Fix My Wealth by Essential Planner

27/04/2026

How will the CGT changes affect you?

https://7news.com.au/news/capital-gains-tax-discount-could-face-biggest-shake-up-since-1999-what-could-it-mean-for-investors-and-home-buyers-c-22185977?fbclid=IwY2xjawRbq29leHRuA2FlbQIxMABicmlkETJuNUpiZVgxaWY2Z3kyTXBBc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHoKU1Dq-qHh4ucnIYHtkphtei8k7yI-wmZvnSOeoi26mPsxgcTUGiE5_sDVD_aem_dDovBmJo1frpm3yX9t5xKA

Find out who stands to gain and who misses out under the proposed changes at budget time.

04/04/2026

14/10/2025

Great news for your superannuation and savings! 💥
Some positive changes have just been announced that could make a real difference for investors and retirees 👇
✅ Super funds over $3 million will now have the 30% tax indexed — meaning many of our clients won’t be overtaxed in the future.
✅ The proposed tax on unrealized capital gains (assets you own but haven’t sold) has been scrapped 🙌
✅ The Low Income Tax Offset has increased to $810, and the eligible income range has expanded to $37,000–$45,000.
These updates provide more fairness, flexibility, and future savings potential for everyday Australians.
If you’d like to understand how these changes impact your retirement strategy or investment plans, we’re here to help.
📞 Get in touch for a complimentary consult to review your financial plan and make the most of these new opportunities.
https://calendly.com/michelle-b-essential-planner/60min?month=2025-10

02/10/2025

🌟 Happy Financial Planning Week! 🌟

On World Financial Planning Day, the team at Essential Planner are here to help assist you with realizing your financial goals. The FAAA’s recently released 4th annual Value of Advice Index report highlights that 97% of clients of financial advisers say that their financial adviser has helped them manage financial risks in their lives. Take the next step in securing your financial future and reach out today.This week is all about recognizing the incredible value of taking control of your financial future. Whether you’re starting out or reassessing your goals, a solid financial plan can help you create security, achieve your dreams, and give you peace of mind—no matter what life throws your way.

Let’s celebrate the power of good advice, smart planning, and the confidence that comes from knowing you’re on the right track. Here’s to making wise decisions today for a brighter tomorrow!



Book your complimentary consult via the link in the comments👇

14/08/2025

Another wonderful referral from a very happy client! 🚓 Brendan is one of the many dedicated police officers we’re proud to serve.

11/08/2025

Our new office mascot 😀🐶

28/05/2025

We love our NSW clients so apologies in advance 😁

28/05/2025

🎉 We’re Feeling the Love! 🌟🌟🌟🌟🌟

We just received a 5-star review on Google, and we couldn't be more grateful! 🙏✨ It's always amazing to hear how we’ve made a positive impact, and your feedback truly means the world to us. 💖

A huge thank you to Mick for sharing such kind words! It’s customers like you that motivate us to keep delivering the best service possible. 😃

If you’ve had a great experience with us, don’t forget to leave your review! Your support helps us grow, and we love hearing from all of you.

If your curious as to how we could help you achieve the same financial & retirement peace Mick now has, book a complimentary consult here: https://calendly.com/michelle-b-essential-planner/60min?month=2025-05

26/05/2025

7 TIPS FOR IMPROVING YOUR INVESTMENT ACUMEN
Improving your investing acumen for a better retired life involves a combination of education, strategy, and discipline. Here are some steps to help you enhance your investment skills:

1. Educate Yourself: Start by learning the basics of investing, including different asset classes like stocks, bonds, mutual funds, and real estate. Books, online courses, and financial news can be valuable resources.
2. Set Clear Goals: Define what you want to achieve with your investments. Consider your retirement timeline, risk tolerance, and financial needs.
3. Diversify Your Portfolio: Spread your investments across various asset classes to reduce risk. Diversification can help protect your portfolio from market volatility.
4. Understand Risk and Return: Learn about the relationship between risk and potential returns. Higher returns often come with higher risks, so it's important to find a balance that suits your comfort level.
5. Stay Informed: Keep up with market trends and economic news. This will help you make informed decisions and adjust your strategy as needed.
6. Consider Professional Advice: If you're unsure about managing your investments, consider consulting a financial advisor. They can provide personalized advice based on your financial situation.
7. Practice Patience and Discipline: Investing is a long-term endeavor. Avoid making impulsive decisions based on short-term market fluctuations.
8. Review and Adjust: Regularly review your investment portfolio to ensure it aligns with your goals. Make adjustments as necessary, especially as you approach retirement.
9. Learn from Experience: Reflect on your investment decisions and learn from both successes and mistakes. This will help you refine your strategy over time.
10. Utilize Technology: Use investment apps and tools to track your portfolio and gain insights into market trends.

By continuously educating yourself and staying disciplined, you can improve your investing acumen and work towards a more secure and comfortable retirement.

Book a free consult to see if receiving personalized financial advice would benefit you here: https://calendly.com/michelle-b-essential-planner/60min?month=2025-05

16/04/2025

Could this have happened if your Superannuation was with a platform account managed by your advisor? NO, it couldn't. All transactions must be authorized by your Advisor giving an extra layer of security. Just another way we ensure our clients Retirement nest eggs are in the best situation possible.

A number of Australian superannuation funds have been hit with suspected cyber attacks, with members of one fund losing $500,000 between them in retirement savings.

Stressed fund members have told ABC News they cannot access their accounts, adding to the anxiety.

AustralianSuper has been hit with 600 attempted cyber attacks in the past month, ABC News understands, with four members losing half a million dollars combined.

AustralianSuper is the nation's biggest retirement fund, with at least 3.5 million members and billions of dollars of their superannuation invested.

Super members unable to log in to accounts
AustralianSuper confirmed on Friday afternoon that members had been struggling to get into their accounts, and that some accounts were showing zero funds.

A number of Australian superannuation funds have been hit with suspected cyber attacks, with members of one fund losing at least $500,000 in retirement savings. Stressed fund members also can't access their accounts, adding to the anxiety.