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.
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.
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