For clients holding older, asset test-exempt superannuation pensions, known as legacy pensions, there are significant changes ahead. These pensions, once popular for their generous Centrelink treatment, have long been difficult to alter without risking unintended financial consequences. But recent government updates have created a window of opportunity, along with a clear warning: don’t move too...

Self-managed superannuation funds (SMSFs) have long been associated with older Australians and small business owners looking for greater control over their retirement savings. But recent data suggests the sector is undergoing a quiet transformation. Alongside tax reforms and persistent compliance challenges, younger people are slowly moving into the SMSF space. While 85 per cent of...

Investing isn’t just a numbers game. It’s an activity that stirs various emotions from hope and optimism to fear and anxiety. Whether the ASX is surging or stumbling, emotional responses to market movements can shape outcomes just as much as economic fundamentals. Understanding those responses is crucial to building resilience, especially in unpredictable times. These...

What happens when the life you knew changes—suddenly and deeply—and you’re left wondering what comes next? For many women over 55, this question becomes real after a major life transition. The death of a parent. The end of a long marriage. A late-career redundancy. An unexpected inheritance. These moments often arrive quietly but leave a...

When and how you can access your super to start an account-based pension.  If our working years can be regarded as the time when we aim to build up our superannuation savings, our retirement years can equally be regarded as the time when we aim to spend them.  At least that’s the objective for most...

From 1 November 2025, a new program called Support at Home will replace the current Home Care Package system, bringing significant changes.  On the positive side, there will be more packages available, which should reduce waiting times. But there will also be changes to the contributions (fees) you pay – and for some people, this...

With the new financial year comes a fresh wave of superannuation changes that could make a real difference to your retirement savings.  Let’s unpack what’s changing – and how to make the most of it.  The SG rate hits 12%  One obvious lift to retirement incomes is the increase in the Super Guarantee (SG) rate...

Do you have a plan for who will receive your super if something happens to you?  For many Australians, superannuation is their greatest asset outside the family home.  But do you have a plan for who will receive your super if something happens to you?  The laws around super death benefits are complex, with strict...

Australians inherited an estimated $150 billion in 2024, an increase of more than 70 per cent in a decade, according to a JBWere report.i  It’s a number that’s predicted to grow more rapidly over the coming 20 years to $5.4 trillion, the report finds.  Managing this flow of wealth to family groups, often complicated by...