Heading Forward Financial Planning

31/08/2026

For much of our working lives, retirement can feel like a distant destination. Then suddenly, it becomes a very real decision.Do you retire at 60? 65? 67? Keep working part-time? Finish when the mortgage is paid off? Or wait until your superannuation reaches a certain figure?The reality is there is....

24/08/2026

Learn how Australia's negative gearing reforms from 1 July 2027 may affect property investors, including grandfathering rules and new build incentives.

21/08/2026

17/08/2026

Most of us spend our lives making our own decisions. We manage our finances, property, health, family matters and everyday affairs without giving much thought to what might happen if one day we were unable to do so. An accident, serious illness, stroke, dementia or another unexpected event can chang...

10/08/2026

Investing can take many forms, but two of the most common approaches are buying shares directly or investing through a managed fund. Both can provide exposure to investment markets, yet they differ in how they are owned, selected and managed. Understanding these differences can help investors feel m...

03/08/2026

The Australian Government has introduced significant changes to the way capital gains are taxed. While these reforms have generated considerable discussion, it is important to understand that the new rules do not commence until 1 July 2027 and, for many investors, the impact may be less immediate th...

27/07/2026

Retirement is often described as the time to slow down, but it can also be the perfect opportunity to finally master the skills that were pushed aside during a busy working life. Careers, family commitments and everyday responsibilities can leave little time for personal development. Once retirement...

23/07/2026

With tax time 2026 fast approaching, Scamwatch and the Australian Taxation Office (ATO) are reminding Australians to be aware of communications claiming to be from the ATO or ‘myGov’. Scammers make phone calls, send fake emails, texts, or messages, and even create fake websites that look like th...

22/06/2026

Building wealth is rarely the result of one big decision. More often, it is the outcome of small, consistent habits repeated over time. At the heart of those habits is one simple principle: spend less than you earn and make sure your money has a purpose. That may sound obvious, but in day-to-day lif...