Nicole Heales

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Investing in volatile times

October 12, 2021 By Nicole Heales

As Australia emerges from lockdowns in New South Wales, the Australian Capital Territory and Victoria, and the economy recovers from a September ... Read More

Economy, Finances, Financial Planning, Investment, Money Management

Mortgage versus super – a common dilemma

October 8, 2021 By Nicole Heales

Conventional wisdom used to dictate Australians were better paying off their home loans, and then, once debt-free turning their attention to building ... Read More

Financial Planning, Investment, Mortgage, Superannuation

How salary sacrificing into super could work for you

October 8, 2021 By Nicole Heales

An effective way of building your super savings (and potentially reducing your taxable income) is through salary sacrificing – that is, asking your ... Read More

Financial Planning, Investment, Money Management, Superannuation, Tax

Financial rights and wellbeing for LGBTI couples

October 8, 2021 By Nicole Heales

Since marriage equality was achieved in 2017, LGBTI people have had access to the same legal and financial rights as heterosexual married couples. Yet ... Read More

Finances, Lifestyle, Money Management

11 things everyone should know about their super

October 8, 2021 By Nicole Heales

Super is there to provide you with an income when you stop working and it may provide a tax-effective way to save for your retirement over the ... Read More

Financial Planning, Investment, Retirement, Superannuation

Don’t take super cover for granted

September 14, 2021 By Nicole Heales

Buying insurance through super has many advantages, but you need to make sure you are getting the right cover for your individual needs. In some ... Read More

Health and Wellbeing, Insurance, Superannuation

How to use your tax return to build a stronger financial future

September 14, 2021 By Nicole Heales

Whether you breeze through tax time or dread the extra admin, receiving a tax refund makes the effort worthwhile. For many of us, getting a financial ... Read More

Finances, Financial Planning, Money Management, Tax

Women and superannuation – how the pay gap can impact your super

September 14, 2021 By Nicole Heales

According to the Australian Bureau of Statistics, women are retiring with 37% less than men in their super accounts, which is a frightening thought ... Read More

Financial Planning, Investment, Retirement, Superannuation

Money worries and your mental health

September 14, 2021 By Nicole Heales

It’s been a trying time for many people, with our collective mental health taking a toll as the COVID-19 pandemic rolls on. The Melbourne Institute ... Read More

Debt, Finances, Financial Planning, Health and Wellbeing, Money Management

Creating an emergency budget that works for you

September 14, 2021 By Nicole Heales

It could take months, even years, to clear debt – especially if you used your credit card and you know you’ll be slugged with snowballing compound ... 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

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15 Howard Street Beulah Park SA 5067
Mobile: 0417 167 024

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What’s news for you

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  • Am I too old to get a home loan?
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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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