January 2018

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 Scattered Super ( do you have many all over the place still?) and provide you with information on New Year Resolutions and explore the issue of How to Get Healthy after the holidays. Please share with us any recipes you may have, as recipe sharing is proving very popular with everyone who is reading our newsletters.

If you would like to discuss any of the issues raised in this newsletter, please don't hesitate to contact us.
We are back in the office full time after our holiday break.We had a good break and Steve managed lots of Golf and Janet a lot of resting. We also had family visit from interstate and managed to get through hot summer days with storms and super high humidity. We did manage some lovely walks on the beach with our little dogs and have shared a photo to remind us what a lovely place we have access to.

We look forward to hearing from you along with helping and advising you in 2018.

In the meantime, we hope you enjoy the read.

Best regards Steve and Janet

How to get healthy after the holidays

If you've just come back from holidays, chances are you've indulged in restaurant food and wine, overeaten at the breakfast buffet and possibly had some late nights and less than restful sleep.

While it can be tough to get back into a healthy routine after a lovely hiatus, there are a few non-negotiable strategies that can get you back to a healthy routine quickly.

1. Make yourself a green smoothie or juice daily
Back from a holiday or not, this would be my top tip for anyone wanting to look and feel healthier instantly. Green smoothies and juices saturate the body with nutrients and are a great way to curb those cravings after eating carb heavy breakfasts. Green Juices and smoothies are also packed with chlorophyll to nourish the liver and digestive system and help support detoxification and the elimination of waste.

2. Eat more vegetables
Focus on eating a variety of fresh vegetables at every meal, every day. By sticking to eating real Read more

Scattered super? Consolidate now!

It's not unusual these days to change jobs several times as you build your career. Before you know it, you've got multiple super accounts and a vague feeling that you should do something about it one day. Australians do not consolidate their superannuation accounts for a number of reasons including not knowing how to, believing it would be too difficult and simply not getting around to it.i If this sounds like you, you're not alone.

While it's it is common practice to spread your retirement savings across a wide range of investments, a process known as diversification, it's rarely a good idea to have more than one super account. That's because super isn't an investment, it's simply the structure used to house your investments. When it comes to super accounts, less is generally more.

Consolidating your super can help:
reduce costs by paying only one set of fees and only one set of default life insurance premiums. A portion of your super is used
Read more


New year, new you (for more than a month)

Did you have New Year's resolutions last year? Can you even remember what they were? If the answers to those two questions were 'yes' and 'no', there's a chance it's because you gave up on your promise to yourself within a matter of weeks. In fact, stats from some surveys suggest that only 4% of people who make a resolution stick with it for the whole year, or reach their goal before the year is out.i For many of those, they were already in the right frame of mind to make a big decision. The timing was just a coincidence.

What makes for a successful resolution?
People who succeed with resolutions have a few things in common. By learning from example and setting yourself up well, you can give yourself a better chance.

First things first: whatever goals you set should be S.M.A.R.T. If you're not already familiar with this acronym, it stands for 'specific, measurable, achievable, relevant, time-bound'. Ideally, 'specific' means something Read more

Arrow Focus on Wealth

2 Thredbo Drive
Worongary Qld 4213
W www.focusonwealth.com.au
E janet@focusonwealth.com.au
P 07 5530 3500
Facebook /focusonwealth.com.au 

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.