Most of us would rather avoid thinking about what would happen if we were unable to work again due to a total and permanent disability or injury. Jane’s story is a powerful reminder of the value of having Total and Permanent Disability (TPD) insurance in place should you find yourself in this unlucky situation.

This week, Treasurer Jim Chalmers has announced several significant superannuation tax changes. Here’s what you need to know. The super sector has welcomed the proposal as a significant improvement over the original plan, which would have imposed a tax on increases in the value of super balances, even if you hadn't sold the underlying assets. These are unrealised or paper gains. Usually, tax only applies once you sell something.

As you approach retirement, the idea of downsizing your home may appeal.  Reasons to move into a smaller residence often include an empty nest with smaller space requirements, the desire for less maintenance or to free up cash so you can tick off a few bucket list items, add to your retirement fund or make other investments.  Before you act, it is important to do your research and look at the pros and cons, considering your unique circumstances.

The security of owning your home outright is a goal most of our clients share. Paying off your mortgage can free up cash for travel, building retirement savings and other long-term plans. If you have paid down your home loan, it is a great opportunity for wealth creation. We spoke to Adviser, Paul Korst about his thoughts on maximising the surplus cash flow once your mortgage is paid.

Having a financial plan for when you’re no longer here is one of the most valuable things you can do for your loved ones. Grief can be overwhelming. Having a plan in place can save stress and confusion; and minimise the likelihood of disputes. Your parting gift of financial clarity in a difficult time will be gratefully received by those left behind. There are some simple steps you can take to ensure your finances are in order before you die.

Creating a ‘giving while you’re living’ strategy is a great idea if you like the idea of helping your family out now. Rather than leaving all your money in your Will, this allows you to support your children and grandchildren with their current needs. Sharing your financial legacy whilst living is different to traditional estate planning and provides you the emotional benefits of witnessing the impact of your generosity.

Significant life changes may impact your long-term financial goals and priorities. For example, if you have had a child, you may need to save money for education, or budget for one parent to be earning less for a while. If you have experienced a divorce you may need to adjust your retirement plans. There are many situations that require a review of your finances. When circumstances change you need to ensure your financial plan is in alignment with your new reality.

Are you anticipating a large tax bill this year? Nobody gets excited about the prospect of sharing too much of their hard-earned money with the government! There are a few ways to reduce your bill and these are worth considering as you plan for the end of the financial year. If your circumstances are complex its always wise to get advice to ensure you are maximising your situation, whilst staying compliant.

Treasurer Jim Chalmers handed down the 2025-2026 Federal Budget this week, outlining a fiscal plan focused on cost-of-living relief, housing affordability, and economic stability.

With an upcoming federal election, the Budget delivers targeted support, but does leave several key tax reform issues unresolved. The key message is that while Australia’s economy remains resilient, challenges persist.

The ongoing trade war and geopolitical shake up due to changes in alliances is creating uncertainty among investors around the world. We asked our financial planners to share some wisdom on how they approach investing in times like these.