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Having a ‘job for life’ is mostly a thing of the past. Many Australians will change jobs a number of times during their career, and in doing so, may end up with multiple super funds. This could mean you end up paying multiple sets of fees that chip away at your retirement savings. Your super… Continue reading I have changed jobs Read More

While you generally can’t access your super until retirement, there are some specific circumstances where the law allows you to draw on your super early. These conditions can be summarised as:Compassionate groundsTerminal medical conditionPermanent incapacitySevere financial hardship Before applying to access your super under early release provisions, you should consider:consulting your financial adviser and/or Centrelink to confirm… Continue reading Accessing my super early Read More

Did you know that your superannuation can’t be included in your will unless you’ve specified certain instructions with your super fund first? What is a beneficiary in superannuation?A superannuation beneficiary is someone who can receive any proceeds from your super account when you die. By nominating a beneficiary, you’re telling your super fund who you’d like… Continue reading What happens to my super when I die? Read More

If you’re about to start a new job or already working, you might already know your employer has to make contributions to your super on your behalf.   What you may not know is that you can choose which super fund your hard-earned dollars goes into. That being said the choice you end up making… Continue reading Choosing a super fund Read More

Getting across your personal finances helps you manage your money and accounts. Free yourself from debt Combining old school budgeting and modern technology is a great place to start. The Wealth app can help you kickstart the process. You can see your inflows and outflows on a daily, weekly or monthly basis – whatever works for you. Cutting the… Continue reading Simplify my finances Read More

Take it step by stepPeople sometimes overlook how small things add up to a big plan. Instead of being overwhelmed by the castle in front of you, see how it’s made up of individual bricks. Mountaineers don’t make bigger strides as they conquer Everest, they just make more of them. Slow and easy can still… Continue reading Plan to achieve my business goals Read More

Do what you love. Sooner. If not now, when?Whether you want to learn to paint in Tahiti or volunteer to work with underprivileged kids, it’s likely to involve a trade-off involving both time and money. You might need a new budget to help realise your goal. Think about how many things you can vary short term versus things that… Continue reading Pursue a passion Read More

Give them the best chanceIt’s the extras that give your children the chance to find their best selves. Guilt-free family financingThe key here is no surprises. So when your daughter announces her end-of-term school trip, you can smile rather than roll your eyes – at least outwardly. By making a plan with a little more to… Continue reading Give them the best possible chance Read More

Merging finances with your partner means planning together Talk to meKnowing each other’s priorities is the first step towards sharing goals. You won’t get to the same place if you aren’t on the same path. If one of you wants a baby more than a holiday, it makes sense to talk about that now. So take your time.… Continue reading Plan for the future together Read More

Maximising your wealthYour wealth is hugely important, not just to help you day by day but to consolidate your future comfort. Clever financial planning can see your wealth bloom into a healthy retirement fund. But it can also benefit the rest of your family – your children’s education and their inheritance, for example.Once you’ve built… Continue reading Maximise and protect my wealth Read More

You can access your superannuation after you’ve reached your preservation age and you’re retired, but there are instances when you may be able to access super early. Your super fund plays a big part in your retirement, so understanding how it works and when you can access your super can be very helpful in planning for your… Continue reading When can I access my Superannuation Read More

“Retirement is not the end of the road,  It is the beginning of the open highway.” The good news is you can live well when you retire. The better news is that by exploring these pages, you’re already on your way. The dream may be closer than you think These days retirement can mean more than a rocking… Continue reading Retire right Read More