Wealthlab Australia

Full Podcast Here: youtu.be/ENMYQEDUWYc Some lenders are reportedly reassessing how negative gearing is treated in servicing calculations. That could affect borrowing capacity and some pre-approvals for investment property lending. Worth reviewing finance assumptions before committing. General information only.

Property investing just got more complicated. Changes to negative gearing and capital gains tax could materially change the numbers, especially for highly leveraged investors. Tax should never be the only reason you invest. General advice only. #Podcast

Retirement planning starts with a simple question: “How much do you actually want to spend?” Essentials. Lifestyle. Debt. Travel goals. Estate wishes. It’s not just about your super balance, it’s about the life you want to fund. Watch the Full Podcast here: youtu.be/XbVEeO1cKNE General information only.

Apparently beef prices are now part of retirement planning 🥩 Rising grocery and living costs are one reason retirement benchmarks have increased recently. Even everyday expenses can influence long-term retirement assumptions. Watch the Full Podcast here: youtu.be/XbVEeO1cKNE General information only.

“You need $730k to retire.” But what assumptions sit behind that figure? In our latest episode, we discuss: • ASFA retirement benchmarks • why retirement isn’t one-size-fits-all • why personal circumstances matter more than headlines Watch the Full Podcast here: youtu.be/XbVEeO1cKNE #RetirementPlanning #Superannuation #AustralianFinance #WealthLab #FinancePodcast General information only. Consider your circumstances before acting.

“$730k for retirement” sounds precise but it’s built on assumptions. Owning your home, retiring debt-free, fixed spending, and living to a set age can materially change the outcome. Your retirement number should reflect your own goals and lifestyle. General advice only #podcast

“$730k for retirement” is a benchmark, not a personalised target. It assumes things like: • Home ownership • Certain spending levels • Age Pension support Retirement planning is more personal than a single number. General information only.

In Australia, the term “independent” has a specific legal meaning under financial services laws. In our latest discussion, we explore: • what the term means • why it’s not always straightforward • why understanding a client’s circumstances matters before considering strategies or product solutions Watch the full episode here: youtu.be/ieHlAqB5pMI #FinancialAdvice #WealthLab #Finance #AustralianFinance #Investing General information only. Consider your circumstances before acting.

“Independent financial adviser” means something very specific under Australian law. Many advisers can’t use the term simply because they provide insurance advice. What matters most is understanding how your adviser is paid and whether the strategy suits you. General advice only. #podcast

Take the free retirement quiz → wealthlab.com.au/retirement-qui… Want to chat? Book a free intro call → wealthlab.com.au/strategy-revie… “Independent financial adviser” isn’t just a label. It’s a regulated term. If an adviser receives commissions (e.g. insurance), they generally can’t use it, even if they recommend from across the market. It’s about structure and remuneration. General information only.

Centrelink doesn’t assess what you think. Two tests decide your pension and the worst result wins. Assets, income, and deeming rates all play a role. Understanding how it’s calculated can materially impact outcomes. General advice only. Consider your own circumstances. #Podcast

Age Pension isn’t based on one test. It’s two: • Income test • Assets test Centrelink applies the one that gives the lower result. Gifting money to increase your pension? It may still be counted under gifting rules. General information only.

Most Australians have insurance inside their super… But many have never reviewed it. → Often automatic → Often generic → May not match your needs Avg payout: ~$142k Do you actually know what you’re covered for? #insurance #superannuation #ausfinance

You probably have insurance in your super… but do you know what it actually covers? Default cover can be limited, misunderstood, and easy to overlook. It may not match your needs or debts. General advice only. Consider your own circumstances. #podcast

Transition to Retirement (TTR): From age 60, you may be able to access super while still working. Withdrawals are typically limited to a set range each year. It’s often used to reduce work hours or adjust income. General information only.

Average default life insurance in super: ~$142,000. If something happened, would that be enough for your family? For debts, expenses, and future needs? Default cover is a starting point — not always sufficient. General information only. #LifeInsurance

SMSFs now hold over $1T in assets but they’re not for everyone. More control can mean more risk, costs, and responsibility. Before setting one up, understand the trade-offs and whether it suits your goals. General advice only. Consider your own circumstances. #Podcast

15,000 new SMSFs in one quarter. Over $1 trillion in assets. It’s a major part of Australia’s super system. But popularity doesn’t mean it’s right for everyone. Structure, responsibility, and risk all matter. General information only. #SMSF

Thinking about an SMSF? Control comes with trade-offs. Higher fixed costs. Potentially less diversification. More responsibility. It’s not always the right fit, especially with smaller balances. General information only.

“TTR” gets thrown around a lot… But most people don’t actually know what it is. It stands for Transition to Retirement: → access super while still working (60+) → reduce hours → supplement income Simple concept. Nuanced strategy. Do you understand it? #TTR #superannuation #ausfinance General information only. Consider personal advice.