Nicole Heales

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Finance 101: understanding interest rates and why they matter

June 3, 2025 By Nicole Heales

Learn how interest rates influence loans, savings and investments, and find out why staying informed about interest rates can empower your financial ... Read More

Finances, Investment, Money Management, Mortgage

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

Am I too old to get a home loan?

May 16, 2025 By Nicole Heales

One of a property lender’s most important jobs is to make sure a borrower can manage the typical home loan term of 30 years. This becomes even more ... Read More

Financial Planning, Investment, Mortgage, Mortgage Brokering

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

Ten tips to outwit online scammers

May 5, 2025 By Nicole Heales

Scammers are constantly looking for new ways to part you from your hard earned cash. That’s why it’s so important to stay a few steps ahead when it ... Read More

Finances, Investment, Money Management

When markets are volatile, it pays to stay invested

March 30, 2025 By Nicole Heales

Periods of high volatility have forever been part of investing. But even seasoned investors might feel tempted to retreat to “safe” assets like cash ... Read More

Economy, Investment, Money Management

The biggest financial mistake women are making according to an economist

March 30, 2025 By Nicole Heales

We all know the story: women earn less than men. But even as society and employers work towards closing the gender pay gap, there’s another inequality ... Read More

Finances, Financial Planning, Investment, Money Management

The benefits of starting an investment portfolio early  

March 30, 2025 By Nicole Heales

Many people put off investing because it seems too daunting or complex. However, there are some valuable benefits to getting into the market while ... Read More

Economy, Financial Planning, Investment

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

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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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15 Howard Street Beulah Park SA 5067
Mobile: 0417 167 024

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What’s news for you

  • How to use your tax return to build a stronger financial future
  • Why you need insurance, what are your options?
  • What to consider when starting a new job
  • Sustainable habits that may also benefit your wallet
  • Planning for retirement? Start with these 5 steps
  • Finance 101: understanding interest rates and why they matter
  • Eight quick wins for managing debt
  • Estate Planning and SMSFs

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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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