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...

It’s been confirmed – the aged care reforms originally set to begin on 1 July 2025 have been deferred by four months and will now commence on 1 November 2025. It became clear that extra time was needed to allow the whole sector to be better prepared and get ready for the significant changes ahead....

The super changes coming into effect in the 2025-26 financial year Australian superannuation laws are set to change once again in the 2025-26 financial year as the nation’s fast-growing retirement savings system continues to evolve. Below is a summary of the changes that will come into effect from 1 July, 2025, as well as looming...

The end of the financial year is an opportunity to optimise your financial strategy, take advantage of tax deductions, and set yourself up for the new financial year. Whether you’re looking to maximise tax benefits, rebalance your investment portfolio, or to simply ensure you’re ticking all the right boxes, smart end of financial year (EOFY)...