Welcome to 2020!

The year can officially start as school has returned, Australia Day weekend is over and we can all get down to business as usual. Great returns for 2019 if you missed it as well.

What a crazy start to the new decade it has been:

Much of Australia has burned (public support was amazing)
Flooding in parts of Australia with recent rains
World War 3 could have started with Iran
Kobe Bryant killed in a helicopter crash
The outbreak of coronavirus (see video below)
Earthquakes and Volcano eruptions around the world

It’s not even February! But how good is it to have some rain again.

For February – March my focus is going to be on reviewing home loans. So I will try and give you a call (I know who doesn’t have a home loan), and checking if there is anything I can do to improve the structure and rate. Both are as important as the other. Plus I will show you how to pay it off as fast as you like as a bonus. Because I’m a money nerd and love that sort of stuff.

The 2020 focus for me is going to be on automation. (Oh, and getting fit.) Automation of bank accounts so that you know exactly where the next dollar is going. Whether you are a retiree or accumulator, setting things up so you know exactly how much money you can spend on lattes and spoiling the kids (or grandkids) and still meeting your goals. If you want to build wealth, automation is key as it deletes behavioural finance related complications. You don’t spend what you don’t have.

This is the last email update under Windmill Financial branding, will be updating name and signage and sending out a bunch of letters in a couple of weeks. Changed name online a month ago. Also updating to a better email system.

Office lease signs are down, staying put to the end of the year at least. Too much happening in the background to move office.

Late last year I completed a 3.5-hour exam for the Financial Adviser Standards and Ethics Authority. This is meant to prove you know what you are doing to stay in the industry. You should be pleased to know I passed without any real study (hey, I was busy!), so you are in good hands.

Now, what do YOU want from me in 2020?