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...
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....
by Adam Massey | Feb 17, 2026 | Financial Advice, Financial Adviser, Financial Tips, Retirement, Superannuation |
Blended Families and Estate Planning: When Love Gets Complicated, So Does Your Will Blended families are now common in Australia, and with that comes a higher risk of accidental disinheritance if estate planning isn’t carefully structured. A key trap is owning the...
