Live Well Financial Planning

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Live Well Financial Planning

Financial Planning isn't about how much you earn. It's about you. Your initial chat is complimentary and we look forward to meeting you

Your finances should support how you want to live, and help you make the most of every opportunity that comes your way. Eastern Financial Pty Ltd ABN 58 461 393 808 trading as Live Well Financial Planning is a Corporate Authorised Representative 001243268 of Alliance Wealth Pty Ltd ABN 93 161 647 007 AFSL 449221 www.centrepointalliance.com.au/fsg/aw

27/08/2026

Most people think about super all wrong: boring, government-imposed retirement savings. Yep, not exactly exciting.

But it's actually the foundation of your investment strategy for retiring well, and one of the most tax-effective investment vehicles you'll ever have access to.

So what do voluntary contributions actually give you? Here's what's on the table:

👉 Salary sacrifice: Contributing extra from your pre-tax pay. It's taxed at 15% instead of your normal tax rate (up to 47%).

👉 Catch-up contributions: If you haven't used your full super contribution limit in recent years (and your balance is under $500,000), you can make up for it now and contribute more than the maximum yearly cap, at the lower, more tax-effective rate.

👉 Government co-contribution: If you're a lower-to-middle income earner and make an after-tax contribution, the government may match it, up to $500 for free.

👉 The trade-off: Voluntary contributions are locked away until you reach preservation age. It's a genuine, long-term investment, not a savings account you can dip into.

The right amount depends on your income, your goals, and how soon you need access to your money. Let's work out what makes sense for you.

📆 Book at https://bit.ly/4e2jujM
📲 Call John on 0466 017 624
📧 Email [email protected]
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*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

14/08/2026

School fees. A mortgage. An investment portfolio. Saving for retirement one day. Right now it might feel like each of these is pulling money in a different direction.

But, what if they didn't have to compete?

A good plan doesn't tackle these one at a time - it works out how they fit together, so paying down the mortgage doesn't mean neglecting the kids' education fund, and investing for the future doesn't mean sacrificing life right now.

Let's build a family financial plan that works for where you are now, and where you're headed. Book a chat with our team:

📆 Book at https://bit.ly/4e2jujM
📲 Call John on 0466 017 624
📧 Email [email protected]

31/07/2026

Short answer: it depends on your finances and, what kind of downsizing you mean.

👉 Selling for something smaller can free up cash and lower your costs. However, your home isn't assessed for the Age Pension while you live in it - what's left over can count towards both the assets test and the income test. But if you buy your next home within 12 months, that portion stays exempt.

👉 Retirement living isn't one-size-fits-all. Some options carry a hefty exit fee (25-40% with a classic retirement village), but others, like land lease or strata-titled communities, don't. It's worth knowing which model you're actually looking at.

👉 The pension impact varies more than people expect. A couple releasing $300,000 might see no change to their pension at all, while a single person releasing the same amount could lose part of theirs.

👉 The super upside: If you're eligible, you can contribute up to $300,000 each (up to $600,000 for a couple) from the sale of your home into super, separate from the usual caps.

If you're planning your next move, it's important to know your numbers. Let's chat!

📆 Book at https://bit.ly/4e2jujM
📲 Call John on 0466 017 624
📧 Email [email protected]

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*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

17/07/2026

A new financial year, means new changes when it comes to your money. Here are a few things you should know in July. 👉

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*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision

30/06/2026

If we had a dollar for every time someone asked us ""How much money do I actually need to retire?"", we'd probably be retired ourselves! And you can forget the 'million-dollar retirement myth' - here's what the actual data says.

A few things to note:

🔵 Both figures assume you own your home outright by the time you stop working.

🔵 To fund a Comfortable retirement, ASFA estimates you'll need a super balance of around $630k for singles or $730k for couples at 67 (this accounts for drawing down your balance over time, plus part Age Pension entitlements).

🔵 A ""Comfortable"" standard gives you the money to cover: private health insurance, a reliable vehicle, dining out regularly, interstate travel every year and overseas every seven years and more.

