Nicole Heales

  • Why Nicole
    • Meet Nicole
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  • How I help
    • Money Coaching
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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

Downsizing your home? Understanding the downsizer contribution

April 7, 2026 By Nicole Heales

downsizing your home

Downsizing the family home is often part of the longer term financial plans for many older Australians. But did you know that you could consider ... Read More

Financial Planning, Money Management

Economists warn Middle East war to hit households through oil price spike but say fallout could be short lived

March 11, 2026 By Nicole Heales

Economists warn Australian households face fresh cost of living pressures in the form of higher petrol bills, as the Middle East war sees oil prices ... Read More

Economy, Financial Planning, Investment, Money Management

Australians putting finances first

March 4, 2026 By Nicole Heales

Australians putting finances first in 2026

As Aussies settle into 2026, many are turning their attention to their finances. MLCs latest survey reveals that more than half of those surveyed ... Read More

Finances, Financial Planning, Lifestyle, Money Management

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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

OUR LOCATIONS

  • 15 Howard Street Beulah Park SA 5067
  • 315 Lady Gowrie Drive, Taperoo SA 5017

Mobile: 0417 167 024

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What’s news for 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
  • EOFY super moves worth thinking about
  • Dreaming of early retirement?
  • Developing a retirement savings plan

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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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