The Fatal Error with Super
Superannuation is one of the most powerful tools Australians have to fund retirement. Yet, growing numbers of people are accessing it early, often without understanding the long-term consequences.
Do Young People Really Need a Financial Adviser?
Think financial advisers are only for people nearing retirement? Discover why getting advice in your 20s or 30s can set you up for smarter money choices and long-term financial success.
Emergency Savings: Building a Safety Net for Retirement
An emergency savings fund is an essential part of retirement planning. Learn how much you need, why it matters, and how to build a safety net that protects your retirement assets.
In These Tough Times, What Salary Do You Really Need to “Have It All”?
Not long ago, “having it all” might have meant home ownership, family holidays, private schooling, and a healthy superannuation balance. Today, with the cost of living at record highs and housing affordability stretched, many Australians are questioning whether those same goals are still realistic.
Protecting Wealth in Changing Markets: The Role of Bonds and Other Defensive Assets
The Reserve Bank of Australia has signalled that interest rates are set to fall after a long cycle of increases. While that’s welcome news for borrowers, it presents a fresh challenge for savers and income-focused investors. Lower rates mean lower returns on cash and term deposits, reducing the reliability of these as sources of income.
4 Income Investing Mistakes to Avoid
When you’re building a portfolio designed to deliver income, whether to supplement your lifestyle now or fund your retirement later, it’s easy to focus on yield alone. But income investing isn’t just about chasing high numbers. It’s about building a reliable, sustainable stream of income over time.
Planning for Maternity Leave: What Every Woman Should Know
Welcoming a baby is one of life’s biggest milestones. But let’s be honest, between choosing a pram and stocking the nursery, financial prep can easily fall to the bottom of the list.
Is Economic Reform on the Horizon?
Following Labor’s decisive win in the 2025 federal election, Treasurer Jim Chalmers has made a bold call: it’s time for a new era of national economic reform. If you’ve heard the headlines and wondered what it means for your financial future, here’s what you need to know.
Understanding the Division 296 Super Tax: What It Means If You Have Over $3 Million in Super
From today, 1 July 2025, high superannuation balances may face a new tax under proposed legislation known as Division 296. While the measure is still making its way through Parliament, it’s expected to pass and for those with significant superannuation savings, now is the time to understand how it works and what it could mean for your retirement strategy.
Can AI Replace Your Financial Adviser? Here’s Why We Say No
Artificial Intelligence (AI) is already transforming how we live, work, and invest. But as tools like ChatGPT gain popularity, some are starting to ask: do we still need a financial adviser?