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Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Navigating the emotional shift: From the comfort of work to the uncertainty of retirement

As we transition from the working world into retirement, our financial perspectives undergo significant shifts. While we’re working, we have the reassurance of regular pay. This allows us to plan, save for one-off costs, and even extend our retirement timeline if something goes wrong. However, once we retire, the flow of a salary stops and we often face anxiety over the pool of money for retirement not being enough. Understanding the cognitive biases that affect us during these stages can help manage these transitions more effectively.

Aged care, Budgeting, Lifestyle, Pre-retirees, Retirees, Uncategorised

Inheritances

$1,000,000,000 ($1 trillion) will be passed on to the next generation of Australians by 2025, this number is projected to balloon to $3.5 trillion by 2025. It is a life altering event and one of life’s major financial crossroads, bringing new challenges and complexity as your lifestyle and wealth management goals change.

Budgeting, Lifestyle, Pre-retirees, Retirees

Why it might make sense to sell your investment property before you retire

As retirement is approaching, it's natural to reassess your financial strategies, ensuring a comfortable and stress-free retirement. For many, investment properties have been a cornerstone of wealth accumulation, but as retirement looms, it's prudent to review their role in your overall financial plan.

Investment markets, Lifestyle, Pre-retirees, Retirees

Australia’s “secret” inheritance tax

A significant area of inheritance tax “by stealth” is a deceased person’s superannuation benefits. Superannuation held by a person at the time of their death may include benefits in the accumulation phase, the pension phase, or a combination of both.

Age pension, Aged care, Budgeting, Government benefits, Insurance, Investment markets, Lifestyle, Pre-retirees, Retirees, Uncategorised

Budget 2024: Why?

The Budget this week has created a diverse opinion as to who the beneficiaries are; it appears it’s everybody and nobody. As is customary for all budgets, praise is thin.

Budgeting, Investment markets, Lifestyle, Pre-retirees, Retirees

Goldsborough 2023: Looking back…to the future.

As a proud South Australian business and industry leader in financial services, Goldsborough has nurtured a workplace culture that attracts and retains great people who want to grow with us, both from our internal team and client perspective. We recognise that culture is an outcome of those that contribute to it and our contributors (our people, professional relationships & our clients) have been key to our longevity.

Budgeting, Investment markets, Lifestyle, Pre-retirees, Retirees

Selling a Small Business? What you should consider..

As a professional financial adviser, I’m often asked “what do I need to take into account when selling my small business?” Selling a small business can be a complex process, but with careful planning and execution, you can maximize your chances of success.

Age pension, Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Women are less confident investors .. but get better investment returns!

Humans are naturally overconfident. We overestimate our own ability compared to others. One of the most often quoted studies showed that 93% of drivers rated themselves better than the median. We also know that men usually rate themselves as better drivers than women. However, the data shows the opposite. Men are four times more likely to be involved in a fatal car accident. Men also pay more for car insurance.

Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Maximise your tax savings before June 30

With the end of the financial year quickly approaching, now is the perfect time to review your superannuation contributions with your adviser!

Age pension, Aged care, Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Aged Care fees could be changing..

A government task force looking into the aged care sector in Australia has recommended that those of us with the financial means should pay for our own living and accommodation costs. This would be a substantial change to what currently happens. Currently, the taxpayer covers most of the expenses for aged care – around 75% of residential care costs and 95% of in-home care costs.

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Latest insights

16 October 2026

Support at Home changes: personal care services fully funded from 1 October 2026

Matthew Kelly

From 1 October 2026, the Australian Government will fully fund certain personal care services delivered through the Support at Home program. Recipients will no longer need to make personal contributions towards these services.

7 October 2026

What the Shield and First Guardian Collapse Can Teach Us About Protecting Your Super

Michelle Sanchez

You may have seen the headlines about the collapse of the Shield and First Guardian Master Funds. It’s a confronting story, with almost 12,000 Australians affected and over $1.2 billion of retirement savings gone. Many only found out only when a letter arrived saying their super had vanished. It’s the kind of thing that makes all of us stop and check our own arrangements.

11 September 2026

Donating to your kids

Will Chapman

You’re retired and you’ve set yourself up well financially. You have no debt, no job to lose, no (or little) taxable income, no kids eating your fridge out and ready access to capital. You’re the envy of every financially stressed 40 year old with years of pressure head of them; possibly your own children. You wonder how you can help but you don’t want to just hand over cash without a purpose, and you also don’t want to create dependency or expectations.