Nicole Heales

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Star performers: which investment types delivered the best returns in 2024-25? 

September 2, 2025 By Nicole Heales

Sharemarkets continued to make headlines in the 2024-25 financial year but the best performers for investors seeking high returns broadened to include ... Read More

Economy, Financial Planning, Investment, Superannuation

Making the most of a salary increase 

September 2, 2025 By Nicole Heales

It’s exciting to get a pay rise and when you’ve earned it, you often feel like it’s a deserved reward to treat yourself with, but used in the right ... Read More

Finances, Financial Planning, Money Management, 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

Is it worth salary sacrificing into super? 

August 6, 2025 By Nicole Heales

We're all familiar with the concept of super. It's that portion of our salary that employers are required to contribute to a super fund on our behalf, ... Read More

Finances, Financial Planning, Superannuation, Tax

What to consider when starting a new job

June 3, 2025 By Nicole Heales

You’re through the application and interview, but what else do you need to consider when starting a new job? New jobs may come with an increase in ... Read More

Financial Planning, Lifestyle, Money Management, Superannuation, Tax

Estate Planning and SMSFs

May 16, 2025 By Nicole Heales

One of the main reasons an individual would use an SMSF is for estate planning as it can offer greater flexibility to beneficiaries than what is ... Read More

Estate Planning, Financial Planning, Investment, Superannuation

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

How to find your lost super

May 5, 2025 By Nicole Heales

Imagine finding thousands in super that you’ve lost track of. Here’s how you can check if you have any lost or unclaimed super. There are over ... Read More

Investment, Money Management, Retirement, Superannuation

Can I go back to work if I’ve already accessed my super?

May 5, 2025 By Nicole Heales

Generally, you can, but there may be other things to consider. When you access your super at retirement, depending on your age and personal ... Read More

Financial Planning, Lifestyle, Retirement, Superannuation

When can you access your super? 

March 30, 2025 By Nicole Heales

Super is only for when you retire, right? Well not quite. There are a few times in life when you might have a valid reason to get hold of some of your ... Read More

Finances, Financial Planning, 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

  • Star performers: which investment types delivered the best returns in 2024-25? 
  • Making the most of a salary increase 
  • Helping your grandkids purchase their first property 
  • Carry forward concessional contributions
  • Is it worth salary sacrificing into super? 
  • How worried should I be about running out of money when I stop working? 
  • When you need a Will and who can help 
  • Five life insurance myths debunked  

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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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