Steven McIver - Breakwater Financial Planning

20/06/2026

While saving for retirement can seem somewhat daunting, there are a few simple strategies to use. Here’s how to get started.





Read more…https://breakwaterfp.com.au/developing-a-retirement-savings-plan/ -8275

While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future. Here’s how to get started today, to enjoy an even more rewarding tomorrow. How am I tracking to ...

11/06/2026

EOFY often gets us thinking about money and your super deserves its moment too. You don’t need to do everything but a few small moves now could make a big difference.





Read more…https://breakwaterfp.com.au/eofy-super-moves-worth-thinking-about/ -8281

End of Financial Year (EOFY) is a good time to show your super some love. EOFY often gets us thinking about money and your super deserves its moment too. You don’t need to do everything but a few small moves ...

04/06/2026

While early retirement is the dream of many Australians, on average we expect to retire more than four years after we would like to according to new research from Colonial First State. Here are some practical steps that could help you retire early.





Read more…https://breakwaterfp.com.au/dreaming-of-early-retirement/ -8278

Many Australians today expect to be working well after they would like to retire, new research from Colonial First State shows¹. On average, Australians would like to retire at 62 years of age, according to the study, which tracks how ...

25/05/2026

To protect your mobile device, be cautious when it comes to connecting to public Wi-Fi and charging stations, QR codes and unfamiliar devices. Reduce your risk with these simple habits.





Read more…https://breakwaterfp.com.au/seven-ways-to-protect-your-mobile-phone-from-hackers/ -8245

Our phones contain so much personal information that it’s important to keep them secure. Follow these seven cybersecurity tips to help secure your mobile device from hackers and online fraud. Most of us are used to protecting our home computers ...

16/05/2026

From 1 July 2026, Payday Super changes will require employers to pay super at the same time as wages, rather than quarterly.





Learn more…https://breakwaterfp.com.au/payday-super-changes-what-they-mean-and-how-they-could-boost-super-for-some/ -8242

Payday Super means employers must pay super at the same frequency as they pay wages. The changes are being introduced to improve retirement outcomes and reduce unpaid super. Moving away from quarterly payments means more frequent compounding – and may ...

08/05/2026

We all want to earn high returns but every investment has some degree of risk; and higher returns generally mean higher risk. What level of risk are you comfortable with?





Read more…https://breakwaterfp.com.au/managing-risk/ -8239

We all want to earn high returns but every investment has some degree of risk; and higher returns generally mean higher risk. Think about the level of risk you’re comfortable with. How do you feel about risk? Do you like ...

29/04/2026

With cost of living pressures, everyone could do with some extra cash right now. Follow these simple steps to help reduce money wasted on bills.





Learn more…https://breakwaterfp.com.au/five-simple-steps-to-saving-cash-while-still-having-a-life/ -8226

With cost of living pressures, everyone could do with some extra cash right now. One straightforward option is to stop cash leaving your account in the first place. In other words, check you’re not frittering away your hard earned money by paying ...

25/04/2026

Did you know that you could consider investing the proceeds of the sale of your family home to your super, as a downsizer contribution?





Learn more…https://breakwaterfp.com.au/downsizing-your-home-understanding-the-downsizer-contribution/ -8223

Downsizing the family home is often part of the longer term financial plans for many older Australians. But did you know that you could consider investing the proceeds of the sale of your family home to your super, depending on ...

18/04/2026

Super will soon be paid into your super account within seven business days of your regular pay, making it easier to check and grow your savings.





Read more…https://breakwaterfp.com.au/havent-checked-your-super-balance-make-sure-youre-not-missing-out/ -8229

10/04/2026

Careers pause, shift and evolve especially for women. But even with nonlinear working paths, there are simple steps you can take to keep your super moving forward.





Read more…https://breakwaterfp.com.au/women-in-super-5-smart-super-tips-at-every-stage-of-life/ -8232

Careers pause, shift and evolve – especially for women. But even with nonlinear working paths, there are simple steps you can take to keep your super moving forward. Women’s working lives aren’t always linear. You might step in and out ...