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Insights and guidance to inform and shape your financial fitness

Stay informed and take control of your financial future with our blog. We share expert insights and financial strategies to help you build wealth.

Sequence of returns risk hero by Victor Idoko, CFV Advisory — $137,600 five-year gap and $38,600 recovered by a cash bucket

Aug13

Bucket Strategy Explained Simply — For Australians

Sequence of returns risk is the reason two Australians can earn exactly the same average return over five years and finish $137,600 apart. In short: ...

Retirement bucket strategy hero by Victor Idoko, CFV Advisory — 7 years of spending protected and $85,000 target annual spend

Aug11

The Bucket Strategy

A retirement bucket strategy does not change what your portfolio earns. Instead, it changes what you are forced to sell, and when. For an Australian ...

Victor Idoko CFV Advisory Structures Basics July — wealth planning sequence, trusts companies super, business concentration risk and adviser-accountant coordination for Australian dual-income families

Aug07

Wealth Planning Structure Australia: Build It Right

Most high-income Australian families think about structure in the wrong order — and build it for the wrong reason. This July, we spent a month ...

Aug06

Your ‘Enough’ Number at 50

Most couples reach fifty having never once done this calculation. Not because it is hard, but because nobody ever told them it takes twenty minutes. ...

Aug04

How Much Is Enough at 50?

At forty, compounding does the heavy lifting. At fifty, you do. That single reversal explains almost everything about what changes in the second half of ...

Accountant and financial adviser teamwork guide by Victor Idoko, CFV Advisory — 57% of Australian families fear tax most in wealth transfer

Jul30

How Your Accountant and Financial Adviser Should Actually Work Together

Your accountant and financial adviser should feel like one team with clear roles and a shared goal — yet for most Australian families, the two ...