By Peter Kelly on 29 July 2026 The Australian Government has introduced significant changes to the way capital gains are taxed. While these reforms have generated considerable discussion,
By Peter Kelly on 20 May 2026 Why Most Retirees Are Neither Self‑Funded nor Fully on the Age Pension When people think about retirement in Australia, it’s often
By Peter Kelly on 8 April 2026 Considering Private Health Insurance It is customary for most private health insurance companies to increase their premiums from 1 April each
By Peter Kelly on 26 November 2025 Retirement isn’t just about finishing work—it’s about starting a new chapter in life. Whether you dream of travelling, spending more time
By Peter Kelly on 9 October 2025 For years, Australians have been told they need $1 million in superannuation to retire comfortably. It’s a figure that’s often repeated
By Peter Kelly on 18 September 2025 Retirement is meant to be a time of freedom, relaxation, and enjoyment after years of hard work. But for many Australians,
By Peter Kelly on 1 September 2025 From 20 September 2025, the Australian Government will increase the deeming rates used to calculate income from financial assets for Centrelink
By Peter Kelly on 18 June 2025 The start of a new financial year is a great time to take control of your money. Whether you’re earning a
By Peter Kelly on 30 April 2025 In times of economic uncertainty, managing your living expenses can be challenging. However, with some careful planning and smart decisions, you
By Peter Kelly on 26 March 2025 The unexpected BudgetThe Government had hoped they would not need to deliver a Budget before the Federal Election, as they expected
By Peter Kelly on 18 September 2024 When planning for retirement, one of the key considerations is ensuring a steady income stream to support your lifestyle. Annuities can
By Peter Kelly on 4 September 2024 Understanding the Difference Between a Home Care Package and the Commonwealth Home Support Programme Navigating the world of aged care services
By Peter Kelly on 21 August 2024 Last week a friend told me about a friend of theirs. John* is 93 years old and has lived alone in
By Peter Kelly on 31 July 2024 Buying a first home is a significant milestone, but with rising property prices, it’s becoming increasingly challenging. Enter the “Bank of
By Peter Kelly on 11 July 2024 In 2022, 130,000 Australians retired. The average age at retirement was 64.8 years[1]. People retire for a variety of reasons including:
By Peter Kelly on 27 June 2024 As we approach the start of the 2025 financial year on July 1, 2024, there are several important considerations for us
Retirement – a phase many of us daydream about. Whether it involves spending more time with family, traveling the world, or volunteering for a cause
Ever since inflation started its upward spiral in 2021, many, if not all Australians, have felt its impact to some degree or another. Just last
Adopting an eco-conscious lifestyle has far-reaching implications for not only reducing your individual carbon emissions but also preserving valuable natural assets and contributing to a
In today’s world, it is crucial to plan for the future and make provisions for unforeseen circumstances. In today’s world, it is crucial to plan
As time is running out to implement superannuation strategies for the 2023 financial year, let’s turn our attention to what will be changing from 1
End of Financial Year can be daunting, but if you have these strategies, surely you will be able to manage End of Financial Year stress
Read more insights as to why some of the well-known banks collapsed recently. Will it have a domino effect? Retire By Design are Financial Advisers
The Australian age pension is not a universal pension scheme. By that, I mean it is not freely available to everybody. To qualify for the
At the time of writing, I have been back at work following the Christmas/New Year break for two whole days. For me at least, it
Over recent weeks the news has been inundated with reports of the cyber-attack and theft of customer personal information from Optus, one of Australia’s key
