---
title: WLM Blog | Financial Planning (3)
description: "Financial Planning | More than a blog, this page is where we release our latest market insights, case studies and other timely content. Check back often.  \n (3)"
image: https://insights.wlm.com.au/hubfs/WLM%20Accounting%20Blog.jpg
---

[![WLM_Logo_RGB_Orn50](https://insights.wlm.com.au/hs-fs/hubfs/WLM_Logo_RGB_Orn50.png?width=521&height=169&name=WLM_Logo_RGB_Orn50.png "WLM_Logo_RGB_Orn50")](http://wlm.com.au/)

- [About](https://www.wlm.com.au/about/)
- [Services](https://www.wlm.com.au/services/) 
    - [Tax & Compliance](https://www.wlm.com.au/services/tax-and-compliance/)
    - [Strategy & Advice](https://www.wlm.com.au/services/strategy-and-advice/)
- [Clients](https://www.wlm.com.au/clients/) 
    - [Construction & Trades](https://www.wlm.com.au/clients/construction/)
    - [Family Business](https://www.wlm.com.au/clients/family-business/)
    - [Insurance & Financial Services](https://www.wlm.com.au/clients/insurance-and-financial-services/)
    - [Renewable Energy & Environment](https://www.wlm.com.au/clients/renewable-energy-and-environment/)
    - [Service-based & Other Business](https://www.wlm.com.au/clients/service-based-and-other-business/)
- [Insights & Case Studies](https://insights.wlm.com.au/blog) 
    - [Blog](https://insights.wlm.com.au/blog)
    - [Buying a property with a business partner](https://explore.wlm.com.au/buying_a_property_with_a_business_partner_download)
    - [How to minimise tax & risk with business structure](https://explore.wlm.com.au/business-structure-whitepaper-download)
- [Contact](https://www.wlm.com.au/contact/)

[Login](https://clientlogin-us2.karbonhq.com/4Frhz6cPZq6r)

- [About](https://www.wlm.com.au/about/)
- [Services](https://www.wlm.com.au/services/) 
    - [Tax & Compliance](https://www.wlm.com.au/services/tax-and-compliance/)
    - [Strategy & Advice](https://www.wlm.com.au/services/strategy-and-advice/)
- [Clients](https://www.wlm.com.au/clients/) 
    - [Construction & Trades](https://www.wlm.com.au/clients/construction/)
    - [Family Business](https://www.wlm.com.au/clients/family-business/)
    - [Insurance & Financial Services](https://www.wlm.com.au/clients/insurance-and-financial-services/)
    - [Renewable Energy & Environment](https://www.wlm.com.au/clients/renewable-energy-and-environment/)
    - [Service-based & Other Business](https://www.wlm.com.au/clients/service-based-and-other-business/)
- [Insights & Case Studies](https://insights.wlm.com.au/blog) 
    - [Blog](https://insights.wlm.com.au/blog)
    - [Buying a property with a business partner](https://explore.wlm.com.au/buying_a_property_with_a_business_partner_download)
    - [How to minimise tax & risk with business structure](https://explore.wlm.com.au/business-structure-whitepaper-download)
- [Contact](https://www.wlm.com.au/contact/)

# News, views and more

More than a blog, this page is where we release our latest market insights, case studies and other timely content. Check back often.

