Northstar Wealth Management

Your mortgage interest isn't tax-deductible. But investment loan interest is. Debt recycling is the strategy that converts one into the other — using money you were already putting towards your home loan.

Swipe for the 4-step cycle, a real-dollar example, and a visual showing how your debt shifts from "bad" to "good" over 15 years.

This is not a DIY strategy. Save this and talk to a planner before you try it.

📍 Norwest, Sydney
💬 Free 30-minute consultation — link in bio

You're 38. You earn $130,000. You have a mortgage, two kids, and a partner who works part-time. Tomorrow morning, you can't work.

What happens next? Swipe to see two very different outcomes — one with income protection, one without.

This isn't about selling insurance. It's about protecting the people who depend on you.

📍 Norwest, Sydney
💬 Free 30-minute consultation — link in bio

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Stop taking financial advice from 60-second videos. We hear these myths every single week in client meetings — and they're costing people real money.

Swipe to see the 5 worst pieces of financial advice on the internet, and the reality behind each one.

Save this. Tag someone who needs to see #3.

📍 Norwest, Sydney
💬 Free 30-minute consultation — link in bio

Most people earn good money but have no system for where it goes. Here's the dead-simple framework that fixes that in 15 minutes.

How much super should you actually have at your age? Most Australians have no idea — and the ATO median tells a confronting story.

We broke it down by age: 30, 35, 40, 45, and 50. Each slide shows whether you're behind, on track, or ahead — plus the national median and what to do if the numbers don't look great.

The good news? If you're behind, there's still time. The bad news? Every year you wait makes the gap harder to close.

Save this post. Screenshot your age. Share it with someone who needs to see their number.

📍 Norwest, Sydney
💬 Free 30-minute super review — link in bio

Most people put off seeing a financial planner for one reason — they don't know what actually happens. So we broke it down. Step by step. No jargon. No surprises.

From the first phone call to your ongoing reviews, this is exactly what working with a financial planner looks like.

Save this for when you're ready. Share it with someone who's been thinking about it but hasn't pulled the trigger yet.

📍 Norwest, Sydney
💬 Free 30-minute discovery call — link in bio

Most homeowners don't know the difference between an offset account and a redraw facility — but choosing the wrong one could cost you thousands in tax and interest.

One gives you flexibility. The other gives you access. They're not the same thing, and the right choice depends on your situation.

Save this post. Share it with someone who just bought their first home.

📍 Norwest, Sydney
💬 Free 30-minute consultation — link in bio

𝗪𝗲 𝗱𝗼𝗻'𝘁 𝘁𝗮𝗸𝗲 𝗼𝗻 𝗲𝘃𝗲𝗿𝘆 𝗰𝗹𝗶𝗲𝗻𝘁 — 𝗮𝗻𝗱 𝘁𝗵𝗮𝘁'𝘀 𝗯𝘆 𝗱𝗲𝘀𝗶𝗴𝗻.

Here are the 5 questions we ask before we work together, because the best results come from the right fit.

𝐆𝐫𝐞𝐚𝐭 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧 𝐈 𝐠𝐞𝐭 𝐚𝐬𝐤𝐞𝐝 𝐜𝐨𝐧𝐬𝐭𝐚𝐧𝐭𝐥𝐲 — "𝐰𝐡𝐢𝐜𝐡 𝐬𝐮𝐩𝐞𝐫 𝐟𝐮𝐧𝐝 𝐢𝐬 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭?"

Here's the truth: the fund name doesn't matter nearly as much as people think. Whether it's Fund A, Fund B or Fund C, that's just the wrapper. What actually drives your outcome is the investment strategy sitting inside it.
A few things worth focusing on instead of chasing a "best fund" list:

𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲 : this is the real lever, and it's not a small one. Most people default into a generic "high growth," "balanced" or "diversified" option without ever asking what's actually inside it. As an investor, you should know exactly where your money is going. As financial planners, we build bespoke investment strategies matched to each client's specific circumstances, goals and risk profile — not a blanket, one-size-fits-all option.

𝐅𝐞𝐞𝐬 : what are you actually paying for the platform/infrastructure, and is it justified by what you're getting?

𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 : is the cover inside your super tailored to you, or just a generic default?

𝐇𝐞𝐫𝐞'𝐬 𝐚 𝐫𝐞𝐚𝐥 𝐞𝐱𝐚𝐦𝐩𝐥𝐞: 𝐚 𝟒𝟎-𝐲𝐞𝐚𝐫-𝐨𝐥𝐝 𝐨𝐧 𝐚 $𝟏𝟐𝟎𝐤 𝐢𝐧𝐜𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐚 $𝟐𝟎𝟎𝐤 𝐬𝐮𝐩𝐞𝐫 𝐛𝐚𝐥𝐚𝐧𝐜𝐞, 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐭𝐨 𝐚𝐠𝐞 𝟔𝟓. 𝐈𝐟 𝐭𝐡𝐞𝐢𝐫 𝐟𝐮𝐧𝐝 𝐫𝐞𝐭𝐮𝐫𝐧𝐬 𝟕% 𝐩.𝐚. 𝐧𝐞𝐭 𝐨𝐟 𝐟𝐞𝐞𝐬, 𝐭𝐡𝐞𝐲'𝐥𝐥 𝐫𝐞𝐭𝐢𝐫𝐞 𝐰𝐢𝐭𝐡 𝐫𝐨𝐮𝐠𝐡𝐥𝐲 $𝟐.𝟎 𝐦𝐢𝐥𝐥𝐢𝐨𝐧. 𝐈𝐟 𝐢𝐭 𝐫𝐞𝐭𝐮𝐫𝐧𝐬 𝟖% — 𝐣𝐮𝐬𝐭 𝐨𝐧𝐞 𝐩𝐞𝐫𝐜𝐞𝐧𝐭 𝐦𝐨𝐫𝐞 — 𝐭𝐡𝐞𝐲'𝐥𝐥 𝐫𝐞𝐭𝐢𝐫𝐞 𝐰𝐢𝐭𝐡 𝐫𝐨𝐮𝐠𝐡𝐥𝐲 $𝟐.𝟒𝟐 𝐦𝐢𝐥𝐥𝐢𝐨𝐧. 𝐓𝐡𝐚𝐭'𝐬 𝐚 ~$𝟒𝟐𝟔,𝟎𝟎𝟎 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞. 𝐅𝐫𝐨𝐦 𝐨𝐧𝐞 𝐩𝐞𝐫𝐜𝐞𝐧𝐭. 𝐂𝐨𝐦𝐩𝐨𝐮𝐧𝐝𝐞𝐝 𝐨𝐯𝐞𝐫 𝟐𝟓 𝐲𝐞𝐚𝐫𝐬.

This is why "which fund" is the wrong question. The right question is "what's actually driving my returns, and is it working as hard as it should be?"

𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐨𝐧𝐥𝐲 - this doesn't consider your personal circumstances. Figures above are illustrative projections based on stated assumptions and aren't a guarantee of future performance. Please seek personal advice before making changes to your super.