The Price of Success

Darwin Twilight WaterfrontEvery day we are bombarded with media, work colleagues, strangers, families and friends judgments about our body shapes.


Our feelings of self-worth, twisted and magnified by our own expectations, past experiences and the physical changes due to our hormones and the foods and drinks we consume.


The good news is that we are not our past and each day we have the opportunity to live, believe in and do the activities to bring us closer to experiencing our ideal lives.


In life I’ve learnt that success is simple, but not easy. You simply need to know specifically what you want, know how much it will cost and pay for it.


I also know that change can happen in a moment, however coming to the decission to change can take years if not decades.


Recently I decided to change my relationship with food and myself and pay the price to achieve my goal.


While early days i.e. six weeks in. I am now back to my preferred weight of 78 kg (shedding 13kg/ 28.5 pounds) and more importantly comfortably maintaining it. I feel physically, emotionally and mentally stronger and in doing so  feel more energised and having greater clarity to make better choices than reactive and emotionally poor ones.


What did this success cost me? Financially nothing. In fact I’ve saved money, over $1,000. However the cost of withdrawal symptoms in addition to the effort to create better habits was both an emotional and physical hefty price to pay and to a lesser amount the ongoing price for success.


Healthy food and appropriate exercise are vital to us experiencing a higher quality of life. Better still by engaging in more in activates aligned to our core values, we are more empowered to do more while also enriching the lives of others, simply by interact in a more positive way; further increasing our chances of success.






Here's what the experts say:


Nic Makim is a health coach [holistic nutritionist + naturopath} and wellness blogger.  Nic’s primary focus is helping fellow busy working Mum’s look and feel their best with solutions for weight loss, vitality and stress.  Deliciously healthy food, superfood smoothies, yoga and good vibes are her jam.


Nutritional cleansing is my number one tool for achieving incredible results for weight loss, vitality and energy levels.  Once all those three goals have been reached with the help of nutritional cleansing self-confidence and body shape skyrockets.  The cleansing component of weight loss is incredible important as this addresses toxicity and inflammation and integral part of optimal wellness and feeling fabulous.


Exercising every day with a mixture of cardio and resistance training.  I find vinyasa yoga is great for stress management and resistance training.


Managing stress is really important part of weight loss, moving past the weight loss plateau, boosting energy levels and for self-confidence.  There are an enormous variety to styles of yoga to suit everyone especially great for runners. 

Shari Ware is a Weight Loss Mindset Mentor and a qualified Personal Trainer. She has personally lost 100kg and is keeping it off.

It’s all about Mindset.  If your head is not in the right place, then you won’t succeed long term.

The very first thing I address is the client’s why and why not’s. Overcoming the why nots are quite often the most important part of the process. “We all know HOW to lose weight, so why don’t we?  It’s not until the scales tip in favour of the reasons why, that we will be successful.

My clients who have had long term success, shows up in their mindset. Anyone can make changes for a short period of time, but if you have a weight problem it is usually a long term issue, so changes need to also be long term in order to not only lose the weight but to keep it off. 

There are lots of other things that help successful clients to keep going along the way, such as education, planning and preparation and a good support system. However, the long and short of it is, if they have what I call their “Why Power” sorted, they will be successful no matter what.  When their “Why Power” is strong enough, it doesn’t matter what obstacle is thrown in their way, they will eventually overcome it and keep moving in the right direction.

If I were to make a list, of really important for successful long term weight loss it would be as follows:

  1. Mindset
  2. Nutrition
  3. Support
  4. Exercise


Jonathan Cawte is a Sydney-based sports scientist who is best known for teaching executives how to lose 20 kilograms or more within time poor or high-pressure

The following are Seven Common Mistakes that Executives Don’t Know They Are Making


  1. Thinking sleep is negotiable
  2. Using caffeine to wake up and alcohol to go to sleep
  3. Keeping temptation within arm’s length
  4. Solving the same problem every week
  5. Exercising with a bad attitude
  6. Refusing to ask for or accept help
  7. Losing faith (fixed mindset) 


These are what cause people to lose control of their weight management and burnout leading to


  1. Fatigue - when all you crave is rest reducing your ability to solve complex problems.
  2. Stress/Disengaged - often executives/individuals just don’t have the energy to spare.
  3. Physical Pain - when even the most basic movements become painful, life is miserable and their state of mind leads to depression
  4. Shame that comes with the struggle to control weight keeping us on the sidelines of life.