### Most Recent

**[Categories](https://insights.wlm.com.au/blog/tag/financial-planning/page/3#!)**

- [Accounting](https://insights.wlm.com.au/blog/tag/accounting)
- [Business Owners](https://insights.wlm.com.au/blog/tag/business-owners)
- [Australian Taxation Laws](https://insights.wlm.com.au/blog/tag/australian-taxation-laws)
- [Financial Planning](https://insights.wlm.com.au/blog/tag/financial-planning)
- [Tax Planning](https://insights.wlm.com.au/blog/tag/tax-planning)
- [ATO](https://insights.wlm.com.au/blog/tag/ato)
- [Superannuation](https://insights.wlm.com.au/blog/tag/superannuation)
- [Professionals](https://insights.wlm.com.au/blog/tag/professionals)
- [Home Owners & Investors](https://insights.wlm.com.au/blog/tag/home-owners-investors)
- [Family Business](https://insights.wlm.com.au/blog/tag/family-business)
- [25/26 Financial Year](https://insights.wlm.com.au/blog/tag/25-26-financial-year)
- [Renewable Energy & Environment](https://insights.wlm.com.au/blog/tag/renewable-energy-environment)
- [Self Managed Super Funds](https://insights.wlm.com.au/blog/tag/self-managed-super-funds)
- [23/24 Financial Year](https://insights.wlm.com.au/blog/tag/23-24-financial-year)
- [Construction](https://insights.wlm.com.au/blog/tag/construction)
- [Trusts](https://insights.wlm.com.au/blog/tag/trusts)
- [24/25 Financial Year](https://insights.wlm.com.au/blog/tag/24-25-financial-year)
- [Case Studies](https://insights.wlm.com.au/blog/tag/case-studies)
- [Insurance Underwriting](https://insights.wlm.com.au/blog/tag/insurance-underwriting)
- [Personal Income Tax](https://insights.wlm.com.au/blog/tag/personal-income-tax)
- [Payroll Tax](https://insights.wlm.com.au/blog/tag/payroll-tax)
- [WLM News](https://insights.wlm.com.au/blog/tag/wlm-news)
- [22/23 Financial Year](https://insights.wlm.com.au/blog/tag/22-23-financial-year)
- [26/27 Financial Year](https://insights.wlm.com.au/blog/tag/26-27-financial-year)

[![SMART financial planning for FY24](https://insights.wlm.com.au/hubfs/SMART%20Planning%201200px.png)](https://insights.wlm.com.au/blog/smart-financial-planning-for-2024)

**Financial Planner**

 27 June 2023 —  2 min read

### [SMART Financial Planning for FY 2024](https://insights.wlm.com.au/blog/smart-financial-planning-for-2024)

As we come to the end of the 2023 financial year, I hope you have all had a successful year. It is never too early to look at the year ahead and set financial goals. When setting your financial goals, it’s important to make them “SMART”: Specific,..

[Read more](https://insights.wlm.com.au/blog/smart-financial-planning-for-2024)

[![](https://insights.wlm.com.au/hubfs/The%20Lander%20Report%20Title%20Screen%20w_%20Play%20Icon%20Dec22-1.png)](https://insights.wlm.com.au/blog/market_report)

**Financial Planner**

 26 April 2023 —  4 min read

### [Market Report by Dr Jerome Lander, Dynamic Asset](https://insights.wlm.com.au/blog/market_report)

The most recent update from Dr Jerome Lander is a compelling watch. Investment markets have started the year strong. However, Dr Lander points out, we still face several domestic and overseas challenges. Are markets not factoring in the high risk of..

[Read more](https://insights.wlm.com.au/blog/market_report)

[![Minimise your Personal Tax](https://insights.wlm.com.au/hubfs/Personal%20tax%20plan%202023%201200px.jpg)](https://insights.wlm.com.au/blog/minimise-your-personal-tax-2023-tax-planning-guide)

**Financial Planner**

 23 March 2023 —  7 min read

### [Minimise your personal tax 2023 - Tax Planning Guide](https://insights.wlm.com.au/blog/minimise-your-personal-tax-2023-tax-planning-guide)

Now's the time to review what strategies you can use to minimise your tax before 30 June 2023. 

[Read more](https://insights.wlm.com.au/blog/minimise-your-personal-tax-2023-tax-planning-guide)

[![Financial Independence: Is FIRE for you?](https://insights.wlm.com.au/hubfs/FIRE%201200px.jpg)](https://insights.wlm.com.au/blog/financial-independence-is-fire-for-you)

**Financial Planner**

 27 February 2023 —  2 min read

### [Financial Independence: Is FIRE for you?](https://insights.wlm.com.au/blog/financial-independence-is-fire-for-you)

FIRE… Financial Independence, Retire Early. Sounds nice, doesn’t it?

[Read more](https://insights.wlm.com.au/blog/financial-independence-is-fire-for-you)

[![Is your appraoch to investing right for the times?](https://insights.wlm.com.au/hubfs/Right%20for%20the%20times%201200px.jpg)](https://insights.wlm.com.au/blog/is-your-approach-to-investment-right-for-the-times)

**Financial Planner**

 30 January 2023 —  3 min read

### [Is your approach to investment right for the times?](https://insights.wlm.com.au/blog/is-your-approach-to-investment-right-for-the-times)

The Future Fund and a swathe of leading global investors are now lining up to advocate a new approach to investing suited to the prevailing and prospective conditions.

