Joel Carty CFP®

Financial Planner, Solace Financial

Joel is a CERTIFIED FINANCIAL PLANNER Professional at Solace Financial with over 20 years of experience. He takes a consultative and collaborative approach to building long-term relationships with clients, regularly meeting with them to review progress and ensure their financial plan stays on track as markets, legislation, and personal circumstances change. This approach helps clients feel supported and confident in their financial decisions.

Articles by Joel Carty CFP®

Joel Carty CFP®

Building an emergency fund on any income

Australians are feeling the pinch. Uncertainty around interest rates, mortgage repayments, record rents, and the ever-increasing cost of groceries and fuel mean many households are struggling just to keep up. For many families, one unexpected bill - car repair, medical expense, or time off work - can send finances into a tailspin.

Joel Carty CFP®

Investing with purpose – how ethical investing can align your money with your values

We’re living in a time where climate change, social inequality, and corporate accountability aren’t just headlines - they’re shaping how people think about their money. More Australians are asking, “Can my investments reflect the kind of world I want to live in?”. Ethical investing offers a powerful way to answer that...

Joel Carty CFP®

Intergenerational wealth – ensuring your family benefits

Joel Carty CFP®

Build wealth or pay the mortgage – what are your options?

For many Australians, deciding whether to focus on building wealth or paying off the mortgage is a major financial crossroads. With uncertainty around interest rates, inflationary pressures, and a mixed economic outlook, the question has become even more relevant in 2025. Should you channel extra funds into your home loan, or invest t elsewhere to build your financial future?

Joel Carty CFP®

Tax-effective investing: strategies to grow your wealth while minimising tax

Investing isn’t just about growing wealth - it’s about doing so efficiently. In Australia, taxation plays a critical role in shaping investment returns, but with the right approach, investors can legally minimise tax and maximise gains.

Joel Carty CFP®

Protecting your today and tomorrow – it’s not just about insurance

Personal risk mitigation is a cornerstone for ensuring long-term financial stability and security. For Australians, understanding and implementing effective risk management strategies is crucial to safeguarding their financial future.

Joel Carty CFP®

8 quick wins for managing debt

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