Steven McIver - Breakwater Financial Planning

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 ...

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 ...