Preparing for an inheritance
What role will an inheritance play in your long-term wealth strategy? If the ballpark numbers are at least remotely close, the amount of assets set to be transferred from one generation to the next in Australia over the coming decades will amount to trillions of dollars. According to estimates within a 2021 Productivity Commission report, Australians […]
The silent partner in your wealth plan
When you think about building wealth, you may picture investments, property and superannuation. But there’s another critical element: insurance. It’s the silent partner in your financial strategy, quietly working behind the scenes to protect everything you’ve built. Strategic asset allocation is the hallmark of a robust wealth plan, using diverse holdings to build long-term financial […]
How Generosity Can Be Part of Your Financial Plan
It’s the season for gifts, sharing meals and spreading cheer. But what if your festive generosity could do more? What if it could ripple through generations, perhaps shaping futures and maybe reduce your tax bill? Giving isn’t just an act of kindness; it can also be a smart financial move. From helping loved ones today […]
Building Wealth that Aligns with Your Beliefs
More Australians are looking for ways to ensure their money reflects what matters most to them. Ethical and ESG-aligned (Environmental, Social, Governance) investing has become an increasingly important consideration – but knowing how to incorporate these preferences into a well-constructed portfolio isn’t always straightforward. That’s why understanding your options, and the role of quality advice, […]
Divorce and Dollars: Five Steps to Stay Financially Secure
Divorce can be one of life’s most emotionally and financially disruptive events. Whether you’re in the early stages of separation or rebuilding after a settlement, understanding the financial implications and taking proactive streps, can make all the difference. More than 47,000 divorces were granted in Australia in 2024, down 3% on the previous year. At […]
From Wind Turbines to Defence Tech: Why Rare Earths Are an Investment to Watch
Few investment sectors combine geopolitical intrigue, technological innovation, and long-term growth potential, quite like rare earth elements (REEs). For Australians, the recent deal with the United States to supply rare earths to seed US$8.5 billion worth of new projects, has thrust the sector into the spotlight.i What are rare earths? Rare earth elements are a […]
Superannuation Taxes: Complex by Design – But Full of Opportunity
If you’ve ever tried to make sense of how your super is taxed, you’ll know it’s not simple. Depending on your balance, age, and investment setup, the same $100 of earnings could be taxed at zero, 10%, 15%, 30% or even 47%. The difference? How the money was made, how long it’s been invested, and […]
Safe Doesn’t Always Mean Secure: Why Standing Still Can Set You Back
In a world of constant financial noise, from market updates and interest rate speculation to economic forecasts, it’s easy to feel overwhelmed and choose to do nothing. But inaction can be costly when it comes to building long-term wealth. Whether it’s leaving money in cash, delaying investment decisions or ignoring the power of regular contributions, […]
How Clear Sky Works
At Clear Sky Financial, our focus is simple – to help everyday Australians make informed financial decisions through professional, personalised advice. We have no association or connection with any of the failed investment products recently discussed in the media, including Shield Master Trust or First Guardian Master Fund. We have never recommended those products, or […]
Planning is More Important Than Ever
Rising Costs, Delayed Retirements, and Shrinking Support – Australians are under pressure like never before! The Household, Income and Labour Dynamics in Australia (HILDA) Survey (i), released by the Melbourne Institute, shows just how much life has shifted over the past two decades. Taken together, these findings highlight the pressure households are under: rising costs, […]
