Nicholls Wealth Solutions

23/08/2026

Capital Gains Tax changes from 1 July 2027

Proposed CGT changes from 1 July 2027 could affect Australians who own investments outside super, including shares, ETFs, managed funds and investment properties.

Under the proposed rules:
* Capital growth up to 30 June 2027 would remain under the current CGT rules.
* Growth from 1 July 2027 would be subject to new rules, including inflation-adjusted cost bases.
* A minimum 30% tax rate would apply to eligible capital gains, with exemptions for some means-tested government payment recipients.
* Your family home remains exempt from CGT.

With time before the proposed changes take effect, now is a good opportunity to review your investments, records and retirement plans.

Understanding the transition rules now may help you make informed decisions and plan ahead.

If you’re unsure how the proposed changes could affect you, we can help you understand your options and plan for your circumstances.

📞 Call us on (07) 4151 2710
✉️ Email the team at [email protected]
📍 Or simply drop into our office - 27 Takalvan Street, Bundaberg QLD 4670

27/07/2026

Decades of saving for Retirement can make one thing surprisingly difficult… actually spending your money.

The biggest challenge in Retirement often isn't building your nest egg - it's having the confidence to use it.

A well-structured Retirement plan can help you: -
✔️ Understand how much you can comfortably spend
✔️ Manage investment risk as you transition into retirement
✔️ Make your savings last while enjoying the lifestyle you've worked hard for

Retirement isn't just about having enough money - it's about having the confidence to enjoy it.

If you're approaching retirement and want clarity about your options, we'd be happy to help.

📞 Call us on (07) 4151 2710
✉️ Email the team at [email protected]
📍 Or simply drop into our office - 27 Takalvan Street, Bundaberg QLD 4670

17/05/2026

Tax Time Reminder: Are your Financial Advice Fees tax deductible?

At Nicholls Wealth Solutions, one of the questions we are hearing more often at tax time is whether Financial Advice fees can be claimed as a tax deduction. In some circumstances they can, but it depends on the nature of the advice provided and how the fee relates to your financial position.

The Australian Taxation Office’s determination TD 2024/7 provides guidance on when Financial Advice fees may be deductible and when they may not. Importantly, the answer is not the same for every client or every advice fee.

As a general guide, the summary below outlines where deductibility may apply.

Advice fees may be deductible where they relate to:
• Managing existing income-producing investments
• Tax-related financial advice
• Advice about income protection insurance

Advice fees are generally not deductible where they relate to:
• Initial advice on a new investment or first financial plan
• Advice on investing new money
• Life, TPD or trauma insurance advice
• Personal budgeting advice

As always, deductibility depends on the specific facts, including the type of advice provided, the purpose of the advice, and how the fee has been structured and charged. General information should not be relied on as personal tax advice.

If you would like clarity around how these rules may apply to your circumstances, the Nicholls Wealth Solutions team can help you understand the broader financial planning considerations before you lodge your return.

📞 Call us on (07) 4151 2710
✉️ Email the team at [email protected]
📍 Or simply drop into our office - 27 Takalvan Street, Bundaberg QLD 4670

10/05/2026

✨ Reintroducing Naomi – Practice Principal & Senior Financial Adviser ✨

With over 26 years of experience as a Financial Adviser, Naomi brings a wealth of knowledge, passion, and dedication to helping clients create financial confidence and long-term success.

Naomi began her career in an Accounting firm before transitioning into Corporate banking with one of Australia’s Big Four banks. For almost 10 years, she has proudly been self-employed, focusing on delivering personalised financial advice that truly makes a difference in people’s lives.

A passionate wealth creation specialist, Naomi has helped countless clients take the stress out of managing money, build wealth, prepare for Retirement, and achieve the lifestyle they dream of. Whether clients are just starting out, growing their assets, or planning their Retirement years, Naomi is committed to helping them reach their goals sooner with clarity and confidence.

Naomi has worked in financial services since 1998 and became a Member (AFP®) of the Financial Planning Association of Australia in 1999. She currently serves as the Chapter Chair of the FAAA Wide Bay Chapter and has contributed to the profession through various committee roles over the past 18 years.

Her commitment to quality advice, strong client relationships, and ongoing professional leadership continues to be at the heart of everything she does.

📞 Call us on (07) 4151 2710
✉️ Email the team at [email protected]
📍 Or simply drop into our office - 27 Takalvan Street, Bundaberg QLD 4670

22/03/2026

Retirement isn’t just about stopping work, it’s about starting the lifestyle you’ve been planning for. 🌿🔮💰

Do you know if your current strategy will support the future you want?

We help you:
✔ Understand your Retirement income options
✔ Weigh the pros and cons of each
✔ Build a plan that gives you confidence (not guesswork)

The earlier you plan, the more choices you’ll have.

📞 Call us on (07) 4151 2710
✉️ Email the team at [email protected]
📍 Or simply drop into our office - 27 Takalvan Street, Bundaberg QLD 4670

15/03/2026

At Nicholls Wealth Solutions, we believe strong financial habits start early.

That’s why we’re proud to support Global Money Week 2026 and the important role financial education plays in helping young people build confidence with money. From budgeting and saving to investing and managing debt, these are life skills that can shape a more secure future.

📞 Call us on (07) 4151 2710
✉️ Email the team at [email protected]
📍 Or simply drop into our office - 27 Takalvan Street, Bundaberg QLD 4670

Financial education starts early. From 16–23 March, support and help empower children and young people with the skills to navigate money with confidence.

