Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 Case Study Summary A 59-year-old NSW project manager was paying $21,282 per year for AIA life ($960,000) and TPD any occupation ($960,000) insurance — funded entirely through an industry superannuation fund. The Year 4 to Year 5 premium alone had increased by $7,365, a 52.9% single-year jump. A professional review across eight insurers found AIA’s own new-business rates — the same insur

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 Private schools typically offer substantially more parent visibility than the public system — through dedicated school management platforms, more frequent formal interviews, and direct teacher access that is not dependent on administrative intermediaries. In the public system, meaningful contact beyond the annual interview can be difficult to access and, in some schools, is channelled t

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 Australia’s financial capability gap is the shortfall between the financial behaviours, confidence, and practical skills Australians have and what is needed to make sound financial decisions. Research from Iress and Deloitte Access Economics shows that roughly 6 in 10 Australians have low financial capability — and Deloitte’s modelling indicates that lifting Australians to an advanced c