# Plan My Wealth

> Prepare For Retirement With Trusted Financial Advice In Australia with Manny Tran Book a free consultation and get clear retirement options — no pressure, just honest advice. Manny Tran Verified


## Posts

- [The AI Spending Boom: Where Are We in the Investment Cycle?](https://planmywealth.com.au/the-ai-spending-boom-where-are-we-in-the-investment-cycle/)
- [The $3 Million Super Tax Explained: How It Works and Who Actually Pays](https://planmywealth.com.au/the-3-million-super-tax-explained-how-it-works-and-who-actually-pays/)
- [Why Your Age Pension May Have Dropped in March 2026?](https://planmywealth.com.au/why-your-age-pension-may-have-dropped-in-march-2026/)
- [Labor's CGT Backflip: Why Business Owners Should Be Paying Attention](https://planmywealth.com.au/labors-cgt-backflip-why-business-owners-should-be-paying-attention/)
- [AI and Your Retirement: A Dial-Up to Broadband Moment](https://planmywealth.com.au/ai-and-your-retirement-a-dial-up-to-broadband-moment/)
- [Australia’s Housing Problem Isn’t What Most People Think It Is](https://planmywealth.com.au/australia-housing-problem-isnt-what-most-people-think-it-is/)
- [Why Retirement Planning Is Not Just About Investment Returns](https://planmywealth.com.au/why-retirement-planning-is-not-just-about-investment-returns/)
- [The Difference Between Retiring With Assets and Retiring With Cash Flow](https://planmywealth.com.au/the-difference-between-retiring-with-assets-and-cash-flow/)
- [Why $1 Million in Super Doesn't Mean the Same Thing for Every Couple](https://planmywealth.com.au/is-1-million-in-super-enough-for-a-couple/)
- [How to Consolidate Your Super? A 2026 Guide for Melbourne Near-Retirees](https://planmywealth.com.au/how-to-consolidate-your-super-a-2026-guide-for-melbourne-near-retirees/)
- [Proposed Negative Gearing and CGT Changes:What Property Investors Need to Know](https://planmywealth.com.au/proposed-negative-gearing-and-cgt-changeswhat-property-investors-need-to-know/)
- [How Much Super Do I Need to Retire? A Melbourne Adviser’s Guide](https://planmywealth.com.au/how-much-super-do-i-need-to-retire/)
- [From Uncertainty to Confidence: How We Helped Mark and Helen Retire Without Debt](https://planmywealth.com.au/from-uncertainty-to-confidence-how-we-helped-mark-and-helen-retire-without-debt/)
- [Claims Advocacy That Made a Difference: Helping Michelle Secure the Income Protection She Deserved](https://planmywealth.com.au/claims-advocacy-that-made-a-difference-helping-michelle-secure-the-income-protection-she-deserved/)
- [The Importance of Financial Planning: Securing Your Future One Step at a Time](https://planmywealth.com.au/the-importance-of-financial-planning-securing-your-future-one-step-at-a-time/)

> # Plan My Wealth

> Plan My Wealth helps Australians in their 50s and 60s plan for retirement — superannuation, retirement income, Centrelink strategy and personal insurance. Led by Manny Tran, Director and Senior Financial Adviser, based in Bundoora, Melbourne, and serving clients Australia-wide by video.

## Key Pages

- [Plan My Wealth Home](https://planmywealth.com.au/): Retirement, superannuation and Centrelink advice for Australians in their 50s and 60s.
- [Manny Tran, Financial Adviser](https://planmywealth.com.au/manny-tran-financial-adviser/): Director and Senior Financial Adviser at Plan My Wealth — background, approach and credentials.
- [Superannuation & Retirement Planning](https://planmywealth.com.au/services/services-superannuation-retirement-planning-melbourne/): Super strategy and retirement income planning.
- [Investment Advice](https://planmywealth.com.au/services/services-investment-advice-melbourne/): Portfolio construction aligned to your goals and timeframe.
- [Life Insurance Advice](https://planmywealth.com.au/services/services-life-insurance-advice-bundoora/): Personal insurance and income protection advice.
- [Cash Flow & Budgeting Advice](https://planmywealth.com.au/services/services-cash-flow-budgeting-advice-melbourne/): Cash flow, budgeting and debt strategy.

## Posts

- [The AI Spending Boom: Where Are We in the Investment Cycle?](https://planmywealth.com.au/the-ai-spending-boom-where-are-we-in-the-investment-cycle/): Where the AI capex cycle sits and what it means for long-term portfolios.
- [The $3 Million Super Tax Explained: How It Works and Who Actually Pays](https://planmywealth.com.au/the-3-million-super-tax-explained-how-it-works-and-who-actually-pays/): A plain-English guide to Division 296 and who it affects.
- [Why Your Age Pension May Have Dropped in March 2026](https://planmywealth.com.au/why-your-age-pension-may-have-dropped-in-march-2026/): How the March 2026 deeming rate change affects Age Pension payments.
- [Labor's CGT Backflip: Why Business Owners Should Be Paying Attention](https://planmywealth.com.au/labors-cgt-backflip-why-business-owners-should-be-paying-attention/): What the capital gains tax change means for small business owners.
- [AI and Your Retirement: A Dial-Up to Broadband Moment](https://planmywealth.com.au/ai-and-your-retirement-a-dial-up-to-broadband-moment/): The AI investment shift and what it means for retirement savers.
- [Australia's Housing Problem Isn't What Most People Think It Is](https://planmywealth.com.au/australia-housing-problem-isnt-what-most-people-think-it-is/): A closer look at the real drivers of Australia's housing supply issue.
- [Why Retirement Planning Is Not Just About Investment Returns](https://planmywealth.com.au/why-retirement-planning-is-not-just-about-investment-returns/): The factors beyond returns that determine a comfortable retirement.
- [The Difference Between Retiring With Assets and Retiring With Cash Flow](https://planmywealth.com.au/the-difference-between-retiring-with-assets-and-cash-flow/): Why cash flow, not just asset value, defines retirement security.
- [Why $1 Million in Super Doesn't Mean the Same Thing for Every Couple](https://planmywealth.com.au/is-1-million-in-super-enough-for-a-couple/): How the same super balance can mean very different retirements.
- [How to Consolidate Your Super: A 2026 Guide for Melbourne Near-Retirees](https://planmywealth.com.au/how-to-consolidate-your-super-a-2026-guide-for-melbourne-near-retirees/): A step-by-step guide to consolidating multiple super funds.
- [Proposed Negative Gearing and CGT Changes: What Property Investors Need to Know](https://planmywealth.com.au/proposed-negative-gearing-and-cgt-changeswhat-property-investors-need-to-know/): The proposed property tax changes explained for investors.
- [How Much Super Do I Need to Retire? A Melbourne Adviser's Guide](https://planmywealth.com.au/how-much-super-do-i-need-to-retire/): How to work out the super balance you need for the retirement you want.
- [From Uncertainty to Confidence: How We Helped Mark and Helen Retire Without Debt](https://planmywealth.com.au/from-uncertainty-to-confidence-how-we-helped-mark-and-helen-retire-without-debt/): A client story on retiring debt-free with a clear plan.
- [Claims Advocacy That Made a Difference: Helping Michelle Secure the Income Protection She Deserved](https://planmywealth.com.au/claims-advocacy-that-made-a-difference-helping-michelle-secure-the-income-protection-she-deserved/): A client story on advocating through an income protection claim.
- [The Importance of Financial Planning: Securing Your Future One Step at a Time](https://planmywealth.com.au/the-importance-of-financial-planning-securing-your-future-one-step-at-a-time/): Why a structured financial plan matters at every life stage.

## Optional

- [Sitemap index](https://planmywealth.com.au/sitemap_index.xml)