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Articles by Fran Hughes
From rock star dreams to financial clarity: a journey to purpose and independence
When you meet Patrick Fogarty, principal adviser at Rutherford Rede in Auckland, there’s an unmistakable sense of clarity in how he speaks about life, finance and purpose. He’s thoughtful, articulate and deeply intentional, qualities that reflect both his professional success and the path he’s taken to get there. But like many good stories, his began in unexpected places, on stage rather than in a boardroom. “I tried my best to be an actor and failed.
Fran Hughes: How to make plans for a retirement that no amount of money can buy Original
Fran Hughes: How to make plans for a retirement that no amount of money can buy
Accountability is the new gold: Building an advice firm for the long game
When Russell Mann reflects on 25 years at the helm of 24k Wealth, his tone carries the quiet confidence of someone who has seen it all, property crashes, regulatory upheavals, and the relentless reinvention demanded of modern advice businesses. “You’ve got to keep growing and keep challenging yourself every day,” he says.
Building Providend: A journey of purpose, people and principles
When Chris Tan co-founded Providend Wealth in 2001, Singapore’s financial advisory industry was barely taking shape. The Financial Advisers Act had not yet been implemented, and the idea of a “fee-only” advisory model, one that separated advice from product sales was unheard of.
515 Lance View Ln, Lawrenceville, GA 30045, US
Operating Expenses Recurring costs required to maintain and manage a rental property, including property taxes, insurance, maintenance, repairs, utilities (if paid by the owner), property management fees, and other day-to-day expenses. Calculation: Insurance + Property Taxes + Property Management + Repairs & Maintenance + Capital Expenditures + HOA Fees
Following the white rabbit: The journey of Nicola Beswick
When Nicola Beswick launched White Rabbit Advisory in March, she stepped into the world of business ownership with courage, conviction, and a deeply personal motivation. In just six months, she is excited about what she has achieved: building a loyal client base of 40 households. But for Beswick, success has never been about numbers.
From law to ethical wealth: A journey to values-driven financial advice
“I did not go to Uni thinking, ‘I’m going to be an adviser.’ I started doing law, then got a bit bored, so I went into business,” recalls Tom Robertson. But like many in the world of ethical investing, Tom’s path wasn’t linear – it evolved through a combination of intellectual curiosity, practical experience, and ultimately, a passion for helping people invest with purpose.
A career built on purpose, perspective and Western Australian pride
When I was in high school and thinking about what I wanted to be when I grew up, I said, I want to work on St George’s Terrace and drive a Porsche — of which currently I do neither,” she laughs. “And my dad said, ‘You should talk to my financial adviser.’ We had a trusted adviser in the family for a very long time.” That early exposure sparked a genuine interest in the impact of financial advice.
From graduate to partner, by taking the road less travelled
As a partner and senior financial planner at Nexia Sydney, Christine Atencia’s journey from university graduate to industry leader serves as both a case study in determination and a call to action for the next generation of advisors. Atencia’s career trajectory didn’t begin with grand ambitions of partnership or prestige. It started with a love of numbers, instilled early in life by her accountant father and entrepreneurially minded mother.
Fran Hughes: From elation to panic - the five stages of retirement and how to survive them
Fran Hughes: From elation to panic — the five stages of retirement and how to survive them
Fran Hughes: Restorative mini career breaks can make path to retirement a journey, not just the destination
Fran Hughes: Restorative mini career breaks can make path to retirement a journey, not just the destination
Fran Hughes: Desperate for a break? Here’s how to plan for a successful and fulfilling mini-retirement
Unlike traditional retirement, a mini-retirement is a short-term break taken multiple times throughout your career. It involves stepping away from work for anywhere between a few weeks and several months to rest, pursue passions, or explore new opportunities. As I step into my own mini-retirement, here are the steps to take to achieve a successful short break. Before diving into the logistics, it’s essential to define the purpose of your mini-retirement. Ask yourself: What do I want to achieve?
Fran Hughes: Intermittent retirement creates a path to happiness and boosts health
What if I told you you need not wait until age 65 to retire? That the idea of retiring intermittently is a path to creating happiness and boosting health? In a world where the traditional concept of retirement is undergoing significant transformation, the idea of “mini-retirement” is gaining traction.
