Massey Financial Advice

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.

24/10/2025

Question:
My friend told me that when she moved her super into pension phase, she stopped paying tax on her investment earnings. How does that work?

Answer:
Superannuation has two main phases: accumulation and pension. In the accumulation phase, which most people are in while they’re still working, investment earnings are taxed at 15%. Once you reach retirement and transfer your super into an account-based pension, those earnings within the retirement phase become tax-free. This can make a significant difference to how long your money lasts, because your balance is no longer being reduced by ongoing tax on earnings.

There is, however, a limit to how much can be transferred into this tax-free phase. The transfer balance cap is currently $2 million per person. Any amounts above this cap must remain in accumulation, where earnings are still taxed at 15%.

Structuring your super effectively between these phases can help maximise your retirement income and minimise tax. Your financial adviser can help you manage this transition and ensure your super is working as efficiently as possible.

If you would like some help structuring your super and pensions, 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.

22/10/2025

🌅 What does a fulfilling retirement really look like for you?

It’s not just about how much money you have — it’s about how your finances support the life you want to live. In this month’s Wealth Adviser, we share ideas to help you rethink retirement and plan for the lifestyle, freedom, and peace of mind you deserve.

👉 Click to read more. https://buff.ly/q4afycB

If you would like some help planning your ideal 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. 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.

20/10/2025

💭 Worried about carrying debt into retirement?

You’re not alone — many Australians are feeling the same pressure. The good news? With the right plan, you can take control and move confidently toward a debt-free future.
In this month’s Wealth Adviser, we share simple, proven steps to help you:

✔️ Organise your finances
✔️ Prioritise repayments
✔️ Use your assets wisely
✔️ Get the right advice for peace of mind

👉 Click to read more. https://buff.ly/q4afycB



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.

03/10/2025

📈 What can we learn from the latest ASX reporting season?

The results showed that while headlines often drive short-term volatility, strong fundamentals like cost control, diversification, and steady dividends remain the real drivers of long-term success.

In this month’s newsletter, we share the key lessons for Australian investors.

👉 Click to read more. https://buff.ly/A5zLmbC

If you would like some help with your investments or superannuation, 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.

01/10/2025

Question:
I’ve heard there are rules around how much you can give away to your children before it affects your Age Pension. How do gifting rules actually work?

Answer:
Centrelink has rules in place to prevent people from giving away assets simply to qualify for the Age Pension. Under the current rules, you can give away up to $10,000 in a single financial year, but no more than $30,000 over a rolling five-year period. Anything above these limits is considered a “deprived asset” and will still count towards your asset and income tests for five years, even though you no longer hold it. This means that while gifting can be a way to help family or reduce the size of your estate, it may not always improve your Centrelink position.

It’s also important to think about whether giving money away leaves you with enough to fund your own lifestyle and future care needs. A financial adviser can help you understand the rules and explore strategies that support your goals without putting your financial security at risk.

If you are wondering how to fund 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. 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.

29/09/2025

🌍 The world is changing, and so should your investment strategy.

As global power shifts from the US toward a multipolar order with China, India, and Europe playing bigger roles, Australian investors need to think differently about protecting wealth. Diversification, resilience, and adapting to new opportunities are key.

In this month’s newsletter, we explore practical strategies for safeguarding your portfolio in a changing world.

👉 Click to read more. https://buff.ly/A5zLmbC

If you would like some help setting up your wealth for 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. 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.

26/09/2025

Question:
I’ve been told my income protection benefit period only runs to age 65. What does that actually mean for me?

Answer:
The benefit period on an income protection policy refers to the maximum length of time you’ll receive payments if you’re unable to work due to illness or injury. Many policies have a benefit period that runs until age 65, which means that if you make a successful claim before then, the insurer will continue paying your benefit up until your 65th birthday, provided you remain unable to work by the definition. After this point, the benefit ends, regardless of whether you’re back at work.

Some policies offer shorter benefit periods, such as two or five years, which usually reduces premiums but can leave you financially exposed if you suffer a long-term illness or injury. Longer benefit periods, like to age 65, provide greater protection but come at a higher cost. The right balance depends on your financial situation and retirement timeline.

Your financial adviser can help ensure your policy settings give you the cover you need.

If you want to check your personal insurances, 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.