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Should I consider Income Protection insurance?

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  INSIGHTS WITH EVALESCO Should I consider Income Protection insurance? by Kate Ferraro | 12 April 2021 TOPICS DISCUSSED What is income protection insurance? Do I need income protection? What does income protection cover? Income protection can be the financial safety net you need if you experience an accident or illness that means you can no longer work. A common misconception about income protection insurance is that it’s only for high income earners, but this isn’t the case. What is income protection insurance? Income protection insurance is a source of income paid out to you if you are temporarily unable to work due to an illness or injury. You can’t predict the future, but you can plan for it Nobody wants to consider an accident or illness impacting their health suddenly, but it’s always a possibility. As well as changing your lifestyle, an unexpected illness could mean you need to take extended leave from work. In a 2020 report by the Australian Institute of Health and Welfare...
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A guide to Estate Planning

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  INSIGHTS WITH EVALESCO A guide to Estate Planning by Kate Ferraro | 5 April 2021 TOPICS DISCUSSED What is estate planning? Why is estate planning important? What does estate planning cover? Planning for the future is important for whatever life stage you’re at. Estate planning is a major part of your overall financial plan and is so much more than just writing up a will. We look at some of the common questions around estate planning and how it can help you and your family. What is estate planning? Estate planning is the process of setting up your estate so your assets such as property, shares and insurances pass onto your beneficiaries in the most efficient and effective way. This may involve a variety of estate planning strategies, such as establishing trusts, restructuring your investments, setting up superannuation beneficiaries and reviewing your life insurance policies. Why is estate planning important? Estate planning is a way to ensure that if you were to pass away your fa...
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How the great outdoors can make you healthier, smarter and more attractive!

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  INSIGHTS WITH EVALESCO How the great outdoors can make you healthier, smarter and more attractive! by Kate Ferraro | 19 March 2021 TOPICS DISCUSSED Maintain your health and wellbeing Ways to reduce stress Ways to get smarter Getting outdoors and enjoying the fresh air doesn’t just make you healthier. It could also boost your IQ and may even make you more attractive. That feeling you get when you’re out in nature – the sun on your skin and fresh air in your lungs – does more for your health than you may think. Getting into the natural landscapes of the great outdoors (and away from technology) is actually an essential component in maintaining overall health and wellbeing. Let’s find out why. IT MAKES US HEALTHIER Getting outside, even just for a walk around the block, does wonders for our health.  Studies have shown  that exercising in nature can improve blood pressure, give you more energy,  reduce stress , increase feelings of wellbeing, and provide the motivation...
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The evolution of ethical investing in advice

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  INSIGHTS WITH EVALESCO The evolution of ethical investing in advice by Kate Ferraro | 3 March 2021 TOPICS DISCUSSED Ethical Investing Managed Funds AAN Asset Management Portfolio Models In March 2021, my fellow Director and AAN Investment Committee Member, Marshall Brentnall was interviewed by IFA Magazine about the evolution of ethical investing in advice. Ethical investing is riding a big green wave at the moment, and for good reason: we all want to do the right things by the place we call home – planet Earth. Having said that when there is so much demand, it’s very easy for large fund managers, banks, and superannuation funds to put together products (managed funds, ETFs etc) that present as green, ethical and sustainable, but when you probe what is actually inside them the underlying investments don’t stack up, are unproven and you might be paying much more than necessary in fees. Why? Because often you will find that if it is popular and in demand, it will be more expensive....
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