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In your 40s, you are more likely to have more debt and financial responsibility than at any other point in your life and it can be busy as a result. Your career is likely to be in full swing and you may have a hectic family life.  The right financial plans can help you navigate […]

No matter your life circumstances, navigating the financial aspects of a divorce can be challenging, particularly when emotions are running high. However, there can be several added layers of complexity for those residing overseas. Here are our tips for managing finances and divorce as an expat. #1 Speak with a divorce attorney who understands the […]

ANZAC Day is one of the most important days on the Australian calendar, a day when we remember and honour our servicemen and women who’ve helped protect the wonderful country and way of life we enjoy today. It’s a day to celebrate the everyday Australian values – mateship, courage, and selflessness. Each year I write […]

There is often a misconception that financial planning is most useful for those nearing retirement or people who have assets, but the reality couldn’t be more different. In fact, studies show that those who start planning for the future earlier in life achieve better outcomes in both the short and long term. In your 30s, […]

There is often a misconception that financial planning is most useful for those nearing retirement or for people who have significant assets, but this couldn’t be further from the truth. In fact, many studies show that those who start planning for their future earlier in life achieve better financial outcomes. For most of us, our […]

Last night’s budget announcement proposed a number of measures to relieve pressures on household spending, particularly for families and low-income earners. Here is our wrap-up of the key initiatives. You can also download our full summary, including key measures for business, here. Increased tax offset for those earning less than $126,000 per year The Government […]

As we come out of one of the most uncertain periods in living memory, many of us are evaluating what’s really important to us. For some, this has taken the form of thinking about our legacy – how can we make a difference? One of the best ways to positively impact the world is charitable […]

Daniel Kalisperis is an Adviser with Apt Wealth. Daniel has been in the financial advice industry since 2016, as a paraplanner and client services manager, before joining Apt in 2022. He is passionate about helping people plan for and realise their dreams and has experience working with the intricacies of SMSFs and Corporate Trustees. He […]

The Apt Wealth Partners team is celebrating the achievements of multi-talented athlete, Paralympian and Apt Wealth client, Ian Gainey, who recently completed his 30th Melbourne Marathon in a specially designed wheelchair. While the 69-year-old says the 2021 marathon was his last, he has enjoyed an incredible sporting career that has taken him all over the […]

Our Northern Beaches-based financial planners can partner with you to build a road map to your financial and life goals.   Your Apt Financial Planner starts by understanding you to create your unique plan that can include: