Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | September 2025 One in three Australians struggle to pay their bills. Nearly half say that financial stress is their biggest worry - greater than concerns about relationships or work. Most concerning is that financial literacy rates are falling, particularly amongst young people. Australian students learn algebra and analyse Shakespeare, but lessons on budgeting, compound interest, or avoiding deb

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | August 2025 Group insurance provided through superannuation may seem convenient and cost-effective, but without professional guidance, it can leave significant gaps in your protection. Many Australians rely on this default cover, yet few realise it often lacks tailored features like occupation-specific definitions, adequate benefit periods, and proper underwriting - until they try to make a claim

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | July 2025 Australians are leaving the workforce permanently due to mental health conditions at record rates, with new data revealing over $2.2 billion paid in mental health claims last year alone. According to the Council of Australian Life Insurers (CALI), mental illness is now the leading cause of total and permanent disability (TPD) claims - accounting for nearly one in three payouts. Income p