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Why Financial “Clarity” Matters More Than a Perfect Budget
Finance Scott Thornton 19/12/25 Finance Scott Thornton 19/12/25

Why Financial “Clarity” Matters More Than a Perfect Budget

There’s a strong belief that having a detailed, perfectly organised plan for money will automatically lead to better decisions and better outcomes.

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The Overlooked Side of Wealth: Beyond Numbers and Strategy
Finance Scott Thornton 12/12/25 Finance Scott Thornton 12/12/25

The Overlooked Side of Wealth: Beyond Numbers and Strategy

True financial wellbeing isn’t just about numbers. Discover how aligning your head, hands, and heart creates lasting peace with money and life.

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The Power of Compounding : How Time Does the Heavy Lifting
Finance Scott Thornton 5/12/25 Finance Scott Thornton 5/12/25

The Power of Compounding : How Time Does the Heavy Lifting

Compounding is the process of earning returns on your previous returns. In simple terms, it’s money making money and over time, those earnings grow exponentially.

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Why Markets Move: A Simple Guide to What Drives Ups and Downs
Finance Scott Thornton 28/11/25 Finance Scott Thornton 28/11/25

Why Markets Move: A Simple Guide to What Drives Ups and Downs

Market movements often attract attention, especially when the numbers shift more than usual. While these changes can feel sudden, they are usually the result of information being processed in real time.

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Building Financial Resilience: How Portfolios Withstand Market Storms
Finance Scott Thornton 20/11/25 Finance Scott Thornton 20/11/25

Building Financial Resilience: How Portfolios Withstand Market Storms

 Market downturns, recessions, and unexpected shocks whether global or domestic can test even experienced investors.

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5 Questions to Ask Yourself Before the Next Big Financial Move
Finance Scott Thornton 31/10/25 Finance Scott Thornton 31/10/25

5 Questions to Ask Yourself Before the Next Big Financial Move

It’s easy to get swept up in the excitement of a big financial decision, buying property, changing jobs, starting a business, or making a major investment. But the most confident financial moves aren’t made in urgency. They’re made in clarity.

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The Rhythm of Money: Creating a Flow That Matches Your Life
Finance Scott Thornton 24/10/25 Finance Scott Thornton 24/10/25

The Rhythm of Money: Creating a Flow That Matches Your Life

Most of us are taught that money is linear.
Earn, save, invest, repeat a cycle of forward motion that should, in theory, bring stability and growth.

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Protecting Your Future Self: The Overlooked Side of Financial Planning
Finance Scott Thornton 17/10/25 Finance Scott Thornton 17/10/25

Protecting Your Future Self: The Overlooked Side of Financial Planning

In a year marked by rising living costs, economic uncertainty, and increasing workplace burnout, more Australians are realising that growth means little without security.

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Financial Freedom Before 50? Why More Australians Are Making It Happen
Finance Scott Thornton 3/10/25 Finance Scott Thornton 3/10/25

Financial Freedom Before 50? Why More Australians Are Making It Happen

For decades, retirement planning in Australia was straightforward: work into your 60s, contribute to super, then rely on it alongside the Age Pension.

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SJT Financial Services is a Corporate Authorised Representative of:

Avana Financial Solutions Pty Ltd

AFSL: 516325
ABN: 67 631 329 078
Location: Level 4, Suite 409, 434 St Kilda Road Melbourne VIC 3004
Telephone: (03) 9972 8722
Email: Hello@avana.net.au

Corporate Authorised Representative Number (ARN): 001253149

ABN: 89 618 120 880
Email: scott@sjtfinancial.com.au
Phone: 0408 586 619

0408586619   scott@sjtfinancial.com.au

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