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Tanti Financial Services Financial Advice | S.M.S.F | Superannuation | Debt Management | Retirement Planning | Investments | Personal Insurance | Business Insurance

More Australians are investing in the sharemarket without having to pick individual stocks. 📈Australia’s ETF industry ha...
18/10/2026

More Australians are investing in the sharemarket without having to pick individual stocks. 📈

Australia’s ETF industry has hit a record $388 billion.

But before you jump in the deep end, speak with one of our financial advisers to find out whether ETFs are right for your financial goals.

Most of us plan around our income continuing.But what happens if an injury, illness or unexpected event means you can't ...
16/10/2026

Most of us plan around our income continuing.

But what happens if an injury, illness or unexpected event means you can't work for an extended period?

It's worth knowing:
🔹 How long your savings would last
🔹 What income protection you have
🔹 Which expenses would still need to be paid
🔹 Whether your family could manage without your usual income

You don't need to expect something to go wrong to have a plan for it.

Your insurance bill went up. Now what?Insurance premiums have been rising, but a higher renewal price doesn't necessaril...
12/10/2026

Your insurance bill went up. Now what?

Insurance premiums have been rising, but a higher renewal price doesn't necessarily mean you have to accept it.

Before you renew, it can be worth checking:

• Has your cover changed?

• Are you still adequately covered?

• Is your excess right for your situation?

• Are there better options available?

Sometimes the right move is to adjust your cover. Sometimes it’s to shop around. And sometimes, the higher premium is simply the cost of maintaining the cover you need.

The important thing is to understand what you're paying for before you renew.

If your insurance renewal has caught you off guard, we're happy to help you work through your options.

Could your home be rebuilt for the amount you’re insured for?Your home’s market value and its rebuild cost aren’t the sa...
08/10/2026

Could your home be rebuilt for the amount you’re insured for?

Your home’s market value and its rebuild cost aren’t the same thing.

Building materials, labour, demolition and compliance costs can all affect what it would actually cost to rebuild after a major loss.

If your home and contents policy hasn’t been reviewed for a while, your sum insured may no longer reflect the real cost of replacing what you have.

A policy review could be worth more than you think.

Your avocado toast isn’t ruining your finances.A coffee here. Brunch there. A few subscriptions you forgot about.These t...
05/10/2026

Your avocado toast isn’t ruining your finances.

A coffee here. Brunch there. A few subscriptions you forgot about.

These things can add up, but cutting every small pleasure isn’t a financial plan.

Good financial planning looks at the bigger picture:

→ What you earn

→ What you spend

→ What you owe

→ What you’re working towards

→ What you could be doing with the money in between

It’s less about giving up your avocado toast, and more about knowing what you can comfortably afford.

Retiring at 60 vs 65. What actually changes?Five years can make a big difference to your retirement plan.Retire at 60 an...
03/10/2026

Retiring at 60 vs 65. What actually changes?

Five years can make a big difference to your retirement plan.

Retire at 60 and you may have another seven years to fund before reaching Age Pension age.

Work until 65 and you have another five years for your super and other investments to potentially grow before you start drawing on them.

And then there’s the question of when you can access your super, how much income you’ll need, and what your retirement might actually look like.

There’s no single right age to retire. It depends on your finances, your plans and what you want those years to look like.

If retirement is getting closer, it’s worth understanding the numbers before you decide on the date.

Financial freedom isn't about having more money. It's about having more choice.The freedom to retire on your terms, take...
30/09/2026

Financial freedom isn't about having more money. It's about having more choice.

The freedom to retire on your terms, take opportunities when they arise, support your family, or simply enjoy greater peace of mind.

Financial freedom is built through consistent planning, smart financial decisions and advice.

Put simply, equity is how much of your home you actually own.If your home is worth $500,000 and you have $400,000 left o...
25/09/2026

Put simply, equity is how much of your home you actually own.

If your home is worth $500,000 and you have $400,000 left on your mortgage, you have $100,000 in equity.

The less you owe compared to what your home is worth, the more equity you have.

Why does it matter? Your equity can affect your ability to refinance, borrow, or make your next move financially.

If you’re not sure how much equity you have, it’s worth taking a closer look at your current position.

Interest rates change. Household expenses change. The economy changes.And when they do, your financial plan may need to ...
21/09/2026

Interest rates change. Household expenses change. The economy changes.

And when they do, your financial plan may need to change with them.

Regularly reviewing your finances can help you understand where you stand, what’s changed and whether your current strategy still makes sense for your goals.

Because good financial planning isn’t something you set and forget. It should evolve with you.

Mortgage demand is fallingCBA reported that home loan applications had fallen 15% since the May 2026 Federal Budget, whi...
18/09/2026

Mortgage demand is falling

CBA reported that home loan applications had fallen 15% since the May 2026 Federal Budget, while investor loan applications were down 28%. ANZ has also reported weaker home loan application activity.

This can indicate that fewer people are actively seeking finance, which may reflect affordability pressures, uncertainty around interest rates, or changing expectations about the property market.

Importantly, falling mortgage demand doesn't necessarily mean property prices will fall. It is one indicator of housing market activity, alongside prices, listings, auction clearance rates, construction and lending conditions.

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3/101 Great Western Highway
Emu Plains, NSW
2750

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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