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

Financial Planning for couples – greater than the sum of two parts

Do you have a partner in life? Are they on the same page as you financially? Do you like having a separate bank account just for you, or does everything go into a big melting pot? Great financial planning should consider the nuance of how money works within different relationships. Many couples have separate finances but still want to plan for a successful financial future together.
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Investment markets, Lifestyle, Pre-retirees

What is Division 293 tax .. and who pays it?

Division 293 tax is an additional tax on super contributions for higher-income earners. For first-time recipients of a Div. 293 notice from the ATO, it can come as a surprise. Super contributions such as employer contributions and salary sacrifice are taxed within your super fund at 15%. Introduced in July 2012, Div. 293 tax is an additional 15% tax for individuals with income greater than $250,000 a year. The tax is payable in addition to the standard 15% contributions tax and rather than being paid automatically by your super fund, most people learn of their Div 293 tax liability after receiving a bill from the ATO.
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Investment markets, Lifestyle, Pre-retirees, Retirees

Excess Concessional Contributions: Exploring Your Options

As we enter a new financial year, people may find that they have inadvertently exceeded their concessional super contribution limits. We discuss what to consider if you find yourself in this situation. Excess concessional contributions occur when an individual exceeds their contributions cap for the year. The Australian Taxation Office (ATO) assesses two key sources of information to determine if this limit has been surpassed: super contributions reported by your super fund and deduction for personal contributions stated in your tax return.
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Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Additional 15% tax for super balances over $3 million

Treasurer Jim Chalmers has proposed that from 1 July 2025, taxation on earnings from superannuation balances above $3 million will double to 30%. The new policy is expected to raise about $2 billion a year. As always, the devil is in the detail. Initially framed as a simple increase to the existing 15% tax on super fund earnings, the Treasury Consultation Paper makes it clear that this is unequivocally a new tax and will be levied against individuals in a similar way to Div. 293 tax levied on super contributions for higher income earners.
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Latest insights

28 July 2025
Winning the lottery

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

Michelle Sanchez
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?
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25 June 2025
elephant in the server room

Our AI Revolution

Will Chapman
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.
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