Most retirement planning conversations focus on the balance required to stop working. Few address the structure, identity, and social connection that work provides — and what replaces them.
Read MoreThe downsizer contribution to superannuation is one of the most generous provisions available to Australians over 55. Whether it is the right decision depends on questions that go well beyond the contribution mechanics.
Read MoreThe RBA held the cash rate at 3.85% in July. For clients carrying variable debt or managing a portfolio through this rate cycle, the implications are specific and worth working through carefully.
Read MoreThe superannuation guarantee rate is now 12%, and the contribution thresholds for 2025–26 have been updated. The consequences of getting either wrong are specific — and avoidable.
Read MoreBuyers of luxury vehicles for business use frequently overestimate the tax deductions available to them. The rules that apply are specific, the thresholds are updated annually, and the cost of misunderstanding them is quantifiable.
Read MoreInterest deductibility is determined by how borrowed funds are used — not by the security provided, not by the account the funds pass through. Getting the structure wrong before the loan is drawn is a mistake that is difficult to fix after the fact.
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Estate planning for blended families involves unique challenges due to the need to fairly address the interests of current spouses, shared children, and children from previous relationships. Clear communication and professional advice are essential to create an effective plan that prevents disputes and ensures all wishes are respected.
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We are often told that paying off the mortgage on our home should be our first priority because the interest is not tax deductible. But does this apply to everyone?
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Income protection insurance is essential for safeguarding an individual’s ability to earn income, especially when accidents or illnesses prevent work. This type of insurance complements workers compensation and varies by policy terms and state regulations, making professional advice valuable for optimal coverage.
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Workers compensation is a complex, state-based system in Australia that provides income and medical coverage for work-related injuries, but coverage details and benefits can vary significantly depending on the state or territory. This complexity can create financial challenges for injured workers, especially those with multiple jobs or high incomes.
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Wars in Europe and the Middle East, volatile oil prices and shifting US policies are making headlines - but failing to dampen market optimism. The ASX closed the financial year with a near 10% return – its strongest since the COVID-19 crisis and despite US tariff threats. Despite tariff risks for the US economy, the S&P 500 index surged to a four-month high on hopes of future rate cuts and smooth trade negotiations.
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When the temperature drops, it feels like more of an effort, but getting outdoors, even when it’s chilly, can do your brain and body a whole lot of good.
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Australians inherited an estimated $150 billion in 2024, an increase of more than 70 per cent in a decade, according to a JBWere report.
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With the new financial year comes a fresh wave of superannuation changes that could make a real difference to your retirement savings.
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You may have seen the viral headline about a new U.S. tax bill called the One Big Beautiful Bill, but what does it mean for Australian investors, especially super funds and small businesses with US exposure? Turns out, it could mean a hit to investment returns.
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For decades, trust structures have been a cornerstone of the Australian tax and financial system, prized for their asset protection and flexibility when it comes to income distributions. However, with regulatory changes and mounting administrative complexity the shine has been wearing off lately, prompting some businesses and investors to rethink their use.
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They’re advising from your insta and TikTok feeds, they’ve got huge followings, they speak with conviction - financial influencers or ‘finfluencers’. Please heed our caution, taking advice from unqualified sources can have serious consequences. We’re seeing examples of misleading claims, exaggerated deductions and outright misinformation.
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If you're carrying an Australian Taxation Office (ATO) debt there is a good chance that it will cost you even more from 1 July 2025 onwards. This is because from 1 July 2025 two types of interest charges imposed by the ATO are no longer deductible.
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Division 296 super tax is a controversial Federal Government proposal to impose an extra 15% tax on some superannuation earnings for individuals if their total superannuation balance (TSB) is over $3 million as at 30 June of the relevant income year.
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The US economy experienced a notable slowdown in the first quarter of 2025. The latest GDP data showed the economy contracted at an annual rate of -0.3%.
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