Approved Financial Planners

17/06/2026

Over half of Australians die without a valid will. Their life's work gets carved up by a rigid legal formula that ignores every wish they ever had.

Here's what stings: remarriage revokes your existing will unless it was written specifically for that marriage. Own property as joint tenants? Your will can't touch it. Super with a life insurance policy? Outside your will's reach unless you file a Binding Death Benefit Nomination. Courts can rewrite your instructions if they decide you didn't provide enough for dependents... your will is not absolute.

The 'leave them one dollar' trick? Evidence you knew your duty and ignored it. DIY kits with vague wording get challenged and binned. Divorce cancels only the gifts to your ex but leaves gaps where those assets should go. Your legacy lives in a system: super, property title, nominations, and a Power of Attorney for incapacity all sit outside the will but control what happens.

What part of your estate plan are you procrastinating on right now?

27/04/2026

The retirement math everyone runs is completely broken. Financial experts tell you to plan for 30 years, but the average person plans for way less. They assume Medicare covers everything when it doesn't touch dental, vision, or the catastrophic costs of long-term care. They go 'safe' with investments, then inflation quietly shreds their purchasing power over three decades.

Here's the brutal part: these failures multiply each other. Live to 95 while playing it safe? You run out anyway. Skip your employer match because you want cash today? You lose decades of compound growth you can never recover. Your brain is wired for immediate rewards, which makes you terrible at this.

The actual mistake is sleepwalking into retirement with zero integrated plan for how longevity, healthcare, and inflation demolish each other over 30 years. Hope fails against these realities. You need an integrated plan that accounts for all three factors working against you simultaneously.

Which retirement assumption keeps you up at night when you actually run the numbers?

21/11/2025

✨ 𝐓𝐡𝐚𝐧𝐤 𝐘𝐨𝐮 𝐟𝐨𝐫 𝐂𝐞𝐥𝐞𝐛𝐫𝐚𝐭𝐢𝐧𝐠 𝟐𝟎 𝐘𝐞𝐚𝐫𝐬 𝐖𝐢𝐭𝐡 𝐔𝐬!✨

We wanted to extend a heartfelt thank you to everyone who joined us for our 20-year celebration event. It meant so much to mark such an important milestone surrounded by the clients and relationships that have supported us over the years.

The evening was filled with wonderful conversations, lots of laughs, and a great chance to reflect on how far we’ve come. Seeing so many familiar faces reminded us just how fortunate we are to work with such loyal, supportive, and genuinely fantastic clients.

A special congratulations goes to our croquet winners on the night who took home a beautiful hamper — Jeff and Wendy - very well deserved! 🏆👏

It was great to see everyone get involved — a bit of friendly competition always makes an event even more memorable!

Your ongoing trust and partnership have played a huge part in our journey to 20 years in business, and we’re incredibly grateful.

Thank you again for celebrating with us.

Here’s to the next chapter — we’re excited for what’s ahead and look forward to many more years of working together. 🥂

08/07/2025

🔔 𝐑𝐁𝐀 𝐇𝐨𝐥𝐝𝐬 𝐂𝐚𝐬𝐡 𝐑𝐚𝐭𝐞 𝐚𝐭 𝟑.𝟖𝟓% – 𝐉𝐮𝐥𝐲 𝟐𝟎𝟐𝟓 𝐔𝐩𝐝𝐚𝐭𝐞

In a surprise move, the Reserve Bank of Australia has kept the official cash rate on hold at 3.85%, defying expectations of a rate cut.

With inflation showing signs of easing, many had anticipated some relief this month. However, the RBA board voted to wait for more conclusive evidence that inflation is under control before adjusting policy.

20/05/2025

📉 𝐑𝐁𝐀 𝐂𝐮𝐭𝐬 𝐂𝐚𝐬𝐡 𝐑𝐚𝐭𝐞 𝐭𝐨 𝟑.𝟖𝟓%

The Reserve Bank of Australia has announced a 0.25% cut to the official cash rate, bringing it down to 3.85%.

