Financial Planning Mackay

Come see us at the Ag Show today and Saturday at the Mackay Show Grounds!

Find us with Elders Insurance Mackay and Pioneer Valley & Isaac

All presents wrapped and groceries done for our George Street Neighbourhood Hub Adopt-a-Family Christmas appeal.

Hopefully this brings a smile to the faces of our family and makes this Christmas a bit brighter 🎄

Our donation basket for our adopted family is starting to look merry!

If you have anything you'd like to add for this family, please drop into our office 🎄

"It's the most wonderful time, of the year 🎄"

Here at Financial Planning Mackay, we love our community and want to share the Christmas Spirit, which is why we have adopted a family through The Neighbourhood Hub.

We are collecting donations for our family to help make their Christmas extra special. If you would like to donate some of the suggested items, please feel free to drop them into the office.

Thank you 🎅

Understand the psychology behind wealth.

Smart financial decisions start with smart habits.

By automating good behaviours and aligning your finances with how your brain actually works, you set yourself up for long-term success.

✅ Start by reviewing your super
✅ Check in on your daily money routines

Need help getting started? We’re here to guide you.

📞 07 4896 5199
📍 2/5 Peel Street, Mackay
🌐 financialplanningmackay.com.au

Why aren’t we retiring as comfortably as we should? 🤔

The average super balance for Aussies aged 60–64 is:
💼 $380,737 for men
💼 $300,717 for women

But according to ASFA, you’ll need around $595,000 to retire comfortably.

It’s not low wages. It’s not poor investment returns.
Australia’s super system has averaged 7.6% annually over the past 30 years.

👉 The real challenge? Time preference — our tendency to prioritise short-term spending over long-term savings.

Understanding the psychology behind our decisions is key to closing the retirement gap.

Need support planning your future? Let’s chat.

📞 07 4896 5199
📍 2/5 Peel Street, Mackay
🌐 financialplanningmackay.com.au

Super strategies you don’t want to miss in 2024–25 💡

The concessional contributions cap has increased to $30,000.
If your super balance is under $500,000, you may also be able to carry forward unused caps from the past 5 years — a great way to boost your retirement savings faster.

Not sure how to make it work for you? We can help.

📞 07 4896 5199
📍 2/5 Peel Street, Mackay
🌐 financialplanningmackay.com.au

Your first 30 days to better financial health 💰

✅ Review your super
✅ Set up automatic transfers
✅ Consolidate high-interest debt

Small changes today = long-term rewards. Start your behavioural wealth plan now — your future self will thank you.

💼 "Own occupation" vs "any occupation" — what's the difference?

If you're exploring income protection or TPD insurance, this is essential to understand:

🔹 Own occupation means you're covered if you can’t perform your specific job.
🔹 Any occupation only pays if you’re unable to work in any job you're suited for by education, training or experience.

One gives you greater protection, the other may have lower premiums — but the right choice depends on your personal circumstances and goals.