Advice Evolution

Advice Evolution and Fintegrity Monthly News Update

End of financial year tax and super strategies: what you need to know

As the end of the financial year (EOFY) approaches, it’s an important time to assess your tax position and superannuation strategy. With regulatory changes coming into effect from 1 July, this period offers a timely opportunity to put effective plans in place. 

Whether you’re focused on minimising your tax, building retirement savings, or making sure you’re compliant, EOFY is your annual reminder to act—and act smartly.

What’s your “big picture” ?

Even as children, people create this big picture in their minds — a reflection of how they envision their life to be. Whether your big picture is similar to what’s called the Australian Dream (home ownership as the key to a better life) or not depends a lot on your priorities and goals in life.

Retirees working past the age of 70: what to consider

With increasing life expectancy and shifting financial goals, many Australians are choosing to continue working beyond the age of 70. 

Whether for financial security, personal fulfilment, or social engagement, part-time work in retirement can offer numerous benefits. 

Recognising and responding to elder abuse: a community responsibility

Elder abuse is a growing concern in Australia and globally, affecting individuals often aged 55 and over. While many associate abuse with physical harm, it can also be financial, emotional, psychological, or involve neglect. 

The reality is that elder abuse often occurs behind closed doors, frequently at the hands of trusted family members, carers, or acquaintances. 

Keeping busy in retirement: top 10 ideas for the 70+ age group (especially for those who are single or widowed)

Retirement can be a fulfilling and enriching stage of life, even more so when it’s approached with purpose and creativity. For those over 70 who are single, whether by choice, separation, or the loss of a life partner, keeping active, socially engaged, and mentally stimulated becomes even more crucial for emotional well-being and physical health. 

Advice Evolution and Fintegrity Monthly News Update

Welcome to this month's update from Advice Evolution and Fintegrity, where we share the latest insights and developments to keep you informed in today’s evolving landscape.

Navigating a career change with financial confidence

Changing careers is a significant life decision, one that can bring excitement, new opportunities, and challenges. 

Whether you’re pursuing a long-held passion, seeking better work-life balance, or adapting to new life circumstances, the transition can have considerable financial implications. 

Protecting your lifestyle

You work hard to build your lifestyle — and protecting it is just as important as creating it. Ensuring your way of life continues, even in the face of unexpected challenges, is a vital part of financial planning. 

Life is unpredictable. Illness, injury, or other unforeseen events can disrupt your financial stability and threaten the lifestyle you’ve worked hard to achieve. 

Take control of your cashflow with expert financial advice

Imagine feeling completely on top of your finances — knowing your money is working as hard for you as you work for it. 

A well-managed cashflow could be the key to achieving that feeling. Cashflow simply refers to the money coming in and going out of your account at any point in time. It is not a measure of wealth, but rather an indicator of whether you have enough money available to meet your expenses, with some left over.

The move to aged care: navigating a stressful and rushed transition

For many Australian families, the decision to move a parent or loved one into aged care often arrives suddenly—prompted by a health crisis, a fall, or the loss of a spouse. 

It’s a period marked by emotional strain, urgency, and confusion. The shift into residential aged care can feel overwhelming, particularly as it often involves complex decisions about finances, housing, and family dynamics—all under significant time pressure.

Advice Evolution & Fintegrity Newsletter - April

Stay up-to-date with the tips, news and updates from Advice Evolution and Fintegrity’s latest newsletter.

  • Don’t be spooked by sliding super, funds warn members

  • The importance of life insurance: why we need to be educated before it’s too late

  • Saving for the future: building financial security

Click here to read the full newsletter

Considerations with ESG investments – what you need to know

Environmental, social, and governance (ESG) investments are becoming more popular as people become increasingly aware of the need to consider how a company is run when making investment decisions. The goal is to generate financial returns while ensuring a positive social and environmental impact.

However, there are some key challenges that you must consider before making ESG investments, both to protect your return on investment and to ensure you achieve a positive social and environmental impact. In this blog post, we’ll explore these challenges in more detail — keep reading to find out what you need to know before making an ESG investment.

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Missing the bounce? Why market patience matters

Market volatility can be unsettling, especially when investment portfolios take sudden dips due to unpredictable economic or geopolitical events. Yet, history consistently shows that volatility is a natural part of market cycles, and investors who maintain discipline and patience during turbulent times often reap substantial rewards when markets rebound. 

Missing out on these rebounds can significantly diminish long-term potential earnings, effectively locking in losses that might have otherwise recovered.

Read full article: Missing the bounce? Why market patience matters | Advice Evolution

Advice Evolution & Fintegrity Newsletter - March

Stay up-to-date with the tips, news and updates from Advice Evolution and Fintegrity’s latest newsletter.

