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Investment markets, Lifestyle, Pre-retirees, Uncategorised

Will you pay more tax next year?

If you or someone you know is going through a significant workplace change such as a merger or corporate change, call us. The highest profile change locally is the Adelaide Uni merger and there are plenty of others on the go.

Investment markets, Lifestyle, Pre-retirees, Retirees

SA Government Employees – Unique Retirement Advantage

While most Australians are limited to a concessional contributions cap of $30,000 per year (for 2025-26), Super SA's Triple S scheme operates under different rules. Those rules can open the door to significant tax savings and a much faster path to financial independence, if you know how to use them. For those over age 60, the planning opportunity becomes even more powerful when combined with a Transition to Retirement (TTR) strategy.

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

Retirement Living: Choosing the right path for your Lifestyle and Finances

Retirement is a time to enjoy your well-earned freedom and comfort, but choosing where to live can be one of the most financially complex decisions you’ll make. While retirement villages are a well-known option, they’re just one of several choices available to Australians, each with their unique lifestyle and financial implications.

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

How One Tiny Human Changed Everything

I’ve spent years helping people plan for their futures strategizing, forecasting and fine tuning the numbers. But nothing recalibrates your sense of “the future” quite like becoming a dad.

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

Increase to Deeming Rates

From 20 September this year, deeming rates will increase for the first time since the Covid-era freeze. This change may affect people whose payments and benefits are determined by the income test. The announcement confirms that rates will gradually return to ‘pre-pandemic settings’ with staged increases to take effect in the future. Increases will be realigned from 1 July to the same time that payments are indexed (expected to be 20 March and 20 September).

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

The Lottery Effect: What Sudden Wealth Teaches Us About Money—and Ourselves

Let’s play a little game. Imagine waking up tomorrow to find you’ve won the Powerball. Not just a few thousand dollars—but millions. Your bank account is suddenly overflowing, and the world feels wide open. You could pay off your mortgage, travel the globe, help your family, maybe even quit your job. It’s exciting, right?

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

Retirement: A “Risky” Business

For retirees, there is a need to manage a range of risks, both Financial and Non-Financial..

Insurance, Investment markets, Lifestyle, Pre-retirees, Retirees, Uncategorised

Our AI Revolution

Australia’s largest company by market capitalisation on the ASX is CBA and with a P/E ratio of over 30 times, the CEO Matt Comyn has a hard job ahead of him to meet the lofty expectations of the investor masses and keep profitability growing at record levels, particularly when the closest banking competitors have P/E’s that are roughly half.

Investment markets, Lifestyle, Pre-retirees, Retirees

Maintaining Financial Independence in Relationships

When couples seek financial advice, a common concern stands out: how do I keep some financial independence without everything being bundled together? It’s a fair question, especially for those who’ve been through previous relationships, have children from earlier partnerships, or have dealt with messy property settlements

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

Mortgage or Super: Making an Informed Choice

When it comes to financial planning, one of the most significant decisions Australian’s face is whether to pay off their mortgage or invest in their superannuation. Both options have their merits, and the best choice depends on individual circumstances, including age, income, and financial goals.

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Latest insights

21 August 2026

Fear of Running Out of Money in Retirement: How Australians Can Retire with Confidence

Brenton Miegel

One of the biggest concerns facing Australians approaching retirement is the fear of running out of money. Financial experts have even coined a term for it: FORO (Fear of Running Out). While this anxiety is understandable, research suggests that many retirees may be more financially secure than they realise. By understanding the factors that influence retirement income and longevity, Australians can make more informed decisions and enjoy their retirement with greater confidence.

31 July 2026

Do You Really Know What’s Inside Your Super?

Sam Martin

During recent client review meetings, I've noticed two concerns coming up regularly. The first is the growing dominance of large US technology companies and whether current valuations can continue rising. The second is rising government debt levels around the world, particularly in the United States and Australia, and whether governments are willing or able to address these issues over the long term.

21 July 2026

What to Consider Before Your First Financial Planning Meeting

Lachlan Harvey

Sitting down with a financial planner for the first time can feel a little daunting. You might be wondering what to bring, what will be asked, or simply whether you’re ready to share your personal financial information. The good news is that a first meeting is simply a conversation, and a bit of preparation goes a long way toward making it a productive one.