Nicole Heales

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Seven secret financial habits of wealthy Australians you can copy

February 27, 2025 By Nicole Heales

Ever wondered how the wealthy manage their money and what they do differently from the average Australian? New research* from Colonial First State ... Read More

Financial Planning, Investment, Lifestyle, Superannuation

Financial strategies for women over 50

February 27, 2025 By Nicole Heales

Many women in their 50s are asking themselves: “How do I prepare for retirement without financial stress? Can I reduce my working hours or transition ... Read More

Finances, Financial Planning, Health and Wellbeing, Retirement, Superannuation

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

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

Grow your retirement income 

October 31, 2024 By Nicole Heales

In retirement, every dollar counts and it is worth exploring different strategies to grow your retirement income. Here’s how do it…  Use your super ... Read More

Financial Planning, Investment, Lifestyle, Retirement, Superannuation

How do Aussie women’s finances stack up?

September 2, 2024 By Nicole Heales

how do aussie womens finances stack up

Planning for retirement is a daunting task and many Australian women lack confidence in financial decision making. Fortunately, there are some small ... Read More

Finances, Financial Planning, Lifestyle, Money Management, Superannuation

Get 2024/25 off to a great start

September 2, 2024 By Nicole Heales

get 2024-25 off to a great start

The beginning of the financial year is a great opportunity to review your financial situation, to make sure you’re on track and on top of changes ... Read More

Financial Planning, Superannuation, Tax

Contributions, when are they made?

September 2, 2024 By Nicole Heales

Contributions, when are they made

Thanks to the evolving rules and additional tests, the world of superannuation contributions continues to be a source of confusion, resulting in ... Read More

Finances, Financial Planning, Superannuation

Is it worth salary sacrificing into super?

August 18, 2024 By Nicole Heales

Let’s explore the ins and outs of salary sacrificing into your super and help you determine if it's worth considering as part of your financial ... Read More

Finances, Financial Planning, Money Management, 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? 
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  • 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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