately, in this industry, it is common for people in these positions to steer your decisions in a direction … Continue reading Trusted Advisors

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17th Nov,2015
Article By
ClearWay Advice and Financial Management

Studies indicate the associated health impacts of ignoring financial advice

Retirement should not be looked at from a pessimistic perspective; rather than simply signifying the end of your working life, it is the start of a new life.  Financial advice is key to planning your future.  The Canadian Financial Planning Standards Council (CFPSC) recently completed a wide ranging, longitudinal study which sought to understand the … Continue reading Studies indicate the associated health impacts of ignoring financial advice

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17th Nov,2015
Article By
ClearWay Advice and Financial Management

A secure financial future: Do you wish to retire comfortably?

Do you stress about money, about not having enough in retirement?  Do you worry that you won’t be able to enjoy your retirement, and the impact that has on your family?  Many of us spend time stressing about our financial future, especially when it comes to considering our retirement and how long our financial resources … Continue reading A secure financial future: Do you wish to retire comfortably?

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17th Nov,2015
Article By
ClearWay Advice and Financial Management

Did you know: Financial planning eliminates stress?

Oxford Dictionary defines stress as ‘a state of mental or emotional strain or tension resulting from adverse or demanding circumstances’.  It has been reported upon countless occasions that finances are the number one cause of stress on individuals.  In the U.S., survey results showed that 76% cited finances as one of their major concerns (source: … Continue reading Did you know: Financial planning eliminates stress?

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23rd Oct,2015
Article By
ClearWay Advice and Financial Management

4 things that make retirement stressful (and how to get past them!)

Are you thinking about retirement? It’s no secret that most of us are so overwhelmed by the topic, that we’d sooner mow the lawns of every local park, than give it a moment’s thought. But, it doesn’t matter if it’s one, two, or 30 years away, the time to start planning for it is now. … Continue reading 4 things that make retirement stressful (and how to get past them!)

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14th Oct,2015
Article By
ClearWay Advice and Financial Management

Money Matters | Spring Newsletter

Hello and welcome to our Spring edition of Money Matters. This issue focuses on the important topic of Estate Planning, along with a message from Shane Webcke of workplace safety, and how facing your finances can change your health for the better. We hope you enjoy the read. From the team at ClearWay Advice and … Continue reading Money Matters | Spring Newsletter

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6th Oct,2015
Article By
ClearWay Advice and Financial Management

Income Protection: Have you insured your greatest asset?

Your lifetime income is worth more than anything else you own and it could be taken away from you in an instant.  Without income protection, you could find yourself in a very difficult situation.  We make a point of getting to know and understand each of our clients to ensure we provide each person with … Continue reading Income Protection: Have you insured your greatest asset?

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6th Oct,2015
Article By
ClearWay Advice and Financial Management

Home Insurance: Take the time to get it right today, your Family will thank you the day you need it

It is impossible to predict exactly what might happen next week, let alone a minute from now.  Although we can all hope that disaster will never target us, this is something we have no control over.  Our General Insurance team are experts in this area and can ensure that your home and buildings have the … Continue reading Home Insurance: Take the time to get it right today, your Family will thank you the day you need it

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6th Oct,2015
Article By
ClearWay Advice and Financial Management

Business Insurance: When you need it, you will be glad you reviewed it with us

Owning a business is a serious responsibility.  As an owner or as a key decision maker, you are both accountable and responsible for any consequences.  It is important to ensure that you are aware of and prepared for any risks that could occur.  We can help you to understand what this means for you and … Continue reading Business Insurance: When you need it, you will be glad you reviewed it with us

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6th Oct,2015
Article By
ClearWay Advice and Financial Management

Renewing your Business Insurance

Commission costs you.  Your insurance broker may well have told you that their pay is in the form of product and that as a result, you don’t have to pay anything.  However, this is untrue.  Your premium is higher because the broker is taking that commission.  In truth, you pay premium and you pay extra … Continue reading Renewing your Business Insurance

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27th Sep,2015
Article By
ClearWay Advice and Financial Management

The Value of Advice – Superannuation

Superannuation may well be the biggest investment you make over your lifetime, and in many cases the end value will far exceed the value of your home. Superannuation is complex and recent studies have shown that there is significant value for members in getting advice about the many aspects of the fund to ensure that … Continue reading The Value of Advice – Superannuation

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8th Sep,2015
Article By
ClearWay Advice and Financial Management

Shane Webcke: A Message we all need to Remember

Former Brisbane Broncos, Queensland and Australian Rugby League Star, Shane Webcke, has an important message for us all: “I lost my dad in a workplace incident, so I know first-hand that family and loved ones are the most important reason for work safety.”  Having been affected by something that we should all guard against, be … Continue reading Shane Webcke: A Message we all need to Remember

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8th Sep,2015
Article By
ClearWay Advice and Financial Management

Unplanned Succession: the Precarious Position

You may just be getting started or perhaps you are at the top of your game.  You are not intending to leave or hand over your business for years to come.  How could this possibly be of relevance to you?  If the success of your business is not dependant upon your contributions then, by all … Continue reading Unplanned Succession: the Precarious Position

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8th Sep,2015
Article By
ClearWay Advice and Financial Management

Prepare for Internal Succession to Secure your Future

One of the major challenges for any business is the transition between generations.  As the business owner comes to the end of their active career, choosing and integrating a successor is integral to the legacy of the business.  There are a number of key issues associated with succession in small business that make it difficult … Continue reading Prepare for Internal Succession to Secure your Future

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8th Sep,2015
Article By
ClearWay Advice and Financial Management

