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...
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...
