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7Wealth At 7Wealth we understand the best way to save money and time, grow wealth, protect you and your family’s future and make the complex simple for you.

At 7Wealth we understand the best way to save money and time, grow wealth, protect you and your family’s future and make the complex simple for you.


7Wealth Pty Ltd is a Corporate Authorised Representative of Cobalt Advisers Pty Ltd (AFSL 512550).
7Wealth Pty Ltd is a Credit Representative of Australian Finance Group Ltd ABN 11 066 385 822 (AFG) Australian Credit Licence 389087. James Harris is an authorised representative (AR 001004375) of Cobalt Advisers Pty Ltd (AFSL 512550) and is a Tax (Financial) Adviser (TPB 25347582) with the Tax Practitioners Board. This page may contain general advice and does not take into account your objectives, financial situation or needs. You should consider whether the advice is suitable for you and your personal circumstances. Before you make any decision about whether to acquire a certain product, you should obtain and read the relevant product disclosure statement. In the event I am providing personal advice, this will be communicated via a ‘statement of advice’.

27/10/2026

Not every email from ASIC is bad news 😂

This one was actually a great milestone for the 7Wealth team.

Shay and Sam are progressing through their Professional Year as they work towards becoming fully qualified financial advisers.

The Professional Year gives new advisers supervised work and training as they develop the knowledge, experience and judgement required to provide financial advice.

For us, it’s also about developing the next generation of advisers properly.

We’re really proud of how far Shay and Sam have come and we’re looking forward to watching them take the next steps in their careers.

Well done guys 👏

⚠️ General Advice Warning: This information is general in nature and does not take into account your personal circumstances, objectives or needs. Consider whether it is appropriate for you and seek personal financial advice before making any decisions.

26/10/2026

“You’re going to be okay.”

Sometimes, those are the most valuable words we can give someone approaching retirement.

This projection shows clients who are 53 and hoping to retire at 60. It helps turn the questions running through their minds into something they can actually see:

Can we afford to retire?
Will our money last?
Are we doing enough today?

When we explain what their future could look like based on the strategy and assumptions we’ve modelled, you can almost see the weight lift off their shoulders.

Because retirement planning isn’t only about building a bigger super balance.

It’s about replacing uncertainty with clarity and giving people the confidence to enjoy their life today.

If you’re wondering whether you’ll be okay in retirement, let’s start with a plan.

⚠️ General Advice Warning: This information is general in nature and does not take into account your personal circumstances, objectives or needs. Consider whether it is appropriate for you and seek personal financial advice before making any decisions.

21/10/2026

I’m sick of seeing free budget templates.

Seriously, who wants to spend every week recording purchases, updating spreadsheets and checking 20 different categories?

Most people don’t need another budget.
You need a system that directs your money towards what matters before you get the chance to spend it.

We call ours the Instant Payrise.

STEP 1: SET YOUR GOALS
Before moving money around, decide what you want it to achieve. Pay off the mortgage? Build a safety buffer? Travel? Invest? Create financial freedom?

Without a target, money tends to disappear into everyday life.

STEP 2: BUILD YOUR ACCOUNTS AROUND THOSE GOALS
Give your money separate homes with clear jobs: your biggest financial goal, safety, holidays, expenses and lifestyle.

When everything sits together, it’s easy to spend money that was meant for something more important.

STEP 3: PAY YOUR BIGGEST PRIORITY FIRST
Have your income land against your biggest goal first.

Instead of getting paid, spending all month and saving whatever is left, your future gets paid first.

STEP 4: ALLOCATE + AUTOMATE
Your bills and essential costs go into a separate expenses account. Work out what it needs each pay and automate it.

Then allocate only what you’ve decided to your lifestyle account for the fun stuff: eating out, shopping and entertainment. Allocate the required amounts to your other goals too.

The aim isn’t to spend whatever is left. It’s to decide where every dollar goes before it disappears.

You don’t necessarily need another budget.

You need a system.

Want to find your Instant Payrise?

Comment or DM INSTANT PAYRISE and we’ll send you the free tool.

⚠️ General Advice Warning: This information is general in nature and does not take into account your personal circumstances, objectives or needs. Consider whether it is appropriate for you and seek personal financial advice before making any decisions.

20/10/2026

How does your super balance compare to other Australians your age?

It’s something a lot of people are curious about.

According to the latest figures published in the ASFA 2026 Edition, using ATO data as at 30 June 2024, the combined average super account balances for Australians with super, excluding people with a nil balance, are:

Around age 20 (18–24): $9,783
Around age 30 (30–34): $54,009
Around age 40 (40–44): $134,054
Around age 50 (50–54): $238,616
Around age 60 (60–64): $371,379

Interesting?

Absolutely.

But there’s something really important about these numbers.

Average doesn’t mean “on track”.

In fact, averages can be pushed higher by people with very large balances, which is one reason the median balances in the same data are considerably lower at older ages. For example, for ages 60–64 the average is $371,379, while the median is $203,326.

More importantly, your retirement isn’t somebody else’s retirement.

Someone wanting to retire at 60, travel regularly and spend more on experiences may need a very different amount from someone planning to work longer and live more simply.

