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How to Choose the Right Financial Adviser in 2026

With the festive season behind us and the year now well underway, many Australians are turning their attention to what February and beyond may hold for interest rates. 

The new year reality check 

Christmas is well and truly behind us and 2026 is now in motion. For homeowners, investors and businesses alike, attention has shifted from festive spending to the economic conditions shaping the year ahead. 

Interest rates remain a key focus. After holding steady through the final months of last year, the cash rate sits at 3.60%. While many hoped for early relief, the Reserve Bank has remained cautious as inflation continues to challenge the broader economic outlook. 

February is shaping up to be an important checkpoint rather than a turning point. 

Why interest rates have remained steady 

In recent months, inflation has proven more persistent than expected. While there has been progress compared to previous peaks, recent data suggests inflationary pressures are proving difficult to fully contain. 

Economic growth has improved, consumer demand has shown resilience and labour market conditions remain relatively tight. Together, these factors have reinforced a cautious approach from the Reserve Bank, which has signalled that it needs more data before adjusting policy settings. 

For now, stability rather than movement has been the theme. 

What February may signal 

With the first policy meeting of the year scheduled for early February, speculation has increased around what the next move might be. 

Some economists believe the cash rate may need to rise modestly if inflation remains elevated. Others expect rates to remain unchanged while the Reserve Bank continues to assess inflation data, particularly quarterly CPI figures. 

There is also a view that rate cuts may still be possible later in the year if inflation shows clearer signs of easing. At this stage, forecasts remain divided, reinforcing that February is more about guidance than certainty. 

What this means for households and investors 

For borrowers, the current environment highlights the importance of planning rather than prediction. While rates may rise, fall or remain unchanged in the months ahead, the underlying message is that higher-for-longer interest rates remain a possibility. 

For investors, stable but elevated rates continue to influence asset values, borrowing strategies and cash flow decisions. Superannuation and SMSF strategies may also require review to ensure they remain aligned with changing conditions. 

Periods of uncertainty often reward preparation over reaction. 

Planning beyond February 

Rather than focusing solely on the next rate decision, it can be more valuable to consider what the year ahead may bring more broadly. 

This may include: 

  • Reviewing loan structures and repayment strategies 
  • Stress testing household cash flow 
  • Revisiting investment allocations 
  • Ensuring superannuation strategies remain appropriate 

Financial planning in uncertain environments is less about timing the market and more about building resilience and flexibility into your strategy. 

Staying focused on what you can control 

Interest rate decisions sit outside our control. What can be controlled is how prepared you are for different outcomes. 

Having a clear understanding of your financial position, your goals and your capacity to adapt can help reduce anxiety and improve decision-making, regardless of what the Reserve Bank does next. 

Looking ahead with confidence 

While most advisers act professionally, it is important to be aware of potential red flags. These may include: 

  • Pressure to make quick decisions 
  • Lack of clarity around fees or services 
  • Advice that does not appear tailored to your situation 

If something does not feel right, it is okay to pause or seek a second opinion. 

For personalised financial advice or to review your financial planning strategy in light of changing interest rate conditions, speak with Poole Advisory or book an appointment today. 

  

Compliance Disclaimer: 

This information contains general advice only, that is, advice which does not take into account your needs, objectives, or financial situation. You need to consider the appropriateness of that general advice in light of your personal circumstances before acting on the advice. You should obtain and consider the Product Disclosure Statement for any product discussed before making a decision to acquire that product. You should obtain financial or credit advice that addresses your specific needs and situation before making investment or borrowing decisions. Taxation information is based on our interpretation of the relevant laws as at 1 July 2018. While every care has been taken in the preparation of this information, Prosperitas Partners Pty Ltd does not guarantee the accuracy or completeness of the information. The case studies are hypothetical, for illustration purposes only and are not based on actual returns. 

Poole Advisory Pty Ltd ABN 15 642 040 604 is a Corporate Authorised Representative (No. 001282603) of Prosperitas Partners Pty Ltd ABN 30 662 654 453 AFSL 544 917  

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