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25th January 2016 NRMA Living Well Magazine

Late Life Divorce

Divorce can be a devastating hit our finances let alone to every other area of our life including our relationships, health and careers. In this article Fairfax and Freelance Journalist Sylvia Pennington interviews Certified Financail Planner and founder of SMART Advice Peter Horsfield to get his thoughts and tips for those facing this daunting process of rebuilding ones life after divorce.

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1st March 2016 Living Well Magazine

Granny FlatEver considered moving back in with the kids? What about moving the kids out into their own tiny home? Maybe you want to subsisise your income and try AirBNB with a granny flat in your back yard. Before you do, read our interview with one of the money experts. We discuss with Peter Horsfield Senior Advisor at SMART advice his tips and traps, to ensure you maximise the returns on your investment.

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17th March FINSIA

Confident Women

Peter Horsfield from SMART Financial Advice says in his experience women tend to establish an SMSF after attaining a large sum in their employer super or industry super fund from an event like a redundancy or retirement.

Read our full interview with Peter about his experince, with women, their money and how they are beating men at manageing their own SMSF's.

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1st December Banjo Loans Blog

Financial Coach

At Banjo, we appreciate that the right business coach can add real value to your business, acting as a mentor and helping to develop new revenue lines, drive profitability and introduce better business processes. But it’s important to work with a coach who has demonstrable ability assisting previous clients to grow their business to ensure you get the biggest benefit possible.

We interview Peter Horsfield, a financial planner with SMART Advice who has used a coach as a business consultant to help improve his enterprise.

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July 21st 2015 Australian Property Investor

SMSF Spliting up

At the Australian Property Investor our focus is to find the best way for you to achieve your property ownership and goals sooner. On this journey many couples contemplate establishing a SMSF and  borrow to purchase their property.

We interview Certified Financial Planner Peter Horsfield of SMART advice for his thoughts about SMSF, property ownership within SMSF and divorce. 

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SMH Money 15th September 2015

Moving out for the first time? Here's how to budget

The sixth in the SMH Basic Training Series Larissa Ham inteviews Peter Horsfield Certified Financial Planner and Founder of SMARTadvice on some basic tips and advice for anyone starting to manage their own financial future. 

Never fear, we're here with a few tips on staying in the black.

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Vet Practice Magazine 10th July 2015

iStock 000034152084 XXXLarge PPBlake Dennis Editor of Vet Practice Magazine talks with Certified Financial Planner and founder of SMARTadvice Peter Horsfield about why cashflow is just as important to business as it is our personal lives. More importantly he discusses "red flags" to watch out for, ensuring you keep on track and businesses doesn't go bad overnight.

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The Age: Money Section 2nd July 2015

How to overcome share market anxieties

Fairfax Money reporter David Wilson interviews Certified Financial Planner Peter Horsfield on how we can over come sharemarket trading anxieties.

With new buzz words like momentum trading, neuro-investing, behavioural based, contrarian and many more its easy to be confused not know what to do.

Whats the best approach to investing?

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NRMA Living Well: Independent Living. 11th May 2015

Living WellFor organised types who like to have their house in order well in advance, what are some of the financial things that might warrant attention before June 30 rolls around?

Super top-up

If you're over 50, still working and not salary sacrificing the maximum $35K per annum into your super fund then consider doing so, if funds permit, before the new financial year begins. Concessional super contributions are taxed at just 15 per cent, which means you'll pay less to the ATO while increasing the size of your nest egg, according to Sydney financial adviser Peter Horsfield.

Topping up can be especially effective when applied in conjunction with a 'transition to retirement' strategy.

For more read the full article at https://www.mynrma.com.au/living-well-navigator/independent-living/are-you-ready-for-tax-time.htm

 

NRMA Living Well 22nd April 2015

Big Ticket

So what's the best strategy to ensure we're not caught short when these items need unexpected or urgent replacement?

Does it make sense to upgrade your wheels, white goods and home furnishings before you retire and are still earning in the hope of enjoying several trouble-free years with your new kit? Or does setting aside funds specifically for major purchases as they're needed make better sense financially?

The latter, says financial adviser and SMARTadvice founder Peter Horsfield.

He advocates having a healthy cash cushion on hand before downing tools. Think a minimum year's worth of living expenses in cash or easily accessible term deposits, plus an additional three months' of emergency funds.

Meanwhile, "don't trouble trouble until it troubles you," Horsfield counsels.

"Don't buy a whole lot of new stuff just before you retire - think more about the opportunity you have to de-clutter," he says.

For more read the full article: https://www.mynrma.com.au/living-well-navigator/independent-living/budgeting-for-big-ticket-items.htm

Sydney Morning Herald (Money) 31st March 2015

Common Coinage

"Clearly there is a strong argument for having an Anzac dollar," says financial strategist Peter Horsfield. He highlights multiple benefits, ranging from the end of transaction currency costs to a more efficient tax system between the two neighbours.

Another advantage of a trans-Tasman dollar is that it would strengthen the historically entrenched unity between the two countries, bolstering economic co-operation and shared values: the young, predominantly Anglo-Saxon Commonwealth countries have an Anzac identity, cemented by the same legal, political, religious and social structures, Horsfield says.

"So, yes, there are many fundamentally sound reasons and efficiency benefits proposing an Anzac dollar," he says, but he has qualms. 

To read the full article: http://www.smh.com.au/money/investing/could-common-coinage-bring-us-together-20150331-1m81g2.html

ABC National (Adelaide) 891 7th April 2015

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ABC National (Adelaide) 891 Afternoons with Host Sonya Feldhoff.

Listen to the podcast here:

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SMH My Small Business 15th March 2015

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It is not a sign of weakness if you pause occasionally, reflect and breathe.

In fact, giving the other party a chance to say their piece can prove potent in a tense or protracted negotiation as slowing the pace can help you reassess, regroup and return with an effective counter.

"Let the other person talk and allow one breath before you reply," says certified financial adviser Peter Horsfield, who describes his job as "one part financial adviser, one part marriage counsellor".

"This tactic will ensure the speaker feels heard and it will give you some time to reflect before replying."

Focus on the issue, not the individual

Professional negotiators who seal deals never launch personal attacks on their opposite number.

Business is business and as soon as your client/supplier/distributor hears name-calling or foot-stomping, you've lost your deal-making power.

"This is important as people who feel judged often close up or counter attack," Horsfield says.

"The key to negotiating is to keep conversation going and find grounds of similarity that both parties can agree to work on together."

Read the full article: http://www.smh.com.au/small-business/managing/seven-crack-negotiating-tactics-20150314-13qgwk.html

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Information published on this website has been prepared for general information purposes only and not as specific advice to any 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. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Past performance of financial products is no assurance of future performance.