Nicole Heales

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3 reasons why you should pay off your home loan faster

February 13, 2023 By Nicole Heales

There are a few compelling reasons why you should pay off your home loan faster. Here are three of the most important ones: 1) You’ll save money on ... Read More

Debt, Financial Planning, Money Management, Mortgage

How to deal with rising inflation

February 7, 2023 By Nicole Heales

Between March 2021-22, inflation in Australia rose by 5.1%. Meanwhile, wages only rose by 2.4%. With the bare essentials becoming – well, ... Read More

Economy, Lifestyle, Money Management

Are you on track with your finances?

February 7, 2023 By Nicole Heales

When it comes to life stages, we’re all different. Some of us are all set up with a mortgage, a steady career and possibly even kids in our ... Read More

Finances, Financial Planning, Lifestyle, Money Management

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

Downsizing your home? Understanding the downsizer contribution

January 22, 2023 By Nicole Heales

Downsizing the family home is often part of the longer-term financial plans for many older Australians. But did you know that you could consider ... Read More

Finances, Lifestyle, Tax

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 old is too old for insurance?

January 22, 2023 By Nicole Heales

As you age and your health starts to deteriorate, having a financial safety net and protecting your nearest and dearest may become even more ... Read More

Estate Planning, Financial Planning, Insurance

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

Don’t let overspending be your undoing

December 11, 2022 By Nicole Heales

Do you struggle to control your spending around your friends and family? If the urge to ‘keep up’ with a certain lifestyle is stretching your ... Read More

Credit Cards, Debt, Finances, Lifestyle

Christmas gifts that won’t blow your budget

December 11, 2022 By Nicole Heales

Christmas is a wonderful time of year in Australia, filled with summer foods, decorations and of course, gift giving. Here are a few ideas to help you ... Read More

Finances, Lifestyle, 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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What’s news for you

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  • The biggest financial mistake women are making according to an economist
  • The benefits of starting an investment portfolio early  

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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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