[Read more](https://insights.wlm.com.au/blog/is-your-approach-to-investment-right-for-the-times)

[![How high will interest rates go?](https://insights.wlm.com.au/hubfs/How%20high%3F%201200px.jpg)](https://insights.wlm.com.au/blog/how-high-will-interest-rates-go)

**Financial Planner**

 24 November 2022 —  2 min read

### [How high will interest rates go?](https://insights.wlm.com.au/blog/how-high-will-interest-rates-go)

Low interest rates have been a mainstay since the global financial crisis of 2008. When the pandemic hit, Governments pushed stimulus measures through the economy and central banks reduced interest rates even further.

[Read more](https://insights.wlm.com.au/blog/how-high-will-interest-rates-go)

[![Cryptocurrency in superannuation](https://insights.wlm.com.au/hubfs/Super%20Crypto%201200px.png)](https://insights.wlm.com.au/blog/australian-super-funds-gorge-on-cryptocurrency)

**Financial Planner**

 26 October 2022 —  3 min read

### [Australian super funds gorge on cryptocurrency](https://insights.wlm.com.au/blog/australian-super-funds-gorge-on-cryptocurrency)

The value of cryptocurrency assets inside Australian self managed superannuation funds (SMSFs) increased by 589.9% ($1.17bn) between June 2019 and June 2022, according to the latest ATO statistics.

[Read more](https://insights.wlm.com.au/blog/australian-super-funds-gorge-on-cryptocurrency)

[![Acquiring collectibles inside your SMSF](https://insights.wlm.com.au/hubfs/side-view-of-a-classic-american-car-from-the-fifties-picture-id1177427320.jpg)](https://insights.wlm.com.au/blog/acquiring-collectibles-inside-your-smsf)

**Financial Planner**

 28 September 2022 —  2 min read

### [Acquiring collectibles inside your SMSF](https://insights.wlm.com.au/blog/acquiring-collectibles-inside-your-smsf)

Clients with self-managed superannuation funds (SMSF) often ask what assets the SMSF can acquire. The golden rule for acquiring assets inside your SMSF is to ask why?

[Read more](https://insights.wlm.com.au/blog/acquiring-collectibles-inside-your-smsf)

[![Bull or Bear: What does the future hold for investors](https://insights.wlm.com.au/hubfs/Bull%20vs%20Bear%201200px.jpg)](https://insights.wlm.com.au/blog/bull-or-bear-what-does-the-future-hold-for-investors)

**Financial Planner**

 29 August 2022 —  9 min read

### [Bull or Bear: What does the future hold for investors?](https://insights.wlm.com.au/blog/bull-or-bear-what-does-the-future-hold-for-investors)

Many leading economists and market professionals believe that we are now in the early stages of a cyclical change in the economic landscape, following three decades of low inflation and shrinking interest rates. It's a challenging time for..

[Read more](https://insights.wlm.com.au/blog/bull-or-bear-what-does-the-future-hold-for-investors)

[![Reserve Bank](https://insights.wlm.com.au/hubfs/Blog%20Featured%20Image%202000%20x%201046-Jul-22-2022-04-44-58-11-AM.jpg)](https://insights.wlm.com.au/blog/interest-rates-and-the-role-of-the-rba)

**Financial Planner**

 25 July 2022 —  3 min read

### [Interest rates and the role of the RBA](https://insights.wlm.com.au/blog/interest-rates-and-the-role-of-the-rba)

The Reserve Bank of Australia raised interest rates in July by 0.5 percentage points, making the new cash rate 1.35 per cent. The RBA is raising rates in a bid to slow down, hopefully not stop, household spending. This, in turn, hopefully, slows..

[Read more](https://insights.wlm.com.au/blog/interest-rates-and-the-role-of-the-rba)

<https://insights.wlm.com.au/blog/tag/financial-planning/page/2> [1](https://insights.wlm.com.au/blog/tag/financial-planning/page/1) [2](https://insights.wlm.com.au/blog/tag/financial-planning/page/2) [3](https://insights.wlm.com.au/blog/tag/financial-planning/page/3) [4](https://insights.wlm.com.au/blog/tag/financial-planning/page/4) [5](https://insights.wlm.com.au/blog/tag/financial-planning/page/5) [...](https://insights.wlm.com.au/blog/tag/financial-planning/page/8) [9](https://insights.wlm.com.au/blog/tag/financial-planning/page/9) <https://insights.wlm.com.au/blog/tag/financial-planning/page/4>

