Nicole Heales

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Avoid the superannuation death tax

April 14, 2023 By Nicole Heales

While there has not officially been any death duties in Australia for decades, they definitely still exist, albeit under another name – superannuation ... Read More

Financial Planning, Superannuation, Tax

Is critical illness cover the same as income protection?

April 11, 2023 By Nicole Heales

If you became unwell and couldn’t work, how would you pay for your daily expenses? What if you became critically ill — would you be able to cover your ... Read More

Financial Planning, Health and Wellbeing, Insurance

How much will I need in retirement?

April 11, 2023 By Nicole Heales

Retirement is an exciting stage of your life — it’s goodbye to the 9-to-5 and hello to more time for hobbies, loved ones and relaxation. But while the ... Read More

Finances, Financial Planning, Lifestyle, Retirement, Superannuation

Getting smart about savings

April 3, 2023 By Nicole Heales

Saving money doesn’t come naturally to everyone. Some people are wired to save - for others it takes a bit more discipline; but developing good ... Read More

Finances, Financial Planning, Money Management

What is a good return?

March 12, 2023 By Nicole Heales

Investment inflows into bonds are on the rise, and it’s easy to understand why they make sense for income, capital growth and diversification. Most ... Read More

Financial Planning, Investment, Lifestyle, Money Management, Retirement

What’s super and how does it work?

March 3, 2023 By Nicole Heales

A helpful guide to understanding the basics of super. Superannuation, commonly known as ‘super’, is money set aside while you’re working so you’ll ... Read More

Financial Planning, Retirement, Superannuation, Tax

Building an emergency savings fund

March 3, 2023 By Nicole Heales

With the number of unpredictable events that have happened in the past few years, from COVID to inflation, being financially prepared for a crisis has ... Read More

Finances, Financial Planning, Lifestyle, Money Management

The benefits of reinvesting your income distributions

March 1, 2023 By Nicole Heales

Reinvesting the income distributions you receive from an ETF or managed fund can make a huge difference to your investment returns over ... Read More

Financial Planning, Investment

Why investing for retirement is different

February 21, 2023 By Nicole Heales

When you’re still employed and earning a salary, there’s money coming in you can rely on. In retirement, in the absence of a regular salary you’ll ... Read More

Estate Planning, Financial Planning, Lifestyle, Retirement

Can super secure a woman’s future?

February 21, 2023 By Nicole Heales

Here are some stark numbers on the difference between men and women at the point when they retire: 80% of women are retiring without the super ... Read More

Financial Planning, Investment, Lifestyle, Superannuation

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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

  • Three ways to plan for your 30s
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  • Can I go back to work if I’ve already accessed my super?
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  • When markets are volatile, it pays to stay invested
  • When can you access your super? 
  • The biggest financial mistake women are making according to an economist
  • The benefits of starting an investment portfolio early  

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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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