Nicole Heales

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    • Meet Nicole
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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

Can you really afford the big house, luxury car and holidays? 

July 1, 2025 By Nicole Heales

For many Australians, lifestyle choices are often seen as rewards for hard work.  The big house. The new car. The overseas holidays. The designer ... Read More

Finances, Financial Planning, Investment, Lifestyle, Money Management

Advice for couples at tax time 

July 1, 2025 By Nicole Heales

Unsure how your relationship status affects your taxes? We’ve made it simple with our couples’ guide to tax.  If you’re newly married, engaged or ... Read More

Finances, Lifestyle, Tax

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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

OUR LOCATIONS

  • 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

  • Will Your Insurance Be There When You Need It?
  • Divorce and your super
  • Estate planning in retirement – What you need to know
  • Have your retirement goals changed
  • Avoiding income tax bracket creep
  • How to read and understand your super statement
  • Fake caller ID – how to know who’s really contacting you
  • Navigating redundancy – make it work for you

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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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