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 | Apr 15, 2026 | Cashflow, Debt, Financial Advice, Financial Tips, Investing, Retirement, Superannuation |
Protecting Your Parents’ Money, and Your Own Financial elder abuse often begins inside trusted family relationships, not with strangers or scams. It can involve pressure to lend money, act as guarantor, or hand over financial control. Many cases go unreported because...
by Adam Massey | Apr 2, 2026 | Cashflow, Financial Advice, Financial Tips, Retirement, Superannuation |
Retirement Income That Lasts: The Considerations That Matter Most A strong retirement income plan balances reliability, inflation protection, and flexibility. The Age Pension often forms the base, supported by super and other assets. Growth assets help protect...
by Adam Massey | Mar 19, 2026 | Financial Advice, Financial Tips, Retirement, Superannuation |
Your EOFY Super Checklist There are a number of small but powerful super strategies that can make a real difference before 30 June. The article covers key contribution caps, how to check your available room through myGov, and when strategies like salary sacrifice or...
by Adam Massey | Mar 3, 2026 | Financial Advice, Financial Tips, Retirement, Superannuation |
The Centrelink Puzzle: Understanding the Age Pension Means Tests The Age Pension uses assets and income tests to calculate your payment, and the harsher result applies. Many retirees do not realise that changing how wealth is held can change which test applies....
