Nicole Heales

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Avoiding income tax bracket creep

September 7, 2026 By Nicole Heales

avoiding income tax bracket creep

You earn more money; you pay more tax. So far, so fair. But what’s not so fair happens when your wage rise bumps your earnings into a higher tax ... Read More

Financial Planning, Money Management, Retirement, Superannuation

How to read and understand your super statement

September 7, 2026 By Nicole Heales

How to read and understand your super statement

Your super may be one of the biggest assets you'll ever own – and for most of your working life, it works away in the background to grow your ... Read More

Financial Planning, Money Management, Superannuation

Fake caller ID – how to know who’s really contacting you

September 4, 2026 By Nicole Heales

Fake caller ID how to know who’s really contacting you

Fake caller ID (also called caller ID spoofing) is a common technique that scammers can use to disguise their real phone number. It’s one of the ways ... Read More

Cybersecurity, Financial Planning, Money Management

Navigating redundancy – make it work for you

August 13, 2026 By Nicole Heales

navigating redundancy make it work for you

Even though redundancies are often part of business, being told your role has become redundant can still leave you feeling blindsided. If it happens ... Read More

Financial Planning, Lifestyle, Money Management

Is Your Money Going Where You Want It To?

August 13, 2026 By Nicole Heales

is your money going where you want it to

How the 50/30/20 approach can help you take a fresh look at your cash flow. You can earn a good income and still wonder where all your money ... Read More

Finances, Financial Planning, Lifestyle, Money Management

7 Signs It’s Time for a Financial Check-In

August 13, 2026 By Nicole Heales

7 signs its time for a financial check in

There comes a point when managing your finances becomes about much more than paying the bills and putting some money into super. For many women, ... Read More

Finances, Financial Planning, Money Management

Taking control of your finances post divorce

July 14, 2026 By Nicole Heales

Marriage breakdown can be highly traumatic and brings a whole new set of issues when it happens later in life. As well as the emotional challenges, ... Read More

Finances, Financial Planning, Lifestyle, Money Management

Dreaming of early retirement?

May 27, 2026 By Nicole Heales

Many Australians today expect to be working well after they would like to retire, new research from Colonial First State shows¹. On average, ... Read More

Financial Planning, Lifestyle, Money Management, Retirement

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

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

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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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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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