Protecting Your Super From Scams
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.
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Financial Planning
Strategies, guides and expert commentary on building and protecting your financial future.
View our Financial Planning service →Quarterly Economic Update: July – September 2025
Share markets at home and abroad posted strong returns last quarter. Discover what's shaping investment markets and what it means for you.
The 4 Phases of Retirement
Dr Riley Moynes' TEDx research identifies four distinct psychological phases most people experience in retirement — well worth understanding before you reach that milestone.
The Value of Advice: What Does a Financial Planner Actually Help With?
Research from Russell Investments shows professional financial guidance boosts confidence, clarity and results. 89% of advised clients feel more confident about their finances.
Quarterly Economic Update: April – June 2025
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: turning your mortgage into a tax-efficient investment strategy
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.
Super Guarantee Rate: Australia's Current Rate & Full History
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 vs TPD cover: understanding the difference and what you need
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 Welcomes Frank Martino and Lifetime Wealth Planners
AGS Financial Group is pleased to welcome experienced Sydney-based financial planner Frank Martino to the AGS family, effective 3 February 2025.
Estate planning essentials: what every Australian adult needs in place
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.
Property vs shares: building wealth through the right asset mix
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.
How Much Does a Financial Planner Cost in Australia? (2025–26 Guide)
Financial planner fees in Australia typically range from $3,000–$6,000 for a comprehensive financial plan, or $200–$500 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.
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