Nicole Heales

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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

Could interest rates rise sooner than expected?

September 6, 2021 By Nicole Heales

  In response to the pandemic, central banks around the world flooded the market with liquidity. In Australia, the Reserve Bank did what ... Read More

Economy, Finances, Investment, Mortgage

The rise of the female investor

September 6, 2021 By Nicole Heales

While society continues to grapple with the factors driving gender and pay inequity, women are proactively turning to investing more than ever before. ... Read More

Finances, Investment, Lifestyle

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

2020-21 saw investment returns rebound – expect modest but good returns this Financial Year

July 13, 2021 By Nicole Heales

The past financial year saw a spectacular rebound in returns for investors as the focus shifted from the recession to recovery against a backdrop of ... Read More

Economy, Financial Planning, Investment

Five investing tips for beginners

July 8, 2021 By Nicole Heales

Here are five investing tips for those who are just beginning their investment journey. 1. Evaluate where you're at financially Before beginning ... Read More

Investment, Money Management

How to invest for your children’s future

July 8, 2021 By Nicole Heales

Every parent wants to give their child the best start in life, even if that sometimes means footing the bill well into adulthood. Fortunately, with ... Read More

Finances, Financial Planning, Investment, Lifestyle

What is capital gains tax and when might I have to pay it?

July 8, 2021 By Nicole Heales

Capital gains tax is charged on the profit you make from the sale of certain assets. These could be assets that you’ve purchased or inherited. To ... Read More

Financial Planning, Investment, Tax

Housing Market: Bubble or Balloon?

July 8, 2021 By Nicole Heales

As one of Australia’s favourite assets, residential property is no stranger to news of a market bubble. Property works a little differently – making ... Read More

Investment, Mortgage, Mortgage Brokering, News

Australians move towards ethical and sustainable investing 

June 18, 2021 By Nicole Heales

In 2019, a nationwide survey found that an overwhelming number of Australians (78%) were worried about climate change  – a concern which escalated in ... Read More

Investment, Lifestyle

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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
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What’s news for you

  • Three ways to plan for your 30s
  • How to find your lost super
  • Can I go back to work if I’ve already accessed my super?
  • Ten tips to outwit online scammers
  • 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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