Featured · Business Planning
Why Profitable Businesses Still Run Out of Cash
Profit is an accounting outcome. Cash is a timing outcome. Understanding the gap between them is the single most useful financial skill for an owner.
6 min readProtection
How Much Life Cover Does a Family Actually Need?
Cover is often chosen by premium affordability. A short calculation usually produces a very different, and far more useful, number.
5 min readProperty
Measuring the Real Return on Rental Property
Gross yield flatters. Net yield, after tax, maintenance and vacancy, is the number that allows a fair comparison with other assets.
6 min readFamily Planning
The Cost of Planning Education at Today's Prices
A goal 12 years away cannot be funded using today's price tag. Inflation assumptions are the difference between a plan and a hope.
4 min readBusiness Planning
Separating Owner Wealth from Business Wealth
For many promoters, the business is the asset, the income and the retirement plan. Building a second base changes the risk profile of the whole household.
5 min readFinancial Planning
What a Financial Health Check Actually Measures
A useful diagnostic looks at five things: liquidity, debt load, savings rate, protection adequacy and goal funding progress.
5 min read