December 2017

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 Money and Relationships and provide you with information on Insurance in Super and explore the issue of what to serve over the holiday period and suggest a Healthy Apple Crumble.

If you would like to discuss any of the issues raised in this newsletter, please don't hesitate to contact us.

In the meantime, we hope you enjoy the read.

Steve's Tid Bits are included again as we know many of you are enjoying these.

Our office will be closed from Monday 18th December and will re-open on Monday 8th January.

We will be checking messages left on our answering service as well as emails, so if you need us please let us know.

Best regards Steve and Janet

Money and relationships

Leaving the single life behind to become a twosome is an exciting and romantic time. The last thing on your mind is how to manage your joint finances. Yet relationship success and financial success as a couple have a lot in common. Both rely on good communication and negotiation.

Money may not be romantic, but it's important to get into the habit of talking openly about joint finances from the start. It will give you both insight into each other's personal and financial goals and a better chance of marrying them into a joint financial plan.

While both partners need to be involved in financial decision-making, the way you divide financial tasks and responsibilities is a personal matter. One of you may be more confident or interested in budgeting and investing while the other prefers to concentrate on other household tasks. But even if one person assumes more of the day-to-day financial management, both partners need to understand what money is coming in... Read More

Insurance in super - is your cover adequate?

If you've got super you probably have some life insurance included. It's an easy way to get a basic level of cover, but is it enough to give you and your family true peace of mind?

More than 70% of Australians hold life insurance policies, more than 13.5 million separate policies, through their super funds.i Yet despite this, underinsurance remains a huge problem in Australia.

Rice Warner estimates that the median level of life cover in super meets only 60% of the basic needs for the average household and less for families with children. The position is even worse where total and permanent disability (TPD) and income protection cover are concerned. The median level of cover in super will provide just 13% of TPD needs and 17% of income protection needs.

Of course, some insurance is better than no insurance and insurance in super is convenient to set up and pay for. But it comes with a couple of points to be aware of and this is where... Read More

Healthy Apple Crumble

You'll need:


  • 6 medium-sized apples approx 1 kg (pink lady, fuji or golden delicious)

  • 1 cup 100% apple juice

  • 1 teaspoon vanilla extract

  • 1/2 teaspoon ground cinnamon

  • zest from 1/2 orange

Crumble topping

  • 1 1/2 cups rolled oats
  • 50 g organic desiccated or flaked coconut
  • 1/2 teaspoon ground cinnamon
  • 1 teaspoon vanilla extract, paste
  • 3 tablespoons organic maple syrup
  • 3 tablespoons macadamia nut oil
  • handful macadamia nuts


What's great about it:

Apples are high in fibre (around 5 g) and they contain both soluble and insoluble fibre which is great for a healthy digestive system. The soluble fibre is known as pectin and the beauty of this fibre is that it has the power to help lower cholesterol, keep you regular and stabilise blood sugar, as well as decrease the appetite for hours. I've also used macadamia nut oil in my recipes which works as an anti-inflammatory and replaces traditional trans fats + margarines found in most store bought...Read more


Arrow Focus on Wealth

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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.