Ascent Wealth Solutions

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Ascent Wealth Solutions Ascent Wealth Solutions offers holistic, goal-focused financial planning to help you move forward with clarity and confidence.

We are fee-for-service, strategy-focused, with no product bias. Our guidance is always in your best interest.

When deciding how to structure your superannuation in Australia, most people are choosing between: Industry super funds ...
28/09/2026

When deciding how to structure your superannuation in Australia, most people are choosing between: Industry super funds Retail super / wrap platforms SMSF (Self Managed Super Fund). SMSFs can offer control but also involve higher responsibility, regulatory obligations and may not be suitable for all investors. Each option offers a different balance between cost, control,...
The post SMSF vs Industry and Retail Super in Australia: Costs, control and comparison appeared first on Ascent Wealth Solutions.

Compare SMSFs, industry super and retail super in Australia to understand the differences in costs, control, flexibility and trustee responsibilities.

Understanding the cost of an SMSF is important before deciding whether it is appropriate. Unlike traditional super funds...
15/09/2026

Understanding the cost of an SMSF is important before deciding whether it is appropriate. Unlike traditional super funds, SMSF costs are largely fixed, which means the size of your balance has a direct impact on cost efficiency. What does it cost to set up an SMSF? Setting up an SMSF generally involves: Trust deed and...
The post How much does an SMSF cost in Australia? A practical breakdown appeared first on Ascent Wealth Solutions.

Learn how much an SMSF costs in Australia, including setup costs, annual fees, and the factors that affect whether an SMSF is right for you.

A Self Managed Super Fund (SMSF) can provide control and flexibility, but also involves ongoing compliance obligations, ...
11/09/2026

A Self Managed Super Fund (SMSF) can provide control and flexibility, but also involves ongoing compliance obligations, trustee legal responsibility and may not be suitable for all investors. The decision to establish an SMSF is less about the structure itself, and more about whether it aligns with how you want to manage your investments, your...
The post Who Should Consider an SMSF? Key Factors Before Setting Up a Self-Managed Super Fund appeared first on Ascent Wealth Solutions.

Discover who should consider an SMSF, the responsibilities involved, common misconceptions, and whether a self-managed super fund suits your retirement goals

What is an SMSF and how does it work? A Self Managed Super Fund (SMSF) is a private superannuation fund that you manage ...
04/09/2026

What is an SMSF and how does it work? A Self Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself. Unlike retail or industry super funds, where investment decisions are made for you, SMSF members act as trustees and are responsible for how the fund is managed. While SMSFs can offer...
The post Should you set up an SMSF? Pros, costs and what to consider in Australia appeared first on Ascent Wealth Solutions.

Learn how SMSFs work in Australia, the costs, advantages, risks and key factors to consider before deciding if a self-managed super fund is right for you.

At Ascent Wealth Solutions, we’ve been asked whether negative gearing is “over” following the passage of the Treasury La...
21/08/2026

At Ascent Wealth Solutions, we’ve been asked whether negative gearing is “over” following the passage of the Treasury Laws Amendment (Tax Reform No. 1) Act 2026 on 26 June 2026. Media coverage of the reforms has led many Australians to question whether negative gearing remains available, how the new negative gearing rules work, and what...
The post Is Gearing Dead? What the 2026 Budget Actually Changed and What It Didn’t appeared first on Ascent Wealth Solutions.

Understand what the 2026 Budget changed for negative gearing and CGT, what remains the same, and what investors should consider before borrowing to invest.

At Ascent Wealth Solutions, we believe choosing how to borrow is often just as important as choosing what to invest in. ...
19/08/2026

At Ascent Wealth Solutions, we believe choosing how to borrow is often just as important as choosing what to invest in. The borrowing method drives your cost, your risk, and what happens if the strategy does not go to plan. Rates below are indicative only, at the time of writing, and are not offers of...
The post Four Ways to Borrow to Invest: Understanding the Available Options appeared first on Ascent Wealth Solutions.

Home equity, investment property, margin lending, or internally geared funds? Compare four common ways Australians borrow to invest in 2026.

If retirement is starting to feel closer than it once did, you may be asking yourself whether your current financial pos...
10/08/2026

If retirement is starting to feel closer than it once did, you may be asking yourself whether your current financial position will support the lifestyle you hope to enjoy. Whether you hope to retire in a few years or are simply thinking ahead, it is natural to have questions about how prepared you really are...
The post Retirement Planning Melbourne: Super, Retirement Income and Investment Strategies appeared first on Ascent Wealth Solutions.

Discover retirement planning in Melbourne and explore practical strategies to help align your income, superannuation and investments with your future goals.

As retirement moves from a distant goal to a more realistic timeframe, you may find yourself looking at your investments...
29/06/2026

As retirement moves from a distant goal to a more realistic timeframe, you may find yourself looking at your investments differently. Questions such as, “What happens if markets fall just before I retire?”, “Am I taking too much risk?”, or “Should I become more conservative?” are common concerns for many Australians approaching retirement. After all,...
The post How Investment Risk Changes As You Approach Retirement appeared first on Ascent Wealth Solutions.

Explore how investment risk changes as retirement approaches and why balancing growth, income and stability matters for your future.

As retirement moves from a distant idea to a realistic timeframe, you may find yourself thinking more carefully about th...
25/06/2026

As retirement moves from a distant idea to a realistic timeframe, you may find yourself thinking more carefully about the future. Will you have enough to retire comfortably? Can you maintain the lifestyle you enjoy today? When can you afford to stop working? And will your current strategies support the retirement you are working towards?...
The post Retirement Planning Melbourne: Are You On Track For The Retirement You Want? appeared first on Ascent Wealth Solutions.

Discover what retirement planning involves & explore the key considerations that may help you prepare for retirement with greater confidence & financial security.

For many Australians, superannuation is one of their largest financial assets and can significantly influence their weal...
17/06/2026

For many Australians, superannuation is one of their largest financial assets and can significantly influence their wealth, when they retire, and the lifestyle they can afford in retirement. Despite its importance, superannuation is often one of the least reviewed and most misunderstood aspects of a person’s financial position and retirement planning. Work, family and day-to-day...
The post Superannuation Strategies in Melbourne: What Many Australians Overlook Before Retirement appeared first on Ascent Wealth Solutions.

Explore superannuation strategies in Melbourne and discover key considerations that may help strengthen your retirement plans.

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Level 24, 570 Bourke Street
South Melbourne, VIC
3000

Telephone

+61370371717

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