Fran Hughes: Time to set fresh money goals in the new financial year Original
Starting a new financial year can feel like hitting the reset button on your money management. It’s the perfect time to take stock of where you are, set some fresh goals, and get everything in order. Whether you’re saving for something big, trying to pay off debt, manage the rising cost of living, or just want to be smarter with your money, here are some tips to help you kick off the new financial year on the right foot and maybe get hold of those tax refunds.
Fran Hughes: The end of financial year hacks and tricks you need to beat the taxman and keep more of your cash
The end of the financial year on June 30 is an exciting time for financial professionals like me. It brings with it opportunities to optimise your financial position with a helping hand from the Australian Tax Office. So with EOFY approaching, it’s time to get your finances in order to maximise your tax return and ensure compliance with tax regulations.
Fran Hughes: With the great wealth transfer under way, it’s time to talk to your kids about your will
Discussing the content of your will with your children can be a sensitive and potentially challenging conversation. However, it’s a crucial step in ensuring transparency, understanding and harmony within your family when the time comes to execute your estate plans.
Fran Hughes: Five ways to beat the cost-of-living crunch and keep the family budget afloat
Like many West Australians, you may be feeling the pinch from rising living costs which can feel overwhelming. It’s no wonder, with the nation’s annual inflation rate spiking over the past few years.
Fran Hughes: The eight hacks you need to clear debt and build wealth in 2024
The kids are back at school, and though we’re into the month of February you now feel like you have time to start planning for the year ahead. In the journey towards financial stability and success, taking the first step is often the most challenging, yet crucial, aspect.
Fran Hughes: Now’s the time to stop, assess, look for savings and set your financial goals for 2024 Original
As we bid farewell to 2023 and welcome the new year, it’s an opportune time to reflect on the financial landscape and plan ahead for 2024. You may be wondering where to start or ways to make smart money decisions. Here are key discussions I am having with clients as we map out their financial goals for the coming year. In January 2022, I wrote about the looming threat of rising interest rates.
Fran Hughes: The five reasons to review your life and disability insurance
The recent pandemic was a reminder for the need for life and disability insurance. But with household budgets under pressure from the rising cost of living, Australians are balancing the need versus affordability.
Fran Hughes: How to keep love’s light burning with a committed financial relationship Original
Weddings are a diligently orchestrated event, with an incredible emphasis placed on selecting the perfect dress, the perfect venue, the perfect honeymoon. Unfortunately, setting up the perfect system for our newly combined finances is often given less consideration than the colour of the napkins on the bridal table. It isn’t just the newlyweds who need to be mindful about joint accounts and combined purchase decisions.
Fran Hughes: Your must-know guide to reading and understanding your annual superannuation statement
For most Australians superannuation will be their biggest asset in retirement, besides the family home. The legislation for compulsory superannuation contributions was first introduced in 1992 by then-treasurer Paul Keating. It aimed to solve the issue of retirement income. Thirty-one years on, superannuation assets have grown to a massive $3.5 trillion, with every working Australian owning an account.
Fran Hughes: Why it’s time for women to break the taboo and talk about money and plan for retirement
Fran HughesThe West Australian Why don’t women talk about money? Is it still a taboo subject? A recent study by Fidelity International found 16 per cent of women said money was their top “no-go” topic, creating barriers in their financial lives. Everyday Digital $1 per day Access to all digital content Daily digital edition newspaper Cancel anytime. Min cost $28. Weekend Papers + Everyday Digital $9 per week Access to all digital content Daily digital edition newspaper Cancel anytime. Min cost $36.
Fran Hughes: Cost-of-living crunch sees borrowers turn to ‘bank of Mum and Dad’. Here are the pros & cons. . .
Fran HughesThe West Australian The housing crisis is a significant problem facing many individuals and families. With rising interest rates and cost-of-living pressures, owning a home is becoming increasingly challenging. However, there may be a solution to this problem that many people are overlooking: the bank of Mum and Dad. Weekend Papers + Everyday Digital $9 per week Access to all digital content Daily digital edition newspaper Cancel anytime. Min cost $36.