  • Is a self-managed super fund right for you? Balancing flexibility with responsibility

  • Navigating redundancy: why financial advice is essential and 10 tips for getting help

  • The benefits of insurance coverage for young professionals and why advice is crucial

Read the newsletter here

Advice Evolution and Fintegrity Monthly News Update

Welcome to this month's update from Advice Evolution and Fintegrity, where we share the latest insights and developments to keep you informed in today’s evolving landscape.

Top 10 concerns of retirees and how financial planners can help

Retirement marks the beginning of a new chapter—one filled with opportunities for relaxation, travel, and spending time with loved ones. 

However, it also brings unique challenges and uncertainties that can impact financial security and overall well-being. From managing healthcare costs to ensuring that savings last, retirees face a variety of concerns that require thoughtful planning and professional advice. 

Top 5 reasons people fear consulting a lawyer and why they should reconsider

Seeking legal advice can be a daunting task for many people. 

The idea of consulting a lawyer often stirs up feelings of anxiety and hesitation. Whether it’s due to misconceptions about the legal profession or personal experiences, people tend to avoid legal consultations until absolutely necessary. 

Renting a property to live in: key considerations and questions for your landlord

Renting a property is a significant decision that can impact your lifestyle, financial situation, and overall comfort. 

Whether you’re moving into your first apartment, relocating for work, or downsizing, understanding the rental process and knowing the right questions to ask can help you avoid unexpected surprises. 

Determining the right amount of life insurance coverage: the role of a financial adviser

Life insurance is a crucial financial tool designed to provide financial security to your loved ones in the event of your passing. 

However, determining the right amount of coverage can be challenging, as it depends on various factors such as income, debts, dependents, and future financial goals. 

Why is wellbeing important & what do we need to do to achieve it?

When people come across the term wellbeing, they usually associate it with physical health. However, wellbeing also encompasses other aspects of a person, namely their mental, social and spiritual health.

The reason wellbeing is so important is that it influences one’s outlook on life and a sense of happiness and satisfaction.

Advice Evolution & Fintegrity Newsletter - February

Stay up-to-date with the tips, news and updates from Advice Evolution and Fintegrity’s latest newsletter.

  • Understanding generational segments: lifestyles, financial needs, and technology expectations

  • Top 10 questions to ask your financial adviser and why a close relationship is key through life’s stages

  • The importance of financial advice in living a lifestyle of choice

Check out the newsletter

Advice Evolution & Fintegrity Monthly News Update

Welcome to this month's update from Advice Evolution and Fintegrity, where we share the latest insights and developments to keep you informed in today’s evolving landscape.

Market volatility: why time in the market matters more than timing the market

Market volatility is an inherent part of investing. Prices fluctuate due to economic changes, geopolitical events, and investor sentiment. 

While the unpredictability of the market can cause anxiety, it’s essential to understand that volatility is a natural component of long-term wealth creation. Instead of fearing it, savvy investors embrace it with a calm, disciplined approach, focusing on the principle that time in the market is far more critical than attempting to time the market.

Understanding estate planning and key legal tools: why legal advice is essential

Estate planning is the process of organising and managing your assets during your lifetime and determining how they will be distributed after your death. 

It goes beyond simply writing a will; it involves making key decisions about property ownership, financial management, and medical care in the event of incapacity. 

Aussie-made tax breaks urged to combat forced labour

The rapid shift to renewable energy should not depend on forced labour to dig up and process critical minerals to make batteries, solar panels and wind turbines, an anti-slavery expert says.

Fiona David, creator of the Walk Free Global Slavery Index, is calling for a “bi-partisan approach” on proposed tax breaks to boost Australian-made products as another salvo against human trafficking and modern slavery.

Solar boost could mean good news for renters, regions

Low-income households, renters, and people in regional and rural areas could be among those who benefit most from greater investments in solar energy projects.

Environment and community groups issued their assessments on Tuesday after Energy Minister Chris Bowen revealed he had directed the Australian Renewable Energy Agency (ARENA) to accelerate solar electrification projects.

Bid for better education standards to fix skills crisis

Australia must set new education targets aimed at returning to the 10 top rankings among developed countries for key subjects, or else risk a chronic skills shortage, a peak business group says.

It calls for a lift in standards to reverse the decline in students’ performance and for a careers counsellor to be placed in every school to help meet future demand.

Advice Evolution & Fintegrity Newsletter - January

Stay up-to-date with the tips, news and updates from Advice Evolution and Fintegrity’s latest newsletter.

