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We wish you and your family an enjoyable festive season.

We begin our final newsletter for the year talking about retirement. Not everyone’s retirement will look the same. Whatever your retirement looks like, set goals early on. Here are four common goals to get you started.

In early October, lending criteria changed. If you’re considering buying a home, you should understand what changes were implemented as this could impact how much you may be able to borrow.

After months of lockdown, Australian's are on a spending spree and, it's not your regular spending spree – it's called revenge spending. If you've got money to burn, think carefully about how much you can spend without going into too much debt. We've got some tips to keep you on track.

There are many services available when it comes to Aged Care. You or your parents could be looking into home care services or relocating to an aged care facility. Discover what traps to avoid in this article.

When you’re on holiday choosing what to eat can be difficult. We’ve provided a few recipes and budgeting tips so you can still eat delicious food while you're on holiday without breaking the budget.

We love to hear from you, so please feel free to contact us with any questions about our articles in this newsletter on +61 3 9620 1642 or email aem@yourpfs.com.au

Kind regards,

Angela Martyn

Four common retirement goals

A comfortable retirement looks different for everyone, but most investors share some common goals. We've broken those down into four key categories to help you start planning today. Read more >>

Raising the bar

With the Australian property market continuing to rise, APRA has stepped in tightening lending criteria. Read more >>

The dos and dont's of revenge spending

After months in lockdowns and living under tight restrictions, many Australians have gone on a "revenge spending" spree. But before you go out and buy buy buy, do a financial stocktake to see if those purchases are viable and that your emotions aren't ruling your reality. Read more >>

5 costly aged care mistakes to avoid

Australia's aged care system is incredibly complex, and making the wrong decisions can have a high cost, both financially and emotionally. Being aware of the common traps to avoid can help your family save time, money and stress. Read more >>

5 great tips for healthy and simple holiday cooking

Creating healthy meals while you're on holidays can seem like a challenge: you're out of regular routine and removed from the comfort of your own kitchen. Read more >>