What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Retire Aware, Suite 106, Level 1, 16 Wurrook Circuit, Caringbah (2026)

03/06/2026

💡 WEALTH & WELLNESS WEDNESDAY

I listened to a podcast recently (yes, I appreciate the irony 😂) that really resonated with me.

The guest suggested that books, podcasts and courses can sometimes become:
👉 "high-quality procrastination".

Not because they're bad.
But because we can mistake learning for progress.

In 1597, Sir Francis Bacon famously wrote:
📖 "Knowledge is Power."

At the time, that was absolutely true.

Knowledge was scarce. Books were rare. Information travelled slowly. If you had access to knowledge, you had a genuine advantage.

Fast forward more than 400 years.

Today, most of us carry more information in our pockets than entire countries possessed in Bacon's lifetime. 📱

But how often do we consume information without actually applying it?
📚 We read another book.
🎧 We listen to another podcast.
📱 We watch another video.
🤖 We ask another AI question...when what we really need to do is take the first step.

Sometimes we mistake consuming information for moving forward.

Retirement planning is a great example.

Many people read articles about superannuation, listen to finance podcasts, watch investing videos and learn about retirement strategies.
Yet never actually put a plan in place.

The difficult part often isn’t knowing what to do.
It's taking the first step.

Because action can feel uncomfortable.

But good decisions compound over time.

📈 And so do delayed decisions.

Perhaps in 2026, a more accurate saying would be:
💡 Knowledge is everywhere. Action is rare.

What's one thing you've been meaning to do for a long time, but haven't started yet?

19/05/2026

Retirement planning is one of those things many of us know we should think about… but it often gets pushed down the list because life is busy and it doesn’t feel urgent yet.

Then suddenly:
📍 retirement is getting closer
📍 the rules seem to keep changing
📍 the headlines feel overwhelming
📍 and you’re not quite sure whether you’re on track

The good news is retirement planning doesn’t have to be scary or complicated.

In my experience, the people who feel the most confident heading into retirement are usually the people who’ve simply taken the time to understand:
✔ where they stand now
✔ what they want life to look like
✔ and what opportunities and risks they should actually be paying attention to

It’s not about having millions of dollars or “perfect” finances.
It’s about having clarity and a plan that makes sense for you.

And while starting earlier is always helpful, it’s also never too late to improve your position.

If retirement is something you’ve been meaning to think about “one day”, this might be a good time to start the conversation.

I offer a free introductory call for people wanting to explore whether retirement advice could help them feel more confident about the years ahead.
https://calendly.com/kylie-eqeus/introductory-meeting

📞 0415 304 516
🌐 retireaware.com.au

12/05/2026

Last night’s Federal Budget feels more impactful than many we’ve seen in recent years.

Most of the headlines have understandably focused on proposed changes to:
🏠 Negative gearing
📈 Capital gains tax
🏛️ Discretionary trusts

But there are also a number of other measures that may affect Australians in different ways over time, including changes relating to:
👵 Aged care
🏡 Support at Home
🔋 Electric Vehicles
💊 Private health insurance & PBS measures
💰 Broader tax settings

For most Australians approaching retirement, the important questions are still:
✔ Do I understand my position?
✔ Is my money structured appropriately?
✔ Am I tax efficient?
✔ Do I have flexibility if rules change?
✔ Am I clear on what retirement actually looks like for me?

One thing worth remembering is that many of these proposals still require legislation and may evolve further before implementation.

Over the coming days, I’ll continue unpacking the details and considering how these changes may affect different client situations and strategies.

For some people, these changes may not alter much at all. For others, they may become a prompt to revisit existing structures, strategies and long-term plans, particularly where investment properties, trusts, retirement income or aged care planning are involved.

And a genuine thank you to the many professionals, technical teams and researchers who were up late last night working through pages and pages of announcements and producing summaries for advisers around the country while the rest of us were sleeping.

📄 For anyone interested, here’s a helpful high-level summary of some of the key measures announced:
https://retireaware.com.au/wp-content/uploads/2026/05/2026-Federal-Budget-Client-Insights_Fortnum.pdf

09/05/2026

Another great lunch at Bx Cronulla yesterday.

A big congratulations to our mighty Team Leader, Maria Micallef on winning the “Services Sole Operator” award at the Australian Small Business Champion Awards 👏.

Such a great achievement and a huge recognition of the work she puts in.

We also had a really interesting presentation from Diane Klem-Goode on enhancing wealth and value through strategic property investing.

It was lovely seeing some familiar faces, meeting some new ones, and finishing the day with a catch-up with Glenn Newbery from Suburbanite Property. A genuinely impressive individual whose knowledge, perspective and values could keep me chatting for hours… which we literally did!

Looking forward to the next one 😀.

27/04/2026

EOFY has a habit of creeping up ⏳

And while it often gets framed as a “tax deadline”…

for most people, it’s really just a good time to step back and take a proper look at things.

Things like:
✔️ Whether you’ve made the most of your super contributions
✔️ If there’s anything you’ve been meaning to do that might affect your tax
✔️ Whether investment decisions have been thought through properly
✔️ Making sure pension payments (if relevant) are on track
✔️ Checking if you’re eligible for anything you may not be aware of

Some of these are quick checks.