The solution


W - Work & Rest Management

E - Exercise 

N - Nutrition

S - Stress Management


By applying the WENS approach first you will support yourself on your journey by minimising uncontrolled eating - fatigue, stress and physical pain. It’s about creating the conditions in which success is possible.



Lorinda Stutterd (APD) has a particular interest in food allergies/intolerances, bariatrics, eating disorders, chronic illnesses and paediatrics. Lorinda is a lover of all food and doesn’t believe in ‘good’ or ‘bad’ foods. She’d rather determine the healthiness of a diet by the amount and frequency in which we consume each of these foods.


The key nutrient I encourage is protein. However, it’s not solely the amount of protein each day, we also need to consider the timing and ensuring our choice of protein is from lean low-fat sources. Protein stimulates the metabolism and keeps us feeling fuller for longer meaning we’re less likely to reach for the lolly jar come 3pm.

A personalised initial meal plan works really well as it gives clients structure and confidence in their food choices. There is no one set diet for success and our plans focus on the goals, food preferences, health status, lifestyle and time which is going to be different for each of us. Practical advice is where we make a real difference in supporting clients achieve their weight loss goals. There are reasons why we at times make poor food choices and the goal is to create personal and effective strategies that minimise these occasions.

The all or nothing approach never works well if you’re looking for long-term results. Those who have changed their lives into healthier/leaner versions of themselves are those who have balance. They tend to know it’s ok to say yes to the occasional tempting sweet they actually desire to eat at that particular time rather than placing certain foods on banned lists or eating simply because it has been offered. Other attributes of those who do well include:

  • Eating slowly and being in better tune with their appetite through knowing when they are comfortably full or experiencing true hunger.
  • Understand planning is half the battle. Knowing what meals will be cooked throughout the week and have back up easy options for times when we are thrown a curve ball in our busy lives. 
  • Vegetables at every opportunity (non-negotiable food group for weight loss).
  • Eat regularly and avoid loading dietary intake all towards the end of the day resulting in binges and altered metabolism.
  • Last of all they don’t diet. Eating for health is a way of life and is not going to be found in a diet supplement, detox or extreme fad.


Liz Richards is a successful author and publisher of Simple Nourishment. She is also a busy allergy conscious mum, who loves making food for her family and friends. I personally can verify the yummy snakes she makes.

Eating to suit our bodies and not other people’s bodies has always been a big part of why Simple Nourishment was created. The important tool of ‘listening to our bodies’ is often taken away from us or we give it away when we choose to follow diets or trends. What works very well for someone else’s body may not work so well for yours but because often we follow blindly through amazing marketing we miss the vital signs which could be: increase in weight, lethargy or weight loss or, we may just choose to ignore them too.

Cutting large parts of our diets be it: Carbohydrates, fats or protein, has effect both on the body and the brain & this is something not many consider as they take off on a path of ‘this is the answer’ Understanding what each of these macro nutrients does for our body is the first step.

Protein – repair cells and make new cells – our body doesn’t store protein

Fats – second source of energy, cell growth and hormone production – our body can store

Carbohydrates – first source of energy for our bodies which our body can store

The most simple and effective way to ‘hear’ our body again is to clean up our eating. In no way do I mean turn vegan and raw overnight(however if that is what you want to do then test it out) but if we minimize the use of ‘processed’ items in our fridge therefore on our plates, MAXIMISE the whole real food in our homes we are sure to excited  by the results. I know you’ve heard it before about taking ‘baby steps’ to achieve a goal but seriously there is no other way of putting it simply or succinctly.

This is the baby step approach that has worked for me and lots of other active health conscious mums that I talk to when changing to a healthier lifestyle:

3 loaves of White Bread > 3 loaves of Whole meal Bread > 1 loaf of Whole meal bread > 1 sourdough rye/spelt loaf every fortnight

Store bought ice-creams > Flavored yoghurt > Natural yoghurt with fresh fruit & honey > Natural yoghurt with berries

Sakarta rice flavored rice crackers > Sakarta rice plain crackers> sakarta whole meal plain rice crackers

Cadbury Rocky Road chocolate > Cadbury plain chocolate > Cadbury Dark chocolate > 70% cacao chocolate > make your own chocolate

Yes we go through some withdrawals but anything worth something is worth some discomfort. Keep the baby steps going to achieve better eating habits – quit the diets and trends – keep it real and there is sure to be happiness.


General Advice Disclosure

Sources of this information are considered to be reliable but are not guaranteed. Information published in this article has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523

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Money Worries? Do this to Stop Worrying!

Stress-FreeMoney issues that can cause stress and the solutions to help.

1."Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery." - Charles Dickens, David Copperfield

Solution:  1. Make more money, 2. Spend less money, 3. Do both 1 & 2.

2. “This would be a much better world if more married couples were as deeply in love as they are in debt.” -Earl Wilson.

Solution: If you are in debt your most important priority is to ensure your debts are manageable and not impacting your choices, quality of life, relationships and aspirations.

3. "Beware of little expenses. A small leak will sink a great ship" - Benjamin Franklin

Solution: Ensure your entire financial house is in order. Know where everything is, how much you have and upcoming financial expenses.

4. “Alice: Would you tell me, please, which way I ought to go from here?
The Cheshire Cat: That depends a good deal on where you want to get to.
Alice: I don't much care where.
The Cheshire Cat: Then it doesn't much matter which way you go".- Lewis Carroll, Alice in Wonderland

Solution: Rediscover and document your core value. Know where you you want to get to and where you are now. Tailor your activity steps, choices and game plan to achieve your financial goals in alignment with your core values. Then do the work to make it a reality, with small optimizing changes along the way.

5. “Man. Because he sacrifices his health in order to make money. Then he sacrifices money to recuperate his health. And then he is so anxious about the future that he does not enjoy the present; the result being that he does not live in the present or the future; he lives as if he is never going to die, and then dies having never really lived.” -Dalai Lama

Solution: Delegate the activities that others can do better and do only the activities that add value to your life eg. exercise more, invest time in building deeper relationships, study and improve your knowledge, experience more, align your career to your "why". Doing so increases your chance of success simply because you will be happier, more present, have more time and doing more of the activities that directly benefit you.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.


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2017 Cairns Business Excellence Awards

15th July 2017 - SMARTadvice Finalist Marketing and Communications Award

Cairns-Chamber-of-Commerce-Awards-2017Peter Horsfield and the team at SMARTadvice are incredibly excited and humbled to have been nominated by their clients and peers for the Marketing and Communications Excellence Award in the 2017 Cairns Chamber of Commerce Business Excellence Awards.

This award recognises organisations that have most effectively capitalised on market opportunities, integrated innovative marketing techniques and driven demonstrable business success.

No matter the outcome Peter, Rosalind and Moiria already feel like winners and are on the right track to provide a service that not only meets, but exceeds client expectations.

Thank you to everyone that nominated SMARTadvice and inspiring us to give you even more value.

SMARTadvice was founded in 2004 as a boutique financial services business with a vison to become a one-stop-shop of for clients.

Peter Horsfield CFP (Certified Financial Planner) and the SMARTadvice team having a combined 60+ years of industry experience and helping people achieve their goals sooner.

