As of July 2025, a significant proportion of Australians are concerned about not having sufficient superannuation savings for retirement. Did you know? Gender Disparities:There is a notable gender gap in superannuation balances, with women generally having lowersuperannuation savings compared to men. This disparity contributes to a higher percentage ofwomen expressing concern over their retirement preparedness. […]

Do you earn over $45,000 per annum? If so, did you know that you are paying 32 cents tax, including the Medicare levy, for every dollar that you earn over $45,000 per annum, which essentially equates to one-third of your earnings going in income tax.  If you are earning more than $135,000 per annum, you […]

When a Saver Marries a Spender – What Every Couple Needs to Know A client recently came to me with a concern about his son, who had just married. The son is a natural saver, while his new wife is more of a spender. My client is worried—perhaps rightly—that this mismatch might lead to financial […]

In light of recent media coverage surrounding the collapse of the First Guardian Master Fund and Shield Master Fund and the serious allegations that these funds operated as Ponzi schemes, we want to provide unequivocal reassurance to our valued clients and prospective investors. Article Link: Media Coverage Your Capital Is Secure We understand that news of […]

Your Future Self Will Thank You – Start Planning Now In your 20s and 30s, life often feels full of possibilities—and rightly so. You’re building a career, enjoying your independence, and perhaps earning more than ever before. To this point, managing your finances has largely been about you: what you earn, what you spend, and […]

Here’s a detailed explanation outlining the advantages and disadvantages of lending or giftingmoney to your adult children to help them purchase a home. I’ll also cover the relevantconsiderations regarding taxation, superannuation, family law, Centrelink gifting provisions, andcashflow implications. Lending vs Gifting: Key Definitions Before diving into advantages and disadvantages, it’s important to distinguish between lending […]

Why Goal Setting Matters for Your Financial Future In your 30s and 40s, you are at a pivotal stage in life—balancing career growth, family commitments,and aspirations for a secure and fulfilling future. Financially, this is often a time of transition, wherepriorities shift from short-term stability to long-term wealth creation and security. While life can beunpredictable, […]

For high-income Australians approaching retirement, optimising superannuation and investment strategies is critical to ensuring financial security and a comfortable lifestyle. With children nearingschool completion and mortgages almost paid off, there is a unique opportunity to focus on wealthaccumulation and tax-effective retirement planning. This paper outlines essential strategies tomaximise superannuation benefits and investment returns before reaching […]

In recent months, the term “bond” has been making more frequent appearances in financialheadlines. Many clients have asked me what this means for their investments or superannuationportfolios. Let’s explore the fundamentals of bonds and how they’re connected to broader economicforces—especially in light of interest rates, inflation, and global events like Trump-era tariffs. What Is a […]