Life First Advice
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Perspectives on the decisions that matter

Practical thinking on financial decisions, business-owner choices, Work-Optional planning and investment markets — organised by the decisions they help you make.

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Super & Investing

What do you actually own inside your super?

The name on a super statement is not the same thing as the investments beneath it. Understanding that difference is a better starting point than reacting to headlines.

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Property & Markets

Australian property and the risk beneath the cycle

A comparison with US property history is not a crash forecast. It is a prompt to consider valuation, leverage, employment and liquidity together.

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Super & Investing

Are industry super funds too big to fail?

As large super funds own more private assets, liquidity during member switching—and the separation of advice from products—deserve closer attention.

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Property & Markets

Can property prices keep rising faster than incomes?

Housing affordability is a real problem. But price-to-income ratios alone are not a reliable forecast of what land prices must do next.

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Asset Allocation & Markets

Why we remain cautious on private credit

A smooth return can conceal changes in the assets and risks underneath. Here is why looking past the headline yield matters.

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Work-Optional

You can’t compound time later

The biggest possible retirement balance is not always the point. What might enough let you do while you still have the time and energy?

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