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Do you have parents?
If you’re lucky enough to still have one or both of your parents around, this is an important read. As we journey through life, our roles evolve. D...keep reading -
Thinking about Retirement Early
Is it OK to start your retirement planning in a few years? Maybe. However, unequivocally, starting today is always better. At Rising Tide, 85% of ou...keep reading -
Matt Hale share his top tips with 3aw
The Reserve Bank has kept the cash rate on hold for the second consecutive month. Senior financial planner at Rising Tide Financial Services, Matt Ha...keep reading -
Division 293 tax – what is it?
As financial advisers, there are several strategies we can implement to help people min...keep reading -
Estate Planning: Your Letter of Intent
When it comes to planning for the years ahead, and for after death, many people only think about creating ...keep reading -
Sometimes changing your strategy is how you win
Once they’ve been given financial advice and created a financial plan, many people consider these are ‘set in stone’. It’s important, however,...keep reading -
Consolidating Super
The Australian Super advert gives me the sh*ts! “If you have more than one super fund, come to Australian Super and we will consol...keep reading
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What’s in a will?
As a financial planner, one of the most important things I advise my clients to do is to have a legal will in place. Unfortun...keep reading -
Should financially strained non-retirees be allowed to access super?
Partial transcript. Matt: Australians ...keep reading -
Financial planning – how much does financial advice cost?
If you're thinking about getting some help to manage your finances, you may be wondering how financial planners charge for their services. Financial p...keep reading
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What is your education savings plan?
While education may look a bit different nowadays, there’s no denying Australians place enormous value on it. Whether it be their own education or ...keep reading -
Your privacy is important – cybersecurity and ASIC obligations
For most, cybersecurity unexpectedly became a hot topic last year. Thankfully, though, it’s been on our agenda for a few years and we’ve continue...keep reading -
Help us Secure You a Better Interest Rate!
With the Reserve Bank just hiking interest rates for the eighth month in a row, Australia’s cash rate is now sitting above 3% and some home loan rat...keep reading -
End of Year Update
It's been a crazy year. No one would've picked that interest rates would be up close to 3% for the year. It's impacting the property market & ever...keep reading -
Stage 3 Tag Cuts: To Be or Not to Be
The Federal Government is copping some heat at present over uncertainty around so-called stage 3 tax cuts, which are set to p...keep reading
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Interest Rates and Inflation – What does it mean for me?
Unless you have been hiding under a rock, you couldn’t help but notice that interest rates went up last month, this month a...keep reading -
Brief Market Update
Brief Market Update Document...keep reading
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Dear Rising Tide – Fixed vs variable interest rates
Chrissy from Bayside “Hey Rising T...keep reading -
What does financial advice cost?
Firstly, check out our process ...keep reading -
Is There Anything to Worry About?
Hi, Matt Hale, senior financial planner from rising tide here. We thought given the month of January was really volatile in the investment markets, th...keep reading -
Welcome to the new year!
Unfortunately, it’s been a crazy and sombre start to 2022. Firstly, both COVID and the recent typhoon in the Philippines ca...keep reading -
How people can become better connected with their money.
Recently, our managing director Matt Hale caught up with the incoming CEO of AMP Australia, Alexis George. Matt...keep reading -
Eat your veggies first
Growing up I always ate my veggies first and saved the delicious stuff till last. While it was hard work not diving into the good bits straight away, ...keep reading -
What to do before June 30?
Unlike many of you I’m sure, I actually love June, as it means I get to have a second crack at my financial “new year's r...keep reading -
Now that you are pre-approved, what’s next?
Now, this is where the real fun begins! From stalking realestate.com every night and going to home opens, to dealing with Rea...keep reading -
What are the costs involved with a pre-approval?
Now that you have read What is a ...keep reading -
Why choose a broker for your pre-approval?
If you are serious about buying a property in the next six months, now is definitely the time to get your loan pre-approved. ...keep reading -
Are you ignoring your obligations?
1993. Cool Runnings. A memorable movie for me - for all the wrong reasons. My parents used it to try and cheer us up after telling us that Mum had li...keep reading -
A little more conversation…a lot more action
Each year as March comes around, we have a wonderful spotlight on women. How far they’ve come, how far there is left to go. In a financial setting, ...keep reading -
Turn $192 per week into 10 years off your home loan?
Did you know you can cut 10 years off your 25-year mortgage by using $192 per week the right way? ...keep reading -
Culture eats strategy for breakfast
“Culture eats strategy for breakfast“. Words made famous by Ford Motors CEO Mark Fields, but initially uttered by Pete...keep reading -
Are you a business owner?
As COVID-19 drags on to month seven in Victoria; not much is changing on the restrictions front. ...keep reading -
Investing for your Child’s future
As an adviser working with many couples and young families, it is one of the most frequently asked questions. ...keep reading -
Coronavirus Financial Implications
The coronavirus pandemic has thrown Australia, particularly Melbourne, into a frenzy. ...keep reading -
COVID-19 Financial Help
Over the past eight weeks, the Rising Tide team have taken a somewhat quiet approach as we felt like there was more than enou...keep reading -
Matt Hale – 3AW Drive – COVID early access to Superannuation
Tom Elliott: Matt Hale, good afternoon Matt Hal...keep reading -
$5,000 Business Support Fund
The latest stimulus announcement by the Victoria State government included a $5,000 grant for business meeting the requiremen...keep reading -
EOFY 2019/2020 – What a year!