Strong means knowing how to identify reliable information and trusted advice. Let’s help the next generation build those skills. By participating in our financial literacy campaigns, FAAA members can bridge the gap in financial education and empower young Australians to be financially secure and view their future with confidence.

By getting involved you can give back to your community and directly impact the lives of individuals, helping them better understand topics such as budgeting, saving, investing, and managing debt. For more information and to get involved visit: https://ow.ly/Q4hH50Ytal2

07/03/2026

Happy International Women’s Day! 🌸💜

So many women reach their 50s thinking:
“I’ve missed my chance.”
“I should be further ahead.”
“It’s too late to build real wealth.”

But psychologically, this stage of life can actually be one of the most powerful times to grow financially.

Here’s why:
✨ You’re clearer than ever
You know what matters — and what doesn’t. No more chasing other people’s versions of success. That clarity leads to better money decisions.

✨ You’re less impulsive, more strategic
In your 20s and 30s, money choices are often emotional. In your 50s, they’re intentional. That’s a huge advantage when it comes to investing and planning.

✨ You finally put yourself on the list
After years of prioritising kids, partners, parents and work, many women in their 50s start asking:
“What do I need to feel secure and free?”

✨ You’re motivated by peace, not pressure
You’re not chasing risky wins. You’re building calm, sustainable wealth — and that mindset creates consistency.

Starting later doesn’t mean starting behind.
It means starting wiser, braver, and more focused.

Your 50s aren’t your financial closing chapter.
They’re your power years — if you choose to step into them.

💬 Tell me: What’s one money goal you’re claiming for this decade?

📞 Call us on (07) 4151 2710
✉️ Email the team at [email protected]
📍 Or simply drop into our office - 27 Takalvan Street, Bundaberg QLD 4670

17/02/2026

Absolutely thrilled to be part of the Restore & Rise - Women's Wellness Weekend on the 7th & 8th March 2026.

A two-day women's wellness experience for body, mind & financial confidence from 10 experts!

Day 1 - The Body (Mat Pilates, Strength & Movement, Mobility & Confidence, Nutrition, social support & recovery).

Day 2 - The Mind (Hormones & menopause, Finance & future security, Lymphatic system regulation, Yoga & meditation).

This isn't a fitness event. It's a reset for women who give a lot and need to refill their own cup. If your nervous system is tired but your soul wants more - this is for you!

Meet the Expert at Restore & Rise: Naomi Nicholls.

Noami is a well-respected Financial Adviser with strong ties to her local Bundaberg community. Since 2000, she's been committed to protecting, managing and growing her client's wealth. Building trusting, long-term relationships with her clients and ensuring they have peace of mind in retirement is what she is fiercely passionate about.

Her aim is to provide ethical and personalized holistic advice to her clients, their family and their friends that exceed expectations.

Naomi will talk about what's important to you and what you want to achieve - whether you want to retire early, spend time with the family, pay off your mortgage faster, travel overseas, set up your kids’ education, reduce tax, do some home renovations or simply consolidate your super.

As a Financial Adviser, she can equip you with the skills and knowledge you need each step of the journey to make better financial decisions.

What will you gain from Naomi’s session? 💼✨

Naomi’s session will give you clarity, confidence, and control over your financial future - no jargon, no pressure, just practical guidance for real life.

You will gain:
• a clear understanding of how to structure your finances to support the life you actually want

• insight into retirement planning, superannuation, and long-term security (even if retirement feels far away)

• practical steps to reduce financial stress and make smarter decisions around debt, savings, and investing

• confidence to ask the right questions and advocate for yourself financially

• clarity around common goals such as paying off a mortgage faster, supporting children’s education, travelling, or retiring on your own terms

Naomi’s approach is personal, ethical, and relationship-driven - helping you feel supported, not judged, and informed rather than overwhelmed.

You will leave with:
• a stronger sense of direction
• simple next steps you can take immediately
• and the reassurance that financial wellbeing is a powerful part of overall wellbeing.

Only 7 VIP tickets left | Ticket sales close in 2 WEEKS!! 😱

Book your tickets here: https://www.eventbrite.com.au/e/restore-rise-womens-wellness-weekend-tickets-1979695382180?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=cp&aff=ebdsshcopyurl

04/01/2026

🎄✨ What a day! Annual Client Christmas Party 🎉📸

Early December, I had the pleasure of hosting our Annual Client Christmas Party and each year these events just keep getting bigger and better. It was a fantastic day filled with festive cheer, great conversations, and plenty of laughter. 🎅🤶

This year, we were honoured to welcome Jeff Mitchell, Chief Investment Officer of Infocus Investment Management, who generously shared his insights and perspectives on the current state of the sharemarket.

📸 Take a look at some highlights from the day! Thank you to everyone who joined us and helped make it such a memorable celebration.

A huge shoutout to our incredible team for once again delivering a truly spectacular event. 🙌

21/12/2025

🎄✨ Christmas and New Year closure update from Nicholls Wealth Solutions 🎄✨

The festive season is almost here! As the year wraps up, I wanted to take a moment to say a huge thank-you. Whether you're a client, a partner, or part of the amazing Nicholls Wealth Solutions team, you've played a key role in making 2025 such a successful year. We’re grateful for the people we get to work with and the relationships we continue to build.

Wishing you a joyful, restful holiday season with your loved ones. Here's to an exciting 2026!