Gravity Catches Up with Big Tech

A look at the decline of the Big Tech stocks as interest rates have risen. Big Tech stocks have got much the same return as S&P 500 index since the nadir of the pandemic in March 2020.

Having Confidence in Retirement

There is universal fear and anxiety over not having enough money for retirement. The thought of not having ‘enough’ can negatively impact people’s lifestyles and drive these fears through the roof.  One of the main reasons people don’t have confidence in retirement is because they focus on financial accumulation, without a connection to their future […]

How Can You Get Your Kids Involved with Giving and Philanthropy?

The families with the strongest legacies are not necessarily the ones that build the most wealth. Instead, the families with enduring legacies are those that have a strong sense of identity and that are unified over a shared set of values. It is easy for family wealth to be destroyed in a generation through disputes, […]

5 Lessons to Aid a Healthy Succession

It’s difficult to let go. You’ve spent years of your life building up your business. You’ve poured many long days and late nights making tough decisions to get your business where it is, but now you’ve decided that it’s time to pass it onto the next generation. It’s no secret that crafting a healthy succession […]

Known Unknowns

What do we know about the performance of bonds and stocks over the next 12 months? This is a question that I have seen or heard several times in the last few weeks: Given the current state of the markets, are bonds or equities likely to do better over the next 12 – 24 months […]

New Chapter, New Office

We’re Moving to a New Office! We’re making some changes here at Stephan Independent Advisory. We are investing in the future of our business, and the future of our clients, by moving our office from Kew to Hawthorn East. You’ll no longer find us at Suite 506, 1 Princess Street, KEW VIC 3101, from mid-August […]

What is the Cause of Recent Volatility in Global Stock Markets?

Since the start of 2022 we have seen an acceleration in inflation all around the world. The US reported 8.6% last week, the UK reported 9.0% last month and in Australia RBA Governor Lowe warned this week that inflation would hit 7% by December. Compounding the high inflation has been the war in Ukraine, which […]

How to Determine the Costs of Your Life and Your Future

Is being too busy now, jeopardising your future? If you aren’t careful, then the answer is yes. Life is busy. We have work, our businesses, family, children, schooling, extracurricular activities. Plus trying to squeeze in a social life in there somewhere too. And sometimes it can be really difficult to even think about the future […]

A Survival Guide for Volatility

Bear Markets: A survival Guide for Volatility How to achieve your goals, thrive in adversity and grow your wealth Investors around the world have realised that fighting inflation is going to be painful—which in turn has caused turmoil in the markets. Since the start of the year the Australian market is down 12% – but […]

Does your family need a Foundation?

What is the right structure for your family’s giving? Over the years, we have been delighted to discover that a lot of the families we work with support charities, volunteer in their communities, and participate a range of other philanthropic activities. And when we find this out, as Financial Planners, we start to think about […]

The Outlook: Cloudy with a Chance of Recession

What is the Market Outlook? Cloudy with a Chance of Recession. Rampant inflation, rising interest rates, war in Ukraine, Covid in China and falling bond and stock prices… It’s a very volatile time in markets and investors have every reason to be unsettled by global events. And on top of what’s already happening, some market […]

“Prepaying the Pain” and Family Constitutions

Families, especially families engaging in multigenerational businesses, are much like companies. There needs to be a clear set of rules that everyone abides by in order for it to run smoothly as it grows and gets passed down from generation to generation. Understanding family governance and implementing a Family Council and Family Constitution is crucial […]

Shirtsleeves to Shirtsleeves in Three Generations

I’m sure we’ve all heard the old proverbial saying before that goes, “Shirtsleeves to shirtsleeves in three generations.” As in, the wealth that is made by one generation, will be lost by the third. It’s Never About Money guest, Mike Boyd, thinks that this fate can, and should, be avoided. Mike is the co-owner and […]

How a Russian-Ukraine conflict may affect markets

The invasion of Ukraine by neighbouring Russia will be felt across several markets, from food and energy prices; to global stock markets; to safe haven assets like bonds and gold, and to future changes in interest rates. However much of the effects of the conflict are already priced into markets. The best investment strategy is […]

Exclusive vs. Sustainable: Investing for Success – Part 2

Dr Steve Garth, member of Stephan Independent Advisory’s Investment Committee, sat down with Joe Stephan on his It’s Never About Money podcast.  This is Part 2 of a 2-episode seriees with Dr Garth. If you missed the first episode, listen now. The dangers of DIY investing There are some things that you just shouldn’t do […]

Case Study: The Hatfield Family Business

This case study shares with you the type of process we go through with our clients here at Stephan Independant Advisory. If you relate to any part of this case study, get in touch with us today so we can help you manage your wealth for the next generation.   A Cleaning Enterprise Sam and […]

Exclusive vs. Sustainable: Investing for Success – Part 1

Dr Steve Garth, member of Stephan Independent Advisory’s Investment Committee, sat down with Joe Stephan on his It’s Never About Money podcast.   Investors are not rational, but are they academic? There is a saying; a different approach, results in a different outcome. For the case of our podcast guest, Dr Steve Garth, that is […]

Sustainable investing: how your investment choices can benefit the planet

With the increased focus on environmental awareness, people are taking more interest than ever in how their actions affect our planet and are looking for more ways in which to influence change. Recently we’ve seen a growing trend towards sustainable investing. Sustainable investing involves investing in companies that consider positive environmental, social, and corporate governance […]

Superguide Interview – Retirement

Joe was interviewed by Robert Barnes from Superguide at the Profession of Independent Advisers Symposium in Canberra in 2019.