Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | May 2026 More than one in four marriages in Australia today is a second or subsequent union — and the inheritance structures designed to follow those marriages have not kept pace with the family structures they must serve. Blended families — households involving stepchildren, children from previous relationships, de facto partners, or former spouses — navigate inheritance complexity that a standa

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | May 2026 A QLD registered nurse and midwife paying $3,848 per year from personal income to Aussie Home Loans Life Insurance — a life-only policy held since 2010, with no TPD or income protection — was placed with MetLife at $550 per year via superannuation (reducing to approximately $468 per year net after the concessional tax rate of 15% inside the fund), with life cover increased from $900,000

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | May 2026 A disability trust is a legal structure that holds and manages assets for the benefit of a person with a qualifying disability, intellectual impairment, or — in some circumstances — a substance addiction. The structure allows an inheritance or insurance payout to be transferred to a vulnerable beneficiary without immediately reducing their eligibility for government support, including ND