FWP Articles
Support at Home personal care contribution changes
The Support at Home program was introduced in November 2025 and replaced the Home Care Packages Program and the Short-term Restorative Care Programme. This completely changes how older Australians access in-home care.
Circadian Rhythm 101: Unlocking the Secrets of Your Body’s Natural Clock
Imagine two people… Sarah and Jake.
Sarah maintains a consistent sleep schedule, going to bed at 10 PM and waking up at 6 AM every day. She starts her mornings with a walk outside, soaking up the morning sunlight, which helps reset her internal clock. Throughout the day, she stays active and eats meals at regular times. In the evening, she winds down with a relaxing routine, avoids screens before bed, and keeps her bedroom cool and dark. As a result, Sarah falls asleep easily, wakes up refreshed, and feels energised throughout the day. Her mood is stable, her hormonal health is strong, her cognitive function sharp, and she rarely feels fatigued or irritable.
Five things to put in place before you retire
Take these steps to set yourself up for a confident transition to retirement.
What’s your risk profile?
Understanding your risk profile is one of the most important steps you can take as an investor. It helps shape how your money is invested and whether you’ll feel comfortable staying the course when markets rise and fall.
Superannuation: more relevant than ever
A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as one of the most tax-effective investment structures available.
Are your adult children ready for the wealth transfer?
The inheritance wave is building but most people are unprepared for the ride.
Div 296 super tax and practical things to consider
Division 296 super tax is a controversial Federal Government proposal to impose an extra 15% tax on some superannuation earnings for individuals if their total superannuation balance (TSB) is over $3 million as at 30 June of the relevant income year.
Less hibernate, more activate
When the temperature drops, it feels like more of an effort, but getting outdoors, even when it’s chilly, can do your brain and body a whole lot of good.
The First Home Buyer Grant in Queensland – What You Need to Know in 2025
Buying your first home is a moment you’ll never forget – but it can also feel overwhelming. From saving your deposit to navigating banks and government policies, there’s a lot to wrap your head around. The good news? If you’re buying or building a new home in Queensland, you might be eligible for a $30,000 First Home Owner Grant (FHOG) to help make your dream a reality..
Turbocharge your super before 30 June
More than half of us set a new financial goal at the beginning of 2025, according to ASIC’s Moneysmart website. While most financial goals include saving money and paying down debts, the months leading up to 30 June provide an opportunity to review your super balance to look at ways to boost your retirement savings.
5 steps towards a financially fit retirement
If retirement is just around the corner, the current financial climate may make you feel a little uneasy. Watching the markets fluctuate might leave you worrying about whether your superannuation will be enough to see you through.
Forging new bonds - how bonds work
Bonds are not usually the flashy upstarts of the investment world with their every move reported, like stocks.
Important tax update: deductions for ATO interest charges scrapped
If you're carrying an Australian Taxation Office (ATO) debt there is a good chance that it will cost you even more from 1 July 2025 onwards. This is because from 1 July 2025 two types of interest charges imposed by the ATO are no longer deductible.
Finfluencers: bad tax advice could cost you
They’re advising from your insta and TikTok feeds, they’ve got huge followings, they speak with conviction - financial influencers or ‘finfluencers’. Please heed our caution, taking advice from unqualified sources can have serious consequences. We’re seeing examples of misleading claims, exaggerated deductions and outright misinformation. Relying on this advice could not only leave you out of pocket but also expose you to ATO penalties, fines or in the worst case scenario - prosecution.
Trump’s tariffs have finally kicked in, so what happens next?
Donald Trump’s new international trade tariffs have landed. Some are lower than others, some deals have been done, but overall they are the highest they have been in 100 years.
The super changes coming into effect in the 2025-26 financial year
Australian superannuation laws changed once again in the 2025-26 financial year as the nation’s fast-growing retirement savings system continues to evolve.
Australian Government’s Expanded First Home Guarantee: What You Need to Know
Buying your first home in Australia has always been a big milestone, but also one of the toughest financial hurdles many people face. With rising property prices and the struggle to save a 20% deposit, it can often feel out of reach. That’s why the Australian Government has recently expanded its First Home Guarantee scheme, removing income caps, lifting property price limits, and making places unlimited from 1 October 2025. Designed to help first-home buyers get into the market sooner with just a 5% deposit and no Lenders’ Mortgage Insurance, the scheme could be a game-changer—if you know how to navigate it wisely.
If I Was Ready to Buy My First Home, Here’s Exactly What I’d Do
Buying a first home is one of those life goals that feels both exciting and terrifying at the same time. With the government’s expanded First Home Guarantee scheme rolling out from 1 October 2025, the path into homeownership looks a little smoother, but I know it still comes with plenty of decisions, risks, and responsibilities.
The gig life - balancing freedom AND financial stability
The gig economy sounds like a dream, and for many it is. Being your own boss, setting your own hours, working in pyjamas - what's not to love? Whether you're freelancing full-time or juggling a juicy side hustle, there’s magic in earning money on your terms.
But let’s not get too starry-eyed. It's not all almond-milk lattes and laptop-at-the-beach vibes.
Trusts are back in the ATO spotlight
With more than 947,000 trusts operating across Australia, it’s no surprise the ATO continues to keep a close eye on how these structures are managed. Trusts remain central to many wealth and succession plans, but their complexity means they also attract compliance scrutiny.