As of July 1, 2025, a significant change is likely be implemented in the Australian superannuation landscape with the introduction of a $3 million super balance cap. This cap is expected to have varying effects on different generations, with Generation Y likely to be more negatively affected than Generation X or Baby Boomers. In this article, we will explore the implications of this cap on member contribution decisions and how it may influence retirement planning strategies.

In today's digital age, password management has become a significant concern for individuals and businesses alike. With the rise in cyber threats, using weak and easily guessed passwords can lead to data breaches and identity theft. Password managers have emerged as an essential tool for managing and securing passwords. We will explore why using a password manager is crucial in modern times and list three popular password managers and their benefits.

Are you carrying on a business with one or more business partners?

Have you considered who will assume control of that business in the event of your death? And how to protect your family to ensure they get fair value for your share of the business?

Are your retirement assets insufficient to cover the ever increasing cost of living? Do you have large unexpected expenses in retirement? If you answered yes and you own your own home, a reverse mortgage may provide a solution.