Nicole Heales

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Can super secure a woman’s future?

February 21, 2023 By Nicole Heales

Here are some stark numbers on the difference between men and women at the point when they retire: 80% of women are retiring without the super ... Read More

Financial Planning, Investment, Lifestyle, Superannuation

Investing in investment bonds

February 21, 2023 By Nicole Heales

Investment bonds are long-term investments that may offer tax efficiency to investors on a high marginal tax rate and those investing for children or ... Read More

Financial Planning, Investment, Lifestyle

2022 Year in Review

January 22, 2023 By Nicole Heales

Inflation dominated the economic landscape The year began optimistically, as we finally began to emerge from Covid restrictions. Russia threw a curve ... Read More

Economy, Investment, News

Impacts from Falling Home Prices: The Wealth Effect

January 22, 2023 By Nicole Heales

The impacts of interest rate hikes on consumers are well known; higher interest means that mortgage debt servicing costs will go up which is negative ... Read More

Economy, Investment, Mortgage, Mortgage Brokering

How does the First Home Super Saver Scheme (FHSSS) work?

December 11, 2022 By Nicole Heales

If you’re a first home buyer, you may be eligible to withdraw voluntary super contributions you’ve made (plus earnings) to put towards a home ... Read More

Finances, Investment, Mortgage, Mortgage Brokering

3 golden rules that make saving for retirement easier

December 11, 2022 By Nicole Heales

If you’ve thought about how much money you need to save so you can retire comfortably, it might feel a little daunting. Maybe so much so, you’d rather ... Read More

Financial Planning, Investment, Retirement, Superannuation

What are some investment options outside of super

November 16, 2022 By Nicole Heales

When it comes to investing, you have two options – inside or outside of super. Super, being a longer-term investment designed to fund your ... Read More

Finances, Financial Planning, Investment

How to save for retirement in your 40s

November 16, 2022 By Nicole Heales

By the time you’re in your 40s you’ll potentially be earning more money than you may have previously – but you may also have unexpected or unwelcome ... Read More

Financial Planning, Investment, Retirement, Superannuation

How to refinance your home loan

November 15, 2022 By Nicole Heales

If you’re thinking about refinancing your home loan, this step-by-step guide shows you what to expect and how to navigate the ... Read More

Debt, Financial Planning, Investment, Mortgage, Mortgage Brokering

Inflation – what to know and what to do

October 17, 2022 By Nicole Heales

Rising inflation brings about concern for many, but time-tested investment philosophy—and a long-term focus—can help any investor navigate choppy ... Read More

Debt, Economy, Finances, Investment, Money Management

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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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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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