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Ensure your estate planning reflects your wishes
October 6, 2026
Many people are surprised to learn that some of their largest assets may not be covered by their will. With recent changes affecting testamentary trusts and ongoing complexity around superannuation death benefits, now is a good time to review your arrangements. New rules announced in the 2026-27 Federal Budget, combined with the growing complexity of...Read More
How home insurance cash settlements work
October 6, 2026
If your insurer offers a cash settlement instead of organising repairs, it’s important to understand what you’re agreeing to. What is a home insurance cash settlement? If you submit a claim on your home insurance, the insurer might offer to pay you an agreed amount (a cash settlement) instead of arranging repairs or replacing damaged...Read More
Signals from the bond markets
October 6, 2026
If the financial markets could talk, then bonds would probably be saying: “We’re not convinced the story is over yet”. Bond yields have been rising around the world as investors reassess the outlook for inflation, economic growth and government borrowing. The moves have been significant enough to influence mortgage rates, government finances and investment portfolios....Read More
Separation or divorce and your super
September 28, 2026
Separation or divorce can bring emotional and financial change. Super is often overlooked at this time, but it can be one of the most significant assets to understand when dividing property and planning for the future. Separation or divorce can turn your world upside down. There’s the emotional fallout, the logistics, the life admin –...Read More
Putting healthspan at the heart of your plan
September 28, 2026
There is something deeply hopeful about the fact that we are living longer than previous generations. Advances in medicine, safer living conditions and better healthcare have given many of us more time than our grandparents could have imagined. But alongside that good news is a quieter reality that deserves attention. Researchers now talk about the...Read More
Chores or no chores? The economic psychology of giving kids pocket money
September 28, 2026
When growing up, many kids earned pocket money by babysitting, mowing lawns, walking dogs or washing cars for their neighbours. Part-time jobs delivering local papers or circulars (junk mail) were also popular. At home, some kids got a weekly allowance in cash that increased slightly each year. Others didn’t – the amount and the “inflation...Read More
Discretionary trusts: What the proposed changes mean
September 21, 2026Uncategorized
Family trusts have long been a popular structure for managing business income, investments and succession planning. However, a major change is proposed from 1 July 2028, with the Federal Government planning to introduce a 30 per cent minimum tax on discretionary trust income and reduce some of the tax advantages these structures have traditionally offered.i...Read More
Protect your money in retirement
September 21, 2026Aged Care
Retirement can be a time when people may try to take advantage of your trust. Protect your money from people you know Elder financial abuseElder financial abuse is a form of financial abuse and a serious problem in Australia. Many older Australians can be at greater risk of elder financial abuse as they are more...Read More
Diversification
September 21, 2026Financial Planning
Diversification is an investment management strategy that reduces the impact of some of your investments performing poorly. What is diversificationWhen it comes to investing your money, diversification means spreading your money across a number of different investments, to reduce the overall volatility of your portfolio. For example, you can spread your money across types of...Read More
Claiming a super death benefit
September 14, 2026Superannuation
If someone close to you has died, you may be able to claim a super death benefit. What is a super death benefit? A super death benefit is money paid from someone’s super after they die. It may be paid to an eligible beneficiary (or beneficiaries) or to the person’s estate. A super death benefit...Read More