Not long to go now. The biggest changes to the pension asset test in 10 years will occur in less than 2 months, on 1 January 2017.  There will be winners and losers, and even those not effected might be worried anyway. If you’re a pensioner, the important thing is to know which of these groups you fall into and then decide how best to deal with it.  

So you've got a little spare cash?

Not sure whether you should repay your mortgage sooner and pay extra in to super?

Which is the best option?

​You are forever hearing me talk about the value of independent or conflict free financial advice.   While it is not all about the money, here is what it can mean in pure dollar and cents terms. 

These are two case studies of actual clients that I have been helping in the last month.