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			<title>Is it worth salary sacrificing into super? </title>
			<pubDate><![CDATA[Thu, 21 Aug 2025 11:56:52 +0000]]></pubDate>
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			<title>Carry forward concessional contributions</title>
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			<title>Why you should write a Will</title>
			<pubDate><![CDATA[Thu, 16 Oct 2025 10:48:22 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/three-ways-to-invest-for-passive-income/]]></guid>
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			<pubDate><![CDATA[Thu, 16 Oct 2025 10:32:18 +0000]]></pubDate>
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			<pubDate><![CDATA[Thu, 16 Oct 2025 10:29:22 +0000]]></pubDate>
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			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/insurance/asic-warns-investment-scams-are-on-the-rise/]]></link>
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			<pubDate><![CDATA[Thu, 16 Oct 2025 03:15:40 +0000]]></pubDate>
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			<title>Planning for retirement? Start with these 5 steps</title>
			<pubDate><![CDATA[Thu, 12 Jun 2025 07:18:25 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/how-to-use-your-tax-return-to-build-a-stronger-financial-future/]]></guid>
			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/how-to-use-your-tax-return-to-build-a-stronger-financial-future/]]></link>
			<title>How to use your tax return to build a stronger financial future</title>
			<pubDate><![CDATA[Thu, 12 Jun 2025 07:12:44 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/money-management/your-digital-life-after-you-die-how-to-protect-your-memories-money-and-identity/]]></guid>
			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/money-management/your-digital-life-after-you-die-how-to-protect-your-memories-money-and-identity/]]></link>
			<title>Your digital life after you die – how to protect your memories, money and identity</title>
			<pubDate><![CDATA[Thu, 12 Feb 2026 11:51:50 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/how-to-help-your-super-grow-faster/]]></guid>
			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/how-to-help-your-super-grow-faster/]]></link>
			<title>How to help your super grow faster</title>
			<pubDate><![CDATA[Thu, 06 Nov 2025 23:11:16 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/understanding-longevity-risk-in-retirement/]]></guid>
			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/understanding-longevity-risk-in-retirement/]]></link>
			<title>Understanding longevity risk in retirement</title>
			<pubDate><![CDATA[Thu, 06 Nov 2025 23:08:52 +0000]]></pubDate>
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			<title>Ten things to know before gifting wealth</title>
			<pubDate><![CDATA[Thu, 05 Mar 2026 04:46:11 +0000]]></pubDate>
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			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/tech-savvy-saving-apps-and-tools-to-help-you-manage-your-money/]]></link>
			<title>Tech-savvy saving: apps and tools to help you manage your money</title>
			<pubDate><![CDATA[Sat, 28 Jun 2025 02:23:59 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/pregnancy-and-income-protection-insurance-what-you-need-to-know/]]></guid>
			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/pregnancy-and-income-protection-insurance-what-you-need-to-know/]]></link>
			<title>Pregnancy and income protection insurance: what you need to know</title>
			<pubDate><![CDATA[Sat, 28 Jun 2025 02:23:20 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/three-ways-to-access-advice-for-a-resilient-retirement/]]></guid>
			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/three-ways-to-access-advice-for-a-resilient-retirement/]]></link>
			<title>Three ways to access advice for a resilient retirement </title>
			<pubDate><![CDATA[Mon, 28 Jul 2025 02:52:18 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/]]></guid>
			<link><![CDATA[https://nicolehealesfinancial.com.au/]]></link>
			<title>Home</title>
			<pubDate><![CDATA[Mon, 25 May 2015 15:37:10 +0000]]></pubDate>
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			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/australians-putting-finances-first-in-2026/]]></link>
			<title>Australians putting finances first</title>
			<pubDate><![CDATA[Mon, 16 Mar 2026 07:13:53 +0000]]></pubDate>
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			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/retiring-in-2026-four-smart-moves-to-protect-your-lifestyle/]]></link>
			<title>Retiring in 2026? Four smart moves to protect your lifestyle</title>
			<pubDate><![CDATA[Mon, 16 Mar 2026 06:29:09 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/how-to-create-a-retirement-plan/]]></guid>
			<link><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/how-to-create-a-retirement-plan/]]></link>
			<title>How to create a retirement plan</title>
			<pubDate><![CDATA[Mon, 16 Feb 2026 00:22:48 +0000]]></pubDate>
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			<guid><![CDATA[https://nicolehealesfinancial.com.au/financial-planning/five-financial-steps-for-the-year-ahead/]]></guid>
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			<title>Five financial steps for the year ahead</title>
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			<title>Helping your grandkids purchase their first property </title>
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			<title>How much super do I need to retire in Australia?</title>
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			<title>Protecting your money – Cybersecurity and scam awareness</title>
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