From home offices to home schooling, you’ll be hard pressed to find someone whose life has not been drastically impacted by...keep reading -
Afterpay vs Credit Card – Matt Hale on 3AW drive
Tom: Here's director and senior financial planner, Rising Tide Financial Services, Matt Hale. Good afternoon...keep reading -
No ‘I’ in team
“When you play as a unit, the rising tide lifts all boats.” I ...keep reading -
Matt & Ben Reid – Melbourne property update
Matt: I'm very fortunate to have Ben Reid, who's a director at Ian Reid Vendor Advocacy. Ben, thanks fo...keep reading -
May 2020 – Economic update
Matt: This week, I was fortunate enough to sit in on an economic update with one of the heads of inves...keep reading -
Preparation is the key
It has become clear that there are two themes continually presenting themselves during the COVID-19 crisis. They are preparation and patience....keep reading
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The Government has recently announced a $130 billion JobKeeper payment
This afternoon, the Federal Government announced their 3rd stimulus package which is by far the biggest in terms of overall dollars injected in to the...keep reading -
SPECIAL AUDIO – How to financially deal with the crisis of COVID-19 for your hospitality business
With the growing Covid-19 crisis hitting every area of the economy worldwide, but especially the hospitality industry, I thought it was pertinent to h...keep reading -
Coronavirus business stimulus package
In these uncertain times, Australian families and businesses are under financial pressure and unfortunately, there is no silv...keep reading -
Business as usual – Coronavirus (or COVID-19) Update
Hi Everyone, Coronavirus (or COVID-19) is certainly upon us...keep reading -
Coronavirus Uncertainty
Rising Tide was in its infancy when the global financial crisis wreaked havoc in 2007-08. ...keep reading -
Some depreciating news
Do you have an investment property, or are thinking about getting one? If so, read on… The two main reasons people...keep reading -
Money for nothing…
The government has $1.1 billion of our money and unsurprisingly, as a financial planner, I think it’s fair that we should g...keep reading -
Putting a price on your health
As you may be aware, private health insurance is due to go up by 2.92% on average in April, with some people copping an incre...keep reading -
Customer Feedback
2019 has been a big year for Rising Tide and it seems like a good time to reflect on the many positive achievements this year...keep reading -
What is going to happen with interest rates?
Last week, Sam Gawenda and I were fortunate to spend an hour in Sydney with Hayden Dimes, ANZ rates strategist and economist....keep reading -
‘til debt do us part
How much stress does money management (& lack thereof) have on relationships? ...keep reading -
Time to make some sacrifices?
According to the Department of Social Services, a recent report showed that 77% of Australians over the age of 65 receive som...keep reading -
Government Guarantors
So, as of January 1st 2020, the Government will act as Guarantor. Great, so what does this mean? ...keep reading -
Financial Planning – When You’re Expecting
If you are expecting, or are thinking about having a baby, here are some tips that may help. Financial stress is tou...keep reading -
What’s your Yes?
We’ve all heard the saying that ‘The simple things in life are often the best’ and whilst I understand the sen...keep reading -
Using a mortgage broker – The path of least resistance
According to a recent article, ...keep reading -
How to compare smartphone carriers and save
Every year, thousands of Melbournians are spending more money than they need to on their smartphone service – simply by falling into complacency and...keep reading -
Get financially savvy in 2019 with the right financial plan
As we enter into 2019, many of us are eager to get stuck into our New Year's resolutions and start the year out on the right foot. For some, this migh...keep reading -
Having a backup plan
In Australia, we all know the importance of insurance. We insure our cars, our homes, our possessions and our travel, but the...keep reading -
I want to buy my own home
Buying a home is a dream for many young Australians, but as we all know, breaking into the property market is no easy...keep reading -
What to expect from the future of the Melbourne property market
As the over-exaggerated reports threatening the collapse of the Melbourne property market continue to roll in, it can be a bit of a head-scratcher try...keep reading -
What makes a great Super fund? Here’s what to look for.
As the royal commission continues to expose the dirty secrets of some of the leading superannuation funds, it's no surprise that so many Australians a...keep reading -
Struggling to save? Automation could be the answer
Financial Planners Melbourne In 2016, Australian households spent over $666 billion on general living costs including things like food, cars,...keep reading -
Is it ever a good idea to lend mates money?
It's a situation which many of us have faced before, a close friend or family member asks to borrow a little extra cash to help get them out of a tric...keep reading -
A simple checklist to help you prepare for tax time
With tax time a few weeks away, it's important to start preparing to ensure you...keep reading -
Could you be better off using Uber than owning a car?
