New Wave Financial Planning

New Wave Financial Planning At New Wave Financial Planning, we specialise in guiding individuals and families toward a secure and fulfilling retirement.

Based on the beautiful Gold Coast, our experienced team is dedicated to crafting personalised financial solutions.

Most Australians have TPD insurance — but very few understand exactly what it covers.TPD (Total and Permanent Disability...
22/05/2026

Most Australians have TPD insurance — but very few understand exactly what it covers.

TPD (Total and Permanent Disability) pays a lump sum if you're permanently unable to work. But whether you can actually claim depends heavily on one thing: the definition in your policy. "Any occupation" and "own occupation" are very different — and since 2014, your super fund can only offer you the harder-to-claim version.

Swipe through to learn how TPD works, what definition you likely have, and how to work out whether your cover is actually enough.

Comment TPD below and we'll reach out to help you understand your current position.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619. ABN 15 645 847 912.

General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

Your Will might be the most important financial document you ever sign — but is it actually protecting your family?A sta...
21/05/2026

Your Will might be the most important financial document you ever sign — but is it actually protecting your family?

A standard Will hands assets directly to beneficiaries. A testamentary trust does something smarter: it holds those assets in a structure that shields them from divorce, bankruptcy, and unnecessary tax — including a major tax advantage for distributions to minor children.

Swipe through to see how it works, who it's designed for, and whether your estate is large enough to benefit.

Comment TRUST below and one of our advisers will be in touch to discuss your estate plan.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619. ABN 15 645 847 912.

General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

Super is incredibly tax-effective — but most Australians stop thinking about tax the moment they step outside it.The str...
20/05/2026

Super is incredibly tax-effective — but most Australians stop thinking about tax the moment they step outside it.

The structure you use to hold investments outside super can mean the difference between keeping 55 cents in every dollar of gains and keeping 77 cents. Same investment. Very different outcome.

Swipe through to understand the CGT discount, franking credits, investment bonds, family trusts, and why ownership structure matters more than most people realise.

Comment TAXSMART below and we'll walk through what structure makes sense for your situation.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619. ABN 15 645 847 912.

General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

Can you grow your wealth and still feel good about where your money is invested?ESG and ethical investing has moved well...
19/05/2026

Can you grow your wealth and still feel good about where your money is invested?

ESG and ethical investing has moved well beyond a niche — it is now a mainstream consideration for Australian investors. But the terminology is confusing, greenwashing is rife, and the performance question still makes many people hesitate.

Swipe through for a plain-English breakdown of what ESG actually means, the three main approaches, what the research says about returns, and how to cut through the greenwashing.

Comment ESG below and one of our advisers will help you review whether your portfolio aligns with your values.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619. ABN 15 645 847 912.

General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

Does your super actually go where you want it to when you're gone?Most Australians don't realise their superannuation si...
18/05/2026

Does your super actually go where you want it to when you're gone?

Most Australians don't realise their superannuation sits completely outside their Will. Without a valid Binding Death Benefit Nomination, the trustee of your fund decides who gets it — and that may not be the person you intended.

Swipe through to understand the three types of nominations, who qualifies as a beneficiary under SIS rules, and the 3-year renewal trap that catches so many families off guard.

Comment BDBN below and one of our advisers will reach out for a complimentary nomination review.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619. ABN 15 645 847 912.

General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

Is a financial planner worth the cost — or can you get the same result yourself?The honest answer is: it depends. DIY wo...
17/05/2026

Is a financial planner worth the cost — or can you get the same result yourself?

The honest answer is: it depends. DIY works well in simple situations. But as income rises, assets accumulate, and life gets complicated, the gap between what you're doing and what's optimal tends to widen — quietly, invisibly, and expensively.

Swipe through for the unbiased breakdown: what DIY does well, where it falls short, what the research says about advised clients, and the clear signs it's time to get professional help.

Comment ADVICE below and we'll have an initial conversation to help you figure out where you stand — no obligation.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619. ABN 15 645 847 912.

General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

Did you know you can start drawing on your super at 60 — without quitting your job?The Transition to Retirement (TTR) st...
16/05/2026

Did you know you can start drawing on your super at 60 — without quitting your job?

The Transition to Retirement (TTR) strategy lets you access super as a tax-free income stream while still working. Used correctly, it can reduce your tax bill, boost your super balance, and let you ease into retirement at your own pace.

For the right person in their early 60s, it's one of the most powerful planning tools available — and one of the most underused.

Swipe through to understand how TTR works, the tax advantages, the drawdown rules, and when it makes the most sense.

Comment RETIRE and we'll send you our free retirement readiness guide.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619.



General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

The default super investment option isn't designed to maximise your retirement. It's designed to suit the average member...
15/05/2026

The default super investment option isn't designed to maximise your retirement. It's designed to suit the average member — and most people never change it.

Over 40 years, a 1% difference in annual returns can be worth hundreds of thousands of dollars. This carousel breaks down every investment option, what's inside each one, and how to know which is right for your age and goals.

Swipe through — then comment INVEST and we'll send you our free guide.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619. ABN 15 645 847 912.

General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

The average Australian has 2.2 super accounts — and most of them are quietly bleeding fees they don't even know about. 💸...
14/05/2026

The average Australian has 2.2 super accounts — and most of them are quietly bleeding fees they don't even know about. 💸

With $16 billion in lost and unclaimed super sitting across Australia, there's a good chance some of it is yours. Consolidating into one fund is one of the simplest moves you can make to protect your retirement savings.

Swipe to learn why multiple funds are costing you, how to find any lost super, and what to watch out for before you consolidate.

Comment CONSOLIDATE and we'll send you our free Super Consolidation Checklist.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619. ABN 15 645 847 912.

General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

Most couples plan their finances together — but they rarely plan their super together. That oversight can cost a family ...
13/05/2026

Most couples plan their finances together — but they rarely plan their super together. That oversight can cost a family tens of thousands of dollars in retirement tax. 👫

Spouse contribution splitting lets you move up to 85% of your concessional contributions into your partner's super each year — evening out balances, maximising tax-free caps, and creating more flexibility in retirement.

Swipe to see exactly how it works and why it's one of the most underused strategies for couples in Australia.

Comment SPLIT and we'll send you our free Couples Super Guide.

This information is general in nature and does not constitute financial advice. Please consider your personal circumstances before acting. Authorised Representative of NWG Financial Services Licence No: 538619. ABN 15 645 847 912.

General information only. Not financial advice. Always seek advice from your licensed financial planner.
Representatives of NWG Financial Services Licence No: 538619

Address

5/2481 Gold Coast Highway
Mermaid Beach, QLD
4218

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 2pm

Telephone

+61755041999

Website

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