  • Life insurance offers a sense of relief and security for both policyholders and their beneficiaries

  • Lifetime pensions urged to make super system easier

  • Ethical investing: what types are there plus the pros and cons

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Advice Evolution & Fintegrity Monthly News Update

Discover valuable insights to help you stay informed, prepared, and empower you to navigate challenges, make informed decisions, and stay on track toward your goals.

Deceased estates: navigating a difficult time with compassionate legal support

Losing a family member or loved one is one of life’s most challenging experiences. 

Managing the legal and administrative responsibilities of a deceased estate can feel overwhelming amid the grief and loss. 

Financial New Year Resolutions to make in 2025

The new year is a perfect time to reflect on your achievements from the ending year and to plan for the new year.

While you can also make resolutions for other aspects of life, financial success should be at the top of your list.

6 tips to overcome the deposit barrier

In Australia, the deposit barrier is a significant challenge for many people who wish to buy their own homes. 

Saving up for a deposit can be a daunting task, especially for first-time homebuyers. 

Tax planning strategies for small businesses

Every dollar counts in business, especially for small enterprises. Therefore, you need to find ways to minimise your tax liability in addition to optimising income or profit.

Welfare payments, wage theft laws to change in new year

Major changes are coming to welfare payments and wage theft laws in 2025. Stay informed about the new regulations that will impact Australians this year.

Advice Evolution and Fintegrity Newsletter - December 2024

Welcome to the December 2024 edition of the Advice Evolution and Fintegrity Newsletter. This month, we explore key insights on managing rising business insurance costs, potential tax changes for large superannuation withdrawals, and strategies for effective retirement planning. Stay informed on the latest trends and developments to help secure your financial future.

Read newsletter

Advice Evolution & Fintegrity Monthly News Update

Welcome to this month’s insights. In these articles, we explore tips and advice to help you tackle these important life stages with confidence and clarity. Read on to unlock valuable guidance that can help you move forward.

Navigating small business success: top questions answered with tips

Running a small business requires dedication, resilience, and adaptability. Along the journey, you'll encounter many questions and challenges. To assist, we've addressed five common questions from small business owners and provided actionable tips to help guide you.

Taking a break during the festive season

Numerous countdowns for Christmas and the New Year are everywhere, yet the festive season often arrives unexpectedly. This can lead to feelings of panic and being overwhelmed by the holiday rush. Such emotions can hinder what should be a time for introspection and rest before the new year begins.

Some helpful tips to save money this Christmas

Christmas brings warmth and cheer, but many people are feeling financially strained this year. As the holiday approaches, the need to buy gifts for friends and family is weighed against the current economic climate, leaving many with less money to spend on the gifts they usually give.

Mandatory cybersecurity standards under new laws

New laws in Australia, passed by the Albanese government, will enforce cybersecurity standards for smart devices and require some businesses to report ransom payments. This legislation establishes Australia's first standalone Cyber Security Act.

Investment markets and key developments – Weekly market update 22-11-2024

Despite geopolitical risks, high share valuations, and a declining equity risk premium, positive factors are supporting share markets. These include a "Goldilocks" economic environment, central bank rate cuts, strong earnings growth, and expectations of increased US fiscal spending. US stocks rose 1.7% last week, bringing their year-to-date gain to 25%. Australia's market increased 1.3%, reaching a record high but underperforming the US, with a 10% gain year-to-date. Eurozone and Japanese stocks fell. US 10-year bond yields held steady at 4.4%, while the US dollar rose nearly 7% since the election, pressuring the Australian dollar. Bitcoin is nearing $100K, fueled by expectations of a crypto-friendly US administration.

Advice Evolution Monthly News Update

Welcome to this month’s insights. In these articles, we explore tips and advice to help you tackle these important life stages with confidence and clarity. Read on to unlock valuable guidance that can help you move forward.

A path to independence: guiding adult children to contribute at home
Many parents face the question of when their adult children living at home should start paying board and contributing to household expenses and chores as they transition into adulthood.

The question of when and how much to charge, as well as the balance of responsibilities, is influenced by various factors, including family values, financial stability, and the unique dynamics of each household.

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Unlocking your future: the power of choosing the right subjects for career success
Choosing the right subjects in school or university can significantly shape your future career pathways.

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Navigating the law when dealing with custody dispute
The longstanding myth that fathers have slim chances of securing primary custody is being progressively dismantled.

Read more

Advice Evolution Newsletter - August 2024

Stay up-to-date with the tips, news and updates from Advice Evolution’s latest newsletter.

  • Claiming business expenses - Your guide to claiming business expenses correctly.

  • Crafting a Happy Retirement: Personalised Planning and Essential Tips for a Fulfilling Future.

  • Why Time Is Wealth.

  • The problem with chasing money.

  • Smartly spend your time wealth.

  • Shifting the attention from material wealth to time wealth.


Read full newsletter here.