Month: May 2026

More than money: The real value of a financial planner Do I really need a financial planner? Most people assume financial planners exist to pick winning investments. In reality, that’s a small fraction of what we do, and often not the most valuable part. Think of a great financial planner less like a stockbroker, and … Read more

The art of giving: how to make your philanthropy work harder for the causes you love There’s something deeply satisfying about giving to a cause you believe in. What’s even better? Doing it in a way that benefits both the charity and your own tax position. Charitable giving in Australia is more structurally sophisticated than … Read more

  Financial reset: how to bounce back from a money mistake Everyone slips up Whether it’s a forgotten tax bill, a credit card that quietly spiralled, a poorly timed investment, or raiding your superannuation when you really didn’t need to. Financial mistakes are a universal human experience. The good news? A stumble doesn’t have to … Read more

What are the changes? Currently, regardless of your superannuation balance or Total Superannuation Balance (TSB), investment earnings in superannuation accumulation phase are taxed at a maximum rate of 15%. Investment earnings in ‘retirement phase income stream’ are tax free. From 1 July 2026, if your TSB exceeds $3 million, an additional tax of 15% will … Read more

This Budget reaches further into the finances of ordinary investors than most. It touches directly on how property investors are taxed, how capital gains are treated, and how much room the RBA has to cut interest rates. Here’s what you need to know. Negative gearing The biggest shift affects negative gearing. From 2027-28, new investors … Read more

Are you on track? Your 50s are a reckoning. They’re usually the first decade when retirement stops being a distant idea and becomes a near-term reality. The hard question to ask now is: Do I have enough? The ASFA Retirement Standard (December quarter 2025) sets the benchmark for a comfortable retirement at $730,000 for a … Read more