The Real Money Mumma

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The Real Money Mumma Nicole Gardner | Qualified Financial Adviser 💰✨🌱| Mum of 3 | Videos are education only - not advice. *not taking on new clients at the moment* AFSL: 700074

12/10/2026

As a couple, you can have $1.1M in super and STILL be eligible for the Centrelink aged pension! 💰🌱✨ Thanks Jayc for the question!

09/10/2026

Great question, thanks Darlene! 💰🌱✨

18/09/2026

The limits for the income and assets test are also increasing as well as the deeming rate. 💰🌱✨

I said what I said! ✨Women are definitely in the minority making up just 22% of the Financial Adviser population in Aust...
17/09/2026

I said what I said! ✨

Women are definitely in the minority making up just 22% of the Financial Adviser population in Australia. By being visible and posting on socials I’m hoping I can encourage more women into the profession. Because if you see it, you can be it. ✨

16/09/2026

Thinking of gifting some inheritance money early? This may impact your pension payments for a 5 year rolling period.💰🌱✨

14/09/2026

Ever heard term ‘franked dividend’ and wondered what it means? I got you. 💰🌱✨

General Advice Disclaimer: the information contained in this video is general in nature and does not take into consideration your personal circumstances.

12/09/2026

🏠📉Property going down? Here’s 3 reasons to not get stressed! 💰🌱✨

General Advice Disclaimer: The information contained in this video is general in nature and does not take into consideration your personal situation, goals or circumstances. Please seek professional advice before making any decisions.

I've just reached 45K followers! Thank you for continuing support. I could never have made it without each and every one...
31/12/2025

I've just reached 45K followers! Thank you for continuing support. I could never have made it without each and every one of you. 🙏🤗🎉

I've just reached 40K followers! Thank you for continuing support. I could never have made it without each and every one...
31/08/2025

I've just reached 40K followers! Thank you for continuing support. I could never have made it without each and every one of you. 🙏🤗🎉

Good things are worth the wait! 👏 💰🌱✨Some advice firms can produce SOAs (Statement of Advice) much quicker, however the ...
21/08/2025

Good things are worth the wait! 👏 💰🌱✨

Some advice firms can produce SOAs (Statement of Advice) much quicker, however the requirement to research your situation and provide tailored advice takes time. I’d say 6 weeks is actually a pretty good turnaround. 👍

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