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A loaf of Bread cost 54c in 80’s.  Now this Tip Top cost me over $3. An increase of 5 times the cost.  I call Inflation a ‘Silent Killer’ as it quietly and slowly erodes the purchasing power of the money we have saved.

A $200,000 portfolio over 20 years will lose $33,000 from this silent killer.

  • Take a 3% – Return on Cash
  • Deduct 30% in tax and you are left with 2.1%
  • Take CPI of 3% and you have a return of -0.9%

So if you hear friends or family suggest “I’d rather have money under the mattress’ or ‘my super returns have been awful and I will leave my super in cash’ they may need a gentle push to see a financial adviser.  We can assist them in becoming more confident with the concept of growth investing to combat the rising cost of living.


Joe Stephan

Independent Financial Advisor

Stephan Strategic Director Joe Stephan, a Certified Financial Planner specialises in investment planning and risk management and insurance. With interests in client related communications and efficiency in provision of financial planning services, Joe has worked with both large institutional financial planning firms and smaller boutique practices which have provided a well rounded knowledge and expertise in various socio-economic groups.

  • Enjoy the fruits of working life Joe & James were able to provide me with the impetus to take the next step into retirement which could have been delayed without quality financial advice. Dr. Kevin Adams Self Funded Retiree
  • Professional practice to be admired Joe & James' professional practice is to be admired. They are always there for his clients when needed. They freely pass on their expert knowledge without hard product selling techniques. Dr. Elspeth Mckay Associate Professor
  • Personal advice for complex lives Stephan Independent Advisory took the time to understand our situation & tailor their advice & solutions to our specific needs which, being a business owner, can be quite complex. Paul Marsh - Principal P2 Group - Business Owner
  • Family centered advice We have moved our investments from being a private client with a major bank to Stephan Independent Advisory in 2018. Since this move, we have been surprised at the depth of understanding encountered from Joe and James about our future plans and their ability to comprehend exactly what we wish to achieve. Mr Graham and Mrs Judith McKnight Self Funded Retirees
  • Values aligning with our own Clear, timely and direct responses in all areas of communications are outstanding. Meetings are planned and run efficiently to deliver on all our expectations. The firm’s values align to our own so that trust is readily established. Mr John and Dr Kim Watty Self Funded Retirees

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A 15 MIN
Stephan Independent Advisory
Private Wealth Management
Suite 506, 1 Princess Street, Kew VIC 3101