 
Civic Financial Planning's Office at
1st Floor, Pharmacy Guild House
15 National Cct
BARTON ACT 2600
Postal Address is
Locked Bag 3
KINGSTON ACT 2604
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With approximately 70% of referrals to Civic Financial Planning coming from existing clients who refer their family, friends and colleagues we are very confident our services represent excellent value for money
Civic Financial Planning is Canberra’s largest privately owned financial planning practice and available to cost effectively assist with you with your strategic financial planning requirements
Financial Planning is Essential
Constant changes to rules affecting superannuation and rollovers, together with the many financial products and opportunities available, make decisions difficult. Financial planning involves designing strategies for all areas of personal finance. Advice must be tailored to your individual
needs to gain the maximum benefit from strategies and investments.
Civic Financial Planning is Canberra's largest privately owned financial planning practice with particular expertise in the public sector superannuation funds and also general investment strategies.
Our practice can provide strategic and/or investment advice whether you are in the wealth creation phase, approaching retirement or have reached retirement and are concerned about all the options available to you.
We have available a comprehensive range of well researched investments.
Professional analysis takes into account your assets and liabilities, risk profile, current and future income requirements and is the initial part of our service. Once your plan is in place, regular reviews ensure that it maintains its effectiveness, and is appropriate for changing needs
and circumstances.
2008 FEDERAL BUDGET
The 2008 Federal Budget was presented to Parliament on 13 May 2008. Click the link below for a summary of the budget.
Click here for a summary of the 2008 Federal Budget
House prices and debt - Australia's Achilles heel
AMP Capital's chief economist Dr Shane Oliver provides his views on future housing prices.
Click here to download Shane's article
The implications of Barack Obama’s election victory
AMP Capital's chief economist Dr Shane Oliver provides his views on the US economy following the election of Barack Obama as President.
Click here to download Shane's article
Global & Australian growth & the outlook for interest rates
AMP Capital's chief economist Dr Shane Oliver provides his comments on future growth and interest rates
Click here to download Shane's article
Shares, frozen money and bank bailouts
AMP Capital's chief economist Dr Shane Oliver provides his comments on bank grantees and bailouts
Click here to download Shane's article
The continuing roller-coaster ride in financial markets
AMP Capital's chief economist Dr Shane Oliver looks at the current turmoil in the financial markets.
Click here to download Shane's article
Super funds and negative returns
AMP Capital's chief economist Dr Shane Oliver looks at the negative returns in superannuation funds over the last financial year which have flowed from the slump in financial assets.
Click here to download Shane's article
How big a threat is inflation?
AMP Capital's chief economist Dr Shane Oliver gives his view on the risk of higher inflation.
Click here to download Shane’s article
THE OIL CRISES AND INVESTMENT OUTLOOK
AMP Capital's chief economist Dr Shane Oliver provides a summary of where he thinks Australian oil prices are going.
Click here to download Shane’s article
THE OUTLOOK FOR AUSTRALIAN HOUSE PRICES
AMP Capital's chief economist Dr Shane Oliver provides a summary of where he thinks Australian house prices are going.
Click here to download Shane’s article
SHAREMARKET UPDATE
The vote is in. Analysts believe the US economy is falling into recession. How long will it last? What are the sharemarket implications? Are we passed the worst? Matthew Sherwood, Senior Manager, Investment Markets Research at Perpetual answers these questions and discuses why the sharemarket leaders in this new environment are likely to change.
Click here to download the Perpetual article "Survivor: US economy - the tribe has spoken
CURRENT SHAREMARKET VOLATILITY
Investment volatility has increased in recent days as the company profit reports in the US indicate some major banks have incurred substantial losses from the US credit crisis.
The US Federal Reserve stands ready to act to support the US economy and a 0.5% interest rate cut later this month is becoming increasingly expected by some analysts. A cut of greater than 0.5% may well be a catalyst for markets to stabilise and bounce back.
While the media focus on investment markets is currently quite intense it is important to focus on the fundamentals. The Australian economy remains sound and the current volatility will pass. Internationally, with the exception of the US global growth, expectations remain good in many areas. In relation to the US the general expectation is that the
economic slowdown will be short lived.
We are expecting volatility to continue through the next few months and for markets to commence a recovery in the second half of 2008. For long term investors, the selling of investments when markets have corrected should not be considered when there is an expectation of recovery in the short term. These type of corrections are in fact more closely aligned to buying opportunities.
For long term investors the current investment market correction, as has occurred in previous corrections, will prove to be a small blip in a long term upward trend in investment markets and should therefore be of no major concern.
Election 2007 - the wash up
The election of the Australian Labor Party (ALP) will have a number of consequences for investors and retirees. A number of initiatives that formed part of the ALP's election and policy platform may become law in the near future.
Click here to read what may become law following the ALP becoming the Government.
GLENN WORLEY CFP, Dip FP
Volatile Share market
There has been some volatility in the sharemarket recently caused by issues in the Asia Pacific Markets.
Click here to read the latest news on the Asia Pacific Markets by Fidelity.
Current superannuation issues
Included under "Hot Topics" are a series of articles written by Civic Financial Planning on current superannuation issues. These articles have also been published in PS News.
Click on the link to "Hot Topics" below to go to the "Hot Topics" page.
Link to "Hot Topics"
Other current superannuation and financial planning issues
The Government has finalised new superannuation arrangements to apply from 1 July 2007.
Click here to read our summary of the new superannuation arrangements.
Market Insights - Australian shares
By Challenger Managed Investments Ltd
A Plan to Simplify and Streamline Superannuation - a 2006 Budget Proposal
Civic has made a submission to Treasury in relation to these proposals
READ MORE >
Client Wins
We regularly achieve significantly improved financial outcomes for our clients, here are some examples of recent achievements:
READ MORE >
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