### Free Resources

- [Whitepaper: How to minimise tax & risk with business structure](https://explore.wlm.com.au/business-structure-whitepaper-download)
- [Whitepaper: Buying a property with a business partner](https://explore.wlm.com.au/buying_a_property_with_a_business_partner_download)
- [E-Guide: 7 financial mistakes of builders and tradies](https://explore.wlm.com.au/financial-mistakes-of-builders-and-tradies)
- [E-Guide: Tax and accounting considerations for setting up an insurance underwriting agency in Australia](https://explore.wlm.com.au/tax-and-accounting-considerations-for-setting-up-an-insurance-underwriting-agency-in-australia)
- [A guide to the Federal Budget 2025 - 26](https://explore.wlm.com.au/a-guide-to-the-federal-budget-2025-26)
- [EOFY Tax Planning Webinar](https://youtu.be/xhf7yafx8YE?si=TuqCM5eEtWPP91lg)
- [EOFY business checklist](https://explore.wlm.com.au/your-business-end-of-financial-year-checklist)

### Blog Categories

- [Accounting (166)](https://insights.wlm.com.au/blog/tag/accounting)
- [Business Owners (143)](https://insights.wlm.com.au/blog/tag/business-owners)
- [Australian Taxation Laws (123)](https://insights.wlm.com.au/blog/tag/australian-taxation-laws)
- [Financial Planning (88)](https://insights.wlm.com.au/blog/tag/financial-planning)
- [Tax Planning (76)](https://insights.wlm.com.au/blog/tag/tax-planning)
- [ATO (53)](https://insights.wlm.com.au/blog/tag/ato)
- [Superannuation (51)](https://insights.wlm.com.au/blog/tag/superannuation)
- [Professionals (40)](https://insights.wlm.com.au/blog/tag/professionals)
- [Home Owners & Investors (34)](https://insights.wlm.com.au/blog/tag/home-owners-investors)
- [Family Business (30)](https://insights.wlm.com.au/blog/tag/family-business)
- [25/26 Financial Year (22)](https://insights.wlm.com.au/blog/tag/25-26-financial-year)
- [Renewable Energy & Environment (20)](https://insights.wlm.com.au/blog/tag/renewable-energy-environment)
- [Self Managed Super Funds (20)](https://insights.wlm.com.au/blog/tag/self-managed-super-funds)
- [23/24 Financial Year (18)](https://insights.wlm.com.au/blog/tag/23-24-financial-year)
- [Construction (18)](https://insights.wlm.com.au/blog/tag/construction)
- [Trusts (18)](https://insights.wlm.com.au/blog/tag/trusts)
- [24/25 Financial Year (17)](https://insights.wlm.com.au/blog/tag/24-25-financial-year)
- [Case Studies (17)](https://insights.wlm.com.au/blog/tag/case-studies)
- [Insurance Underwriting (16)](https://insights.wlm.com.au/blog/tag/insurance-underwriting)
- [Personal Income Tax (13)](https://insights.wlm.com.au/blog/tag/personal-income-tax)
- [Payroll Tax (9)](https://insights.wlm.com.au/blog/tag/payroll-tax)
- [WLM News (9)](https://insights.wlm.com.au/blog/tag/wlm-news)
- [22/23 Financial Year (8)](https://insights.wlm.com.au/blog/tag/22-23-financial-year)
- [26/27 Financial Year (5)](https://insights.wlm.com.au/blog/tag/26-27-financial-year)

## Subscribe

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###### Contact

WLM Financial Services Pty Limited  
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GPO Box 5025, Sydney NSW 2001

**T** [02 9221 7777](tel:292217777)

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- [TAX & COMPLIANCE](https://www.wlm.com.au/services/tax-and-compliance/) 
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- [CLIENTS](https://www.wlm.com.au/clients/) 
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###### [Insights](https://insights.wlm.com.au/blog)

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The information contained in the WLM website, has been prepared from a wide variety of sources, which WLM, to the best of its knowledge and belief, considers accurate. WLM does not however warrant the accuracy of the information and forecasts possibly contained in the WLM website. No visitor to the site should rely upon the information and/or recommendations contained in the WLM website. WLM strongly recommends that all prospective purchasers of securities should make their own inquiries and seek professional advice before acting on any of the information contained in the WLM website. Should you wish to seek advice, please feel welcome to [contact us](http://wlm.advisclient.com.au/contact/).