Nicole Heales

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Can a few extra dollars really make a difference?

February 27, 2025 By Nicole Heales

Extra payments into super, no matter how tiny, can do a lot for your balance. It doesn’t have to be a regular amount or a big lump sum to make a ... Read More

Financial Planning, Investment, Money Management

What assets can you have before losing your Age Pension?

February 20, 2025 By Nicole Heales

There are many benefits to receiving an Age Pension or even a part pension, but there are limits to what level of income or assets you can have, to be ... Read More

Finances, Financial Planning, Investment, Retirement

Australian home investing: New landlords to lose $23k+ in 12 months buying into two major cities

February 20, 2025 By Nicole Heales

The average Australian property investor could lose money in their first year, with those in the nation’s two largest capitals likely to be more than ... Read More

Economy, Financial Planning, Investment, Mortgage

Financial tips when starting a new job 

January 30, 2025 By Nicole Heales

Whether you’re starting work for the first time or you’re changing jobs, there are key things to know and do.   When negotiating pay for the role, ... Read More

Finances, Financial Planning, Lifestyle, Money Management

Insurance through super: everything you need to know 

January 30, 2025 By Nicole Heales

Did you know you can have insurance cover in your super fund?  If you have super, you might also have some automatic insurance cover.  It’s ... Read More

Financial Planning, Insurance, Superannuation, Tax

Five ways to fix the biggest financial mistake Aussies make 

January 30, 2025 By Nicole Heales

Two in five Australians say they are not on track to meet their long term financial goals, according to new research from Colonial First State (CFS)1. ... Read More

Financial Planning, Investment, Money Management, Superannuation

First Home Guarantee Scheme: how does it work? 

January 30, 2025 By Nicole Heales

You may be eligible to purchase your first home with as little as 5% deposit via the First Home Guarantee Scheme. Here’s how it works.  First Home ... Read More

Financial Planning, Investment, Mortgage, Mortgage Brokering

Misconceptions about super and taxes

December 2, 2024 By Nicole Heales

Many people have a good idea of what super is and how much of their money goes into it. But there are some gaps when it comes to the basics, such as ... Read More

Financial Planning, Investment, Superannuation, Tax

Investing for property profit

December 2, 2024 By Nicole Heales

When property prices are rising, renovating for a quick return is a popular investment strategy. But when markets are sluggish, improving a property ... Read More

Financial Planning, Investment, Mortgage, Tax

Keeping your physical and mental wellbeing in retirement

December 2, 2024 By Nicole Heales

Preparing yourself for retirement Retirement can cause a range of emotions so it’s important to prepare yourself emotionally as well as ... Read More

Financial Planning, Health and Wellbeing, Lifestyle, Retirement

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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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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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