In 2014 with improvements in technology, balanced lifestyle aspiration and having world class airport SmartAdvice relocated its head office and team to Cairns and service clients across all Australia and internationally.

More than ever, the financial services industry continues to create confusion and noise in an attempt to gain more of people’s wallet.

SMARTadvice’s message is transparent. We simply help you make smart financial choice based on what’s important to you, and we use a five-step approach to help you make the process as easy and effective for you.

  1. Identify your values.
  2. Set your goals.
  3. Benchmark your current financial reality.
  4. Create your Financial Road Map.
  5. Implement and manage your plan.

If you’ve ever felt overwhelmed by the process of financial planning…if you’ve wondered how to find a financial professional who is both competent and trustworthy…if you know that a strategy would make all the difference to your financial future…if you always suspected you could base your financial plans on something more meaningful than immediate needs and long range financial goals…if you aspire to live your ideal life worry free SMARTadvice and Values Based Financial Planning is for you.



Peter Horsfield


Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523


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What's Your Golden Panda?

Gold PandaIn our busy consumer and capitalist modern day lives, it’s easy to be coaxed into believing bigger is better.

Business leaders set Big Hairy Audacious Goals (BHAG's) for their organisations. Motivational speakers preach “Aim for the stars, because if you miss at least you’ll land on the moon”, whilst talented athletes train for years with their hopes set on Olympic Gold.

We're constantly striving for more; more money, more experiences, more accolades and attention. Whilst forgetting or unaware of how much is really enough.

Often we buy into the misbelief that we’re less than others based on others having more. Which by the way is a fondational globally successful strategy used by advertisers to push their products.

A“caveat emptor” about goals.

I drank all the goal setting cool-aid I could drink throughout my narcissistic youth and adult years.However soon after experiencing my "goal high", I was soon on the chase for another "goal high" to replace the last, and with each new goal, came more risk…

With the clarity of hindsight I now appreciate this was wrong as it developed into an inner personal abusive relationship, i.e. I never felt good enough, overly critical of myself, gave ultimatums and isolated myself.  At the same time my income was sky rocketing and outwardly I was a “success” however I was stuck on this goal/image treadmill that never let up!  

I will save you from the pity party that unfolded, however the experience took me through "the most" personally challenging, grounding and awakening chapters of my life. Then slowly I began to embrace life again, free from burdens, and on a journey of experiencing life to its fullest and at the same time ever renewing inner peace.

Better than aiming for the stars, I started to mine diamonds and gold in my back yard and I discovered some real beauties!

One such diamond came in the form of a business in Cairns. Another in the form of a property purchase at 40% of the original price and most recently and precious discovery of “Enough”, or as I like to call it my "Golden Panda"

How much is enough is as different as we are unique, however knowing what it looks like and finding it is transformational.

For me discovering my “enough” has filled the inner void of not feeling good enough which I now appreciate I was over compensating and masking with BHAG and “look at me” successes.

Discovering my “enough” has freed me from crippling debt, useless must haves and superficial relationships. Most importantly it has allowed me to experience not only financial freedom but psychological freedom as well.

And here’s the kicker about “enough”, it nurtures oneself to become more genuine and authentic, which is actually an attractive and rare quality in our fast paced modern world. It has created an environment that Simply being ME, is my point of difference.

Moving forward I am motivated to uniquely add more value to others, not because I need them to buy (because I already have enough) but because it’s the right thing to do.  

Final thoughts

  • Goals are not in themselves bad however until you achieve them you will experience a self-imprisonment of not measuring up to your own expectations.
  • Having no goals is equally as treacherous as I believe we all have a creative spirit within us egger to express itself in our unique way.
  • Our life experiences are coloured by what our thoughts are. Choose your own adventure carefully!
  • Be kind to yourself, you are important, unique and the winning sperm that won the race of a lifetime!

If you are stuck in a funk or you’re lost in a cloud of complexity feel free to contact me. Most often in life we just need someone to talk things through and to lighten our load a little. The following article may also be of help.


About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523

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