23 articles
Strategies, guides and expert commentary on building and protecting your financial future.
View our Financial Planning service →The government has confirmed testamentary discretionary trusts will keep their tax-advantaged status. Here's what that means, why these structures are one of the most powerful estate planning tools available, and who should consider one.
Read article →Trauma insurance pays a lump sum on serious illness like cancer, heart attack or stroke. Here's what it covers, how it differs from income protection and TPD, and a real client story showing why it matters.
Your super doesn't automatically flow to your estate or follow your will. Here's who can receive it, how it's taxed, and the strategies that can reduce the tax burden on your loved ones.
Division 296 adds an extra layer of tax to superannuation balances above $3 million from 1 July 2026. Here's what it means, who it affects, and why the year to 30 June 2027 is the window to plan.
Salary sacrificing into super is one of the most tax-effective strategies available to Australian employees. Here are 10 things you need to understand before you start, including the traps that catch people out.
The 2026 budget left SMSF capital gains tax rules untouched while reforming individual CGT from 1 July 2027. How SMSF CGT works and why the gap is widening.
Debt recycling isn't a single strategy. It has variations from plain vanilla to property-with-a-trust. A guide to the main approaches and where each one fits.
The 2026–27 Budget represents a meaningful shift in Australia's tax system, with a focus on improving housing affordability, rebalancing tax concessions, and cost-of-living relief.
With interest rates at elevated levels, achieving financial success may seem challenging. However, there are strategies that remain effective regardless of market conditions. One such strategy is Debt Recycling.
With the start of a new year, many of us take time to reflect on what we've achieved and what we want the year ahead to look like. Whether you're running a busi
With more than $4 trillion in superannuation, scammers see it as a goldmine. ASIC has warned of a rise in pushy sales tactics and false promises. Here's how to keep your nest egg safe.
Share markets at home and abroad posted strong returns last quarter. Discover what's shaping investment markets and what it means for you.
Dr Riley Moynes' TEDx research identifies four distinct psychological phases most people experience in retirement. Worth understanding before you reach that milestone.
Research from Russell Investments shows professional financial guidance boosts confidence, clarity and results. 89% of advised clients feel more confident about their finances.
Global share markets delivered robust returns in 2024–25, driven by falling inflation, central bank rate cuts, and surprising economic resilience. Here's what it means for investors.
Debt recycling is one of the most powerful wealth-building strategies available to Australian homeowners, yet it's widely misunderstood. This guide explains how it works, who it suits, and the risks you need to understand.
Australia's Super Guarantee (SG) rate reached 12% on 1 July 2025. See the full SG rate history by year, what the 12% milestone means for your salary sacrifice and take-home pay, and how to make the most of the increase.
Income protection and total and permanent disability cover both protect you if you can't work, but they work in completely different ways. Getting the right mix is one of the most important financial decisions you can make.
AGS Financial Group is pleased to welcome experienced Sydney-based financial planner Frank Martino to the AGS family, effective 3 February 2025.
A surprising number of Australians don't have a valid will — and those who do often lack the other documents that complete an effective estate plan. Here's what you actually need and why each document matters.
The debate between property and shares dominates dinner table conversations about investing. The honest answer is that the question itself is usually the wrong one. Here's how to think about it properly.
Financial planner fees in Australia typically range from $3,000–$6,000 for a comprehensive financial plan, or $300–$600 per hour. This guide explains every fee type, what's included, and how to assess whether professional advice is worth the cost for your situation.
Worked in the UK? Take action now on National Insurance to enhance your State Pension entitlements.
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