It’s worth planning ahead You’ve worked hard, carefully growing your super, and you’re proud of what you’ve built. Your plan is simple: whatever is left will one day go to your adult children. Unfortunately, it might not reach them quite the way you imagine. It’s one of the least understood parts of retirement planning, and...

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....

Support at home can make it easier to stay independent, safe and comfortable in your own home. But choosing the right care provider is key to a good experience. Different providers offer different services, charge different hourly rates and have different ways of working. The cheapest provider may not necessarily be your best choice, nor...

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...

For many people approaching retirement, the transition from full-time work to retirement is no longer a sudden stop. Instead, it’s often a gradual process that involves reducing work hours, maintaining cash flow and continuing to build retirement savings. One strategy that can support this approach is a Transition to Retirement Income Stream (TRIS or TTR).i...

Receiving an inheritance can bring mixed emotions. It may improve your financial position, but it usually means you are grieving the loss of someone close to you. If you receive a Centrelink or Department of Veterans’ Affairs (DVA) payment, an inheritance can also affect your entitlements. Understanding the rules can help you avoid surprises and...

A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as one of the most tax-effective investment structures available. For many investors, it’s not simply that super remains attractive but that the rules continue to change. Understanding these changes can help ensure your strategy takes advantage...

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...

If the time has come to consider a move into residential aged care, you and your family are likely to be faced with significant financial decisions. If you have a self-managed super fund (SMSF), there can be an extra layer of complexity. The good news is that planning ahead and financial advice can provide choices...