Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # Altum Independent Financial Advice Financial Planner Canberra ## Sitemaps - [XML Sitemap](https://altumfinance.com.au/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Why investors need to treat forecasts with caution](https://altumfinance.com.au/why-investors-need-to-treat-forecasts-with-caution/) - Key PointsThe increasing noise around investing – associated with a messier economic and geopolitical backdrop along with an explosion in information flow and the rise of social media – is arguably... - [Another hawkish RBA hold at 4.35% – expect one more hike later this year](https://altumfinance.com.au/another-hawkish-rba-hold-at-4-35-expect-one-more-hike-later-this-year/) - Key PointsThe RBA left the cash rate on hold at 4.35% for the second meeting in a row. Some softer than expected readings for underlying inflation, jobs and home prices allowed it to remain in wait... - [Nine key charts for investors to keep an eye on amidst oil and AI worries](https://altumfinance.com.au/nine-key-charts-for-investors-to-keep-an-eye-on-amidst-oil-and-ai-worries/) - Key PointsThe first half of this year saw good share market returns despite the oil supply shock on the back of the US/Iran War.We remain upbeat on a 12-month view but see a high risk of another... - [Why have Australian living standards fallen and how do we fix it?](https://altumfinance.com.au/why-have-australian-living-standards-fallen-and-how-do-we-fix-it/) - Key PointsFalling real wages and a surge in tax and interest payments over the last five years have led to a slump in Australians’ living standards.But a broader driver of the malaise in living... - [Was life really better in the good old days?](https://altumfinance.com.au/was-life-really-better-in-the-good-old-days/) - Key PointsAngst about economic conditions has been running high in recent times. This is evident in chronically low consumer confidence readings and a downtrend in measures of happiness. It’s also... - [Superannuation: more relevant than ever](https://altumfinance.com.au/superannuation-more-relevant-than-ever/) - A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as one of the most tax-effective investment structures available.For many investors, it’s... - [Teflon share markets – 5 reasons they’re so resilient despite lots of worries](https://altumfinance.com.au/teflon-share-markets-5-reasons-theyre-so-resilient-despite-lots-of-worries/) - Key PointsDespite lots of threats over the last 18 months share markets have proved to be remarkably resilient.This likely reflects a combination of: President Trump’s desire for shares to rise;... - [The RBA undertakes a hawkish pause – we continue to expect a further rise in rates](https://altumfinance.com.au/the-rba-undertakes-a-hawkish-pause-we-continue-to-expect-a-further-rise-in-rates/) - Key PointsAfter three consecutive rate hikes the RBA left rates on hold at 4.35% at its June meeting.However, the RBA retained a tightening bias noting that inflation Is “still too high” and is... - [Australian home prices getting hit by rate hikes and tax hikes – is the super cycle boom from the mid -1990s over at last?](https://altumfinance.com.au/australian-home-prices/) - Key pointsNational average home prices were flat in May according to Cotality, the weakest since January last year. Prices fell further in Sydney and Melbourne, and the boom time cities of... - [The RBA hikes again on the back of the boost to inflation from the Iran War](https://altumfinance.com.au/the-rba-hikes-again-on-the-back-of-the-boost-to-inflation-from-the-iran-war/) - Key points- The RBA hiked its cash rate for the second time this year by another 0.25% to 4.1% in response to inflation running above target and the War with Iran likely to boost it further.- A... - [Shares down on the oil shock - 5 key charts for investors to keep in mind](https://altumfinance.com.au/shares-down-on-the-oil-shock-5-key-charts-for-investors-to-keep-in-mind/) - Key points- The War with Iran has led to a surge in oil prices & worries of stagflation which has pushed share markets sharply lower.- Predicting how this will all unfold is hard. The key is to... - [Three reasons why it pays to be an optimist as an investor](https://altumfinance.com.au/three-reasons-why-it-pays-to-be-an-optimist-as-an-investor/) - Key points- The combination of the natural human tendency to focus on bad news, expectations rising beyond the ability of the economy to deliver, the increased availability of information & the... - [Investment outlook Q&A – oil, bond yields, the Federal Budget and the RBA](https://altumfinance.com.au/investment-outlook/) - Key pointsThe oil supply shock remains a significant threat to economic growth and shares – particularly with the Strait of Hormuz remaining closed and global oil reserves running down.It’s... - [The 2026-27 Budget – responsibility, productivity and fairness - or is it?](https://altumfinance.com.au/budget-2026/) - Key points- The key changes are a wind back in negative gearing, the taxation of real capital gains, numerous moves to reduce regulation, and modest net budget cuts over five years.- The projected... - [The RBA hikes again to control inflation - lessons learned from the 1970s](https://altumfinance.com.au/the-rba-hikes-again-to-control-inflation-lessons-learned-from-the-1970s/) - Key points- The RBA hiked its cash rate for the third time this year by another 0.25% to 4.35% in response to inflation running above target and concerns that it will likely remain so for longer... - [“Never waste a crisis” - The top five things needed in the coming Budget](https://altumfinance.com.au/never-waste-a-crisis-the-top-five-things-needed-in-the-coming-budget/) - Key points- The upcoming Budget is an ideal opportunity to reframe government policy to put the economy onto a stronger path. The latest global crisis adds to the case for this.