For many young Melbournians, Uber has become an important part of their daily lives. After entering the Aust...keep reading -
Two weeks can save you thousands… and years
Did you know that making, and saving money, is actually a bloody easy thing to do? A prime example of this is how often you make your mortgage repayme...keep reading -
Rising Tide’s Tom DeFegely named MPA’s Young Gun of the Year
Every year, Mortgage Professional Australia (MPA) magazine reviews hundreds of applications from brokers ...keep reading -
Ben O’Neill shares how sorting his finances helped him get back to enjoying the little things in life
As most would agree, we don't live to work – we work to live. We all know that money can't buy you happiness, however, it can provide us with the fr...keep reading -
Financial Consultant Tells Of The Hits You Might Take
I've been working in the field as a Financial Consultant and associated areas for 10 years & there has only been a handful of days where I've real...keep reading -
Is Making A Will Really Enough To Protect Your Family’s Financial Future?
Protecting our loved ones is something we all care about, but when it comes to financial security, your family may not be as safe as you think. Dismis...keep reading -
Time to switch banks? Here’s how to do it today.
While we all know the benefits of shopping around for better deals on our everyday living expenses like utilities and phone and internet packages, the...keep reading -
Top 5 Money Tips For World Travellers
Browney's top five money tips for world travellers. One of my own personal financial goals is to always be in a position to afford to travel ...keep reading -
Do you really need that new car?
So you've got your eye on a new car? Good one - as long as you're smart about it. Over 96,000 cars were bought and sold in March this year alone, so ...keep reading -
Save your pennies and the planet in one
We all know there's a lot of ‘stuff' in the world. On average, Australian households spend 3.5 million dollars every three minutes. That's enough to...keep reading -
Top 5 Ways a Business Accountant in Docklands can Improve Your Financial Viability
Business accountants in Docklands can provide a variety of services that can improve the financial situation of your business and ensure that you are ...keep reading
Rising Tide Financial
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Do you have parents?
Success Stories
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![Photo of Nick Graham]( "Testimonial by Nick Graham")
Nick Graham
Former Australian rules footballer Nick Graham discusses his Rising Tide journey. Read Nick's full story
![Play Video]( "Play Video")
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![Photo of Lyn & Geoff]( "Testimonial by Lyn & Geoff")
Lyn & Geoff
On reflect 12 months later we are so grateful we had the insurance and the support of Matt... Read Lyn's full story
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![Photo of Sam Rowe]( "Testimonial by Sam Rowe")
Sam Rowe
Former Professional Australian Rules Footballer, Carlton Football ClubI was lucky enough to meet Matt Hale at a club function. I decided to go in to meet the team and it just felt like a perfect fit. Read Sam's full story
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![Photo of Kane Baker & Rebekah Elmaloglou]( "Testimonial by Kane Baker & Rebekah Elmaloglou")
Kane Baker & Rebekah Elmaloglou
We knew we wanted to put our money to good use, but we didn’t know too much about how to get started, so we sought help from the team at Rising Tide Financial Services. Read Kane's full story
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![Photo of Ben O’Neill]( "Testimonial by Ben O’Neill")
Ben O’Neill
I’ve learned so much from working with the team at Rising Tide. They helped me to understand and organise my finances, helped me to put a strategy in place to work towards buying my first home. Read Ben's full story
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![Photo of Tim & Vesa]( "Testimonial by Tim & Vesa")
Tim & Vesa
Friends of ours had recommended that we get in touch with Rising Tide Financial Services...Little did we know, it would turn out to be one of the best decisions we’ve ever made! Read Tim's full story
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![Photo of Anthony De Leo]( "Testimonial by Anthony De Leo")
Anthony De Leo
Sales Manager, Audio Visual Revolution Pty LtdHaving income protection, it’s obviously important in case things go wrong, you’ve got some back up. Read Anthony's full story
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![Photo of Alistair Tubb]( "Testimonial by Alistair Tubb")
Alistair Tubb
We’ve managed to get into a home that would allow us to grow which is great. They tied it all in together and it made sense to have a one-stop-shop. Read Alistair's full story
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![Photo of Fenella Wagener]( "Testimonial by Fenella Wagener")
Fenella Wagener
PR and Media Manager, Universal MusicThey helped us work out what are our expenses, and how much money can we save a month, and it’s crazy to think how much you can be saving a month! Read Fenella's full story
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![Photo of Trish Curtis]( "Testimonial by Trish Curtis")
Trish Curtis
Self-employed bookkeeperRight from the outset, Ali was so easy to work with. There just wasn’t the pressure I had experienced when working with other advisers. Read Trish's full story
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![Photo of Peta Currie]( "Testimonial by Peta Currie")
Peta Currie
Single parentWhile it’s fantastic to receive the income, I know that all of the paperwork can be really challenging for some people, and Matt has been a fantastic help. Read Peta's full story
Testimonials
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Ed Curnow
Since catching up with Matt, Tom & the team at Rising Tide, both Emily & I feel like we’ve had a chance to get our financial lives in order.
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Amanda Vallis
Great team! Braden was especially helpful in getting my finances sorted for my business.
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Shae Thomas
Highly recommend the Rising Tide team - friendly, honest guys who have helped me make my financial dreams come to life. Also, they have a bar in their office, which is, you know, great.
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Bradley Clarke
Felt 100% care and commitment to my needs. Always highly responsive to requests for information and support. A+
