Nicole Heales

  • Why Nicole?
  • How I help you
    • Take Control
    • Insurance
    • Superannuation
    • Debt Reduction and Mortgages
    • Wealth Creation
    • Retirement
  • Success stories
  • Education
    • Podcasts
    • 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”.

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

Superannuation is your time, money, and future lifestyle!

Unfortunately there are so many rules and choices.  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. What fees you are paying?
  5. Have insurance under your super?
  6. Salary sacrifice?

You need to take control and get engaged with your super. If the thought 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?

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

  • A real cybercrime story
  • What you need to know about getting a home loan pre-approval
  • What’s the best age to retire?
  • Financial freedom: A comprehensive guide to achieving true financial independence
  • Budgeting tips for Christmas
  • Extra benefits you could get with life insurance
  • Three reasons to err on the side of optimism as an investor
  • The importance of rebalancing

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 © 2023 Designed by GWD - Developed by Weblicious Solutions

LET'S GET
STARTED!

BOOK A TIME TO CHAT