But, everyone's different! And your own 'magic number' will support your own unique goals and lifestyle. A tailored retirement strategy will maximise your super and pension entitlements so you have enough.

We're passionate about people having the finances to enjoy their retirement. If you're ready to start planning, we're ready too.

Book your free, first appointment with our team:

📆 Book at https://bit.ly/4e2jujM
📲 Call John on 0466 017 624
📧 Email [email protected]

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*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

23/06/2026

Division 296 has been debated, revised, and delayed - but as of March 2026, it's officially law. And it starts on 1 July 2026.

So what is it?

🟢 Division 296 is a new tax on super earnings for balances above $3 million. Right now, super earnings are taxed at a flat 15% no matter how much you have.

🟢 Under the new rules, any earnings on the portion of your balance above $3M get taxed at an extra 15% on top - so 30% total. Above $10M, that rate jumps to 40%. The good news is the thresholds are indexed, so they'll rise over time.

Here's what most people aren't thinking about 👉 The $3M threshold sounds like it only affects the ultra-wealthy. But it's really a household conversation, especially for couples.

If one partner passes away and their super is left to the surviving spouse, that balance will be added to their partner's super fund. That alone could push someone over $3M for the first time and into Division 296 territory - without any new money ever being added.

If you or your partner have saved significant super, now's the time to look at how it's structured. The rules have changed. The planning should too.

Book your free, first appointment with our team:

📆 Book at https://bit.ly/4e2jujM
📲 Call John on 0466 017 624
📧 Email [email protected]

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*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

05/06/2026

Well, that went fast! Turns out time really does fly when you're having fun.

Ten years ago, Live Well Financial Planning was founded on the belief that great financial advice gives people the freedom and flexibility to live life on their own terms - not just look good on paper.

And it's still the question we come back to every day.

To everyone who's trusted us over the past decade: thank you. Here's to living well. 🥂

01/06/2026

These clients decided retirement was something they'd make happen - on their terms. They knew what they had, they just didn't know what was possible.

Today, they have a retirement income strategy and something you genuinely can't put a price on: the freedom to choose how they spend their days.

They didn't do anything extraordinary; they just made a decision to get serious about the plan.

Is early retirement closer than you think? Book a chat with us to find out! It might surprise you.

📆 Book at https://bit.ly/4e2jujM
📲 Call John on 0466 017 624
📧 Email [email protected]

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*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

27/05/2026

This is one of the most common FAQs we get as advisers - and the answer is rarely black and white.

Here are a few things to think about:

🟢 The case for super: Concessional contributions are taxed at just 15% - almost certainly less than your marginal rate. That tax saving alone can make super the smarter move.

🟢 The case for your mortgage: Extra repayments give you a guaranteed, risk-free return equal to your interest rate. And unlike super, that money is accessible if you need it.

🟢 The part most people miss: Your family home is exempt from the Age Pension assets test. Your super isn't. For some people, paying down the mortgage actually increases their pension entitlement later.

For most people, it's not either/or - it's finding the right split for your situation.

Book a chat with us about your next steps! We can review your numbers and let you know what's going to work best for you.

📆 Book at https://bit.ly/4e2jujM
📲 Call John on 0466 017 624
📧 Email [email protected]

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*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

14/05/2026

Budgets come and go. But a great financial plan? It outlasts all of them.

While there might have been some big changes in the Federal Budget, your investment plan shouldn't fall apart every time there's a policy change.

Let us help you build an investment plan that lasts - no matter which way the political wind is blowing.

👉 No plan yet? Now's a great time to start. We'll look at your goals, your finances, and make sure you're set up to take advantage of the new changes - not just survive them.

👉 Plan already in place? There's a window right now to make some smart tweaks. Let's use it.

📆 Book at https://bit.ly/3PGRyIO
📲 Call David on 0403 189 798
📧 Email [email protected]

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*This is for general education purposes only and is not intended to constitute specialist or personal advice.

Address

Shop 1, 59 Canterbury Road Canterbury
Melbourne, VIC
3126

Website

https://www.livewellfinancialplanning.com.au/

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