Nicole Heales

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Tariff uncertainty and what this means for retirement income 

August 6, 2025 By Nicole Heales

One of the keys drivers of happiness in retirement is the peace of mind that comes from financial security. However, US tariff announcements since the ... Read More

Finances, Financial Planning, Investment, Retirement

Is it worth salary sacrificing into super? 

August 6, 2025 By Nicole Heales

We're all familiar with the concept of super. It's that portion of our salary that employers are required to contribute to a super fund on our behalf, ... Read More

Finances, Financial Planning, Superannuation, Tax

How worried should I be about running out of money when I stop working? 

August 5, 2025 By Nicole Heales

It’s not unusual to be worried about running out of money when you stop working.  A recent survey of Perpetual members found that 37 per cent of ... Read More

Finances, Financial Planning, Lifestyle, Money Management, Retirement

Can you really afford the big house, luxury car and holidays? 

July 1, 2025 By Nicole Heales

For many Australians, lifestyle choices are often seen as rewards for hard work.  The big house. The new car. The overseas holidays. The designer ... Read More

Finances, Financial Planning, Investment, Lifestyle, Money Management

Advice for couples at tax time 

July 1, 2025 By Nicole Heales

Unsure how your relationship status affects your taxes? We’ve made it simple with our couples’ guide to tax.  If you’re newly married, engaged or ... Read More

Finances, Lifestyle, Tax

Tech-savvy saving: apps and tools to help you manage your money

June 28, 2025 By Nicole Heales

It’s never been easier to manage your money from your phone, with hundreds of different apps available to help you with tasks ranging from simple ... Read More

Finances, Financial Planning, Lifestyle, Money Management

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

June 11, 2025 By Nicole Heales

Whether you breeze through tax time or dread the extra admin, receiving a tax refund makes the effort worthwhile. Receiving a tax refund can feel like ... Read More

Finances, Financial Planning, Money Management, Tax

Planning for retirement? Start with these 5 steps

June 3, 2025 By Nicole Heales

#1: Set clear retirement goals The very first step in retirement planning is to define what you want your retirement to look like. When you hear ... Read More

Finances, Financial Planning, Lifestyle, Retirement

Finance 101: understanding interest rates and why they matter

June 3, 2025 By Nicole Heales

Learn how interest rates influence loans, savings and investments, and find out why staying informed about interest rates can empower your financial ... Read More

Finances, Investment, Money Management, Mortgage

Eight quick wins for managing debt

June 3, 2025 By Nicole Heales

Managing debt can often feel overwhelming but there are several strategies you can implement to make the process more manageable and even accelerate ... Read More

Credit Cards, Debt, Finances, 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

  • Tariff uncertainty and what this means for retirement income 
  • Is it worth salary sacrificing into super? 
  • How worried should I be about running out of money when I stop working? 
  • When you need a Will and who can help 
  • Five life insurance myths debunked  
  • Three ways to access advice for a resilient retirement 
  • How does life insurance work? 
  • Can you really afford the big house, luxury car and holidays? 

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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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