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Division 293 tax is an extra 15% tax on super contributions for high-income earners. Many successful Australians get caught by surprise because the income calculation is broader than they expect, and the tax can apply once your combined Division 293…
Retirement can feel strangely abstract until the day you stop work and look at your super balance as income, not just a number on a statement. That's when the main question lands. Not “Have I saved?” but how long will…
You're probably not reading about critical injury insurance for fun. More often, it's because life feels busy and expensive, and a small part of you knows the plan might not hold if someone in the family gets seriously ill. In…
You might be in this exact position right now. You've remarried or partnered later in life. There's a home, super, perhaps an investment portfolio, maybe an adult child from your first relationship and younger children in your current one. Everyone…
You open your super statement, skim past the balance, then notice a small line item: insurance premium. It's been coming out for years, and there's a good chance you've never checked what it covers. That's normal. It's also risky. Life…
You open your tax return, spot a charge you weren't expecting, and realise Medicare wasn't the whole story. The standard levy is familiar. The Medicare Levy Surcharge catches people off guard, especially professionals, business owners, and dual-income households whose income…
You're probably in one of two positions right now. You're either running a business in WA and paying someone through invoices because that felt simpler than payroll, or you're a professional weighing up a contract offer and wondering whether the…
Over A$1 trillion is projected to change hands in Australia by the mid-2030s. For many families, that sounds like a national headline. In practice, it's personal. It affects the family home, super, business interests, inheritances between siblings, and the stress…
You sit down to do your tax return, search how to get PAYG summary, and hit an immediate annoyance. Your employer hasn't emailed anything. myGov shows something different from what you expected. The term “group certificate” still floats around, but…
Only 1 in 3 Australians have formally planned for long-term care needs and costs according to the Australian Institute of Health and Welfare. That should worry every family in Western Australia. Aged care planning is still often treated as something…