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Insights and guidance to inform and shape your financial fitness

Stay informed and take control of your financial future with our blog. We share expert insights and financial strategies to help you build wealth.

Aug20

Common Super Mistakes

The most expensive super mistakes are the invisible ones. No alert fires, no statement flags them, and nothing feels wrong — until the day the ...

Super is a tool not a retirement plan — Victor Idoko of CFV Advisory on why super stays locked until age 60 and the five-part retirement system Australian families need

Aug19

Super Is a Tool, Not a Plan

Ask most Australian professionals to describe their retirement plan and they will describe their super fund. That is not a retirement plan. It is one ...

Sequence of returns risk hero by Victor Idoko, CFV Advisory — $137,600 five-year gap and $38,600 recovered by a cash bucket

Aug13

Bucket Strategy Explained Simply — For Australians

Sequence of returns risk is the reason two Australians can earn exactly the same average return over five years and finish $137,600 apart. In short: ...

Retirement bucket strategy hero by Victor Idoko, CFV Advisory — 7 years of spending protected and $85,000 target annual spend

Aug11

The Bucket Strategy

A retirement bucket strategy does not change what your portfolio earns. Instead, it changes what you are forced to sell, and when. For an Australian ...

Victor Idoko CFV Advisory Structures Basics July — wealth planning sequence, trusts companies super, business concentration risk and adviser-accountant coordination for Australian dual-income families

Aug07

Wealth Planning Structure Australia: Build It Right

Most high-income Australian families think about structure in the wrong order — and build it for the wrong reason. This July, we spent a month ...

Aug06

Your ‘Enough’ Number at 50

Most couples reach fifty having never once done this calculation. Not because it is hard, but because nobody ever told them it takes twenty minutes. ...