The Difference Between Retiring With Assets and Retiring With Cash Flow
I’ve sat across from people who, on paper, have “more than enough.” A paid-off home, a healthy super balance, money in the bank. And yet they can’t sleep. They tell me they still feel a low hum of worry every time they think about stopping work. Then I’ve sat with people who have far less […]
Why $1 Million in Super Doesn’t Mean the Same Thing for Every Couple
You’ve both worked for this. The statement finally says $1 million — and yet the question still sits there at 2am: is it actually enough? For us? Maybe one of you just turned 60. Maybe a friend retired and it suddenly felt real. Maybe a super statement landed and the number looked big and frightening […]
How to Consolidate Your Super? A 2026 Guide for Melbourne Near-Retirees
If you’ve built your career across a few different Melbourne employers, there’s a good chance your retirement savings are spread across more than one super fund — quietly leaking fees you’ll never get back. Bringing them together is one of the simplest things you can do in the decade before you retire. Here’s how it […]
Proposed Negative Gearing and CGT Changes:What Property Investors Need to Know
Federal Budget 2026–27 · Property & Tax Important: This article is based on the Federal Budget 2026–27 announcements and is general information only. The rules are proposed and should be confirmed against final legislation and your accountant/tax adviser before making any decision. Purpose If life, taxes and investing wasn’t complicated enough, well this is just […]
How Much Super Do I Need to Retire? A Melbourne Adviser’s Guide
When people ask me this question, they usually want a number. A target. Something concrete they can measure themselves against. I understand why — a number feels like control. But after seventeen years of sitting across the desk from Australians in their fifties and sixties, I can tell you the question underneath this question is […]