Your Fresh Start Financial Services

12/10/2026

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

In this edition: When mortgage rates were 17 per cent. A letter from your 85-year-old self. The retirement passport. Ask a Question. Key figures 2026-27

28/09/2026

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

In this edition: The Tax Return in Retirement. Helping the Kids into a Home. When the Kids come Home Again. Ask a Question. Key figures 2026-27.

28/09/2026

Ever wondered how your super compares with others your age? 🧐

APRA’s latest data shows average super balances across different age groups.

Remember, these are averages, not targets. Everyone’s circumstances and super journey will look different.

Want to understand where you’re at and explore ways to grow your super?

🔗 Link in the comments to learn more.

15/09/2026

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

In this edition: The Longevity Bonus: Planning for a 100-Year Life. Transition to Retirement: Does It Still Make Sense After 60? Winding Up an SMSF: Knowing When the Fund Has Done Its Job. Five reader questions.

15/09/2026

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

In this edition: Sequence of Returns: The Retirement Risk That Compounds. Splitting Super With Your Spouse. Enduring Guardianship: The Other Document You Need. Reader Q & A.

15/09/2026

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: Superannuation and Relationship Breakdown. The Commonwealth Seniors Health Card: The Concession Self-Funded Retirees Miss. The Super Death Benefits Tax: What Your Adult Children Actually Inherit. Q&A: Ask a Question.

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]

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.