Financial Planning Insights
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Property vs Shares: The Long-Term Comparison, Honestly Done
An honest, numbers-based comparison of property and shares as long-term wealth-building assets in Australia. Covers leverage, liquidity, volatility, tax treatment, ongoing costs, and effort required, without declaring a universal winner.
International Shares and Tax: What Australians Need to Know
A practical guide to how Australians are taxed on international shares, covering foreign withholding tax, why franking credits don't apply, capital gains on foreign holdings, foreign exchange gains and losses, and the reporting obligations that catch people out.
Franking Credits Explained: How They Actually Work
A plain-English explanation of how franking credits work in Australia, covering the dividend imputation system, the difference between franked and unfranked dividends, how credits reduce or refund tax depending on your tax bracket, and a worked example showing the actual dollar mechanics.
When to Review Insurance Inside Super (Trigger Events That Matter)
A practical guide to when Australians should actually review the life, TPD, and income protection insurance held inside their super fund. Covers the specific life and career events that should trigger a review, why default cover quietly goes stale, and what typically needs to change at each trigger point.
How Much Life Insurance Do You Actually Need? (A Needs Analysis Guide)
A practical, numbers-led guide to working out how much life insurance you actually need in Australia. Covers the needs analysis method step by step, common over-insurance and under-insurance traps, how existing super cover fits in, and a worked example showing the full calculation.
Digital Assets and Estate Planning: Crypto, Logins, and Online Account
A practical guide to including digital assets in an Australian estate plan, covering cryptocurrency, online banking and investment accounts, digital photos and cloud storage, social media, and subscription services. Explains why a standard Will often fails to account for these assets and what actually needs to happen instead.
Family Provision Claims: What Happens When Someone Contests a Will
A guide to family provision claims in Australia, covering who's eligible to contest a Will, the grounds a claim needs to succeed on, the time limits involved, and what the process actually means for the estate and the people involved.
Financial Advice St Kilda: Planning for a Suburb Built Around Tourists, Locals, and Everyone In Between
A guide to financial advice for St Kilda residents, covering the suburb's short-stay and holiday rental investment market, hospitality and arts-sector income planning, and proximity to WIAA's Melbourne CBD office.
Financial Planner Brunswick Melbourne: Advice for a Suburb Built on Two Very Different Generations
A guide to financial planning for Brunswick residents, covering the suburb's mix of long-established multi-generational homeowners with subdivision potential and younger first-home buyers and renters, plus proximity to WIAA's Melbourne CBD office.
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