Thrive Financial Services

25/05/2026

Planning for retirement? Join our free live webinar to learn about:

✅ superannuation and how to access it
✅ income streams
✅ working past Age Pension age
✅ the Work Bonus.

See the link in comments to book 👇

07/05/2026

EOFY is fast approaching, and the weeks leading up to 30 June can be one of the most valuable times of the year to review your financial position.

There may be opportunities to:
✓ Top up super contributions
✓ Review tax planning strategies
✓ Check pension payments and cash flow
✓ Review your investment structure
✓ Prepare confidently for the new financial year

Often, it’s the smaller proactive decisions made now that can create meaningful long-term benefits.

Read our latest article here:

As 30 June approaches, many individuals and business owners start thinking about tax. But the best tax outcomes are usually achieved before the Financial Year ends, not after it. EOFY is the perfect time to review your income, expenses, superannuation, business performance, records and future planni...

15/04/2026

“Should I move my super to cash?”

It’s a question we’re hearing more often when markets feel uncertain.

Our latest article looks at why moving to cash during volatility can feel safe… but often does more harm than good over the long term.

A few key points:

- Super is a long-term investment, not something designed for short-term reactions
- Market drops are a normal part of investing, not something to avoid entirely
- Moving to cash means you need to get two decisions right – when to exit and when to get back in
- Missing even a few of the best recovery days can significantly impact long-term outcomes

Staying invested, with the right asset allocation and strategy in place, is often the more reliable path.

If you’ve been feeling uneasy about markets, this is worth a read 👇
🔗

Ups and downs are a part of life and especially when it comes to your superannuation pool. The past month has seen heightened volatility in financial markets, where much of Australians’ super is invested. Some have seen their funds drop thousands of dollars since the US attacked Iran on February 2...

26/03/2026

Market volatility can feel uncomfortable… but it’s also completely normal.

When markets move up and down, it’s easy to feel like you should be doing something. But often, the most effective strategy is staying focused on what actually matters.

Our latest article looks at how to navigate uncertainty with confidence, including:

- Why volatility is part of long-term investing
- The risks of reacting emotionally
- How a clear plan and diversification can help you stay on track

History shows that markets don’t move in straight lines—but they do reward patience over time.

If you’ve been feeling uneasy about recent market movements, this is worth a read.

👉 Read more here:

Market volatility is a natural and expected part of investing. At various points in time, investors will see their portfolios and superannuation balances rise and fall—sometimes sharply. While these movements can feel unsettling, particularly during periods of economic uncertainty, it’s importan...

25/03/2026

19/02/2026

Tax planning isn’t just a June activity — it’s a year-round strategy!

Waiting until the last minute to think about tax can lead to stress and rushed decisions. But the smartest tax outcomes come from planning well before the 30 June deadline.

Our latest article breaks down why proactive tax planning works best — from keeping better records and understanding timing, to making informed decisions with confidence and less stress.

Whether you’re an individual or business owner, learning to plan ahead can help you avoid surprises and make clearer, calmer financial decisions.

Read more here: https://news.thrivefs.com.au/why-tax-planning-works-best-when-its-not-left-until-june/

Tax tends to become a priority when deadlines are close — but the best tax outcomes are usually supported by decisions made throughout the year. For individuals and business owners alike, proactive tax planning can reduce last-minute stress, improve clarity, and help ensure you’re making informe...

05/02/2026

What does 0.25% rate rise mean for your mortgage?

Even a small increase can add $60-$150+ a month to repayments, depending on your loan size.

The table above shows how quickly costs can add up.

If rates are putting pressure on your budget, it may be worth reviewing your home loan – including whether switching could reduce costs.

Learn what to consider, fees to watch out for and how to compare loans.

Link in the comments.

18/12/2025

🎄 Holiday Closure Notice 🎄

Our office will be taking a break over the Christmas period.

We’ll be closed from midday on Friday, 19 December, and will reopen on Monday, 12 January.

Wishing everyone a safe, relaxing festive season and we look forward to supporting you again in the new year. 🎅🌞

12/12/2025

04/12/2025

Not sure what deeming means? Let us break it down for you!

Deeming assumes your financial assets (such as your savings, managed investments, shares and income streams) earn a set rate of income, no matter what they really earn. It also:

💸 Helps keep Centrelink payments, like Age Pension, steady instead of going up and down based on the performance of your financial assets.

💸 Provides an incentive to invest, as any interest rate achieved above the deeming rates don’t count as income.

💸 Lets you choose the best investments based on your needs, not how they may affect your payment.

You don’t even need to do any of the calculations. Just keep us updated on your financial assets and we’ll do the rest.