Heading Forward Financial Planning

Top 5 aged care concerns — and how the right advice can help Aged care is rarely something families want to think about before they need it. Unfortunately, waiting until a hospital admission, fall, illness or other crisis can mean important decisions have to be made quickly and under considerable emotional pressure. For an ageing person, the transition toward...

Life after work: Finding the right time to retire For much of our working lives, retirement can feel like a distant destination. Then suddenly, it becomes a very real decision.Do you retire at 60? 65? 67? Keep working part-time? Finish when the mortgage is paid off? Or wait until your superannuation reaches a certain figure?The reality is there is....

Changes to Negative Gearing Learn how Australia's negative gearing reforms from 1 July 2027 may affect property investors, including grandfathering rules and new build incentives.

Powers of attorney and advance care directives – Who will make decisions if you can’t? Most of us spend our lives making our own decisions. We manage our finances, property, health, family matters and everyday affairs without giving much thought to what might happen if one day we were unable to do so. An accident, serious illness, stroke, dementia or another unexpected event can chang...

Direct shares or managed funds: What is the difference? Investing can take many forms, but two of the most common approaches are buying shares directly or investing through a managed fund. Both can provide exposure to investment markets, yet they differ in how they are owned, selected and managed. Understanding these differences can help investors feel m...

Capital Gains Tax Changes Are Coming – But Not Until 1 July 2027 The Australian Government has introduced significant changes to the way capital gains are taxed. While these reforms have generated considerable discussion, it is important to understand that the new rules do not commence until 1 July 2027 and, for many investors, the impact may be less immediate th...

Top 5 new skills to develop in retirement Retirement is often described as the time to slow down, but it can also be the perfect opportunity to finally master the skills that were pushed aside during a busy working life. Careers, family commitments and everyday responsibilities can leave little time for personal development. Once retirement...

Australian Taxation Office (ATO) and ‘myGov’ impersonation scams With tax time 2026 fast approaching, Scamwatch and the Australian Taxation Office (ATO) are reminding Australians to be aware of communications claiming to be from the ATO or ‘myGov’. Scammers make phone calls, send fake emails, texts, or messages, and even create fake websites that look like th...