Nicole Heales

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Australians putting finances first

March 4, 2026 By Nicole Heales

Australians putting finances first in 2026

As Aussies settle into 2026, many are turning their attention to their finances. MLCs latest survey reveals that more than half of those surveyed ... Read More

Finances, Financial Planning, Lifestyle, Money Management

Retiring in 2026? Four smart moves to protect your lifestyle

March 4, 2026 By Nicole Heales

Over one quarter of a million Australians will start their retirement in 2026. Many more are looking ahead to the time when they can swap their 9 to 5 ... Read More

Financial Planning, Lifestyle, Retirement

How to create a retirement plan

February 12, 2026 By Nicole Heales

You've spent your entire adult life working and now it’s time to kick back and do more of the things that interest you – whether perfecting your golf ... Read More

Financial Planning, Lifestyle, Retirement

Understanding longevity risk in retirement

November 6, 2025 By Nicole Heales

understanding longevity risk in retirement

Australians are living longer than ever before due to a combination of factors including improved healthcare, better living conditions and over all ... Read More

Financial Planning, Lifestyle, Retirement

Australians continue to have gaps in financial literacy

October 1, 2025 By Nicole Heales

New findings reveal confusion around basic financial concepts and retirement rules Vanguard’s new How Australia Retires 2025 report reveals that ... Read More

Financial Planning, Investment, Lifestyle, Money Management

How worried should I be about running out of money when I stop working? 

August 5, 2025 By Nicole Heales

It’s not unusual to be worried about running out of money when you stop working.  A recent survey of Perpetual members found that 37 per cent of ... Read More

Finances, Financial Planning, Lifestyle, Money Management, Retirement

When you need a Will and who can help 

August 5, 2025 By Nicole Heales

Wills aren’t just for later in life and you should really have one when you start earning. And as money and family matters can be complex, it makes ... Read More

Estate Planning, Financial Planning, Health and Wellbeing, Lifestyle

Five life insurance myths debunked  

August 5, 2025 By Nicole Heales

Life insurance can feel confusing. And with so many opinions floating around, it’s easy to buy into some misleading beliefs that may put you off ... Read More

Financial Planning, Health and Wellbeing, Insurance, Lifestyle

Three ways to access advice for a resilient retirement 

July 1, 2025 By Nicole Heales

Did you know there’s a secret weapon when it comes to building financial resilience? Turns out that Australians who have had advice are much more ... Read More

Financial Planning, Investment, Lifestyle, Money Management, Retirement

How does life insurance work? 

July 1, 2025 By Nicole Heales

A step by step guide to help you through the decision making process.  Firstly, what is life insurance?  “Life insurance” is the general term we ... Read More

Financial Planning, Insurance, 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
  • 315 Lady Gowrie Drive, Taperoo SA 5017

Mobile: 0417 167 024

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What’s news for you

  • Economists warn Middle East war to hit households through oil price spike but say fallout could be short lived
  • Australians putting finances first
  • Retiring in 2026? Four smart moves to protect your lifestyle
  • Losing a loved one
  • Ten things to know before gifting wealth
  • Five financial steps for the year ahead
  • How to create a retirement plan
  • Your digital life after you die – how to protect your memories, money and identity

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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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