Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 A codicil to a will is a short, formal legal document that amends an existing will without replacing it. In Australia, a codicil must generally be signed, dated, and witnessed by two adults who are not beneficiaries — the same execution standard as the original will. It is used for minor changes, such as appointing a new executor or adjusting a specific gift. The point most Australians

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 In more than 500 insurance policy reviews, the most consistent finding is that Total and Permanent Disability insurance is the cover type Australians most commonly misunderstand. The most prevalent misconception: that TPD is TPD — that cover is cover, regardless of how the policy is worded. It is not. The definition written into the policy is the single most important factor determinin

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 Published: March 2026 | Last Updated: March 2026 Most Australians with superannuation assume their default TPD cover is adequate. In my experience reviewing more than 500 Australian insurance policies, approximately 1 in 3 clients holding default super-only TPD cover have coverage that has fallen well below what they assumed — in some cases to less than 10% of the figure they believed