Kristi Badgery - Breakwater Financial Planning

29/04/2026

With cost of living pressures, everyone could do with some extra cash right now. Follow these simple steps to help reduce money wasted on bills.





Learn more…https://breakwaterfp.com.au/five-simple-steps-to-saving-cash-while-still-having-a-life/ -8226

With cost of living pressures, everyone could do with some extra cash right now. One straightforward option is to stop cash leaving your account in the first place. In other words, check you’re not frittering away your hard earned money by paying ...

25/04/2026

Did you know that you could consider investing the proceeds of the sale of your family home to your super, as a downsizer contribution?





Learn more…https://breakwaterfp.com.au/downsizing-your-home-understanding-the-downsizer-contribution/ -8223

Downsizing the family home is often part of the longer term financial plans for many older Australians. But did you know that you could consider investing the proceeds of the sale of your family home to your super, depending on ...

18/04/2026

Super will soon be paid into your super account within seven business days of your regular pay, making it easier to check and grow your savings.





Read more…https://breakwaterfp.com.au/havent-checked-your-super-balance-make-sure-youre-not-missing-out/ -8229

10/04/2026

Careers pause, shift and evolve especially for women. But even with nonlinear working paths, there are simple steps you can take to keep your super moving forward.





Read more…https://breakwaterfp.com.au/women-in-super-5-smart-super-tips-at-every-stage-of-life/ -8232

Careers pause, shift and evolve – especially for women. But even with nonlinear working paths, there are simple steps you can take to keep your super moving forward. Women’s working lives aren’t always linear. You might step in and out ...

30/03/2026

One of life’s greatest challenges is the loss of a loved family member – particularly a long-term spouse or partner. Knowing where to start can be a big help at this difficult time.





Read more…https://breakwaterfp.com.au/losing-a-loved-one/ -8214

One of life’s greatest challenges is the loss of a loved family member – particularly a long-term spouse or partner. Knowing where to start can be a big help at this difficult time. When a loved one passes away The ...

21/03/2026

Looking to retire in 2026? Here are the key areas new retirees should focus on to protect their lifestyle.





Read more…https://breakwaterfp.com.au/retiring-in-2026-four-smart-moves-to-protect-your-lifestyle/ -8217

Over one quarter of a million Australians will start their retirement in 2026. Many more are looking ahead to the time when they can swap their 9 to 5 roles for the freedom of retirement. Getting the planning right will ...

13/03/2026

It’s important to consider the opportunities, risks and rules that come with financial gifts to ensure you avoid any unexpected surprises along the way.





Learn more….https://breakwaterfp.com.au/ten-things-to-know-before-gifting-wealth/ -8220

What if you opted to give a present that could help shape the financial future for yourself or your loved ones? Before you make that transfer or sign over an asset, it’s important to consider the opportunities, risks and rules ...

27/02/2026

Getting on top of your finances is one of the most common new year's resolutions Australians make. But only 12% of us achieve our goal. Here's how to be one of them.





Read more…https://breakwaterfp.com.au/take-control-of-your-finances-in-2026/ -8178

Getting on top of your finances is one of the most common new year’s resolutions Australians make. But only 12% of us achieve our goal. Here’s how to be one of them. More than one in two Australians (52%) plan ...

21/02/2026

We all want to protect the people we love, yet estate planning rarely feels urgent. Once you recognise the patterns that slow you down, it becomes much easier to take simple, confidence building steps.





Read more…https://breakwaterfp.com.au/why-is-estate-planning-so-hard-and-what-you-can-do-to-make-it-easier/ -8181

Estate planning is one of those tasks almost everyone means to get to, yet many only face it during a crisis. Families often describe the same moment. A parent dies, the surviving spouse and children open a cupboard or a ...

13/02/2026

You've spent your entire adult life working and now it’s time to kick back and do more of the things that interest you – retirement is a time for an entirely new lifestyle.





Read more...https://breakwaterfp.com.au/how-to-create-a-retirement-plan/ -8175

You’ve spent your entire adult life working and now it’s time to kick back and do more of the things that interest you – whether perfecting your golf handicap, travelling the world or spending time with the grandkids, retirement is ...

19/12/2025

Retirement can be a golden opportunity to make changes to your lifestyle and routine and boost your wellbeing in the process. Find out more about the benefits of using your extra leisure time to stay active and connected to your community.





Learn more…https://breakwaterfp.com.au/enjoying-your-retirement/ -8163

Retirement can be a golden opportunity to make changes to your lifestyle and routine and boost your wellbeing in the process. Find out more about the benefits of using your extra leisure time to stay active and connected to your ...