THE ADVISER’S NOTEBOOK
November 2025
Welcome to the November Edition of the Adviser’s Notebook!
As we move into the final stretch of the year, November is a valuable time to pause, reset, and plan thoughtfully before the holiday season begins. It’s a month where life can start to speed up; socially, financially, and in markets so taking a moment now to reflect and prepare can make the months ahead feel a little smoother and more intentional.
I also wanted to share a quick personal note, I’ve been recognised again on the 2025 FS Power50 list, marking my fourth year included. I’m genuinely grateful for the acknowledgement, but even more grateful for the trust you place in us. The real reward is the work we do together every day, helping you make confident, values-based financial decisions for your life and family. Thank you for being part of this journey.
This month, we’ve also included a brief quarterly investment update. Markets delivered strong performance across many key sectors through Q3, driven particularly by continued growth in technology and AI-related industries globally. Overseas central banks have begun cautiously easing interest rates, which may influence valuations and currency movements heading into next year. Meanwhile, Australia’s resource and export sectors have shown resilience, benefiting from global demand and commodity strength. It’s a good moment to check in on your portfolio positioning, especially with year-end approaching.
Alongside the update, you’ll find articles focused on our November theme: Pre-Holiday Budgeting & Smart Investing including practical strategies for managing spending, keeping debt in check, and maintaining your investment discipline even through a busy season.
As always, if anything in this month’s insights raises questions, or if you’d like to review your financial strategy before the end of the year, please feel free to reach out. We’re here to support you.
Warm regards,
Gavin Glozier, Grad Dip, Fin Plan
CEO & Principal Financial Adviser
P 1300 763 498 • M 0408 155 140
Level 17, Angel Place, 123 Pitt Street, Sydney NSW 2000
Life the life you want to live.
Don’t Dive Into The Holidays With Unnecessary Debt
It’s no secret: the end-of-year festivities often bring extra expenses: gifts, travel, social events; and for many Australians that means more debt. This cheat sheet from Mozo offers a simple yet effective roadmap to navigate the season without compromising your financial health. You’ll find practical moves like creating a dedicated “holiday war chest”, setting a realistic gift budget, and identifying quick savings opportunities so you can enjoy the celebrations with less stress and more control. Click through to get ahead of your spending, protect your savings, and start your summer season from a position of strength.
Plan Your Christmas Spending Before
You Splurge
The festive season often sneaks up and with it comes an extra surge in spending. This article from ABC News walks through practical ways to prepare financially for the holidays: from setting realistic budgets and prioritising spending, to handling unexpected costs and avoiding year-end debt traps. Whether you’re looking to enjoy a stress-free holiday or simply want your savings to stay intact, this read offers timely, actionable advice to help you celebrate smart.
Holiday Spending Gets A Reset
New research shows that nearly half of Australians are planning to pull back on their holiday spending this year, prioritising savings and value over excess. savings.com.au
If you’re looking to start the season strong and avoid common spending traps, this article is a timely reminder to plan thoughtfully, spend with intent, and keep your financial health intact.
Optimise Your Investing As A Couple
As we head into the holiday season, many couples start thinking about budgets, shared expenses and long-term financial goals. This article explores how the way you structure your investments as a couple can directly impact your after-tax returns and ultimately, how much money you keep. From choosing whose name investments should be in, to managing tax brackets and super contributions, small structural decisions today can support smarter spending and stronger savings later. A timely read for couples wanting to make confident, intentional financial choices heading into the new year.
Check In On Your Super: Don’t Let It Sit Idle
New research shows that 1 in 4 Australians have never engaged with their super fund, and many only check their balance once or twice a year. But a quick review now, before the busy holiday season can go a long way. Understanding your investment options, contribution strategy, and fees can help your super work harder for your future, without requiring a big time commitment. This article explains why staying involved, even in small ways, can make a meaningful difference to long-term financial wellbeing.
What “No More Rate Cuts In 2025” Means
For You
The latest analysis suggests the RBA may hold off on further interest rate reductions during 2025, a shift that could impact borrowing costs, savings returns and investment choices. With the festive season expenses looming, understanding interest-rate direction becomes especially important for homeowners, investors and savers alike. This article dives into what’s driving the pause on cuts and how it might affect your budget, cash flow and debt strategy going into year-end.
