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Client notes from the last two quarters
I followed the ETF comparison guide and finally moved the old mutual funds with the 1.2% expense ratio. The switch took one phone call and a form.
Turning 52, I thought I had missed the window. The 50s planning article made me check my super and adjust the salary sacrifice. Small change, clear effect.
The dollar-cost averaging piece convinced me to set a fixed monthly transfer. I no longer check prices every morning, and the account grows without the stress.
After the inflation protection guide, I moved three months of expenses into a high-interest account. It is not exciting, but it makes the rest of the plan feel solid.