top of page
Search
Home ownership vs rent-vesting: what the numbers show for retirement
We modelled rent-vesting against home ownership for a couple who had just received an inheritance. By age 80, the gap was around $2.2 million.
Oct 213 min read
The Maximum Amount You Can Get Into Super in One Year
Discover how an eligible couple could contribute more than $1.1 million to super in a single year using bring-forward and catch-up contribution rules, plus special opportunities for business owners.
Oct 135 min read
Is Financial Advice Worth It in Australia? A Complete Guide for 2026
Is financial advice worth it? For many Australians, the answer is yes, particularly during major life events such as retirement, receiving an inheritance, paying off a mortgage, building significant investments or navigating complex financial decisions. In this guide, we explore the true value of financial advice, how advisers help clients achieve their goals, when ongoing advice may be worthwhile, and why many successful professionals choose to delegate their finances to a t
Sep 306 min read
What Should You Do With an Inheritance in Australia? The Hidden Tax Traps, Investment Decisions and Planning Opportunities Most People Miss
Received an inheritance in Australia? Learn how inheritance affects tax, CGT, superannuation, Centrelink, property and family trusts, and avoid costly mistakes.
Sep 106 min read
What Is the Difference Between a Superannuation Accumulation Account and an Account-Based Pension?
Most Australians know they have superannuation, but many don't realise there are two very different phases of super: an accumulation account and an account-based pension. Understanding the differences can significantly reduce tax, increase retirement income and potentially save tens of thousands of dollars over your lifetime, particularly once you reach age 65 or satisfy a condition of release.
Sep 25 min read
Can AI Replace a Financial Planner?
Michael Sauer is a Financial Planner and founder of Source Wealth. He believes that while AI can improve access to financial information, the most valuable financial advice remains deeply personal, behavioural and human.
Aug 253 min read
How you can pay Less Capital Gains Tax - with the recent budget changes.
Much of the commentary post the budget has been about capital gains taxes increasing. However, there are certain situations where the indexation method is more attractive.
Aug 33 min read
Defined Benefit Pensions: Choosing the option that best fits your retirement goals
Retirement and redundancy often trigger important defined benefit pension decisions. Learn how personalised financial advice can help you compare your options, understand the risks and opportunities, and choose a strategy that aligns with your long-term goals.
Jul 235 min read
The 10 Biggest Retirement Mistakes Australians Make (And How to Avoid Them)
Retirement can be one of the most rewarding stages of life—but simple mistakes can cost Australians thousands of dollars and years of financial freedom. Discover the 10 most common retirement planning mistakes and the practical steps you can take to avoid them.
Jul 95 min read
New Residential Property Loans Banned in SMSFs (and why this may be a blessing in disguise for many investors).
The government is set to ban new loans for residential property in SMSFs. These changes will help protect financially illiterate/naïve people’s retirement savings from making investment mistakes. Having diversification in superannuation investments protect people from making no or low returns which is imperative to living a comfortable retirement.
Whilst it is a shame that property experts will be impacted, overall, as a Financial Planner this is a positive step for consumer
Jun 263 min read
Can I Retire Overseas and Still Receive the Age Pension?
You can receive the Age Pension while living overseas, but your payments often reduce over time due to loss of supplements and residency-based rules.
Understanding the 6-week, 26-week and 35-year residency rules is critical to avoid unexpected drops in income when planning an overseas retirement.
Jun 54 min read
How Much Should I Have in Super at 40 and 50? (The Benchmarks That Actually Matter)
Your super balance at 40 and 50 matters because it shows whether you’re on track to reach the tax‑free retirement cap, which is projected to grow significantly over time. With ongoing employer contributions and investment growth, most high‑income earners need roughly $560k at 40 and $1.15m at 50 to stay on target. Understanding your position early — and getting tailored financial advice — can make a six‑figure difference to your retirement outcome.
May 262 min read
2026 Budget Tax Changes Explained: CGT, Negative Gearing and Trust Reforms - and what they mean for investors.
New Budget rules on CGT, negative gearing and trusts will significantly affect property investors, retirees and high‑income families. This summary explains the changes and highlights practical strategies to protect your after‑tax returns.
May 145 min read
How Much Life Insurance Do High‑Income Families Actually Need? A Practical, No‑Nonsense Guide
Most people are under‑insured without realising it. This article shows you how to calculate the right level of cover — and how we can help you secure the best policies for you.
May 113 min read
Should You Pay Down Your Mortgage or Invest? A Practical Guide for High‑Income Australians
Is your expected after‑tax investment return higher than your mortgage interest rate?
If yes → investing may build wealth faster.
If no → paying down the mortgage is usually better.
May 62 min read
What Insurances do Business Owners Need?
When you have built a great business, you want to make sure the fruits of your labour are protected...
Life Insurances tailored to business owners are crucial in protecting the value of your business if one of the owners becomes seriously sick, injured or passes away.
May 14 min read
What Happens in a Financial Planning Review Appointment?
A Financial Planning Review is beneficial for confidence, clarity, accountability and peace of mind.
Apr 222 min read
Default Superannuation Insurance
Financial Advisers can help:
Calculate the cover levels you need based on your individual circumstances.
Find the best insurer for you past on cost, quality and if you have any pre-existing health conditions.
Often save people money/tax on a like for like basis compared to the default insurance in their super.
Apr 82 min read
Can I Retire Early? (before age 60)
Retiring early requires you to pay off your home loan, build your superannuation, and build your personal non-super investments to use before age 60. As Financial Planners we can assist with this goal and helping you make trade off decisions.
Mar 312 min read
Should You Buy a Car Outright, Finance It, or Use a Novated Lease?
One of the common questions we receive from clients is "how should I purchase my next vehicle?". The right answer depends on your tax situation, cashflow, interest rates, opportunity cost and individual circumstances!
Mar 233 min read
bottom of page