PLM Financial Group

An important upcoming change to the treatment of credit card surcharges following the industry-wide card surcharge ban is taking effect from 1 October 2026. From this date, businesses in Australia will no longer be permitted to apply a separate surcharge to eligible card payments.

The three designated card networks, eftpos, Mastercard and Visa, have each decided to introduce ‘no-surcharge’ rules from 1 October 2026.

The changes only apply to surcharges added because a customer pays by card. They do not apply to weekend surcharges, public holiday surcharges, or booking fees or service fees.

Further information is available on the RBA website:

Frequently Asked Questions – Removal of payment surcharges from 1 October 2026 Frequently asked questions about Card Payments Regulation

Budget changes can change the investment equation for property owners. Our latest blog looks at the recent tax changes and whether long-term wealth planning strategies should shift toward superannuation.

Property Investment: Tax Changes Budget changes can alter the maths for property investors. Should more long-term wealth planning shift towards superannuation?

Teach your children money skills that last a lifetime. Our latest blog explains practical ways to introduce financial concepts to children, build healthy money habits, and set them up for future success.

Read more: https://www.plmfinancialgroup.com.au/post/empowering-future-generations-how-financial-education-for-children-builds-wealth-and-understanding

Empowering Future Generations: How Financial Education for Children Builds Wealth and Understanding Teach your children about money and set the foundations for their future success.

📉 Market Volatility = No Time to Panic 📈
Periods of global uncertainty can be unsettling, and it’s completely normal to feel anxious when markets swing sharply. But history has shown us one consistent truth: emotional reactions often do more damage to long‑term wealth than the volatility itself.
✅ Successful financial planning is built for uncertain times
✅ Diversification and a long‑term strategy help smooth short‑term noise
✅ Staying invested according to your plan beats trying to time the market

Headline news can change daily. Your financial goals—retirement, family security, freedom of choice—are long‑term. That’s why your strategy should be too.

👉 If recent market movements have raised questions or concerns, now is a great time to get professional financial advice.

📲 Book a confidential, no‑obligation chat to review your plan, stress‑test your portfolio, and ensure your strategy still aligns with your goals.

Calm planning beats panic—every time.