Mobius Wealth Management

14/04/2026

One of the most common questions I get from clients in their 40s and 50s. Should you throw extra money at the mortgage or top up super? The answer depends on a few things most people don't think about.

Mortgage vs super. Should you pay off the home loan or top up super? Adelaide financial planner Chris Scriva explains how to decide.

09/04/2026

Asset & Family Protection

No one wants to think about getting sick, injured, or not coming home.

But the people who don't think about it? They're the ones whose families end up in real trouble.

The right cover doesn't cost you much. The wrong cover or no cover can cost everything. Let's make sure you're sorted.

Personal insurance advice from Adelaide financial planner Chris Scriva. Life insurance, TPD, trauma, and income protection. Make sure you're covered.

09/04/2026

Payday hits. Bills go out. Life happens. And somehow you're left wondering where it all went.

Getting your cashflow sorted isn't about spreadsheets and sacrifice — it's about making sure your money is doing something useful
before it disappears.

Sound familiar? Here's how to fix it.

Cashflow management Adelaide. Financial planner Chris Scriva helps you build a system that puts your money where it needs to go, automatically.

09/04/2026

Wealth Creation

Building wealth isn't just about picking the right investment. It's about having a plan that connects your money to the life you actually want.

The boring truth: consistency, tax efficiency, and time beat every hot tip going around. Every. Single. Time.

Want a strategy that makes sense for your situation?

Wealth creation Adelaide advice from financial planner Chris Scriva. Evidence-based strategies for investing, tax efficiency, and long-term growth.

09/04/2026

Retirement Planning

Most people don't retire too early. They just run out of money too soon.

A proper retirement plan isn't a magic number — it's knowing exactly what you need, when you need it, and making sure your money lasts as long as you do.

Curious where you actually stand?

Retirement planning Adelaide. Financial planner Chris Scriva helps you understand your options, test your numbers, and build a plan that works for your life.

27/03/2026

💰 How much super do you actually need to retire?

It's one of the most common questions we hear — and honestly, there's no single right answer. Because the real question isn't about a number. It's about how you want to live your life.

But numbers do matter, so here's a starting point:
According to the ASFA Retirement Standard, a couple aged 65–84 needs around $73,337 per year for a comfortable retirement. For singles, that's about $52,085. To generate that kind of income, ASFA estimates couples need approximately $690,000 in super at age 67 — and that's assuming some eligibility for the Age Pension.

Here's what surprises most people: that figure only gets you to comfortable, not extraordinary. And it doesn't account for:
✅ Your specific lifestyle goals
✅ Longevity (a 65-year-old woman has a 50% chance of living past 88)
✅ Healthcare and aged care costs in later years
✅ The inflation impact on your purchasing power over 20+ years

The Age Pension is a safety net — not a retirement plan.
At Mobius Wealth, we don't just look at your super balance. We start with the question that matters most: "How do you want to spend your time?" That's where proper retirement planning begins.
📖 Read the full article:

https://mobiuswm.com.au/how-much-super-do-i-need-to-retire/

📞 Want to know if you're on track? Let's have a conversation.

This post is general information only and does not constitute financial advice. Please speak with a licensed adviser to discuss your personal circumstances.

22/05/2025

Confused about financial advice in Australia? You’re not alone.
In this article, I break down what financial advice really means, who it's for, and why it could be the missing piece in your money journey. Whether you're planning your future or feeling stuck, let’s make sense of it together.

Read more by clicking the image below.

Discover what clients truly want from financial advice in Australia. Learn how Mobius Wealth Management in Adelaide helps uncover hidden financial needs and deliver values-based planning that puts people first.

08/04/2025

Navigating the complexities of investment markets amidst global tariffs. Stay informed, stay calm, and think long-term.

Investment markets have been quite unpredictable lately due to various factors like changes in the economy, politics, and new technologies. Tariffs, which are taxes on imported goods, have played a significant role in this volatility. They can affect different sectors in various ways, from increasing costs for tech companies like Apple and Nvidia to impacting agricultural exports like U.S. soybeans.

In Australia, companies like BHP Group, Commonwealth Bank of Australia (CBA), CSL Limited, Wesfarmers Limited, and Woodside Energy Group have also been affected by tariffs. For investors, it's crucial to stay calm and avoid panic selling. Think long-term and diversify your portfolio to mitigate risks. Stay informed about trade policies and potential tariff changes to make smart investment decisions. By understanding these effects and adopting strategic approaches, you can navigate the complexities of today's interconnected markets.

Understanding Investment Markets and the Impact of Tariffs

04/04/2025

📉 Tariffs, markets, and your money — what’s really going on?
The U.S. has announced sweeping new tariffs, shaking global markets and investor confidence. But what does it all mean for you?

👉 We've broken it down — what’s happening, how it impacts investments, and what smart investors should do next.



🔍 Read the full article here:

Understanding the 2025 U.S. Tariffs and What They Mean for Investors

13/03/2025

🚗✨ Proud to Support Variety SA & Car 140 "The Bean Machine"! ✨🚗

At Mobius Wealth Management, we believe in giving back to the community and making a real difference. That’s why we’re proud to support Variety – the Children's Charity by backing Car 140 "The Bean Machine" in the SA Variety Bash!

Variety helps kids who are sick, disadvantaged, or living with disabilities, ensuring they get the support they need to thrive. The Variety Bash is a fun-filled, iconic Aussie event that raises crucial funds to change young lives.

💛 A huge shoutout to the team behind Car 140 – your efforts on the road make a lasting impact on so many children and families. We’re thrilled to be part of this journey with you!

📢 If you'd like to learn more or get involved, check out these links:
🔗 Variety SA: https://www.variety.org.au/sa/
🔗 Car 140 "The Bean Machine": https://www.savarietybash.com.au/car140thebeanmachine

Let’s drive change together! 🚀



The Jelly Bean Machine - Car 140 - Variety SA Bash

In 2025 we’re hitting the dirt tracks as our colourful convoy travels through places you’ve never heard of, let alone been to, supporting local communities and kids in need along the way.

28/02/2025

🚀 Thinking about retirement but not quite ready to stop working?

A Transition to Retirement (TTR) strategy could be the key to working less, paying less tax, and growing your super at the same time! 💰✨

Whether you want to reduce your work hours without losing income or boost your super while still working full-time, a TTR strategy can help.

📊 Check out our latest article to see how it works—real-life examples included! 👇

🔗 https://mobiuswm.com.au/transition-to-retirement-how-to-ease-into-retirement-smartly/

Deciding when to retire is one of the biggest financial decisions you’ll make. For many, the challenge lies in ensuring they have enough retirement income to

19/02/2025

INTEREST RATES:

NEWS: The RBA has cut interest rates by 0.25%. But have you felt the impact yet?

Check if your lender is passing on the savings:

(Effective from Feb 28, 2025)
ANZ
Commonwealth Bank
NAB
Macquarie
Bankwest
Suncorp

(Effective from Mar 4, 2025)
Westpac
St George
BankSA
Bank of Melbourne
ING

Mark your calendar and check your banking app to ensure you're getting the reduced rate on your variable loans. Don't miss out on potential savings! 💰📅

Navigating the Recent RBA Interest Rate Cut - February 2025