Top Financial Mistakes Regional Victorians Make — and How to Avoid Them
Living in regional Victoria offers many advantages — affordable property, a strong sense of community, and a more relaxed lifestyle. But when it comes to managing money, investing, and preparing for retirement, regional Australians often face unique challenges. After years of working with clients across Bendigo, Shepparton, Echuca and beyond, these are the most common financial mistakes […]
Retiring in Bendigo vs Melbourne: The Financial and Lifestyle Benefits of a Regional Retirement
For many Australians, the goal of retiring comfortably can feel increasingly out of reach. The rising cost of living has understandably heightened anxiety for those approaching retirement — and with good reason. Housing, power, transport, and everyday essentials have all become significantly more expensive. As a result, we’re seeing more people make the move away […]
Labor’s Revised Superannuation Tax Plan: What It Means for You
The Australian Labor Government has announced changes to its proposed superannuation tax for high-balance accounts. After facing criticism over fairness and technical design, the revised version narrows the scope, softens some provisions, and introduces protections — making it more politically and practically viable. Let’s break it down: What’s Changing — And Why Earlier proposals included: […]
Retirement Planning in Bendigo: Why Local Advice Still Matters
Planning for retirement isn’t just about having enough money — it’s about feeling confident, secure, and in control of your future. For many people across Bendigo and regional Victoria, that means more than just picking a super fund or estimating how long your savings might last. It’s about understanding your lifestyle goals, your family situation, […]
Who Inherits Your Super? Why Bendigo Locals Shouldn’t Leave It to Chance
It’s easy to assume your super will be handled the same way as everything else you leave behind, but it follows a completely different process. Superannuation doesn’t automatically pass through your will — and who receives it depends entirely on how you’ve set things up. For people across Bendigo and regional Victoria, super is often […]
Catch-Up Contributions
Making the Most of Unused Caps Before Retirement If you’re starting to think seriously about retirement, one of the most powerful ways to boost your super is by making the most of the government’s catch-up concessional contribution rules. Many Australians don’t even realise these exist, but they can make a big difference in the final […]
Balancing Work and Life: What options do I have?
In our fast-paced modern society, there’s a growing desire for achieving a better balance between work and personal life. This goal resonates with various demographics, ranging from professionals grappling with lengthy work hours, dual-income households balancing demanding jobs with childcare responsibilities, to older individuals seeking more time for family and hobbies as they transition into […]
Understanding the Role of a Financial Plan
When meeting with our clients, it’s evident that most have a vision for their future selves, whether short-term objectives such as debt management or readiness for life changes, or long-term aspirations like paying off the mortgage, home upgrades, or having a comfortable retirement. However, a prevalent challenge we observe is misalignment—where financial situations and decisions […]
Retirement Planning: Frequently Asked Questions
Below are the burning questions we get asked the most about planning for your retirement. What is a good financial plan for retirement? A comprehensive retirement strategy necessitates engaging with a financial adviser to discuss a customised approach to match your specific financial situation. We’ll evaluate your earnings, expenditures, investments, and potential hazards. Key components […]
Navigating Early Access to Superannuation: Your Guide to Potential Paths
Early access to superannuation funds, though primarily reserved for retirement financing, is indeed attainable under specific circumstances. While these withdrawals typically necessitate exceptional situations like health challenges or severe financial distress, avenues for early access do exist. In this comprehensive guide, we’ll discuss the pathways to securing early access to your super, address potential hurdles, […]