Nicole Heales

  • Why Nicole
    • Meet Nicole
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Developing a retirement savings plan

May 27, 2026 By Nicole Heales

While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future. Here’s how ... Read More

Financial Planning, Investment, Lifestyle, Money Management, Retirement, Superannuation

A smarter way to respond to super volatility

May 19, 2026 By Nicole Heales

When markets feel uncertain, it’s natural to feel uneasy about your super. But some of the biggest financial mistakes happen when we react emotionally ... Read More

Financial Planning, Lifestyle, Superannuation

Higher Interest Rates: What You Can Control

May 19, 2026 By Nicole Heales

When interest rates stay higher for longer, it’s easy to feel like you need to put life on hold. But some of the best financial decisions come from ... Read More

Financial Planning, Investment, Money Management

Smart ways to grow your super as you approach retirement

May 5, 2026 By Nicole Heales

Retirement isn’t a single moment. It’s a long, wonderful chapter – and the choices you make today help determine how confidently you’ll step into ... Read More

Financial Planning, Retirement, Superannuation

Managing risk

May 5, 2026 By Nicole Heales

We all want to earn high returns but every investment has some degree of risk; and higher returns generally mean higher risk. Think about the level of ... Read More

Financial Planning, Investment, Money Management

Payday Super changes – what they mean and how they could boost super for some

May 5, 2026 By Nicole Heales

payday super change

Payday Super means employers must pay super at the same frequency as they pay wages. The changes are being introduced to improve retirement outcomes ... Read More

Financial Planning, Superannuation

Seven ways to protect your mobile phone from hackers

May 5, 2026 By Nicole Heales

seven ways to protect your mobile

Our phones contain so much personal information that it's important to keep them secure. Follow these seven cybersecurity tips to help secure your ... Read More

Cybersecurity, Lifestyle, News

Haven’t checked your super balance? Make sure you’re not missing out

April 7, 2026 By Nicole Heales

havent checked your super balance

Super will soon need to be paid into your super account within seven business days of your regular pay, making it easier to check and grow your ... Read More

Financial Planning, Superannuation

Five simple steps to saving cash (while still having a life)

April 7, 2026 By Nicole Heales

Nearly every conversation I’m having right now, clients are feeling the pressure on their finances — whether it’s the cost of living, interest rates, ... Read More

Finances, Financial Planning, Money Management

Women in super – 5 smart super tips at every stage of life

April 7, 2026 By Nicole Heales

Women in super - 5 smart super tips_L

I came across this article and thought it was too valuable not to share, especially for women at different stages of their financial journey. ... Read More

Financial Planning, Superannuation

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INDUSTRY AWARDS

  • Winner – Most Influential Financial Planner 2019
  • Power50 – 50 Most Influential Advisers in Australia 2019, 2018 and 2017
  • Finalist – Female Excellence in Advice 2018 and 2017
  • Finalist – Industry Thought Leader of the Year 2018
  • Finalist – Holistic Adviser of the year 2018
  • Winner – Most Inspirational Woman in Financial Planning 2017
  • Finalist – Financial Adviser of the Year 2017 and 2016

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Mobile: 0417 167 024

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What’s news for you

  • Avoiding income tax bracket creep
  • How to read and understand your super statement
  • Fake caller ID – how to know who’s really contacting you
  • Navigating redundancy – make it work for you
  • Is Your Money Going Where You Want It To?
  • 7 Signs It’s Time for a Financial Check-In
  • Your super balance is a checkpoint, not a scorecard.
  • Taking control of your finances post divorce

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Nicole Heales ABN 64 871 906 280 is an Authorised Representative of Capstone Financial Planning Pty Ltd ABN 24 093 733 969. AFSL 223135 (Authorised Representative Number 312479).

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