Resources Unearthed

Congratulations to Stratus Financial Group, our Financial Planning contributors, on being named a finalist in the Fortnum Practice of the Year category. We wish the team all the very best for the awards next week.

We are proud to share that Stratus Financial Group has been named a finalist in the Fortnum Private Wealth Awards, in the Practice of the Year (3+ Advisers) category.

Congratulations to our advisers, Brett Cribb, James Marshall and Steve Nicholas, and to the entire Stratus team. This recognition reflects the dedication, professionalism and care they bring to our clients every day.

We are honoured to be recognised as a finalist and proud to be part of the Fortnum community, a network of professionals committed to delivering meaningful outcomes for clients.

Congratulations to our fellow finalists, and we wish everyone the very best.

When most people think about offset accounts, they think about reducing interest costs.

What often receives less attention is the flexibility a fully offset loan can create when major life decisions arise.

Whether you are purchasing a new family home, acquiring a lifestyle property, planning for retirement or redeploying wealth from employee share schemes, the way debt is structured may have a meaningful impact on future outcomes.

In his latest article, James Marshall explores why debt allocation may become an increasingly important consideration in a changing tax environment.

How The Federal Budget Could Change The Way You Use Offset Accounts | Resources Unearthed Recent tax changes may alter how investors think about debt. Discover why offset accounts, debt structure and balance sheet flexibility may play a larger role in future wealth planning.

Many people believe the most significant financial event following a separation or divorce is the property settlement. In reality, that is often only the beginning.

What happens to your Will? Your superannuation nominations? Any trusts or structures established years earlier?

These arrangements can sometimes remain unchanged long after family circumstances have evolved.

Robert Lamb explores why blended families can create unique succession planning challenges and why assumptions can sometimes become expensive.

More: https://www.resourcesunearthed.com.au/estate-planning-for-blended-families-hidden-risks-for-mining-and-resources-professionals

Separation, divorce and re-partnering can change far more than family circumstances.

Without regular reviews, Wills, superannuation nominations and trust structures may no longer reflect your intentions or protect the people you care about.

Robert Lamb of Hillhouse Legal Partners explores the unique succession planning challenges facing blended families in his latest article for Resources Unearthed.

Link: https://www.resourcesunearthed.com.au/estate-planning-for-blended-families-hidden-risks-for-mining-and-resources-professionals/

Estate Planning for Blended Families: Hidden Risks for Mining and Resources Professionals | Resources Unearthed Separation, divorce and re-partnering can create hidden estate planning risks. Learn how wills, trusts and superannuation may impact family wealth transfer.

Are you more exposed to the mining cycle than you realise?

For many dual-income mining families, employment income, bonuses, executive share schemes and future opportunities can all be tied to the same industry.

True diversification may involve more than just your investment portfolio.

Read more in our latest article here: https://www.resourcesunearthed.com.au/the-two-income-mining-household-structuring-your-combined-financial-life/

Many mining and resources professionals spend years building successful careers, but less time considering how their financial decisions fit together as a household.

In his latest article, Brett Cribb, Financial Adviser and Director at Stratus Financial Group, shares insights on structuring a combined financial life, aligning goals and making the most of shared opportunities.

Read the article here: https://www.resourcesunearthed.com.au/the-two-income-mining-household-structuring-your-combined-financial-life

The Two-Income Mining Household: Structuring Your Combined Financial Life | Resources Unearthed For mining and resources professionals with dual careers, executive share schemes and growing wealth, discover five financial planning conversations that can help manage risk, retirement, wealth preservation and long-term family objectives.

Helping adult children financially? The structure may matter as much as the support itself.

Rather than transferring funds outright, some families are considering formal loan arrangements to provide greater clarity around how financial support is intended to be treated over time.

The approach adopted today could have implications for family equity, asset protection and estate planning conversations in the future.

Read more in our latest article: https://www.resourcesunearthed.com.au/helping-adult-children-financially-in-a-changing-tax-landscape-strategies-for-mining-and-resources-professionals/