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.

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.

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!

SMSFs are fantastic for the right clients, and terrible for the wrong clients. As Financial Planners, we are best placed to assess your circumstances and determine whether an SMSF would be right for you, and then provide you with ongoing guidance and support if they are.

Should I retain my current house as an Investment Property when upgrading my home? We discuss two benefits and two disadvantages to consider of retaining the home as an investment.

The RBA has increased interest rates by 0.25% on the 3rd of February 2026 to combat higher than expected inflation. Interest rate rises are: Bad for those with mortgages as their repayments increase, and their surplus cashflow decreases. Typically good for those who have finished paying off their home loan, as the interest rates on their fixed income investments (such as cash, term deposits and bonds) increase.

The value of Financial Advice comprises of Strategy, Product, Execution and Time and Effort Benefits.

Wealth brings opportunity, but it also brings complexity. For affluent Australians and high-net-worth individuals, Financial Planning is more than paying off the mortgage and saving for retirement; it’s about structuring wealth to live the life you want and to create a legacy.

We help people decide whether to sell or keep their investment property based on a cost/benefit analysis and whether the strategy fits their wider goals and objectives.

Salary sacrifice provides two big benefits: Overall tax is reduced as super contributions are taxed at only 15% p.a. The investments in super are able to provide generous returns which and have a long time period to benefit from compounding returns, in a low tax rate environment.

The decision of whether to take your annual or long service leave is a consideration of the Age Pension, tax and the time value of money. We can help you decide what to do.

A Financial Plan is the key deliverable of the Financial Planning Process. It contains the recommendations, reasons for recommendations, alternatives considered and financial modelling. It helps show clients how the advice will put them in a better position.

As we have demonstrated, purchasing both ETFs and property can be a good strategy for you depending on the circumstances. We have deliberately not concluded which performs better because the answer really is – it depends. The long-term average of quality high growth ETFs and quality investment properties is likely around ~9% per annum net, however the key word here is: quality. Purchasing inferior investments can lead to a much lower investment rate of return.

We are pleased to report that both of these issues have been addressed and that the proposed tax will no longer be applied to unrealised gains, and the cap will be indexed. However, it is not all good news for high net worth individuals: The government has instead proposed an additional amendment that balances above $10m would incur tax at 40%. This change is interesting because as the visual shows, for high net worth individuals, for the first time, superannuation could no

When you retire after age 60, most people can convert their super to a tax free pension income account. If you have no other personal investments, or the income generated is less than the tax free threshold (~$20,000) per annum, then negative gearing is no longer useful as you have no taxable income to be able to deduct.

By not paying enough attention, you could be leaking thousands of dollars a year in expenses that provide you no value! Think about all the things you could be doing with that money instead, and take action on eliminating waste!

When you have been through a serious personal injury, disability or illness it is imperative you receive financial advice to ensure you make the best decisions with your proceeds. our role is to: Determine which strategy outcomes to take and to optimise, Minimise overall tax, often via the use of Account Based Pensions (where applicable), Minimise TPD tax (where applicable) , Maximise Centrelink Disability Support Pension (where applicable), Help people invest their money,

FIRE is a lifestyle and financial movement that focuses on achieving financial independence earlier than the traditional retirement age. We explore this movement in the context of Australia.

Once you turn 60 and are fully retired or reach age 65 (even if you are still working), you are eligible to access a tax free pension account. If you leave your money in super, it continues to be taxed at 15% on the earnings. This means for an account balance of $500,000 you would be paying at extra $3,000 per year * of tax that you don't need to pay!

$310,000 per annum is of course an arbitrary number (albeit using the best average data possible) and we know that clients of all shapes, sizes and income levels perceive financial advice value in different ways. There are many clients who may earn less than this figure and are happy to pay several thousand a year in Financial Advice fees for clarity, peace of mind and to improve their financial wellbeing.