Others take a bit more time to put in place.

Either way, leaving it too late can limit your options.

But more importantly, these decisions don’t sit in isolation—
they’re part of a much bigger picture.

For a lot of people, this time of year is simply a prompt to pause…

and look at how everything is set up overall.

If it’s something you’ve been meaning to revisit properly, this can be a good time to step back and look at it in the context of your broader plans.

www.retireaware.com.au

22/04/2026

When people think about financial planning, the focus is often on returns.

Am I invested in the right asset?
Am I getting a good outcome?

Returns do matter, but they’re only part of the picture.

A big part of what I do is helping people get the structure right—how assets or liabilities are held, how debt is set up, how super is used, and how it all works together over time.

That can influence things like tax, how much income is actually available to you, and how flexible things are as life changes.

And importantly, there’s no one “right” way to do it.

Two people can have broadly similar assets and still need completely different approaches. The difference is how those decisions are applied once you take their situation into account.

I’ve shared a few simple examples in a short article if you’re interested.
https://retireaware.com.au/why-the-right-financial-structure-isnt-the-same-for-everyone/

31/03/2026

📓 BOOK REVIEW

Here’s another book review for those interested…

I’ve just finished reading The Let Them Theory by Mel Robbins.

It’s one of those books that’s been everywhere, so I’m probably a bit late to it. I’d also heard mixed feedback, which made me more curious than anything.

And I’ve since realised Mel Robbins was actually in Sydney last week, so clearly I’m not the only one paying attention to it at the moment 👀

Overall, I really enjoyed it.

The concept is simple, but it’s a powerful reminder to move our focus away from trying to manage other people and their thoughts, and back to what we can actually control: our own actions, choices and responses.

It also ties closely to Stoic philosophy, particularly the ideas from Epictetus and Marcus Aurelius.

There was one section on influencing others where I would have liked to see more emphasis on staying open to different viewpoints. I think there’s real value in being willing to have our thinking challenged 💭

Some people criticise the simplicity of the message, but I think that’s exactly why it works. These are the kinds of principles that have helped people navigate incredibly difficult circumstances… think Viktor Frankl.

It also connects strongly to retirement.

There’s a lot of noise around what retirement “should” look like. But it really comes back to your own values and the life you want to live.

Let them have their expectations.
Let you have the courage to follow your own path ✨

25/03/2026

We’ve had a few people ask about electric vehicle leases lately 🚗⚡

There’s a federal incentive behind it, and it’s been taken up much faster than expected.

For some people, it can reduce the cost of running a car — but it’s not one-size-fits-all.

This is a simple breakdown of how it works and what to be aware of.

”

24/03/2026

It’s easy to get caught up in the noise at the moment.

There’s always something going on. Markets reacting, cost of living pressures, global tension, and political commentary overseas moving things more than we might expect.

It doesn’t take much before you start wondering…
“Should I be doing something right now?”

What I see in practice is that it’s not the people reacting to every headline who feel the most confident.

It’s those who already have:
✔️ a clear, long-term plan
✔️ an understanding of how their lifestyle is actually funded (income and spending)
✔️ and a sense of what they would adjust if things changed

That’s what creates confidence. Not everything going perfectly, but knowing where you stand and what you’d do next.

I’ve written something a bit more detailed on this, with some practical ways to think it through if things have been feeling a bit unsettled lately.

https://retireaware.com.au/how-to-stay-financially-calm-when-the-world-feels-uncertain/

18/02/2026

WEALTH & WELLNESS WEDNESDAY

If there’s a gap in my calendar, I usually fill it.
Last week, I couldn’t.
And what happened suprised me!

I had to slow down for a week due to surgery (long story...).

No exercise 🏃‍♀️‍➡️.
No chores 😉.
Minimal work 💻.
Lots of sleep 😴.

But what surprised me was the data (from my trusty Garmin).

Even while I was uncomfortable, and in pain, and my body was working hard recovering from a general anesthetic and surgery...
☑️ My sleep quality improved.
☑️ My stress levels dropped.
☑️ My resting heart rate came down.
☑️ My heart rate variability went up.

And not a little, a lot.
The numbers were undeniable.

I try to do a lot of things right for my health. I exercise most days. I eat well. I prioritise sleep.
I understand the science of recovery. I talk about it...

Looking back, I don’t think I have been overworked. I think I was under-rested.

Rest can feel like falling behind. There’s always something more productive, useful or enjoyable that could fill the space.

Maybe rest needs to go on the to-do list, not as a reward, but as maintenance.

Longevity isn’t built on effort alone. It’s also built on recovery.

Still reflecting on that one 🤔. Let's see what changes for me.

Retire Aware

03/06/2026

19/05/2026

12/05/2026

09/05/2026

27/04/2026

22/04/2026

31/03/2026

25/03/2026

24/03/2026

18/02/2026

Address

Opening Hours

Telephone

Website

Alerts

Contact The Business

Shortcuts

Share

Category

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm