Pathwise Wealth

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Pathwise Wealth

We help you make confident financial decisions through clear, practical advice. Helping you plan, grow and live with purpose.

From super and investments to planning for retirement, Pathwise Wealth is your trusted partner for every stage of life.

28/05/2026

There are moments in life where financial advice becomes about far more than numbers.

After losing a partner, you can be suddenly faced with paperwork, decisions, superannuation, insurances, and the emotional weight of trying to navigate it all alone.

Sometimes the most valuable thing an adviser can provide is calm, clarity, and someone to help you take the next step when everything feels overwhelming.

Thank you, Catherine, for trusting Peter and the Pathwise team during such a difficult time and for sharing your experience. 🤍

19/05/2026

Many Australians think there's one retirement age, but there are actually three. And if you only know the last one, you could be working years longer than you need to.

We hear it constantly in first meetings; someone comes in convinced they have to grind it out until 67, head down, counting the years. Then we walk them through the actual numbers, and they find out that's not necessarily the case - you can imagine how that conversation goes. 😊

Here's what a real plan can look like: retire at 60, live off your super, and by 67, you may be eligible for a part (or full) Pension to top things up.

That's not luck. That's strategy.

The difference between knowing these three numbers and knowing how they apply to your situation can genuinely be the difference between retiring this decade or the next. Book a call to chat this over with the team: https://www.pathwisewealth.com.au/contact

14/05/2026

The 2026 Federal Budget dropped this week, and the headlines are loud.

CGT changes. Negative gearing restrictions. A new minimum tax on family trusts.

If you own property, have discretionary trust, or have a share portfolio; you may feel like the rug is being pulled.

Here's what we're telling our clients right now:

Don't panic. Don't rush. And don't make big decisions based on a headline.

The most significant changes (trusts and CGT) don't kick in until 2027 and 2028. That window matters. It's the difference between a reactive decision you might regret; and a smart one you made on your terms.

We've put together a plain-English breakdown of what's actually being proposed and what it could mean for you.

Read it here: https://www.pathwisewealth.com.au/blog/federal-budget-2026

And if you want to talk through what it means for your specific situation you can book a call here: https://www.pathwisewealth.com.au/contact

12/05/2026

Property built your wealth. But will it actually pay your bills in retirement?

Many assume their investment property will "sort itself out" in retirement. The rent comes in, life is good. But when you strip out rates, management fees, maintenance, and vacancy periods, the yield can be quietly eroded.

And unlike super or shares, you can't just withdraw a bit when you need it.

You're either holding it or selling it.

Our Senior Financial Planner, Stan Moffat, breaks down why the asset that helped you build wealth might not be the one that serves you best once you stop working.

Worth a read 👇

https://www.pathwisewealth.com.au/blog/investment-property-in-retirement

04/05/2026

Can't afford an investment property anymore? You still have options.

Book a call if you'd like to chat over your unique circumstances. https://www.pathwisewealth.com.au/contact

28/04/2026

Hi, I’m Charlotte, a Client Service Officer here at Pathwise. I love being part of a team that helps clients feel organised, supported, and more confident about their financial future.

If my job had a theme song, it would be Yeah! (By Usher). It’s upbeat, energetic, and captures the positive vibe of our workplace perfectly.

Something about financial planning that keeps me up at night (in the best way) is the price of silver. Markets are always moving, and it’s fascinating to watch how global events can influence something so tangible.

If I had to eat one meal for the rest of my life, it would be lamb ragu. Easy choice. And three things you’ll always find in my fridge are chocolate, milk, and strawberries.

If someone was moving to Toowoomba tomorrow, my hidden gem recommendation would be the secret exhibition at Cobb+Co Museum. A great local spot with a few surprises.

If I had to describe Toowoomba in just three words, I’d say misty, floral, and sweet.

22/04/2026

5 signs you're financially DIY-ing it past the point it's serving you:
✦ You're not sure if your super is actually working hard enough
✦ You don't have a clear number for when work becomes optional
✦ You're guessing at how to fund the kids' education
✦ You're spending, but there's a low-grade guilt about whether it's too much
✦ You know you're probably paying more tax than you need to

None of these is a failure. They're just signs that what got you here won't get you to where you want to go.

At some point, having a proper plan stops being a nice-to-have.

What's on your list?

17/04/2026

Markets aren't predictable, but they are observable.

Most investment approaches begin with a forecast. What will interest rates do? Where is inflation heading? Which sector should outperform?

𝐑𝐞𝐥𝐚𝐭𝐢𝐯𝐞 𝐌𝐨𝐦𝐞𝐧𝐭𝐮𝐦 begins somewhere else entirely.

Rather than predicting economic conditions or interpreting headlines, it focuses on observable price behaviour. Following strength, cutting weakness, and letting evidence guide decisions – replacing reactive judgement with a repeatable, disciplined process.

The strategy does not rely on conviction. It relies on evidence.

Markets will always move. The advantage comes from having a process that moves with them – with discipline, not emotion.

Our latest article breaks down the full logic behind Relative Momentum here: https://www.pathwisewealth.com.au/blog/logic-behind-relative-momentum

09/04/2026

If that sentence just hit a nerve, you're not alone. People in their 40s with high incomes don't have a money problem; they've got a plan problem.

If you haven't mapped out how the income converts to actual progress. It keeps moving, just not in any particular direction.

That's fixable. And it usually doesn't take as long as you think.

Book a call with our team to chat over your unique circumstances. https://www.pathwisewealth.com.au/contact

01/04/2026

A capital gain is not just about what you made, it's about what you keep after tax.

The good news is there are often legitimate ways to reduce CGT:
holding the asset for more than 12 months, using capital losses, timing the sale carefully, and making strategic super contributions.

The key is planning before the transaction happens.

Once it's sold, some of the best opportunities to reduce tax may already be gone. Book in a call to chat over your unique circumstances; https://www.pathwisewealth.com.au/contact

26/03/2026

Many people assume insurance will “just work” when they need it.

But when a serious illness or life event hits, the reality is very different. There are decisions to make and processes to navigate. Not to mention what you're enduring physically and emotionally.

This is where advice matters the most. Not just to get the outcome, but to protect it once it lands.

If you’re not sure what your cover actually means, it’s worth understanding before you ever need to rely on it. Book a call if you'd like to chat it over; https://www.pathwisewealth.com.au/contact

Address

3/111 Campbell Street
Toowoomba, QLD
4350

Telephone

+61413762451

Website

http://pathwisewealth.com.au/

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