Lifestyle
Investing During Market Volatility: What You Should (and Shouldn’t) Do
Investing during market volatility can feel uncomfortable. When markets move up and down, it is natural to question whether you should be doing something differently. However, reacting to short-term movements can often do more harm than good. In reality, volatility is a normal part of investing. Therefore, understanding how to respond can make a significant…
Read MoreHow to Stay Organised Financially (And Why It Matters More Than You Think)
Staying organised financially is one of the most effective ways to improve your long-term outcomes. However, it is often overlooked. Many people focus on investment performance or market movements. In reality, without a clear structure, even good investments can become inefficient. The good news is, financial organisation does not need to be complicated. In most…
Read MoreBest Time for Tax Planning: Why You Should Start in April
When it comes to tax planning, most people leave it too late. June tends to bring a last-minute rush of decisions, super contributions, deductions, and paperwork, often without enough time to properly plan or maximise outcomes. But the most effective tax planning doesn’t happen in June. It happens in April. Why April is the Sweet…
Read MorePreparing for EOFY: Financial Planning Tips Before June 30th
As the end of the financial year approaches in Australia, many people begin thinking about tax returns and financial planning. However, effective EOFY planning often happens before the 30th June rather than after it. By reviewing your financial position ahead of the deadline, you may be able to identify opportunities to improve your tax position…
Read MoreNew Year, New You: 3 Simple Steps to Smarter Financial Goals
The start of a new year often brings renewed motivation. Many of us set goals around health, lifestyle and personal growth and for many Australians, one of the most common resolutions is to get smarter with money. It’s a great intention, but on its own it can be hard to act on. Financial progress doesn’t happen…
Read MoreNavigating the Home Guarantee Scheme – Opportunity or Illusion for New Buyers?
From 1 October 2025, the Home Guarantee Scheme is set for one of its most significant transformations yet. With unlimited places for first-home buyers, the removal of income caps, and higher property price thresholds across major cities, the program aims to make home ownership more achievable for Australians who have long struggled to break into…
Read MoreGIVING WISELY
HOW TAX-SMART PHILANTHROPY BUILDS WEALTH AND COMMUNITY IN AUSTRALIA Introduction: A New Era for everyday Australian Giving Philanthropy in Australia is changing. It’s no longer just for the wealthy or for big corporations everyday Australians are discovering how giving can be both deeply rewarding and financially smart. With new government incentives and easier ways to…
Read MoreI’ve paid off most of my HECS debt, should I just repay the rest now?
Whether to repay your HECS-HELP debt early depends on a few key factors. Unlike most other debts, HECS doesn’t attract interest. Instead, it’s indexed each year based on the lower of the Consumer Price Index (CPI) or the Wage Price Index (WPI). That said, because repayments are automat- ically made through your tax return once…
Read MoreIn helping Mum with her estate planning, someone mentioned a “life interest” in her home. What does that mean?
A life interest is a legal arrangement often used in estate planning that allows someone (often a surviving spouse or partner) to live in a property for the rest of their life, even if ownership is left to someone else, like children from a previous relationship. The person with the life interest can live in…
Read MoreBeyond The Will
Practical and Philosophical Strategies To Prevent Inheritance Disputes Introduction: The Stakes of Inheritance Disputes in Australia Inheritance disputes are more common in Australia than many realise, often resulting in fractured families, prolonged legal battles, and diminished estates. According to research cited by Slater & Gordon, “almost half of Australians believe that family conflict is likely…
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