Nicole Heales

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Salary sacrificing into super – how it works 

August 23, 2021 By Nicole Heales

Salary sacrificing into super is where you choose to have some of your before-tax income paid into your super account by your employer. This is on top ... Read More

Investment, Retirement, Superannuation, Tax

Supporting your kids, without sacrificing your own retirement 

August 23, 2021 By Nicole Heales

In the past, wealth was often passed on through an inheritance. But with our longer lifespans, and the higher cost of living (especially housing), the ... Read More

Financial Planning, Money Management, Retirement

How to save for retirement in your 50s 

April 15, 2021 By Nicole Heales

For many people, your 50s are your golden years, a time when you may be at the pinnacle of your career and some of the big expenses you needed in your ... Read More

Financial Planning, Money Management, Retirement, Superannuation

How much super should I have at my age? 

March 19, 2021 By Nicole Heales

A healthy super balance is a key ingredient to living comfortably in retirement. But for many people, retirement is a long way off, and it can be hard ... Read More

Finances, Financial Planning, Retirement, Superannuation

How to save for retirement in your 40s 

March 18, 2021 By Nicole Heales

Let’s start with the good news: studies show that your income peaks between the ages of 45 and 54. You’ll potentially have more money than ever – but ... Read More

Finances, Financial Planning, Money Management, Retirement

Superannuation 101: Your guide to a happy retirement 

September 14, 2020 By Nicole Heales

Superannuation is a handy way of saving for retirement, so that you’ll have an income to live on once you’re no longer working.  Your employer must ... Read More

Financial Planning, Retirement, Superannuation

Make Your Super Last

August 17, 2020 By Nicole Heales

Australians enjoy one of the highest life expectancies in the world, which means you can look forward to a long and comfortable retirement.  While ... Read More

Finances, Financial Planning, Retirement, Superannuation

Essential checklist for the end of financial year

June 4, 2020 By Nicole Heales

The end of financial year on 30 June is a good time to take stock and get your finances in order. Being prepared, reviewing your super ... Read More

Finances, Financial Planning, Insurance, Money Management, Retirement, Superannuation

Federal Government stimulus package

March 26, 2020 By Nicole Heales

What it means for individuals, retirees and the Australian economy Here we explain some of the benefits you may be eligible for. With the ... Read More

Coronavirus COVID-19, Money Management, Retirement, Superannuation

Is $1 million enough to retire on?

February 19, 2020 By Nicole Heales

Everyone who’s approaching retirement wants to know how much money they need to save - how much is enough to leave work confidently and then live ... Read More

Financial Planning, Investment, Lifestyle, 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

  • 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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