Total and Permanent Disability Insurance

What is Total and Permanent Disability Insurance?

“Total and Permanent Disability Insurance” is designed to relieve financial pressure in case you become permanently disabled as a result of illness or injury. The statistics paint a sobering picture: approximately 9 million Australians currently hold Total and Permanent Disability (TPD) insurance, yet many remain underinsured or completely unaware of what their policies actually cover. The…

Trauma Insurance policy holder

What is Trauma Insurance?

An unexpected critical illness or accident that results in the breadwinner being unable to work can have a devastating effect on a family, especially when the breadwinner does not have Trauma Insurance. I’ve witnessed firsthand the devastating financial impact that critical illnesses can have on families. While most working Australians understand the importance of health…

Division 296 Tax Explained

Division 296 Tax Explained

This comprehensive analysis examines the Australian Government’s proposed Division 296 Tax, a controversial superannuation reform that would impose an additional 15% tax on earnings from superannuation balances exceeding $3 million, including unprecedented taxation of unrealised capital gains. After extensive research and analysis of government documents, professional submissions, industry responses, and stakeholder perspectives, this report concludes…

Personal Insurance Explained

In this article, you’ll find personal insurance explained – what it is, why it matters, and how it can support you through life’s toughest moments. Many Australians are underinsured, often assuming ”it won’t happen to me.” But the truth is, unforeseen events can happen to anyone, and when they do, the financial consequences can be…

Is Property Investment Right For You?

You may be asking yourself ”Is property investment right for you?”  It’s a common consideration, and for good reason. Investing in property has long been regarded as a popular and relatively stable way to build long-term wealth in Australia. The appeal lies in a combination of factors, the potential for capital growth over time, a…

End of Financial Year 2025: Key Superannuation and Tax-Time Considerations

As the End of Financial Year 2025 (EOFY) draws closer, now is the ideal time to review your financial positions, organise your records, and take advantage of any final opportunities to optimise your tax and super strategies. Whether you’re an individual aiming to maximise deductions or a business owner preparing your accounts, proactive planning can…

Western Australia’s Economy in 2025

Western Australia’s economy in 2025 continues to demonstrate impressive resilience, supported by a thriving resources sector, a healthy employment market, and consistently high property demand. According to the Western Australian Treasury Corporation’s latest update, the state’s economy is expected to grow by 4.25% for the 2024-2025 financial year, making one of the highest growth rates…