Getting the best value for your Business when you sell

Selling your business is a large undertaking and not be approached without sufficient preparation.  In order to ensure you are getting the best value, there are several things you need to act on.  Ask yourself key questions about your business; Is your business worth as much as it could be?  Have you done everything you … Continue reading Getting the best value for your Business when you sell

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4th Sep,2015
Article By
Clearway Advice and Financial Management

Succession Planning; Prepare for the unexpected

Succession Planning is a process used in business to identify people internally who are able to fill key leadership positions within your company when they become available.  Review what you do every week in your business.  Which of those tasks could you confidently delegate to someone else in your business tomorrow?  Are they important tasks? … Continue reading Succession Planning; Prepare for the unexpected

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30th Aug,2015
Article By
Clearway Advice and Financial Management

ClearWay Advice and Financial Management: Trusted Advisors

Advice on your financial life is critical to the goals you set out. Advisors, financial planners and general insurance specialists are there to help you make important decisions that can have a critical impact on your future.  Unfortunately, in this industry, it is common for people in these positions to steer your decisions in a direction … Continue reading ClearWay Advice and Financial Management: Trusted Advisors

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14th Aug,2015
Article By
Clearway Advice and Financial Management

Preparing – is your Estate in order? Disorder can cost you in the end

Estate Planning allows you to nominate what is to come of your possessions once you are gone.  This is not to say it is simply about who inherits the China tea set or who claims your DVD collection.  It is to protect your family and loved ones, to alleviate them from the burdens and stresses … Continue reading Preparing – is your Estate in order? Disorder can cost you in the end

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14th Aug,2015
Article By
Clearway Advice and Financial Management

Estate Planning isn’t age restrictive

Estate Planning might not be the hottest topic amongst younger crowds, the unfortunate reality is that you never know when or what you need to be prepared for.  Whilst less common for younger people to be struck by illness, it does happen. Scott Sullivan of Brisbane, who was diagnosed with Motor Neurone Disease (MND) at … Continue reading Estate Planning isn’t age restrictive

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13th Aug,2015
Article By
Clearway Advice and Financial Management

How to approach the subject of Estate Planning with your parents

It’s not easy to broach the subject of Estate Planning, but it is necessary.  Anything can happen and the older we are, the more likely it will.   Your mum has dementia or your dad fell and he hasn’t fully recovered; now what?  It’s difficult to talk to your parents about ‘the inevitable?’.  The reality is … Continue reading How to approach the subject of Estate Planning with your parents

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9th Jul,2015
Article By
Clearway Advice and Financial Management

What’s the value of advice?

In 1952 it was normal to retire at the age of 65 with a life expectancy of 69. This meant just four years of retired bliss. Fast-forward to present day where we start retiring from 60 and live on average to be 85 years old.  We now have 25 years of unemployment to enjoy. Fantastic, … Continue reading What’s the value of advice?

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11th Jun,2015
Article By
Clearway Advice and Financial Management

Looking for a boost of up to 50% on your investment this financial year?

If you make a non-concessional contribution to your super fund before June 30, you may be eligible to a co-contribution from the government, providing a boost of up to 50% on your contribution. For those who are eligible, the Government Co-Contribution scheme is a great way to increase your retirement savings, with the help of … Continue reading Looking for a boost of up to 50% on your investment this financial year?

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11th Jun,2015
Article By
Clearway Advice and Financial Management

End of Financial Year: Small Business Tax Tips

With the end of the 2014/2015 financial year looming around the corner, and the recent budget still in our recent memory, there has been a wide range of changes, benefits, and opportunities that small business owners should be aware of. The big dip down to 28.5%  In the 2015 budget, the Treasurer revealed that incorporated … Continue reading End of Financial Year: Small Business Tax Tips

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11th Jun,2015
Article By
Clearway Advice and Financial Management

Should I make a super contribution before EOFY?

The 30th of June comes around every year, it’s that day that many dread, but with a little planning ahead of time, there’s no reason why you can’t go into the new financial year feeling a little more optimistic and excited about your financial future. Superannuation remains an incredibly tax effective investment when saving for … Continue reading Should I make a super contribution before EOFY?

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13th May,2015
Article By
Clearway Advice and Financial Management

2015 Budget: Pension access to become more difficult to access for self-funded retirees

This year’s budget included a range of changes across the board, leaving some better off, and some a little worse for wear. Perhaps one of the more pressing changes for retirees is the proposed changes to the pension asset test. While not having an immediate impact (with much of the proposed change to take effect … Continue reading 2015 Budget: Pension access to become more difficult to access for self-funded retirees

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13th May,2015
Article By
Clearway Advice and Financial Management

2015 Budget: Rebalancing Parental Support

As part of the 2015 budget, the government has announced multiple policy changes that will reduce benefits to some parents in an effort to encourage new mothers back into the workforce. Parental Leave The new policy, which is proposed to take effect on 1st July, 2016, will prevent parents from benefiting from claiming both the … Continue reading 2015 Budget: Rebalancing Parental Support

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13th May,2015
Article By
Clearway Advice and Financial Management

2015 Budget: Business Tax Breaks

The 2015 budget has seen a new focus on increasing tax breaks for small business, with companies with annual turnover under $2,000,000 to receive a 1.5% tax cut, to 28.5%, while those earning more will continue to pay 30%. Small businesses that are unincorporated, such as sole traders and partners in partnerships, will be able … Continue reading 2015 Budget: Business Tax Breaks

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15th Apr,2015
Article By
Peter Jordan

I’m ready to retire! Do I have enough super? 


You’re nearing retirement, you’ve passed the family business down to the kids and you’ve picked up the brand new Winnebago (or perhaps booked flights for a month in the south of France). However, there’s one big question running through the back of your mind – do I have enough superannuation to last through my retirement? … Continue reading I’m ready to retire! Do I have enough super? 


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