Nicole Heales

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Retiring in 2026? Four smart moves to protect your lifestyle

March 4, 2026 By Nicole Heales

Over one quarter of a million Australians will start their retirement in 2026. Many more are looking ahead to the time when they can swap their 9 to 5 ... Read More

Financial Planning, Lifestyle, Retirement

How to create a retirement plan

February 12, 2026 By Nicole Heales

You've spent your entire adult life working and now it’s time to kick back and do more of the things that interest you – whether perfecting your golf ... Read More

Financial Planning, Lifestyle, Retirement

How much super do I need to retire in Australia?

December 12, 2025 By Nicole Heales

The amount of super you need to support your retirement will depend on what kind of lifestyle you’re hoping to enjoy and how much income you’ll be ... Read More

Financial Planning, Retirement, Superannuation

Understanding longevity risk in retirement

November 6, 2025 By Nicole Heales

understanding longevity risk in retirement

Australians are living longer than ever before due to a combination of factors including improved healthcare, better living conditions and over all ... Read More

Financial Planning, Lifestyle, Retirement

Five building blocks that could lead to a more confident retirement

October 1, 2025 By Nicole Heales

Vanguard’s newly released How Australia Retires 2025 report explores how Australians prepare for and experience retirement. Based on a nationally ... Read More

Financial Planning, Retirement, Superannuation

Carry forward concessional contributions

August 20, 2025 By Nicole Heales

If you’re looking for ways to potentially increase your retirement savings while reducing tax, carry forward concessional contributions could be a ... Read More

Financial Planning, Investment, Retirement, Superannuation

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

Three ways to access advice for a resilient retirement 

July 1, 2025 By Nicole Heales

Did you know there’s a secret weapon when it comes to building financial resilience? Turns out that Australians who have had advice are much more ... Read More

Financial Planning, Investment, Lifestyle, Money Management, Retirement

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

Spouse super contributions – what are the benefits?

May 16, 2025 By Nicole Heales

If your partner is earning a low income, working part-time, or currently unemployed, boosting their super could be a smart financial move for both of ... Read More

Financial Planning, Investment, Retirement, 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

  • Haven’t checked your super balance? Make sure you’re not missing out
  • Five simple steps to saving cash (while still having a life)
  • Women in super – 5 smart super tips at every stage of life
  • Downsizing your home? Understanding the downsizer contribution
  • Economists warn Middle East war to hit households through oil price spike but say fallout could be short lived
  • Australians putting finances first
  • Retiring in 2026? Four smart moves to protect your lifestyle
  • Losing a loved one

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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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