Point B Planning

09/01/2026

Australian superannuation contribution caps set legal limits on before-tax and after-tax contributions, enforced by the ATO and updated over time.

Understand Australia’s superannuation contribution caps for 2025–26, including concessional and non-concessional limits, enforcement, and key thresholds.

01/07/2024

Ready to learn more about how an SMSF can benefit you? Dive into this comprehensive guide and start your journey towards financial freedom today: https://pointbplanning.com.au/the-best-self-managed-super-fund-setup

Don’t forget to check out Point B Planning for personalised financial and tax planning advice. They’re here to help you create a robust financial strategy tailored to your needs. 💼📈

What are you waiting for? Let’s take control of your financial future! 💰

A Self-Managed Superannuation Fund (SMSF) is a specialised retirement savings vehicle that allows individuals to manage their own investments.

29/08/2023

Are you ready to level up your financial game and start working towards a brighter future? Here are some key indicators that your financial status is on the upswing:

1️⃣ Start tracking your expenses: When you know exactly where your money is going, you can make better financial decisions and identify areas where you can cut back.
2️⃣ Read books about finance: Educating yourself about personal finance can help you develop good money habits and make informed decisions about your finances.
3️⃣ Start investing: Investing is a powerful tool for building wealth and achieving your long-term financial goals. Even if you're starting small, every little bit helps.
4️⃣ Have a side hustle: A side hustle can help you earn extra income and diversify your sources of revenue, which can be especially important during uncertain times.
5️⃣ Seek professional advice: A financial adviser or planner can help you create a personalized financial plan and provide guidance on how to achieve your goals.
6️⃣ Reduce Debt: Paying down debt can significantly improve your financial situation by reducing interest payments and freeing up money for other expenses.

By incorporating these habits into your financial routine, you can start to see progress towards your financial goals and build a more secure financial future.

So, what are you waiting for? Let's level up your financial game!💰

24/08/2023

The 2023 Intergenerational Report will reveal today that the spending on the age pension (retirement support) will drop despite an ageing population, with superannuation savings set to double over the next four decades.

The age pension’s cost will drop from 2.3 to 2.0 percent of GDP by the 2060s despite the number of people aged over 65 doubling to nine million and those aged over 85 tripling.

For younger Australians, this means that we will need to work even harder to fund our own retirement and create our own wealth. If you would like to learn more, please refer to our website on how to increase super, minimise tax and generate additional wealth.

Articles to assist with growing your wealth, investing and saving money, written by our Financial Advisors to provide you with advice on planning out what works best for your financial growth.

22/08/2023

We all love watching our savings grow, right? 💸
Whether you're saving for a big goal or just want to be more financially savvy, these tips are here to help you make the most of your hard-earned cash. Let's dive in! 🚀
1. Create a Budget Blueprint: Set clear spending limits for different categories like groceries, entertainment, and shopping. Stick to it and watch those extra dollars pile up!
2. Automate your savings: Set up automatic transfers to your savings account each payday. Out of sight, out of mind – until you see that growing balance!
3. Pack your lunch: Ditch pricey takeout and cook at home. Not only is it healthier, but your wallet will thank you too.
4. Cancel unwanted subscriptions: Are you really watching all those streaming services? Clean up your subscriptions and pocket the extra cash.
5. Shop smart & use coupons: Look for deals, compare prices, and use coupons to score discounts on your favorite items.

www.pointbplanning.com.au

15/08/2023

Insurance may not be the most exciting topic, but it's one that's essential for your financial security. Here's why:

1️⃣Protect your income: Your ability to earn an income is one of your most valuable assets. Income Protection, for example, can replace a portion of your income if you are unable to work due to illness or injury.

2️⃣Peace of mind: Insurance provides a sense of security and peace of mind. Knowing that you're protected against unexpected events can help reduce financial stress and anxiety.

3️⃣Manage risk: Insurance is all about managing risk. By transferring risk to an insurance company, you're protecting yourself against the financial impact of events that are beyond your control.

4️⃣Tax efficiency: Many insurance products offer tax benefits, such as income protection cover when it is paid from your bank account.

With the right insurance in place, you can protect yourself and your loved ones against financial hardship and have peace of mind knowing you're prepared for whatever life throws your way. 🍎
www.pointbplanning.com.au

11/08/2023

Are you feeling lost and unsure about your financial future? 👣

Here at Point B, we have got you covered with our simple 3-step process to kickstart your financial journey!

1️⃣Discovery Call – A quick 10 minute call with our planner to discuss your financial concerns and see how we can assist you.
2️⃣Data Collection - We'll send you some forms to fill out to give our planner a better understanding of your financial situation. This will provide the planner the opportunity to run the numbers and ensure that we can add value.
3️⃣First Meeting - Schedule a meeting with our planner to discuss the issues identified and begin planning for a brighter financial future.

It's that easy! So don't hesitate, send us a message today and take the first step towards financial freedom.

🌐www.pointbplanning.com.au
📞 0422 348 249

10/08/2023

Money might not bring happiness, but it sure brings peace of mind. It's never too early to start planning for your future.💰

04/08/2023

Hey there! 👋 We just wanted to let you know that we've moved to a new office location.

Don't worry, we're still in the same neighbourhood and ready to serve you better than ever before!

Please update your records with our new address, and feel free to stop by and say hello👋
We can't wait to see you in our new space! 🥰

New address:
12 Taylor Street,
Yarravile VIC 3013.

06/04/2023

Happy Easter from Point B Planning! 🐰
Wishing you and your loved ones a joyful Easter filled with love, peace and happiness🥰🌷

Our office will be closed on Good Friday (7th April) and Easter Monday (10th April).

04/04/2023

Financial success requires discipline and consistency.
Keep investing consistently, saving regularly and staying focused on your long-term goals, and you will see the rewards pay off! 💪

30/03/2023

Small steps can lead to big victories! 👣 Take a moment to celebrate your mini-financial wins and watch your progress add up over time! 🏆