Welcome to our summer edition of The Edge.

Markets have continued to show good momentum, with global inflation easing and early signs that interest rate cuts could be on the horizon. Closer to home, steady economic indicators are adding to a sense of confidence, giving Australians more reason to feel positive about the months ahead.

In this edition, we look at the recontribution strategy and how it can be used to benefit you and your loved ones. We also provide an overview of the three key retirement income stream solutions in Australia, including Account-Based Pensions, Annuities and a relatively new product category known as IRIS, or Innovative Retirement Income Solutions. As always, the Research Team provides their Market Update for Quarter 3.

In the coming weeks, we will invite you to participate in our annual Net Promotor Score (NPS) client survey – to provide your feedback on how Shadforth and your adviser have served your needs over the past 12 months. The invitation will come from our research partners, Insync and you can remain anonymous should you choose. I would greatly appreciate you taking 10 minutes to share your views and any areas for improvement so we can continue to enhance the services we provide.

Later this month, we will share a recording outlining the recent changes to Aged Care coming into effect in November. I hope you find this a valuable resource to help you navigate this often-complex area and welcome you to share it with friends and loved ones who might benefit from the content.

I hope you enjoy this edition of The Edge – and, as always, if you have any feedback regarding our service, advice, or investments, please do not hesitate to contact me at ceo@sfg.com.au.