Your Fresh Start Financial Services

21/08/2026

In FAAA Money & Life this week Sangram Rana discusses: Insurance in or out of Super – which structure protects you best?

Where you hold your cover effects cash flow, tax, claim speed and who ultimately receives the money. Many Australians accept default insurance inside super without checking if a hybrid or external strategy would work better... Read more here: https://ow.ly/2giu50ZwQYJ

Smart structuring of insurance can lower your tax burden, expedite claims, and keep more in your pocket. Use the checklist to find your ideal fit and then seek expert advice.

03/08/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles as well as the usual Q & A section.

In this edition: Salary Sacrifice After 1 July 2026: Still Worth Doing? Small Business CGT Concessions: Retiring From Your Business Tax-Effectively. Retirement Villages: What You’re Really Buying. Q&A: Ask a Question.

03/08/2026

🚨SCAM ALERT🚨

Received an email claiming we've scheduled a phone appointment with you? It's a scam.

The email asks you to open an attachment to:

• ‘securely’ access relevant services, or
• reschedule the appointment

If you receive this email:

🛑 Do not respond
🛑 Do not click any links or open any attachments
🛑 Never enter your myGov sign in details or personal information
✅ Forward the email to [email protected]

23/07/2026

Professional development day lunchtime walk. Beautiful oasis right on the middle of Adelaide.

20/07/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles as well as the usual Q & A section.

In this edition: Estate Equalisation: When the Assets Aren’t Equal. The Document That Speaks When You Can’t. The Work Bonus: How a Little Work Changes What You Get. Q&A: Ask a Quest.

20/07/2026

Pre-fill helps BUT it doesn’t catch everything!

By mid to late July, some info is usually already in your tax return. But if anything’s missing, you need to add it yourself.

Think cash jobs, gig income, ride-sharing, renting out part of your home, or crypto.

✅ Check what’s there

✅ Check what’s missing

➕ Add it…

🧾 Then lodge!

08/07/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles as well as the usual Q & A section.

In this edition: When the Inheritance Arrives: Decisions in the First 12 Months. Trauma Cover and the Gap It Was Designed to Fill. Beneficiary Nominations: Who Actually Gets Your Super. Q&A: Ask a Question.

08/07/2026

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22/06/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has a great article The Main Residence Exemption (Captial Gains Tax) as well as the usual Q & A section.

09/06/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles as well as the usual Q & A section.

In this edition: Granny Flat Arrangements: The Rules That Catch People Out. Borrowing After 50: What Actually Changes. The Two-Person Retirement: How Couples Actually Spend Together. Q&A: Ask a Question.