Fran Hughes: Five hacks to fire up your superannuation balance before the end of the financial year
Fran HughesThe West Australian With the end of the financial year fast approaching, it’s an ideal time to consider the many benefits you may get from adding extra contributions to your superannuation. If you are planning to retire over the next few years, you may be wondering how best to take advantage of the new super changes. Weekend Papers + Everyday Digital $9 per week Access to all digital content Daily digital edition newspaper Cancel anytime. Min cost $36.
Fran Hughes: Five hacks to fire up your superannuation balance before the end of the financial year
Fran Hughes: Five hacks to fire up your superannuation balance before the end of the financial year Subscribers with digital access can view this article. Unlimited access to breaking news, sport, business, lifestyle and in-depth exclusives home delivered or direct to your device. Need Help? Call us at 1800 811 855 Enjoy exclusive member discounts, giveaways and competitions with our subscriber rewards program.
Fran Hughes: Huge leaps to secure women’s independent financial wellbeing but there’s still more to do
Fran HughesThe West Australian On International Women’s Day this Wednesday we are encouraged to embrace equity. The meaning of equity, as defined by the Oxford Dictionary, is the quality of being fair and impartial. So how do we separate equity from equality? Equality suggests that everyone is at a particular starting point and should be treated the same. Equity, by way of contrast, aims to give everyone what they need to be successful.
Fran Hughes: Huge leaps to secure women’s independent financial wellbeing but there’s still more to do
Fran Hughes: Huge leaps to secure women’s independent financial wellbeing but there’s still more to do Subscribers with digital access can view this article. Unlimited access to breaking news, sport, business, lifestyle and in-depth exclusives home delivered or direct to your device. Need Help? Call us at 1800 811 855 Enjoy exclusive member discounts, giveaways and competitions with our subscriber rewards program.
Fran Hughes: Five tips to avoid a Christmas binge-fest hangover, starting with trimming that present list Original
The countdown to Christmas is on and Australians are expected to splurge a whopping $63.9 billion during pre-Christmas sales, according to a report by the Australian Retailers Association. Christmas spending is notorious for getting out of hand, and with household budgets already stretched from rising mortgage repayments, soaring grocery and fuel prices, it pays to plan ahead. Here are five tips to avoid a credit card hangover while enjoying the festive season.
Fran Hughes: Saving your budget from inflation and interest rate pain requires a return to the basics Original
Like many West Australians, you may be feeling the pinch from rising living costs — anything from fuel prices to household bills. It’s no wonder with the annual inflation rate in Australia soaring to a record high of 7.3 per cent in the September quarter. With inflation outpacing wages growth, rising costs are hitting hard on household budgets. So here are five thrifty ways to spend less and live more.
Fran Hughes: Five steps to buying your first home Original
Aggressive rate hikes by the Reserve Bank are cooling property prices and may just present an opportunity for first home buyers to enter the market. But there are hoops to jump through. Look at Hannah, 23, who has been working full-time over the last two years with savings of $20,000. She lives at home and currently pays rent of $200 a week to her mum and dad. She has asked how she can secure her first home. Here are five steps to set her up on a strong footing.
Fran Hughes: Five ways retirees can ride out market volatility and still have enough to fund their retirement
Buy TicketsGet tickets to the largest indigenous trade show in WA, featuring special guests and a performance by Jessica Mauboy! Find out More
Fran Hughes: Five steps to navigating the heartache and administrative burden of burying a loved one
Losing a loved one can be a difficult and overwhelming time, especially when you’re responsible for their financial affairs. My dad recently passed away, leaving behind an estate that had 18 beneficiaries which included his grandchildren and my mum. For others who find themselves as executors for the first time, Liz O’Sullivan from Leach Legal suggests outlining tasks to be done in a chronological order and methodically attending to each.
