Most people start the year thinking about saving more, paying off debt and/or building wealth. While the instinct is right, the execution is often incomplete. Financial goals are not just […]
What financial goals should I set for the new year in Australia? Read More »
When people think about retirement readiness, the conversation usually starts with money. Will my assets last? How much income can I sustainably draw? They are important questions. But they are
Are you ready to retire? Check out this retirement readiness indicator. Read More »
Retirement planning rarely unravels for the dramatic reasons people imagine. It’s usually the quieter factors, often behavioural and unintentional, that have the biggest impact over time. In our conversations, a
The Three Mistakes That Sabotage Retirement Plans for WA Families Read More »
The government has announced it will make some practical changes to its proposed tax changes for people with large super balances (over $3 million) that will now take effect from 1 July 2026.
What’s changing?
Is it better?
What do you need to do?
Changes to How Super Earnings are Taxed for Large Balances Read More »
For many Australians, high-interest online savings accounts have been a reliable way to grow cash savings. ING and UBank, in particular, have been long-time favourites thanks to competitive rates and
Upcoming Changes – Can “High Interest” Savings Accounts Still Work for You? Read More »
The FIRE movement: Financial Independence, Retire Early, has captured global attention over the last decade. Originating in the US, FIRE is about saving and investing aggressively so you can step
Financial Independence, Retire Early (FIRE): What It Means for Australians Today Read More »
Raising financially capable kids is one of the greatest gifts a parent can give. In a world of tap-and-go payments, Afterpay, and digital wallets, teaching children about money is more
Teaching Kids About Money: A Guide for Australian Families Read More »
What it is: A proposed additional 15% tax on a portion of superannuation earnings, including unrealised capital gains, for individuals whose total superannuation balance (TSB) exceeds $3 million (this threshold is not indexed)
The Federal Government has passed the Aged Care Act 2024, introducing the most significant reforms to Australia’s aged care system in over a decade. Designed to improve quality, fairness, and sustainability, these changes will affect both home care and residential aged care fees and will take effect from 1 November 2025.
Aged Care Reforms: What You Need to Know Before November 2025 Read More »
Retirement planning is rarely straightforward, and when one partner reaches Age Pension age before the other, the rules can feel even more complicated. But with the right strategies, couples can often qualify for more and make their money go further without compromising on lifestyle.
Maximising your Age Pension: How couples with an age gap can plan smarter Read More »
Retirement is not just an endpoint; it is a significant life transition that requires thoughtful planning. For many Australians, one of the most critical stages in this journey is moving from the accumulation phase, when you’re building your super, to the pension phase, when you start drawing an income from your savings.
Transitioning to Retirement: Smart Strategies to Overcome Challenges and Maximise Income Read More »
As $3.5–$5 trillion in intergenerational wealth shifts hands, learn how smart inheritance planning in WA can safeguard your legacy and avoid legal risks.
The great wealth transfer is here Read More »
Advice regarding income tax considerations for wealth accumulation needs to very personalised, as do the investments selected.
Income tax considerations for wealth accumulation Read More »
Superannuation isn’t automatically tax-free when passed on to beneficiaries, especially if those beneficiaries are your adult children or other non-dependants.
How to minimise the tax adult children and non-dependants pay on inherited super Read More »
With proper planning and smart use of available strategies, early retirement can be much more achievable than it initially appears.
