Financial Planner Blog

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EOFY Checklist – What to Do Before June 30

The 30th of June need not feel like a looming dark date. ActOn Wealth’s Melbourne…

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Stage Three Tax Cuts Australia – How Will You Benefit?

To help ease the cost of living burden on middle Australia, the Albanese government announced…

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The Tax Effect on Deceased Estates

Although death duties were abolished in Australia many years ago, a number of tax issues…

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Aged Care Financial Advice

Expert financial advice for seniors Let us tailor the right advice for you. Book a…

What Is a Self-Licensed Adviser & Should You Choose One?

If you’re exploring financial advice in Australia, you may have come across the term self-licensed…

The Ultimate Guide to Portfolio Diversification: 7 Steps to Smarter Investing

When it comes to building long-term wealth, diversification is not just a buzzword—it’s a critical…

Financial Advisors vs. Robo-Advisors: Which Is Right for You?

In today’s increasingly digital world, Australians have more options than ever when it comes to…

A Complete Guide to Credit Lending

Everything You Need to Know Before You Borrow Are you considering getting a loan to…

Retirement Planning Strategies In Your 50s

If you’re considering financial planning in your 50s, we’ll assume you’ve already built wealth and…

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Money Saving Ideas For Families

Cost of living increases, school fees, medical expenses, soaring housing and rental costs, inflation, and…

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IFA Excellence Awards – ActOn Wealth Nominated Six Times

What the IFA Excellence Awards mean to ActOn Wealth

How To Save For Your Retirement In Your 40s

Once upon a time, retirement was something that happened well into the future. However, now…

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How To Prepare For Retirement In Your 60s

Especially if you have a fear of running out of money Have you heard of…

Financial Planning In Your 40s

What To Do When You Win The Lottery in Australia

They say the chance of winning the lottery in Australia is something like one in…

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Federal Budget 2024 Summary

On 14th May 2024, Treasurer Jim Chalmers delivered the 2024 Federal Budget. Plans outlined a…

Retirement Planning – How We Helped Julie To Retire By 55

With goals to retire by age 55, do you think 49-year-old Julie is a successful…

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A Guide for Selling or Closing Your Business

As a hard-working small business owner you’ve spent years building your own livelihood and now,…

Six Ways To Financially Prepare For Christmas

It is supposed to be a really special time of year. However, for many, Christmas…

Two café or restaurant owners wearing aprons engaged in a discussion with a financial advisor across a table, with documents and coffee cups in view—depicting a supportive advisory session focused on business growth, budgeting, or financial planning.

10 Top Financial Tips for Small Business Owners

Australian small businesses contribute more than half a trillion dollars to our nation’s economy. ActOn…

All You Need To Know About A Self-Managed Super Fund

Are self-managed super funds worth it? We find out…

Finances In Your 30s. Are You Where You Need To Be?

For many of us, the thirties are typically a very interesting transitional period in life.…

Federal Budget 2025–26: What It Means for Your Finances

The 2025–26 Federal Budget has landed—and while many details were already on the table, Treasurer…

Minimum Pension Requirements Explained: What Every Retiree Needs to Know

Minimum pension requirements in Australia dictate the least amount you must withdraw annually from your…

What to Do With an Inheritance in Australia

Receiving an inheritance can be complicated for many, especially if a significant value is involved.…

How to Manage Debt and Get it Under Control

Research recently released by the Australian Securities and Investment Commission (ASIC) indicates that 47% of…

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Your Complete Guide to Combining Super

If you’ve had various jobs, you probably have various superannuation funds. Whilst a diversified approach…

A middle-aged man sitting on outdoor steps, holding his head in frustration while reviewing papers in an orange folder—illustrating the emotional toll of financial stress and the need for expert financial guidance and support from professionals like ActOn Wealth.

