Holistic Financial Planning

11/07/2026

Aged care is one of the most important conversations a family can have.
While it’s not always an easy topic to discuss, having these conversations early can help reduce stress, avoid rushed decisions, and ensure everyone understands their loved one's wishes and expectations.
A little planning today can provide greater clarity and peace of mind for the future.

Aged care is one of the most emotional and important topics a family will ever face. It often involves three generations: ageing parents, adult children, siblings, partners, and sometimes grandchildren who are deeply connected to the person needing support. While these conversations can feel uncomfo...

08/07/2026

Love and money go hand in hand. 💙
Whether you're moving in together, getting married, or planning your future, having open conversations about money can help build trust and avoid financial stress down the track. Topics like spending habits, debt, savings goals, and future plans are all worth discussing early.
A strong financial future starts with good communication.

Getting married or moving in together is an exciting step. It is about love, commitment, shared plans and building a life together. But it is also a time when two financial worlds often come together. Different spending habits, savings goals, debts, family expectations and attitudes toward money can...

06/07/2026

📢Payday Super is here

From 1 July 2026, employers are required to pay superannuation contributions at the same time as employee wages, rather than quarterly. This significant change aims to help Australians build their retirement savings sooner and improve transparency around super payments.

📖 Read more about the changes here:
https://news.centrepointalliance.com.au/payday-super-starts-1-july-2026-what-employers-and-employees-need-to-know/

https://news.centrepointalliance.com.au/payday-super-starts-1-july-2026-what-employers-and-employees-need-to-know/

Payday Super is now here, and it changes the way employers manage superannuation payments. From 1 July 2026, employers are required to pay employee superannuation guarantee contributions in line with their regular pay cycle, rather than relying on the long-standing quarterly payment cycle. In practi...

30/06/2026

A new financial year always feels a bit like opening a fresh notebook, with plenty of possibilities and a clean page to work with.

As always, the coffee is flowing and we're looking forward to helping our clients make confident financial decisions and stay on track for what matters most.

Here's to a great year ahead and making FY26 one to be proud of.

16/06/2026

💭 Rethinking Retirement, are you ready?

Retirement is changing and so is how Australians plan for it. While more people feel prepared, many expect they’ll need more savings to retire comfortably.
The right advice can make a big difference, with far more Australians feeling confident when they have a financial adviser.
If retirement’s on your horizon, now’s the time to start planning.

👉 Learn more and explore helpful tools here: https://www.cfs.com.au/retirement/rethinking-retirement

02/05/2026

🏡 Preparing your home for retirement – start 10 years early
Retirement isn’t just about super—it’s about where and how you live.

Your home should support your future lifestyle, comfort, and finances. Planning renovations early—before retirement can save stress, money, and tough decisions later.
A little foresight now can make retirement living a whole lot easier. ✅

Retirement is often imagined as a time of freedom, comfort and enjoying the lifestyle you’ve worked hard to build. But one area that is often overlooked in retirement planning is your home. Where you live—and how well it suits your future needs—can significantly impact both your lifestyle and ...

30/04/2026

⚠️ Beware the ‘urgent’ email at the end of the day

Australian businesses lose over $150 million a year to scams often from attackers hiding inside real email threads.
The danger zone? Late in the workday, when people are rushed, distracted, and ready to log off.
Pause. Check. Then act. One click can be costly.

Australian businesses are losing more than $150 million a year to scammers, with some embedding themselves in sensitive company email chains just waiting for the right moment to strike. The threat can occur close to the end of the working day, when workers are clearing the decks and getting ready to...

26/04/2026

✅ Kick bad habits. Build good ones. Stick with them.
Real change doesn’t happen by accident it happens with a plan.
Habit tracking and simple structure can help you break what’s holding you back and build routines that actually last.
Small steps. Better habits. Long‑term wins. 💪

Effective lifestyle planning is crucial for personal growth and achieving long-term wellness. Whether your goal is to quit a bad habit, build a new positive one, or maintain consistency, developing a structured approach can make a significant difference. Here’s how habit tracking, breaking bad hab...

25/04/2026

🌊 Riding the waves: understanding market volatility

Markets move in cycles ups, downs, uncertainty, then recovery. It’s normal, but volatility can still be unsettling.
When headlines fuel fear, emotions often drive decisions. Investors may check balances more often, second guess choices, or feel tempted to react.
That’s when steady thinking and good advice matters most.

Investment markets have always moved in cycles. Periods of growth and optimism are often followed by downturns, uncertainty, and recovery. While this rise and fall is a natural part of investing, it can still trigger anxiety and concern for many investors—especially during times of heightened vola...