Retirement is often painted as a golden era—a time for relaxation, hobbies, and freedom. But what if I told you that the year you retire could be the most dangerous year of your life? It’s a confronting idea, but one backed by research: people are statistically more likely to die the year they retire than their age alone would suggest. Why is this the case, and how can we protect ourselves against it?
Read MoreNo Suits. No Ego. No Judgment.
Welcome to Newcastle Advisors—a boutique family business built on trust, empathy, and a commitment to providing personalised financial advice.
We’re not here to treat you like a number. Instead, we take the time to truly understand your goals, values, and unique situation. Our mission is simple: to educate and empower Australians to make confident, informed financial decisions.
Read More2024 Year In Review
As we bid farewell to 2024, it's time to reflect on a year that brought strong gains across global markets, setting a new tone of optimism for investors. The investment landscape of the past 12 months has been shaped by several key trends, from surging equity markets and improving economic conditions to the continued dominance of technological innovation.
Read MoreIf the government truly wants to improve accessibility to financial advice, they should focus on empowering qualified professionals, not diluting standards.
Read MoreWhat to Do if You Win the $100M Powerball Jackpot Tonight…
Read MoreWhy Your Super Could Be the Key to Owning a Home Sooner.
Rather than allowing early withdrawals of super contributions, an alternative approach could be to permit superannuation funds to provide a loan for a home deposit, designed to offer housing accessibility without diminishing retirement savings. Here's how this could work:
Read MoreBy focusing on Division 296, the superannuation $3m cap, and alternative investment options, financial planners offer expert guidance that allows you not just to comply with legislation but also to maximise your retirement and estate benefits effectively.
Read MoreThe New $3 Million Superannuation Cap and what it means for you.
With the impending changes in superannuation legislation, many Australians with high superannuation balances are facing tough questions about how to navigate Division 296, also known as the “$3 million super cap” or the “$3m super rule.” The Australian government’s new proposal, set to take effect on July 1, 2025, will apply additional tax to balances over $3 million. If you’re concerned about how Division 296 may impact your retirement savings, here’s what you need to know.
Read MoreNavigating the New Superannuation Tax: What High-Balance Holders Should Consider.
With recent changes in superannuation tax policy, many Australians with larger super balances are wondering about their next steps. A federal government proposal set to begin on July 1, 2025, introduces a new tax for those with super balances over $3 million.
Read MoreUnderstanding Division 296 and the New $3 Million Super Cap.
If you've heard about the government’s upcoming tax on super balances above $3 million and are wondering how to react, it’s important not to make any sudden moves.
Read MoreEngaging Families in Philanthropy:
Building a Lasting Legacy Through Strategic and Meaningful Giving
Read MoreAll in all, a strong week for Newcastle Advisors, filled with wins for our clients and our mission to help more Australians understand their financial options and secure their futures.
Read MoreBalancing Philanthropy and Life Insurance in Succession Planning
Australians are known for their generosity, consistently ranking high on the World Giving Index—4th out of 119 countries in 2022. While many people include charitable donations in their wills, a lesser-known option is using life insurance to support charity. If you're considering incorporating philanthropy into your succession planning, here are some ways to use life insurance for charitable giving.
Read MoreWhat Is a Reasonable Fee for Financial Planning in Australia?
financial advice can feel expensive, but when you look at the value it brings in securing your financial future, the cost becomes a worthwhile investment. From growing wealth to protecting assets for loved ones, financial planners offer tailored advice that provides peace of mind. With the right financial advisor, the fees you pay today could mean avoiding costly mistakes and maximizing wealth for the future.
If you're wondering whether financial advice is worth the cost—consider the real-life scenarios above and ask yourself: What price would you put on financial security and the peace of mind that comes with it?
Read MoreWhy Is Financial Advice So Expensive in Australia? Understanding Financial Planning Fees in 2024.
To get the most out of your adviser, actively engage with them. Clearly outline your goals and ensure that you understand what you're paying for. Whether you need a one-off piece of advice or ongoing support, financial planning is an investment in your financial future, with benefits that often far exceed the initial costs.
Read MoreAre Financial Planning Fees Worth It?
Yes—when you consider the expertise, tailored advice, and long-term financial benefits, hiring a financial planner is an investment in your future. While financial planning fees in Australia can vary, the peace of mind, potential cost savings, and improved financial outcomes make it well worth the cost.
Read MoreWhy Is Financial Advice So Expensive in Australia? Understanding Financial Planning Fees in 2024.
While financial planning fees in Australia have risen significantly, the value of professional advice remains high. A financial planner can help you navigate the increasingly complex finance world, ensuring that you’re on track to meet your financial goals. As the industry evolves, it’s likely we’ll see new, more affordable models of advice emerge, but for now, financial advice remains an important investment in your future.
If you’re ready to take control of your financial future, Newcastle Advisors can help. Contact us today to schedule a free initial consultation and learn more about how we can help you achieve your goals.
Read MoreSuperannuation Tips for Young Professionals
“Superannuation doesn’t need to be complicated—let’s strip it back and cut through the noise.”
As a young professional, your superannuation is the most tax-effective investment vehicle you’ll ever encounter. While you can pay up to 47% tax on income in your own name, super caps it at just 15% throughout your working life and 0% on earnings in retirement. That’s a tax advantage you simply can't ignore.
Read MoreHave You Considered These Tax Ideas for Your Family or Business?
Tax planning is a crucial element of financial strategy, yet many families and business owners overlook opportunities to reduce their tax liabilities. The Australian tax system is complex, and navigating it can be daunting without expert advice. With the right tax strategies in place, however, you can maximise savings and make a significant impact on your financial future—whether you're running a business or managing family wealth.
Read MoreWhat Would Happen to Your Family and Business If You Were Gone Tomorrow?
Life is full of uncertainties. While it’s something we prefer not to think about, the reality is that none of us knows what tomorrow may bring. If you were to suddenly pass away, what would happen to your family and business? Would your loved ones be financially secure? Would your business continue to thrive without you at the helm?
Read More
