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October Financial Planning Newsletter

In our newsletter, we start off with what you need to consider for your parents aged care.

For small business owners, it is easy to lose track of your business's main focus when caught up in day to day work. So, here is 10 tips to lead your business to healthy success.

Following on, if you didn't contribute the concessional $25,000 during last financial year. Good news! You still have time to catch up.

We wrap it up with a October market update, and 10 habits you MUST avoid in order to live a healthy life.

If you would like more information on any of the articles below, please contact our office on 02 9327 4338 or


Mike Sikar

Founder and Principal Adviser

Plan ahead for the aged care you want, for your parents

Helping parents make the transition into supported living can be challenging, but forward planning and open communication can help everyone. Here are some things to consider together.

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10 monthly tasks for good business health

Time flies when you're running your own business. Days can quickly turn into weeks as you focus on the day-to-day work. And sometimes you can work so hard it’s easy to lose sight of the big picture. Our monthly checklist will ensure you keep your business on track.

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Catch-up concessional contributions

From 1 July 2018, if you have a total super balance of less than $500,000 on the previous 30 June and you make or receive concessional  contributions (CCs) of less than the concessional contributions cap of $25,000 pa, you may be able to accrue unused amounts for use in subsequent financial years.

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ThreeSixty Research Market Update - October 2019


  • Some indicators point to a heightened risk of recession in the US, but for now inflation remains slightly above target and wages are still expected to rise.

  • The global downturn in manufacturing is deepening, although the services sector remains a bright spot, supported by consumer spending.

  • UK prime minister Boris Johnson remains hamstrung by the parliament and will continue negotiating the fraught issue of the Irish backstop.

  • The Chinese economy is feeling the pinch from the trade war as authorities continue to free up liquidity and increase spending on infrastructure to support growth.

  • Given the softness in Australian economic growth and inflation, the RBA is increasingly likely to cut rates a further 25 basis points to 0.50% by early 2020.

If you have any questions regarding this report or would like to discuss your portfolio, please contact me directly on 02 9327 4338

Read full October 2019 market update report  >>

10 Morning Habits Damaging your Health

The first things we do each morning set the tone for the entire day ahead. If we awake tired and stressed, versus energized and ready to take on the day, most likely that feeling will stick with us throughout the rest of the day, affecting more than just our mood.

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