by Adam Massey | Sep 17, 2026 | Cashflow, Financial Advice, Financial Adviser, Financial goals, Financial Planner, Financial Tips, Goals, Investing, Life balance, Retirement, Superannuation |
Many retirees focus on investment returns and superannuation balances, but successful retirement planning requires a broader perspective. This newsletter examines the implications of living longer than previous generations, reviews whether Transition to Retirement...
by Adam Massey | Sep 3, 2026 | Financial Advice, Financial Adviser, Financial goals, Financial Planner, Financial Tips, Goals, Investing, Retirement, Superannuation |
Retirement planning is about more than achieving strong investment returns. It also involves managing risk, making the most of superannuation opportunities and ensuring trusted people can make decisions on your behalf if needed. This edition explores the...
by Adam Massey | Aug 20, 2026 | Financial Advice, Financial Adviser, Financial goals, Financial Tips, Goals, Retirement, Superannuation |
Retirement planning extends beyond building wealth. It also involves understanding how superannuation, government benefits and estate planning decisions interact over time. This newsletter examines the financial impact of relationship breakdowns on superannuation,...
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 23, 2026 | Financial Advice, Financial Adviser, Financial goals, Financial Tips, Insurance, Retirement |
Estate planning, incapacity planning and retirement income decisions often intersect in ways many Australians do not fully appreciate. This newsletter explores how to balance fairness between beneficiaries when a home, farm or business forms the majority of an estate,...
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 | 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 | 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...
