Centaur Financial Services

If you're in your 50s or 60s, chances are money questions are taking up more headspace than you'd like.

Maybe you're still working and wondering when you can actually afford to stop. Maybe you've already retired and you're not sure if you're spending too much, or not enough. Or maybe you're thinking about selling the business, and the weight of getting the next step right is sitting heavily.

Wherever you're at, those questions are completely normal. And they all have answers.

At Centaur Financial Services, we work with people exactly like you every day. We help you cut through the complexity, get clear on where you stand, and build a plan that lets you stop worrying about money, and start using it to live.

Book an intro call with our team today. Stop guessing. Start living.

👉https://centaurfinancial.com.au/contact/

Markets are moving fast.

Hugh sat down with James Kirby from The Australian's Money Puzzle last week to talk through what's actually happening, and what it means for you.

They covered the SpaceX IPO bonanza (and why it changes how Australians think about global investing), the CGT changes, the trust backflip in the Budget, and whether new property is about to become the hottest game in town.

32 minutes. Worth every one of them.

🎧Listen on Apple Podcasts → https://podcasts.apple.com/au/podcast/the-money-puzzle/id1201031401?i=1000773311979

🎧 Listen on Spotify → https://open.spotify.com/episode/1UV0lPouFBH4ALayJiOVwI?si=a849bce098e4480a

🌐 Listen in your browser → https://omny.fm/shows/the-money-cafe-with-kirby-and-kohler/bull-market-bonanzas-and-back-flipping-budget-moves

Got a question after listening? Drop it in the comments, we'd love to hear what's on your mind.

Volatile markets do not mean your retirement income has to stop.
Even when markets are unsettled, there are ways to structure income so everyday spending is covered, while long term investments are given time to recover.
We explain the main retirement income options, and how the right structure can reduce stress when markets move around.
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Retirement Income Options When Markets Are Volatile Markets have lurched from one direction to another; interest rates have lifted faster than expected, with the possibility of more increases in the months ahead, and there’s no end in sight to the global uncertainty.

End of financial year does not need to feel rushed or overwhelming.

EOFY is simply a checkpoint. A chance to make sure the right decisions are in place before 30 June, and that nothing valuable slips through unnoticed.

We have put together a practical EOFY financial checklist covering areas such as:�- super contributions�- investment and tax planning�- structures and cash flow�- items worth reviewing before the year closes

It is designed to help you feel organised, not pressured.

You can read the full checklist here:
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EOFY 2026 Checklist for employees, sole-traders, business owners and retirees A plain-English EOFY 2026 checklist for PAYG employees, sole traders, company/trust owners and retirees.

Fear of running out of money in retirement is more common than people realise.

Even households with strong savings often underspend, not because they cannot afford to, but because they are unsure how secure their income really is.

This fear has a name. FORO, the Fear of Running Out.
�Left unaddressed, it can quietly limit what should otherwise be a comfortable and well planned retirement.

In this article, we explore why FORO happens, how it shows up in real decisions, and what actually helps restore confidence.

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Conquering FORO: The Fear of Running Out in Retirement FORO (the fear of running out) is one of the biggest psychological hurdles in retirement. Here's why it costs more than money, and what to do about it.

What really drives happiness in retirement? 🤔�It’s not just about the numbers — income certainty, confidence, and peace of mind play a big role.

This new Happiness Index from Challenger explores what Australians say actually makes the biggest difference to wellbeing as we age, and why a reliable income matters more than many expect.

Worth a quick read 👇

Happiness Index Challenger and independent research house YouGov conducted the study of over 1,000 Australians aged 60+ to understand their retirement happiness and key drivers.

Livewire Markets recently asked Hugh how he would design an alternatives portfolio than can generate an 8% return with lower risk and less correlation to equities.

With the volatility over the past few weeks now may be the time to start considering alternatives in your portfolio.

Want 8%+ p.a. with fewer sleepless nights? These 2 portfolios aim to do exactly that Designed by two seasoned advisers, these portfolios seek strong, reliable returns without the gut-churning volatility of equity markets.

Hi All, with interest rates going down the team at Livewire markets asked if we could showcase a portfolio that can yield 6%.

Have a look here:

2 income portfolios delivering 6%+ p.a. consistently (they're yours to download) Two advisers. One income challenge. The result? Two unique playbooks for yield hunters you don't want to miss.