Common Financial Mistakes Doctors Make

(and How to Solve Them) Medical professionals in Australia share common ground when it comes…

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Financial Planning for Self-employed

Financial Advice for Freelancers in Australia Transforming Self-employment into Real Financial Power Working for yourself…

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How to Choose the Right Financial Adviser For You

A financial adviser can be life-changing. Not only can they simplify complex financial decisions and…

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Ways to Grow Savings That Actually Work

There are many reasons to grow your savings—to pay for the kids’ education, purchase a…

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Money Saving Tips and Tricks You’ll Find Easy

If you’re looking for the best way to increase savings, this article is for you.…

New Year Financial Resolutions to Grow Your Wealth

Start the way you want to finish. This adage certainly rings true for financial planning…

Should You Buy a Home or Rent?

Should you rent or buy a property? Well, until we find out more about your…

Financial Planning In Your 50s – How to Build Wealth

Financial Planning In Your 50s

How To Save For a Home Deposit in Your 20s

The great Australian dream has always been to own a home. However, for many Australians,…

Financial Planning For Retirement

Retirement may seem a long way off, but planning for it can never start too…

Managing Your Finances In Your 20’s

So, you’re in your twenties, and you just want to keep living your best life.…

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Financial Planning & Investing in Your 30’s

How One Young Couple Got Ahead Finance in your 30s – one couple’s common scenario…

Retirement Planning In Your 60s

Reaching 66, or specifically 66 years and six months, is a goal to which many…

Why Financial Planning Makes Sense

If you think financial planning is reserved for those on the BRW Rich List, you’re…

Financial Planning for Self-Funded Retirees

How to plan for retirement in your 60s Mark and Linda approached ActOn Wealth, intending…

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What Is a Mortgage Home Loan & How Does It Work?

If you’re embarking on your first property purchase, congratulations! We’ve pulled together this general information…

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The #1 Most Common Financial Mistake You Can Avoid

Over the years, our ActOn Wealth team has helped many clients out of a financial…

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Different Assets Create Different Outcomes

A Will is a key document in your estate plan, but it’s not just a…

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Financial Planning’s Golden Rules Follow These To Grow Your Wealth

The ActOn Wealth team has more than 50 years of collective experience in advising financial…

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How To Grow Your Superannuation

When it comes to the Australian pension, there’s good news, and there’s bad news. The…

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Total & Permanent Disability Insurance & Claims Guide

Although total permanent disability insurance (TPD) can be complex, ActOn Wealth’s financial advisors support clients…

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Business Succession and Estate Planning – Why It Matters For You

If you’re an Australian business owner, you know all about hard work. Some 60% of…

4 Ways We Deliver The Best Financial Services Customer Service

Has a trusted family member, friend, or work colleague recommended you contact ActOn Wealth about…

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What Is a Financial Advisor & Do I Need One?

A financial advisor (also sometimes called a financial planner) in Australia is a qualified professional…

How To Deal With Rising Inflation

Australian interest rates are projected to reach their highest point around the middle of the…

How to begin investing in shares?

If you’re asking yourself how to begin investing in shares, you’re at the beginning of…

Should I Pay Off My Mortgage or Invest?

In Australia we’re conditioned to pay off our mortgage as soon as possible, aren’t we?…

Learning About Cryptocurrency

Cryptocurrency has been a hot topic for some time now. Although we don’t professionally work…

What Really Drives Interest Rates?

The Reserve Bank of Australia (RBA) and the major trading banks may play the most…

Making Clever Use of Offset Accounts

It’s a common misconception that mortgage offset accounts are loan products when in fact they…

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Retire at 65, but Don’t Retire Your Money

Australian retirees are facing a ‘double whammy’ when it comes to funding their retirement. On…

10 Common Financial Mistakes Before Retirement

Many of us would like to think that ‘older’ means ‘wiser’, but when it comes…

Three Top Ways To Make Money Without Working

make money without working

What to Do with an Inherited Gift

When you receive money or a gift from a family member’s or friend’s estate, the…

An Often Forgotten Aspect of Insurance

When most people think about financial planning they tend to focus on the wealth creation…

Investing: How to Reduce Concentration Risk

Concentration risk. No, it’s nothing to do with thinking too hard about something. In fact,…

Translating Finance

Jargon in any industry often confuses and confounds those who do not deal with it…

Who Pays Your Debts When You Pass Away?

It would be nice to think our debts magically disappear upon death however, this is…

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Placing Your Family Wealth in a Trust

The basic function of a trust is to separate control and ownership. The result of…

What Is ‘Socially Responsible’ Investing?

