Nicole Heales

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How salary sacrificing into super could work for you

October 8, 2021 By Nicole Heales

An effective way of building your super savings (and potentially reducing your taxable income) is through salary sacrificing – that is, asking your ... Read More

Financial Planning, Investment, Money Management, Superannuation, Tax

11 things everyone should know about their super

October 8, 2021 By Nicole Heales

Super is there to provide you with an income when you stop working and it may provide a tax-effective way to save for your retirement over the ... Read More

Financial Planning, Investment, Retirement, Superannuation

Don’t take super cover for granted

September 14, 2021 By Nicole Heales

Buying insurance through super has many advantages, but you need to make sure you are getting the right cover for your individual needs. In some ... Read More

Health and Wellbeing, Insurance, Superannuation

Women and superannuation – how the pay gap can impact your super

September 14, 2021 By Nicole Heales

According to the Australian Bureau of Statistics, women are retiring with 37% less than men in their super accounts, which is a frightening thought ... Read More

Financial Planning, Investment, Retirement, Superannuation

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

Five things you and your partner should know about super

August 6, 2021 By Nicole Heales

Money issues are often cited as the biggest causes of stress in a relationship. Yet despite their importance, a recent survey of Australian couples ... Read More

Financial Planning, Health and Wellbeing, Lifestyle, Superannuation

Good news – Super contribution caps to rise

June 10, 2021 By Nicole Heales

On 1 July 2021, both the concessional and non-concessional superannuation contribution limits, also known as ‘super contribution caps’, will ... Read More

Financial Planning, Money Management, Superannuation

2021-22 Federal Budget: What it means for You

May 12, 2021 By Nicole Heales

Federal Budget 2021-22

As the COVID economic landscape continues to take shape, Australian Federal Treasurer Josh Frydenberg has handed down the 2021-22 Federal ... Read More

Economy, Finances, Investment, Lifestyle, Superannuation, Tax

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

Paying your mortgage vs. adding to your super

April 14, 2021 By Nicole Heales

If you’re lucky enough to have a bit of cash left over at the end of the month, you might be thinking about how to make the most of it. Is it sensible ... Read More

Finances, Financial Planning, Mortgage, 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
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  • 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

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  • When markets are volatile, it pays to stay invested
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  • 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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