by Adam Massey | Aug 6, 2026 | Cashflow, Financial Advice, Financial Adviser, Financial goals, Financial Tips, Retirement, Superannuation |
Superannuation, tax planning and retirement living decisions can have a significant impact on your long-term financial security. In this edition, we explore whether salary sacrifice remains an effective strategy following the 1 July 2026 changes, how the small...
by Adam Massey | Jul 9, 2026 | Cashflow, Financial Advice, Financial Adviser, Financial Tips, Insurance, Retirement, Superannuation |
Inheritance, insurance and superannuation planning are all areas where small decisions can have significant long-term consequences. This month’s newsletter examines the key financial considerations following an inheritance, the role trauma cover can play in...
by Adam Massey | Jun 24, 2026 | Cashflow, Financial Advice, Financial Adviser, Financial goals, Financial Tips, Investing, Retirement |
Most Australians assume certain financial rules are simple, but in reality, what Australians get wrong about homes, health, and income can lead to costly mistakes later in life. The Main Residence Exemption Most Australians assume their home is always exempt from...
by Adam Massey | May 27, 2026 | Cashflow, Debt, Financial Advice, Financial goals, Financial Tips, Retirement, Superannuation |
When the Loan Becomes a Gift Family loans often fail because they rely on trust rather than documentation. Without a written agreement, courts and third parties may treat advances as gifts. This can cause problems in family law, bankruptcy, and Centrelink assessments....
by Adam Massey | May 13, 2026 | Cashflow, Debt, Financial Advice, Financial Tips, Insurance, Investing, Superannuation |
When the Will Doesn’t Do What You Think It Does Many people assume their will controls all assets, but that is rarely true. Super, jointly owned property, insurance, and trusts pass outside the will. These assets follow their own rules and nominations. Estate planning...
by Adam Massey | Apr 29, 2026 | Cashflow, Debt, Financial Advice, Financial Tips, Insurance, Superannuation |
The Debt Nobody Talks About: HECS, HELP, and the Hidden Drag on Household Finances Recent reforms have significantly changed how HELP debt works for Australian households. Balances were cut by 20 per cent, repayments shifted to a marginal system, and indexation is now...
