Making Micro goals, Working post retirement, Stress free Christmas, the best Salad

As we bask in the warmth of summer, the season of joy and celebration, it’s impossible to ignore the financial challenges and heightened costs of living casting shadows on our holiday cheer. Our neighborhoods are ablaze with festive lights reminiscent of a dazzling Las Vegas, while temperatures soar, signaling the peak of the holiday season. In the midst of year-end celebrations, we find ourselves navigating the delicate balance between indulgence and responsibility, giving our livers and bellies a well-deserved workout.

As we approach the New Year, we often embark on resolutions only to find them shattered by the time the hangover fades. In this edition of Quarterly Insight, we embark on a journey to unravel the secrets of effective goal setting, equipping you with the tools to fortify your resolve and increase the likelihood of success.

In a world where employers are clamoring for workers and cost-of-living pressures present a challenge to pensioners, many find themselves contemplating a return to the workforce. We delve into the tax implications and the impact on superannuation and investments for those considering this path, providing valuable insights to aid in informed decision-making.

For those on the brink of retirement, strategic financial planning is paramount. Discover the potential benefits of a super recontribution strategy in our article, “How a Super Recontribution Strategy Could Improve Your Tax Position,” but remember, always consult your advisor before making significant changes.

As the festive season unfolds, bringing joy but also stress, our article “Am I Normal? Festive Stress” provides valuable tools to navigate the season while safeguarding your mental health.

‘Tis the season of giving, and beyond the quest for the perfect gift lies an opportunity to make a meaningful impact through charity. Our article, “How to Give Back,” explores the financial structures and tax implications for those seeking to extend their generosity beyond family and friends during this festive season.

Lastly, tantalize your taste buds with a festive recipe, the perfect addition to your New Year’s celebration or feasting table.

Thank you for choosing to take your 2023 financial journey with us. We look forward to continuing our work together in the new year. Until then wishing you a delightful read, a safe, and joyous end of the year!