- The five key... - [Nine key longer term consequences of the US/Israeli war with Iran](https://altumfinance.com.au/nine-key-longer-term-consequences-of-the-us-israeli-war-with-iran/) - Key points- Uncertainty remains high over the US/Iran War with a ceasefire declared but no agreement in talks so far. Tensions continue to remain high and oil flows remain restricted, with Trump... - [The Iran war and markets: Keeping perspective amid uncertainty](https://altumfinance.com.au/the-iran-war-and-markets-keeping-perspective-amid-uncertainty/) - There’s a particular kind of unease that creeps in when market headlines start mixing geopolitics with talk of oil prices and recessions. That feeling has been hard to avoid, as the escalating war... - [The impact of the US/Iran war on economies and markets - Q and A](https://altumfinance.com.au/the-impact-of-the-us-iran-war-on-economies-and-markets-q-and-a/) - Key points- Uncertainty around the duration of the US/Israel war with Iran has intensified with oil prices spiking to $US119/barrel only to then plunge as President Trump hinted that the war may be... ## Pages - [Home](https://altumfinance.com.au/) - Independent financial planner in Canberra offering unbiased advice on super, retirement, tax and estate planning. Book a free intro call today. - [Resources](https://altumfinance.com.au/resources/) - Canberra Financial Planning Resources & Market Insights Canberra Financial Planning Resources & Market Insights Expert Canberra financial planning insights for professionals, covering superannuation strategies, retirement planning, defined benefit schemes (CSS, PSS, MSBS), tax planning, and long-term wealth management. Stay informed with the latest Australian market insights, including interest rates, inflation, and investment trends. The most - [About](https://altumfinance.com.au/about/) - Learn why Canberra families choose Altum for transparent, fee-for-service advice. Experienced planners helping with super, retirement and tax strategies. - [Advice Process](https://altumfinance.com.au/advice-process/) - Curious how our financial planning process works? See how we guide Canberra clients from first call through to ongoing advice and support. - [FAQ](https://altumfinance.com.au/faq/) - Got questions about working with a Canberra financial planner? Find answers on our process, fees and how we can help with your financial goals. - [Contact](https://altumfinance.com.au/contact/) - Speak with a Canberra financial planner today. Serving greater Canberra. Call 02 6106 9937 or book your free 20-minute consultation online. - [Why pre‑retirement planning matters in Canberra](https://altumfinance.com.au/resources/canberra-superannuation-retirement-planning/) - Why pre‑retirement planning matters in Canberra Why pre‑retirement planning matters in Canberra Canberra has one of the highest concentrations of professionals in Australia—especially within the Australian Public Service (APS), Defence, and consulting sectors. Many belong to defined benefit schemes such as the PSS, CSS, or MSBS, while others contribute to accumulation funds like PSSap or - [Superannuation Strategies Canberra](https://altumfinance.com.au/advice-area/superannuation-strategies-canberra/) - Expert superannuation advice in Canberra. Altum helps optimise contributions, consolidate accounts and build a tax-effective super strategy. Book a free call. - [Defined Benefit Super Canberra](https://altumfinance.com.au/advice-area/defined-benefit-super-canberra/) - Specialist advice on CSS, PSS, MSBS and DFRDB defined benefit schemes in Canberra. Understand your entitlements and integrate them into your retirement plan. - [Cash Flow & Budgeting Canberra](https://altumfinance.com.au/advice-area/cash-flow-budgeting-canberra/) - Cash flow and budgeting advice in Canberra. Altum helps you manage income, expenses and savings to support your broader financial goals. Book a free call. - [Tax Planning Strategies Canberra](https://altumfinance.com.au/advice-area/tax-planning-strategies-canberra/) - Tax-effective financial planning in Canberra. Altum helps structure your super, investments and retirement income to improve after-tax outcomes. - [Estate Planning Canberra](https://altumfinance.com.au/advice-area/estate-planning-advice-canberra/) - Estate planning advice in Canberra. Altum helps coordinate super, tax and beneficiary arrangements as part of your broader financial and estate plan - [Wealth Protection Canberra](https://altumfinance.com.au/advice-area/wealth-protection-advice-canberra/) - Wealth protection advice in Canberra. Altum helps you review life, income and TPD insurance to protect your family and financial future. Book a free call. - [Retirement Planning Canberra](https://altumfinance.com.au/advice-area/retirement-planning-canberra/) - Retirement planning advice in Canberra. Altum helps structure your super, income and tax position for a confident, secure retirement. Book a free call. - [Investment Planning Canberra](https://altumfinance.com.au/advice-area/investment-planning-canberra/) - Tailored investment planning in Canberra. Altum helps you build a diversified, tax-aware portfolio aligned with your goals and risk profile. Book a free call. - [Financial Advice Areas](https://altumfinance.com.au/advice-area/) - Explore our advice areas: superannuation strategies, retirement planning, tax advice, and estate planning. Trusted financial planners serving Canberra. - [Altum Finance - Market Insights](https://altumfinance.com.au/resources/market-insights/) - Stay up to date with Australian market insights, interest, inflation, and investment trends. Practical updates to help you make informed financial decisions. - [Death Taxes and Super in Canberra (ACT)](https://altumfinance.com.au/resources/death-taxes/) - Death Taxes and Super Death Taxes and Super in Canberra Many people in Canberra are told that Australia does not have a “death tax”, and technically that is true. There is no inheritance tax or estate duty in Australia, and none applies in the ACT. However, this often leads to a false sense of security, - [Canberra Financial Planning: Building a Confident Retirement Plan](https://altumfinance.com.au/resources/canberra-retirement-plan/) - Canberra financial planners help build your confident retirement income strategy. Understand super ,investments,and Age Pension eligibility for a secure future. ## Categories - [Market Insights](https://altumfinance.com.au/category/market-insights/)