“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…
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…
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…
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…
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…
What are the benefits of working with a Financial Planner? When people hear the term Financial Planner, they often think of someone who helps with investing or retirement. While that’s certainly part of the picture, a financial planner’s role is much broader, and often far more valuable than many realise. Whether you’re just starting your…
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 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…
Retirement is one of life’s most significant milestones, marking the transition from years of hard work to a period of relaxation and enjoyment. However, ensuring a comfortable retirement requires careful financial planning. The amount you need to retire comfortably depends on several key factors, including your desired lifestyle, whether you own your own home, your…
Retirees can face serious financial risks unique to this period of your life. As a retiree, consider all risks when planning for this momentous stage. The risk factors during retirement are not limited to an economic standpoint alone. You must also be mindful of the health risks you face, and have your affairs in order…
