Nicole Heales

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

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

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

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

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

Ten things to know before gifting wealth

March 4, 2026 By Nicole Heales

Ten things to know before gifting wealth

What if you opted to give a present that could help shape the financial future for yourself or your loved ones? Before you make that transfer or sign ... Read More

Estate Planning, Financial Planning, Investment, Money Management, Superannuation

Five financial steps for the year ahead

February 12, 2026 By Nicole Heales

The start of the year is a good opportunity to take decisive financial steps This time of year can often be a trigger point for many people to ... Read More

Estate Planning, Financial Planning, Investment, Money Management, Superannuation

Your digital life after you die – how to protect your memories, money and identity

February 12, 2026 By Nicole Heales

Technology has made everyday life easier. We take photos without thinking where they’re stored, pay bills without opening a drawer and carry our ... Read More

Cybersecurity, Finances, Health and Wellbeing, 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

  • Will Your Insurance Be There When You Need It?
  • Divorce and your super
  • Estate planning in retirement – What you need to know
  • Have your retirement goals changed
  • 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

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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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