John Bellas Financial Services

Powers of attorney and advance care directives - Who will make decisions if you can't?

Most of us spend our lives making our own decisions. We manage our finances, property, health, family matters and everyday affairs without giving much thought to what might happen if one day we were unable to do so.

An accident, serious illness, stroke, dementia or another unexpected event can change that very quickly.

That is why documents such as a Power of Attorney, Enduring Power of Attorney and Advance Care Directive can form an important part of planning for the future.

Importantly, the names, rules and legal powers associated with these documents vary between Australian states and territories, so professional legal advice specific to where you live is essential.

Click the link below to read more:
https://jbfs.com.au/powers-of-attorney-and-advance-care-directives-who-will-make-decisions-if-you-cant/

Understanding misconceptions about life insurance

Life insurance is one of the most essential financial tools available, yet it is often misunderstood.

Many individuals avoid taking out a policy due to misinformation or misconceptions that can leave them and their loved ones financially vulnerable.

Understanding these misconceptions and seeking expert advice can help individuals make informed decisions about their financial security.

To find out more, click the link below:

https://jbfs.com.au/understanding-misconceptions-about-life-insurance/

The mornings are quite chilly to be out and about, but the days are glorious, welcome to Winter!

Our current Newsletter is here featuring articles on investing for the next generation, retirement income options when markets are volatile, and the art of leaning into winter.

We hope you find the newsletter helpful and if you have any questions regarding any of the articles, please contact our office on 07 3396 4204 to speak with an adviser.

https://jbfs.com.au/wp-content/uploads/2026/06/Winter-2026.pdf

Payday Super: why employers should start preparing now

From 1 July 2026, Australian employers will need to manage superannuation guarantee payments differently. Under the Payday Super reform, super will move away from being mainly a quarterly compliance task and become part of the regular payroll process.

To find out more, click the link below:

https://jbfs.com.au/payday-super-why-employers-should-start-preparing-now/

Understanding risk tolerance: Passing the investment sleep test

Investing is never just about chasing returns. It is also about understanding yourself.

Before choosing where to invest, one of the most important questions to ask is not simply, “How much can I make?” It is, “How much uncertainty can I live with?” This is where risk tolerance matters.

To find out the risk tolerance categories, click the link below.

https://jbfs.com.au/understanding-risk-tolerance-passing-the-investment-sleep-test/

Federal Budget 2026: Reform and Resilience in Uncertain Times

Treasurer Jim Chalmers has framed the 2026 Federal Budget as “the most important and ambitious budget in decades”.

“This Budget is about getting us through the global oil shock and taking pressure off Australians while building a stronger economy, better tax system, a more sustainable budget and lifting living standards,” the Treasurer told Parliament.

https://jbfs.com.au/wp-content/uploads/2026/05/Federal-Budget-Summary-May-2026.pdf

Click the link to read more, and if you would like to discuss anything raised in relation to the May 2026 Budget Summary, please don’t hesitate to contact our office to speak with one of our advisers.

Top 5 tips to motivate kids to save

Building strong money habits early can set children up for a lifetime of smart financial decisions.

It all starts with simple lessons in saving, spending, and valuing what matters most.

To see these tips, click the link below:
https://jbfs.com.au/top-5-tips-to-motivate-kids-to-save/

Autumn Newsletter 2026

It’s been a little fresh in the morning recently and we can definitely feel autumn in the air! The latest newsletter has arrived featuring articles on protecting and growing wealth in uncertain times, the silent partner in your wealth plan, and incidental exercise – putting more pep in your step.

We hope you find the newsletter helpful and if you have any questions regarding any of the articles, please feel free to contact our office on 07 3396 4204 to speak with your adviser.

https://jbfs.com.au/wp-content/uploads/2026/03/Autumn-2026.pdf

Cashflow under pressure: Smarter ways to save on fuel, food and electricity

With the rising cost of living continuing to impact households across Australia, managing your cashflow has never been more important.

Fuel, food and electricity costs are three of the biggest pressures on the weekly budget. While these expenses can feel unavoidable, there are practical strategies—and even conversations you may not have considered—that can help ease the strain.

To find out more, click the link below:
https://jbfs.com.au/cashflow-under-pressure-smarter-ways-to-save-on-fuel-food-and-electricity/

Volatility is normal: Why long-term wealth depends on staying the course

Turn on the news during any period of global unrest and it can feel like the financial world is unravelling. Markets fall sharply. Headlines scream crisis. Investors begin to question everything.

And yet, history tells a very different story.

To find out more, click the link below:

https://jbfs.com.au/volatility-is-normal-why-long-term-wealth-depends-on-staying-the-course/