New Month New Growth

Welcome to the latest edition of our client newsletter!

We've included a mix of articles designed to share our insights and experiences, we hope you enjoy reading them.

In this edition we discuss Spring Cleaning your Finances and provide you with information on Gender and Finances and includes a recipe, this time for Ratatouille, a favourite of Janet's but not so much for Steve.

Steve's' "Did You Know" Tid Bits are also included to either amaze or amuse you.

If you would like to discuss anything in this newsletter, please don't hesitate to contact us.

In the meantime, we hope you enjoy the read.

Regards Steve and Janet Culpitt

The Perfect Ratatouille

What's great about it:

Technically a fruit, tomatoes are loved around the world for their versatility, rich red colour and flavour. Tomatoes are a wonderful source of vitamin B6, C, K, beta-carotene, potassium and manganese. 
Zucchinis are a good source of B group vitamins, which are essential for energy metabolism. The vitamin C, beta-carotene and phytonutrients, give zucchini's their antioxidant properties. Capsicums are available in a range of vibrant colours, which all contain the natural painkiller capsaicin, clinically proven to be useful against arthritic pain. Capsicums are an awesome source of beta-carotene vitamin C, B6, E and potassium.


Spring cleaning your Finances

The sun is shining, the days are getting longer, flowers are blooming, the department stores are bringing in their Christmas stuff... yes, spring is finally here. Everyone knows that spring is the season of fresh starts. Most people will take the opportunity to do a bit of spring cleaning, getting to all those pesky once-or-twice-a-year jobs around the house. But right now is also a great time of year to review your finances.

Why now? Well, with the end of the last financial year and your tax return well behind you, you've got some great data to help you reset your goals and measure your progress by.


Gender and Finances - Closing the gap

In terms of financial matters, women have come a long way over the last few decades. From the days when a man was a plan, and the 'fairer sex' relied on their fathers or husbands for security, women have only become more independent and financially savvy.

That's not to say there is no room for improvement, you just have to look to the gap in relation to wage parity to know that we still have a way to go. Although the gender pay gap in Australia is decreasing over time to a new current low of 16%, women tend to dominate in lower paid industries and be under represented in senior roles and on boards.


Arrow Focus on Wealth

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Worongary Qld 4213
P 07 5530 3500
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Steve Culpitt is a Sub Authorised Representative ( AR 270473) of Arrow Focus on Wealth.
Arrow Focus on Wealth Pty Ltd is a Corporate Authorised Representative (CAR 270472) of GPS Wealth Ltd AFSL 254 544 Australian Credit Licence 254 544 ABN 17 005 482 726 General Advice Warning: This communication contains general advice only. The information has not been prepared to take into account your specific objectives, needs and financial situation. The information may not be appropriate to your individual needs and you should seek advice before making any decisions regarding any products or strategies mentioned in this communication.
Disclaimer: Whilst Arrow is of the view the contents of this article is based on information which is believed to be reliable, its accuracy and completeness are not guaranteed and no warranty of accuracy or reliability is given or implied and no responsibility for any loss or damage arising in any way for any representation, act or omission is accepted by Arrow or GPS Wealth Ltd or any officer, agent or employee of Arrow or GPS Wealth Ltd.