Many investors want to know that their investments are making a positive impact on our…

Renovating? Be Careful Not to Over-Capitalise

Perhaps due to the popularity of do-it-yourself (DIY) television programs, home renovations are big business.…

A Different Way to Help the Grandkids

Many grandparents want to give their grandchildren a head start in life, and a common…

Does the Value of the Aussie Dollar Affect You?

You might think that only importers and exporters pay attention to the value of the…

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Spending Less Than You Earn – Budgeting in a Proactive Manner

Spending less than you earn is considered the most important financial planning principle, however you…

Invest in Your Future with Expert Financial Planning: Unlocking Your Path to Financial Success

Financial planning is a vital component of managing your finances and achieving your long-term financial…

Unleashing Financial Security: Why is Estate Planning Important?

Estate planning is of utmost importance in securing your finances and safeguarding the well-being of…

How To Improve Your Financial Literacy

Many of ActOn Wealth’s first-time clients tell us they do not really understand numbers or…

8 Reasons You Should Already Have Income Protection Insurance

It’s not every day we have eight compelling and very different reasons to suggest doing…

Navigate Tough Times With Your Wealth Wingman

The homebuying landscape has changed drastically in the past year, and even more so within…

All You Need To Know About Investing

Welcome to a broad introduction to investment. This topic can quickly become as complex as…

This High-Growth Investment Strategy Turned $1K Into $775K

A simple ongoing investment strategy can deliver substantial returns over the long term. When measured…

‘Off-The-Plan’ Purchases

I have recently assisted a few clients with ‘off-the-plan’ purchases, and they have each had…

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Private Health & Personal Insurance Cover

Private health cover is an expense that almost 60% of Australians pay each year. Although…

When Is the Right Time to Invest?

One of the most common reasons I hear as to why someone hasn’t invested is that…

The Two Most Important Questions to Ask Yourself When Buying a Home…

With interest rates as low as they are, it may be the right time to…

Home Loan Lenders Mortgage Insurance (LMI)

Clients often ask us about Lenders Mortgage Insurance (LMI) and what it is. The easiest…

The Art of Downsizing

The kids have finally left home and now you’re rattling around in a house way…

If I Was 25 Again I Would…

…buy a pre-loved car. As soon as you drive that shiny new car out of…

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Putting Aged Care Costs into Perspective

A growing number of Australians are encountering the challenges of assisting elderly relatives with the…

Preserved but Not Forgotten

It is important to be aware of exactly when and how you can access your…

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What Is an Annuity?

The term ‘Annuity’ is often mentioned in the financial press, but what actually are annuities…

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To Gift or Not to Gift? What About Your Pension?

With Australia’s age pension being subject to an assets and income test, a simple way…

Fixed? Variable? or Both?

With so much uncertainty surrounding who now has more control over setting mortgage interest rates…

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What Is Your Aged Care Funding Strategy?

We’re an ageing population; the media keeps reminding us, as does the government, but are…

Get the Biggest Bang from Your Renovation Buck

Whether it’s doing up the bathroom or kitchen, or adding an entire new wing to…

Your Health and Wealth During the Covid-19 Pandemic

There isn’t a single person in the world who hasn’t been impacted by COVID-19. As…

Why Save For Retirement in Your Twenties?

Your twenties are all about starting to carve out your own path, finding your feet,…

Don’t Appoint a Financial Planner Before Asking These Questions

Sex, religion and politics. These are traditionally the three topics to avoid discussing unless you’re…

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The Cost of Raising Children – How to Plan For Your Family

We have several parents within our ActOn Wealth team, so we know first-hand what a…

Salary Sacrificing and Salary Packaging

When most people think of salary sacrifice they think of superannuation. It’s pretty easy to…

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Will There Always Be an Age Pension?

With all of the talk about the need to be self-sufficient in retirement it’s not…

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3 Ways to Save for Your Children’s Education

If you are a parent you are fully aware that the cost of private education…

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The Small Business Owner Superannuation Challenge

A client who runs his own dry cleaning business came to see me last week.…