💬 This decision comes as inflation eases to 2.4%, now sitting within the RBA’s target range of 2–3%.

🏡 𝐖𝐡𝐚𝐭 𝐢𝐭 𝐜𝐨𝐮𝐥𝐝 𝐦𝐞𝐚𝐧 𝐟𝐨𝐫 𝐲𝐨𝐮:

• Possible opportunities to reduce your mortgage repayments
• A good time to review your loan structure or explore refinancing
• Potential flow-on effects for the property market

Now is a great time to check if your current setup still suits your needs.

📲 If you’d like to chat about what this means for your finances, feel free to reach out!

16/05/2025

🔍 𝐌𝐲𝐭𝐡 𝐁𝐮𝐬𝐭𝐞𝐫

“𝐈 𝐝𝐨𝐧’𝐭 𝐧𝐞𝐞𝐝 𝐚 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧𝐧𝐞𝐫 𝐮𝐧𝐭𝐢𝐥 𝐈’𝐦 𝐰𝐞𝐚𝐥𝐭𝐡𝐲.” - 𝐅𝐚𝐥𝐬𝐞!

Financial planning isn’t just for the wealthy — it’s for anyone who wants to make the most of what they have, plan for the future, and feel more confident about their money. In fact, getting advice early can be one of the best ways to build wealth over time.

Start smart, not late.

30/04/2025

📆 𝐄𝐎𝐅𝐘 𝐢𝐬 𝐉𝐮𝐬𝐭 𝐀𝐫𝐨𝐮𝐧𝐝 𝐭𝐡𝐞 𝐂𝐨𝐫𝐧𝐞𝐫!

Whether you're an individual looking to tidy up your finances or a business owner closing out the year, now's the time to get organised!

✅ Review your expenses and income
✅ Consider super contributions and potential deductions
✅ Make sure your records are accurate and up to date

A little planning now can set you up for a smoother transition into the new financial year — and help you start July with confidence.

17/04/2025

🐣🌸 𝐖𝐢𝐬𝐡𝐢𝐧𝐠 𝐘𝐨𝐮 𝐚 𝐉𝐨𝐲𝐟𝐮𝐥 𝐄𝐚𝐬𝐭𝐞𝐫! 🌸🐰

From all of us at Approved Financial Planners, we hope this Easter brings you moments of rest, laughter, and quality time with the people who matter most.

Whether you're indulging in a few too many chocolate eggs or simply enjoying the long weekend, we wish you a happy and safe Easter break!

✨ Stay safe, take care, and enjoy the little things.

11/04/2025

📊 Building Wealth Takes Time

There’s no quick fix to growing wealth – but there is a proven path.
✅ Clear goals
✅ Smart investment strategies
✅ Regular check-ins

We work with you to build a plan that grows with you.

14/01/2025

🌟 New Year, New Financial Goals! 🌟

As we step into 2025, it's the perfect time to focus on your financial future. Whether you're planning to grow your wealth, secure your retirement, or achieve new milestones, now is the time to take action.

📊 Let us help you make the most of this year with tailored financial planning solutions designed to align with your goals and aspirations.

Don’t let another year pass by without a clear plan for success.

📞 𝐏𝐡𝐨𝐧𝐞 𝐮𝐬: 𝟎𝟖 𝟔𝟒𝟔𝟐 𝟎𝟖𝟖𝟖
✉️ 𝐄𝐦𝐚𝐢𝐥 𝐮𝐬: 𝐜𝐥𝐢𝐞𝐧𝐭𝐬𝐞𝐫𝐯𝐢𝐜𝐞𝐬@𝐚𝐩𝐩𝐫𝐨𝐯𝐞𝐝𝐟𝐩.𝐜𝐨𝐦.𝐚𝐮

Financial Freedom, A Lifetime In The Making

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