AIM Retirement Planning

18/05/2026

This is coming up more often lately. I’ve met with a number of clients just over the last few weeks that provide ongoing care for a loved one but haven’t applied for the Carer Allowance. Certainly worth considering if you’re providing regular care.

04/05/2026

If you’ve built your wealth on today’s tax rules, next week’s budget could change the maths 👀

The ABC is reporting the government is lining up changes to capital gains tax, negative gearing, and trusts in the upcoming budget.

For many Aussie families, these rules aren’t loopholes or tax tricks — they’re simply the framework people have planned around for 20–30 years 🏠📈

What’s different this time is how the changes may land. Some assets could be partly grandfathered. Others not. That means when you sell, restructure, or pass assets on could matter just as much as what you own ⏳

This isn’t about rushing or reacting.
It’s about understanding how changing rules can quietly affect long‑term plans — especially when big decisions are involved.

If you’ve ever thought, “We’ll sort that out later”, this budget might be the moment to pause, ask questions, and make sure your strategy still stacks up 🤔

A short conversation now can bring a lot of clarity — even if nothing needs to change. Reach out to better understand your options before the rules change around you.

☎️ 0410 815 973
📧 [email protected]
🌐 www.aimrp.com.au

AIM Retirement Planning Pty Ltd ATF AIM Family Trust (CAR No. 001313453) and Manjinder Aujla (AR No. 001008591) are Authorised Representatives of Spark Advisors Australia Pty Ltd ABN 34 122 486 935 AFSL Number 380552.

The government is still finalising the details of its budget, but several sources say three tax policies that featured in Labor's 2019 election campaign will be revived and rethought.

30/04/2026

If it feels like everything is getting more expensive, that's because it is. With the rate of inflation rising this week, we've tracked how the price of everyday items has increased.

30/04/2026

Over 50 and thinking about retirement? EOFY matters more than ever 👇

The years leading up to retirement are critical. EOFY planning isn’t just about tax — it’s about making sure your super, income, and retirement strategy are working together.

Before 30 June, it’s worth reviewing:
✅ Are you maximising your super contribution opportunities?
✅ Is your super invested appropriately for your retirement timeframe?
✅ Do you understand your retirement income options?
✅ How Centrelink and aged care may impact your future plans

The right decisions now can significantly improve your confidence and choices in retirement.

If retirement is on your radar in the next 5–15 years, an EOFY review can help you understand where you stand — and what steps may be available.

📞 EOFY planning sessions for pre‑retirees now available
📩 Get in touch to start the conversation
☎️ 0410 815 973
📧 [email protected]
🌐 www.aimrp.com.au

AIM Retirement Planning Pty Ltd ATF AIM Family Trust (CAR No. 001313453) and Manjinder Aujla (AR No. 001008591) are Authorised Representatives of Spark Advisors Australia Pty Ltd ABN 34 122 486 935 AFSL Number 380552.

19/03/2026

🌏 Market Volatility: What It Means for Your Super 📉📈

With global tensions rising, it’s no surprise that share markets — and superannuation balances — are experiencing some short‑term bumps. Articles like the one below from ABC News help remind us that while market movements can feel unsettling, they’re also a normal part of long‑term investing.

Here are a few key points to keep in mind during times like these:
✅ Volatility is expected — Markets react to global events, but history shows they also recover over time.
✅ Super is a long‑term investment — Most Australians will be invested for decades, not days. Short‑term noise doesn’t define long‑term outcomes.
✅ Diversified portfolios are designed for times like this — Most super funds spread investments across different asset classes to help smooth the ride.
✅ Stay focused on your goals — Emotional decisions during market dips can lock in losses.
✅ Get professional guidance — Everyone’s situation is unique. Speaking with a qualified financial planner can help you stay on track with confidence.

If you’re unsure how current conditions might affect your retirement strategy, I’m here to help you navigate it with clarity and peace of mind.

☎️ Reach out anytime for personalised advice from an accredited aged care and retirement planning specialist.

☎️ 0410 815 973
📧 [email protected]
🌐 www.aimrp.com.au

AIM Retirement Planning Pty Ltd ATF AIM Family Trust (CAR No. 001313453) and Manjinder Aujla (AR No. 001008591) are Authorised Representatives of Spark Advisors Australia Pty Ltd ABN 34 122 486 935 AFSL Number 380552.

Experts are urging Australians to stay calm and weather the storm as the effects of the war in the Middle East reverberate through financial markets.

03/02/2026

📈 Interest rates rise 0.25% as widely expected. The official cash rate is now 3.85%.

RBA lifts interest rates by 0.25 per cent, to 3.85 per cent, after inflation rose "materially" in second half of 2025.

08/01/2026

25 years, countless conversations, and one lesson that stands out above all.

🎉 Today I celebrate 25 years as a financial planner—a milestone that makes me pause and reflect on the journey.

Over that time, I’ve learned countless lessons—too many to list—but one stands out: ✅ planning early gives you options later.

Financial planning isn’t just about numbers; it’s about life goals, choices, and peace of mind. Over the last quarter of a century, I’ve had the privilege of helping families and individuals not only prepare for retirement but also manage cashflow, build wealth, navigate aged care decisions, and adapt to the personal and financial changes life throws at you. Each conversation has reinforced that simple truth: the earlier you start, the more confident your future becomes.

🙏 I’m deeply grateful for the trust my clients have placed in me, for the colleagues who’ve shared this journey, and for everyone who has helped me—directly or indirectly—along the way. Here’s to continuing to make a difference, one plan at a time

10/12/2025

🏦 No pre-Christmas interest rate relief and the possibility of rate rises in 2026📈

The Reserve Bank of Australia keeps rates on hold in December at 3.6 per cent. Governor Michele Bullock says it would be wrong to think the central bank isn't prepared to raise rates.

19/11/2025

📍 Today I had the pleasure of meeting pre-retirees and retirees at the Senior Expos Australia - North Lakes, to talk about planning for the future. We covered everything from:

✅ Superannuation
✅ Retirement income
✅ Estate planning
✅ Centrelink
✅ Aged care advice

As a Certified Financial Planner® (CFP®) and Accredited Aged Care Specialist registered with the Financial Advice Association Australia - FAAA, I’m passionate about helping Australians make confident, informed decisions about their financial future.

💬 If you or a loved one are approaching retirement or navigating aged care, I’d love to help.

☎️ 0410 815 973
📧 [email protected]
🌐 www.aimrp.com.au

AIM Retirement Planning Pty Ltd ATF AIM Family Trust (CAR No. 001313453) and Manjinder Aujla (AR No. 001008591) are Authorised Representatives of Spark Advisors Australia Pty Ltd ABN 34 122 486 935 AFSL Number 380552.

04/11/2025

A new fee structure for aged care takes effect today. Find out what it will mean for you.