Plain-English guidance on investing, the Federal Budget, super and SMSFs — and how good advice helps everyday Australians stay on track when the rules change.
A lifetime income stream uses part of your super to pay you for as long as you live. How pooling works, how these products differ from account-based pensions and annuities, and why only 60% of the purchase price counts for the Age Pension.
Read more →Your super isn't covered by your will, and the people who can legally receive it aren't the same people who receive it tax free. Nominations, dependants, and why an independent adult child loses 17% of the taxable component.
Read more →How the Age Pension assets test and income test actually work — the 2026 thresholds, taper rates and cut-offs for singles and couples, with worked examples and charts, plus what "deeming" means.
Read more →Salary sacrificing into super is taxed at 15% instead of your marginal rate. We show the savings with worked examples and charts, the $32,500 cap trap where compulsory super eats your room, and who should think twice.
Read more →How to keep more of your investment gains after capital gains tax — the 12-month discount, ownership, loss harvesting and timing — with worked examples and charts, plus what changes when the 50% discount is replaced from 1 July 2027.
Read more →A late Senate amendment has banned new SMSF borrowing for residential property from 10 August 2026. Here's what's banned, what's grandfathered, and what SMSF trustees should check before then.
Read more →From 1 July 2026, Division 296 adds a 15% tax on earnings for super balances over $3 million (25% above $10 million). Here's how it's calculated, the transitional rule, and the SMSF cost-base reset.
Read more →From 1 July 2026, super contribution caps and the transfer balance cap are rising — concessional to $32,500, non-concessional to $130,000, and the transfer balance cap to $2.1 million. Here's what changes.
Read more →Payday Super starts 1 July 2026 — employers now pay super guarantee every payday, not quarterly. Here's what's changing, what isn't, and what to check.
Read more →The 2026–27 Federal Budget has put property tax settings back in the spotlight. Here's a plain-English look at what's shifting for Australian property investors — and the questions worth asking before you act.
Read more →As the Federal Budget reshapes the maths on investment property, more Australians are weighing shares, ETFs and managed funds. We explain the shift to share-market investing — and where advice fits in.
Read more →Putting everything into one rental property concentrates your risk. This plain-English guide explains diversification across shares, bonds, property and cash for Australian investors.
Read more →Many SMSFs are heavily weighted to property. We explain how a self-managed super fund can invest in Australian and global shares, the rules to watch, and why diversification matters inside super.
Read more →Tax and Budget changes create uncertainty — and opportunity. Here's how a licensed financial adviser helps Australians review strategy, manage risk and stay on track when the rules shift.
Read more →