Massey Financial Advice

05/12/2025

📈 Warren Buffett’s retirement marks the end of an era, but his lessons live on. Discover the principles that shaped his success and how they can guide your financial journey.

🔗 Read more at https://buff.ly/6ZCCNVK

If you would like to work on your personal investment strategy, book a free initial call https://buff.ly/3RaGqS4



This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

28/11/2025

Question:
How does estate planning fit into my financial plan and what should I discuss with my adviser?

Answer:
Estate planning is a crucial part of your wider financial strategy. It’s about ensuring your assets including super, investments, and insurance are protected and passed on as you wish, in the most efficient and tax-effective way possible. Some areas where advisers add real value include helping you review and update beneficiary nominations, aligning asset ownership (like joint holdings, trusts, or superannuation) for seamless transfer, and understanding powers of attorney for decision-making if you’re unable to act. Life events such as marriage, divorce, births, or blended families are key triggers to update your plan. Good estate planning also reduces the risk of disputes among beneficiaries or unexpected tax issues.

An adviser works alongside legal experts to blend estate, tax, and investment needs giving you clarity and peace of mind that your legacy is well looked after and your loved ones are supported.

If you would like to work on your legacy, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

26/11/2025

Thinking about setting up a family trust or reviewing an existing one? With new rules and rising scrutiny, it’s time to reassess. Here’s what you need to know in 2025.

🔗 Read more at https://buff.ly/CM3ZnSO

If this applies to you, book a free initial call https://buff.ly/3RaGqS4



This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

24/11/2025

Question:
Should I use extra savings to pay down debt or invest for the future?

Answer:
It’s a common dilemma: use spare funds to reduce debt, or invest for growth. If you have high-interest debts (like credit cards or personal loans), paying these off often delivers the best value, interest saved usually outweighs likely investment returns. For lower-rate debts, like many home loans, take a closer look. If you can achieve long-term investment returns above your loan rate, investing could build wealth faster albeit with more risk, especially inside tax-effective environments like superannuation or diversified portfolios. Other considerations include risk tolerance, your stage of life, and job security.

Reviewing your personal goals, cash flow, and interest rates with your adviser can help you decide which path or blend best fits your financial strategy and keeps you moving forward.

If you would like to discuss your options, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

21/11/2025

🚗💰 Are toll roads a hidden tax on mobility? Many Australians are paying more than they realise. Find out who really benefits, and what needs to change.

🔗 Read more at https://buff.ly/CM3ZnSO



This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

19/11/2025

Question:
Are there any benefits to setting up a family trust for my investments or business?

Answer:
A family trust can help you manage both investments and business assets more flexibly. One key benefit is tax efficiency as income can be distributed to family members in lower tax brackets, potentially reducing the overall tax paid. Trusts also provide strong asset protection; assets held in a trust are separate from personal ownership, which can help protect family wealth against legal claims or business risks. Trust structures often make succession planning much smoother, ensuring assets pass to beneficiaries according to your wishes and reducing complications later. Still, trusts aren’t simple; there’s ongoing administration, costs, and the need to meet strict tax rules. Setup must be well planned and managed.

Trusts work best for families with complex finances, businesses, or those wanting clear intergenerational plans. Advice from an experienced professional can help you weigh the costs and benefits based on your long-term goals.

If you want to discuss your position, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

17/11/2025

📈 Property investors, take note! The commercial market is bouncing back, and core assets are delivering strong returns. Learn how to position your portfolio for resilience and growth in 2025.

🔗 Read more at https://buff.ly/CM3ZnSO

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

07/11/2025

Question:
I’ve been earning more recently, but it never feels like I’m getting ahead financially. How can I make my extra income work harder for me?

Answer:
It’s a common feeling, spending can quietly rise with income, leaving little left over despite earning more. The key is being intentional. Start by reviewing your cash flow to understand where your money goes and set clear saving and investment goals. Automated savings plans or regular investment contributions can help redirect surplus income before it disappears into lifestyle creep.

Think about your priorities, paying down high-interest debt, topping up super contributions, or investing in diversified funds for long-term growth. Even modest, consistent amounts can compound powerfully over time. Aligning these steps with a structured plan ensures you’re not just earning more but building wealth. A financial adviser can help create a strategy that balances your lifestyle today with your financial goals of tomorrow.

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

05/11/2025

💡 Did you know retirees can save over $2,500 a year just by accessing the right concessions?

In this month’s Wealth Adviser, we show you how to navigate the system and claim what you’re entitled to.

✅ Pensioner Concession Card
✅ Commonwealth Seniors Health Card
✅ State Seniors Cards

Let’s make retirement simpler.

https://buff.ly/QejtR54

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

31/10/2025

Question:
I’m 62 and thinking about reducing my work hours in the next couple of years. Someone mentioned a “transition to retirement” strategy, how does this work and could it help me ease into retirement?

Answer:
A transition to retirement (TTR) strategy allows you to access up to 10% of your super annually through a TTR pension while still working. Since you’re over 60, these payments would be completely tax-free.

You transfer part of your super into a TTR pension account and draw regular income to supplement reduced wages, while continuing employer contributions to your remaining super. This potentially maintains your current income level while working fewer hours.

TTR can provide tax benefits if you use salary sacrifice to replace the income you’re drawing from super, potentially reducing overall tax while maintaining your super balance. However, drawing from super early means less money when you fully retire, and can affect Centrelink asset testing.

The strategy’s effectiveness depends on your financial situation, career plans, and retirement goals. A financial adviser can model different scenarios to show how TTR might work for your circumstances and help you time it effectively.

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

Lets book a free call to discuss your current position, what you are looking to achieve, and how financial advice may help

29/10/2025

Question:
I keep hearing about superannuation contribution caps being increased for 2025-26. My employer super has gone up to 12%, but I’m not sure if I should be making additional contributions and what the limits are now?

Answer:
You’re right about the Superannuation Guarantee increasing to 12% for 2025-26 – the highest rate ever. However, the contribution caps themselves haven’t changed much this year. The concessional cap remains at $30,000 annually, covering employer contributions plus any salary sacrifice or personal deductible contributions. The non-concessional cap stays at $120,000 for after-tax contributions.

The transfer balance cap increased from $1.9 million to $2 million, affecting pension phase transfers.

Making additional contributions can be powerful for wealth building, especially with super’s tax advantages. However, it’s crucial to understand how these caps apply to your situation to avoid exceeding limits. A financial adviser can help develop a contribution strategy that maximises your retirement savings while staying within the rules.

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

Lets book a free call to discuss your current position, what you are looking to achieve, and how financial advice may help

27/10/2025

Retirement today looks different, and better. Learn how to plan for a life that blends work, leisure, and meaning.

📲 https://buff.ly/GCi0ZT6

To plan your retirement, book a free initial call https://buff.ly/3RaGqS4



This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

Retirement is no longer a fixed endpoint but a flexible phase blending work, leisure, and purpose with flexible work and phased retirement.