Your mortgage, other investments, spending, retirement age and the life you actually want all matter.

So if you’re above the average, it doesn’t automatically mean you’re set.

And if you’re below it, don’t automatically assume you’re in trouble.

The better question isn’t:

“How do I compare to everyone else?”

It’s:

“Am I on track for the retirement I actually want?”

Because ultimately, the goal isn’t to beat the average.

It’s to have enough to live the life you want.

Source: ASFA, An update on Superannuation Account Balances: 2026 Edition, based on ATO data as at 30 June 2024.

⚠️ General Advice Warning: This information is general in nature and does not take into account your personal circumstances, objectives or needs. Consider whether it is appropriate for you and seek personal financial advice before making any decisions.

19/10/2026

They thought their superannuation would last only 10 years.

The clients came to us hoping to retire in one year.
They wanted $82,000 per year for their lifestyle, plus $12,000 per year for holidays over the next few years.

So they did the maths in their heads:

Super balance ÷ annual spending = how long our money will last.

Understandably, the answer worried them.

But retirement isn’t simply a matter of withdrawing money until the account reaches zero.

Their calculation didn’t consider that their remaining balance could stay invested and continue generating growth and income. It also didn’t include other potential sources of retirement income, such as the Age Pension.

Once we brought those pieces together and modelled the complete picture, the outlook changed and so did the clients.

You could see the relief.

They didn’t necessarily have a retirement problem.
They had been doing incomplete retirement maths.

If you’re calculating your retirement by dividing your super balance by your annual spending, there may be more to the picture.

⚠️ General Advice Warning: This information is general in nature and does not take into account your personal circumstances, objectives or needs. Consider whether it is appropriate for you and seek personal financial advice before making any decisions.

14/10/2026

The most expensive financial decision isn’t always a bad investment.
Sometimes it’s doing nothing.
Not because doing nothing costs you money today.
Because it costs you options tomorrow.
Every year you delay retirement planning.
Every year you delay reducing debt.
Every year you delay investing.
Every year you delay getting clarity.
You’re reducing future choices.
What’s interesting is most people aren’t making a decision.
They’re waiting to make one.
Waiting until next year.
Waiting until rates fall.
Waiting until life settles down.
The problem?
Life rarely settles down.
The people who make the most progress aren’t necessarily the smartest.
They’re usually the ones who start before they feel ready.
Because clarity comes from action, not waiting.
👇 Comment or DM RETIRE if you’d like access to our free 5-Minute Retire at 60 Snapshot.
⚠️ General Advice Warning: This information is general in nature and does not take into account your personal circumstances, objectives or needs. Consider whether it is appropriate for you and seek personal financial advice before making any decisions.

13/10/2026

One of the biggest retirement mistakes I see?
People obsessing over their super balance.
They tell me:
• I need $1 million.
• I need $2 million.
• I need more.
But here’s the problem.
A super balance is just a number.
What really matters is the lifestyle and income that number can support.
I’ve met people with more money than they’ll ever need who still worry about retirement.
And I’ve met people with less who are completely comfortable.
The difference isn’t usually the balance.
It’s the clarity.
Do you know:
✅ What retirement will actually cost?
✅ How much income you’ll need?
✅ Whether you’re on track?
Because retirement confidence doesn’t come from having a bigger number.
It comes from understanding your number.
Not your super number.
Your lifestyle number.
👇 Comment or DM RETIRE if you’d like access to our free 5-Minute Retire at 60 Snapshot.
⚠️ General Advice Warning: This information is general in nature and does not take into account your personal circumstances, objectives or needs. Consider whether it is appropriate for you and seek personal financial advice before making any decisions.

10/10/2026

1. Your mortgage determines most major decisions.
2. You’d like to work less but can’t.
3. You’d love to travel more but won’t.
4. Retirement feels further away than it should.
5. The mortgage feels heavier than the house feels exciting.

The debt isn’t the problem.
The lack of options is.

09/10/2026

When can you retire?
Most people think it’s an age.
I think it’s a position.

A position where:
✅ Your assets support your lifestyle
✅ Your income supports your spending
✅ Work becomes a choice, not a necessity

That’s why we start with three questions:
WHEN do you want work to become optional?
WHAT does retirement actually look like?
WITH WHAT assets and income will you fund it?
Once you answer those questions, retirement becomes much less about guessing and much more about planning.

retirement isn’t about reaching a number.
It’s about reaching a point where you have a choice.

⚠️ General Advice Warning:
This information is general in nature and does not take into account your personal circumstances, objectives or needs. Consider whether it is appropriate for you and seek personal financial advice before making any decisions.

08/10/2026

1. You don’t know your retirement number.
2. You wonder if you’re on track.
3. You check your super but don’t know what it means.
4. You worry about running out of money.
5. You’re unsure when work can become optional.
6. You haven’t modelled your retirement.
7. You’re hoping rather than knowing.

Retirement confidence doesn’t come from having more money.
It comes from having a plan 💰

Address

5a Hamilton Street
Gisborne, VIC
3437

Opening Hours

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

Telephone

+61344118744

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