Why Personal Protection Matters: The Smart Way to Safeguard Your Family’s Future
When most people think about financial planning, they think about investments, superannuation, retirement planning or building wealth. But there’s a crucial foundation that comes before all of that: protecting the income and lifestyle your family relies on. For families across Australia — including here in Bendigo, Echuca, Shepparton and regional Victoria — personal protection insurance […]
Smart Retirement Planning in Australia: How to Retire with Confidence and Financial Freedom
Retirement planning in Australia — especially here in Bendigo and regional Victoria — can feel overwhelming. The rules constantly change with Centrelink eligibility, markets are as sensitive as ever, and superannuation legislation keeps evolving every new government elected. But with early planning, the right strategy and a clear roadmap, retirement doesn’t need to feel uncertain […]
Why Our Experience with VicSuper (Now Aware Super) Matters
Most financial advisers in regional Victoria have never worked inside an industry super fund. Phil and I have. Before starting Greybox Wealth, Phil and I both worked at VicSuper — which today is known as Aware Super — one of Australia’s largest industry super funds. This gave us deep first-hand experience in: This background is […]
Wealth Management Strategies That Actually Work: Building Long-Term Financial Security in 2025
When people think “wealth management” most assume it’s just investing. It’s not. Wealth management is the entire ecosystem of decision-making around how you structure your assets, grow capital, protect your wealth, minimise tax and make sure that money lasts beyond you. And in 2025, the environment is different. Interest rates are higher. Returns are more […]
How to Know If You’re on Track for a Comfortable Retirement
For many people across regional Victoria, retirement can feel more uncertain than ever. Markets move fast, interest rates change, property values move in cycles, and the cost of living is noticeably higher than it was just a few years ago. It’s completely normal to question whether you’re actually on track — or if you might […]