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 | Jun 11, 2026 | Debt, Financial Advice, Financial Adviser, Financial goals, Financial Tips, Life balance, Retirement, Superannuation |
Borrowing After 50 Borrowing after 50 remains possible but lenders apply stricter rules. The key change is the need for a documented exit strategy beyond employment income. Serviceability buffers and income assumptions become more conservative as retirement...
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 | Feb 2, 2026 | Financial Advice, Financial Adviser, Financial goals, Financial Tips, Goals, Insurance, Investing, Retirement, Superannuation |
The $500,000 Question: Navigating Aged Care Costs and Refundable Accommodation Deposits in Retirement Aged care costs are becoming one of the most financially significant decisions retirees face, with Refundable Accommodation Deposits (RADs) commonly ranging from...
by Adam Massey | Jan 23, 2026 | Financial Advice, Financial Adviser, Financial goals, Goals, Investing, Superannuation |
From Waiting Lists to Water Pipes: Turning Australia’s Infrastructure Squeeze into Investment Resilience Australia’s rapid population growth is outpacing investment in hospitals, schools, transport, water systems and housing, creating a structural infrastructure...
by Adam Massey | Dec 22, 2025 | Cashflow, Debt, Financial Advice, Financial Adviser, Financial goals, Goals, Investing, Superannuation |
Choppy Waters and Short Supply: What Australia’s Housing Crunch Means for Everyday Borrowers Australia’s housing market faces structural challenges, with supply constrained by labour shortages, zoning delays, and infrastructure bottlenecks. Risky loan structures, such...