Fran Hughes: New financial year brings raft of changes to boost your fortunes
Buy TicketsGet tickets to the largest indigenous trade show in WA, featuring special guests and a performance by Jessica Mauboy! Find out More
Fran Hughes: The household budget hacks to beat soaring inflation
BOOK NOWWith the dark clouds parting and Qantas regaining altitude, what are Mr Joyce’s plans for the world’s best known airline brand and for Perth, its key western hub? Find out More
Fran Hughes: How to find the right help for mum and dad as life gets a little harder
BOOK NOWJust days out from May 21, this is a rare chance to hear directly from The Hon. Anthony Albanese MP. Find out More
Fran Hughes: The Budget measures that will help women close the gap and better their careers
It’s Back!The Telethon Home is back in 2022 thanks to Home Group and Satterley. Find out More
Fran Hughes: What do women really want? That’s easy ... financial security to choose and chart their own path
Watch hereUp Late with Ben Harvey. A short, sharp, shrewd take on news. New episodes from, Monday to Thursday. Find out More
Top five money tips to secure your child’s schooling future
LISTEN NOWThe West Live is back for 2022. It’s WA’s favourite daily news podcast. Find out More
Many happy returns with the gift of investment this Christmas
Your MoneyMarketsPersonal FinancePersonal FinanceRetirement Investments Fran HughesThe West Australian Mon, 6 December 2021 2:00AMPremium Subscribe today. Get unlimited access to award-winning journalism from Western Australia’s biggest newsroom. Everyday Digital $1 per day Cancel anytime. Min cost $28. Weekend Papers + Everyday Digital $9 per week || StarMost popular Cancel anytime. Min cost $36. Need Help? Call us at 1800 811 855
FRAN HUGHES: How to maximise value from all those accumulated frequent flyer points in a post-COVID world
Your MoneyAir (Aviation)TravelPersonal FinanceAviationPersonal FinanceTravel & Aviation NewsAviation Fran HughesThe West Australian Mon, 15 November 2021 2:00AMPremium Subscribe today. Get unlimited access to award-winning journalism from Western Australia's biggest newsroom with your subscription. Need Help? 1800 811 855. Digital Everyday Digital $1 per day Cancel anytime. Min cost $28. Digital & Print Weekend Papers + Everyday Digital $9 per week || StarMost popular Cancel anytime. Min cost $36.
Fran Hughes: How ‘silver splitter’ women over 55 can secure their financial freedom after divorce
Your MoneyPersonal FinancePersonal FinanceRetirement InvestmentsSuperannuation Fran HughesThe West Australian Mon, 23 August 2021 2:00AMPremium Subscribe today. Get unlimited access to award-winning journalism from Western Australia's biggest newsroom with your subscription. Need Help? 1800 811 855. Digital Everyday Digital $1 per day Cancel anytime. Min cost $28. Digital & Print Weekend Papers + Everyday Digital $9 per week || StarMost popular Cancel anytime. Min cost $36.
The decade to hone your ‘set for life’ roadmap
Your MoneyPersonal FinancePersonal FinanceRetirementRetirement Investments Fran HughesThe West Australian Mon, 19 July 2021 6:58AMPremium Subscribe today. Get unlimited access to award-winning journalism from Western Australia's biggest newsroom with your subscription. Need Help? 1800 811 855. Digital Everyday Digital $1 per day Cancel anytime. Min cost $28. Digital & Print Weekend Papers + Everyday Digital $9 per week || StarMost popular Cancel anytime. Min cost $36.
Mettle & Flesh
This is our UK/International web site. Do you want to go to the US/Canada site? ‘I realise with quite a fright this page is now my portal for as you read the words I write I become immortal’ Mettle & Flesh is a collection of poetry encompassing observations on life, and how we see ourselves within it. Born from personal experience, the poems span across topics ranging from love, loss, ageing, trust, bad dates, and the inner thoughts we usually keep to ourselves.
Fran Hughes: Beware tax implications of de facto cohabitation
LISTEN NOWKnow more about the news with The West Live. It’s WA’s favourite daily news podcast. Find out More
From 20s to 60s: Has your super hit these milestones?
SIGN UP NOWIt’s not too late to sign up to FREE Footy Tipping! There’s a chance to win $1000 each tipping round. Find out More
How to get your kids ready to save for their first home
Book now Join the Federal Treasurer Josh Frydenberg to hear about his most significant year heading up the Government’s key economic portfolio Find out More
Five things to know to sell up and add $300k to super
SIGN UP NOWFREE Footy Tipping is back for 2021! $150,000 worth of prizes up for grabs this AFL season Find out More
Five things to know to sell up and add $300k to super
SIGN UP NOWFREE Footy Tipping is back for 2021! $150,000 worth of prizes up for grabs this AFL season Find out More
Crunching the numbers on child care versus work
BOOK NOWHear direct from The Hon. Mark McGowan MLA just days before West Australians vote at the State election. Find out More
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