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Family Wealth Planning Why investing in your child’s name can result in tax of up to 66% Building a financial head start for a child or grandchild is a wonderful goal. But the seemingly obvious approach, investing directly in their name, can create a surprisingly costly tax outcome. Many families put money aside for school…

Retirement planning A valuable property can build wealth, but its market value alone does not guarantee reliable and flexible retirement income. For many Australians approaching retirement, investment property has been a cornerstone of wealth creation. It may have delivered years of capital growth. It may feel secure, familiar and tangible. On paper, it may make…

Retirement Planning Five Retirement Checks Worth Making Before a Big Decision Is Made for You Retirement planning is not simply about reaching a number. It is about having confidence that your money can support the life you want to live, through changing markets, changing circumstances, and the years ahead. For many people approaching retirement, the…

Retirement income Sequence of returns: the risk that compounds. Two retirees. Identical balances, identical withdrawals, identical average returns. One finishes the decade $420,000 ahead of the other — and the only difference is the order in which the returns arrived. The central idea The portfolio can grow at exactly the same rate as its twin…

Retirement is not a number. Build a life you’re excited to wake up to. Retirement Is Not a Number: How to Build a Life You’re Excited to Wake Up To Ask most Australians what it takes to retire well, and they’ll give you a number. $1.2 million. $1.6 million. Maybe they reference the government figure…

Why everything you thought you knew about retirement is changing. When Susan’s father retired in 1995, his plan was simple: work until 65, collect his pension, play golf, and enjoy a quiet 15-year retirement. Today, Susan’s retirement looks completely different. At 58, she’s transitioned to part-time consulting, travels internationally for months at a time, and…

If you’re in that 55–65 age bracket, retirement isn’t some far-off idea anymore. It’s starting to feel real. You’ve probably run the numbers a few times, wondered if your super is enough, maybe even googled “how much do I need to retire in Australia?” more than once. But here’s the truth we see every day…

As you step into your 50s, the question of when to retire looms larger and more urgent than ever before. For many, this is not just a financial decision but a deeply personal one that involves careful consideration of health, lifestyle, relationships, and long-term aspirations. The timing of retirement is often one of the biggest…