Nicole Heales

  • Money Type Quiz
  • Why Nicole
    • Meet Nicole
    • Take Control
  • How I help
    • Money Coaching
    • Insurance
    • Superannuation
    • Mortgages Broking and Debt Reduction
    • Wealth Creation
    • Retirement Planning
  • My Clients
  • Education
    • Ebooks
    • Explainer Videos
  • News
  • Contact

Money is a currency of time. Use your time well, and it will make you money, and money will pay you back with time.


There is something almost magical out there called compounding interest. It’s the relationship between time and money and how they work so well together.

Albert Einstein famously said, “Compound interest is the eighth wonder of the world. He who understands it – earns it, he who doesn’t – pays it”.

This basically means, if you keep adding to your investment, your wealth will grow exponentially over time without too much thought, hard work or sacrifice on your behalf.

Your superannuation is set up specifically to help you make the most of compounding interest.

Superannuation isn’t a product, it’s a tax effective environment specifically designed to help us pay for our own retirement.

If you’re anything like the majority of people, you are completely disengaged with your super, it might even be all over the place, accruing fees and getting lost.

Superannuation is your time, money and future lifestyle!

Superannuation is likely to be the first or second largest asset in your working life, outside of your home.

Unfortunately, there are so many rules and choices. Have you ever tried consolidating your super or comparing funds? It’s not that easy.

Do you:

  1. Know where all your super is?
  2. Understand how it is invested?
  3. Know your risk profile?
  4. Know what fees you are paying?
  5. Have insurance under your super?
  6. Salary sacrifice?

It’s time to take control and get engaged with your super. If the thought of this puts you to sleep, let me take care of it for you.

I can:

  • consolidate your super
  • help you understand your risk profile
  • show you how to invest sustainably and ethically
  • work out how much super you need to fund your dream retirement.

The sooner you deal with this, the better your outcome.

Can’t find what you need?

TAKE OUR MONEY TYPE QUIZ


click here

Newsletter

Subscribe to my newsletter and get regular updates on ways to make the most of your finances.

sign me up

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 LOCATION

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

Let’s Connect!

  • Email
  • Facebook
  • Instagram
  • LinkedIn
  • YouTube

What’s news for you

  • Estate Planning and SMSFs
  • Protect yourself: Multi-factor authentication
  • Spouse super contributions – what are the benefits?
  • Am I too old to get a home loan?
  • 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

Adviser Profile | Financial Services Guide
Privacy Policy | Complaints Policy | Disclaimer

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).

Copyright © 2025 Designed by GWD - Developed by Weblicious Solutions

LET'S GET
STARTED!

BOOK A TIME TO CHAT