Steven McIver - Breakwater Financial Planning

18/07/2026

Not economically savvy? Not to worry, this short guide will help you learn the basics on the economy and improve your financial know how.





Read more…https://breakwaterfp.com.au/the-economy-learn-the-basics-in-5-minutes/ -8293

Not economically savvy? Not to worry, this short guide will help you learn the basics on the economy and improve your financial know how. What is the ASX? ASX stands for Australian Securities Exchange (not stock exchange like many people ...

11/07/2026

When it comes to financial advice, everyone is different. A range of options are available, from ‘bite-sized’ advice on particular situations to holistic advice that looks at your complete financial situation.





Read more…https://breakwaterfp.com.au/the-value-of-good-financial-advice/ -8296

04/07/2026

Marriage breakdown can be highly traumatic and brings a whole new set of issues when it happens later in life. A little bit of planning could help you take control of your financial future.





Read more…https://breakwaterfp.com.au/taking-control-of-your-finances-post-divorce/ -8290

Marriage breakdown can be highly traumatic and brings a whole new set of issues when it happens later in life. As well as the emotional challenges, there are practical issues to tackle, not least your finances. It’s all the more ...

27/06/2026

Romance scams remain a top source of fraudulent financial loss for Australians. Here are the signs an online relationship may be a scam.





Read more…https://breakwaterfp.com.au/romance-scams-signs-an-online-relationship-could-be-a-scam/ -8284

Romance scammers build emotional trust by seeming attentive and expressing intense feelings but money requests follow, often disguised as financial emergencies, travel costs or investment opportunities. Romance scams a top three source of losses Australians lost almost $140 million to ...

20/06/2026

While saving for retirement can seem somewhat daunting, there are a few simple strategies to use. Here’s how to get started.





Read more…https://breakwaterfp.com.au/developing-a-retirement-savings-plan/ -8275

While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future. Here’s how to get started today, to enjoy an even more rewarding tomorrow. How am I tracking to ...

11/06/2026

EOFY often gets us thinking about money and your super deserves its moment too. You don’t need to do everything but a few small moves now could make a big difference.





Read more…https://breakwaterfp.com.au/eofy-super-moves-worth-thinking-about/ -8281

End of Financial Year (EOFY) is a good time to show your super some love. EOFY often gets us thinking about money and your super deserves its moment too. You don’t need to do everything but a few small moves ...

04/06/2026

While early retirement is the dream of many Australians, on average we expect to retire more than four years after we would like to according to new research from Colonial First State. Here are some practical steps that could help you retire early.





Read more…https://breakwaterfp.com.au/dreaming-of-early-retirement/ -8278

Many Australians today expect to be working well after they would like to retire, new research from Colonial First State shows¹. On average, Australians would like to retire at 62 years of age, according to the study, which tracks how ...

25/05/2026

To protect your mobile device, be cautious when it comes to connecting to public Wi-Fi and charging stations, QR codes and unfamiliar devices. Reduce your risk with these simple habits.





Read more…https://breakwaterfp.com.au/seven-ways-to-protect-your-mobile-phone-from-hackers/ -8245

Our phones contain so much personal information that it’s important to keep them secure. Follow these seven cybersecurity tips to help secure your mobile device from hackers and online fraud. Most of us are used to protecting our home computers ...

16/05/2026

From 1 July 2026, Payday Super changes will require employers to pay super at the same time as wages, rather than quarterly.





Learn more…https://breakwaterfp.com.au/payday-super-changes-what-they-mean-and-how-they-could-boost-super-for-some/ -8242

Payday Super means employers must pay super at the same frequency as they pay wages. The changes are being introduced to improve retirement outcomes and reduce unpaid super. Moving away from quarterly payments means more frequent compounding – and may ...

08/05/2026

We all want to earn high returns but every investment has some degree of risk; and higher returns generally mean higher risk. What level of risk are you comfortable with?





Read more…https://breakwaterfp.com.au/managing-risk/ -8239

We all want to earn high returns but every investment has some degree of risk; and higher returns generally mean higher risk. Think about the level of risk you’re comfortable with. How do you feel about risk? Do you like ...