Funded Futures Financial Services

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Funded Futures Financial Services Strategies to help FUND your life now, and into the FUTURE. Providing affordable financial advice for families and young professionals.

Funded Futures is a service based offering so you select what areas you need advice in and understand the costs involved. This allows us to tailor your financial advice package to your current needs and continue to adapt as your life changes.

Are rising deeming rates affecting *your* Age Pension?It’s not always about how much you have, but how Centrelink *assum...
16/10/2026

Are rising deeming rates affecting *your* Age Pension?
It’s not always about how much you have, but how Centrelink *assumes* it earns. Deeming rates – the assumed rate of return on your investments – have gone up three times in a year, and that's changing who gets hit by the income test. A client I spoke with recently was surprised to find their pension reduced at a much lower asset level than they expected. If you’re receiving (or approaching) the Age Pension, it pays to understand which test is setting your payment. Get in touch and we can work through it together.
➡️ https://ap1.hubs.ly/H01rvQj0

$36 billion vs $2.2 billion… a surprising look at where our money goes… and why it matters.I was looking at the latest s...
13/10/2026

$36 billion vs $2.2 billion… a surprising look at where our money goes… and why it matters.

I was looking at the latest scam figures (awful, as always) when a different number hit me: Australia’s gambling losses are *sixteen times* higher. It's easy to get worked up about fraud, but sometimes the legal stuff quietly drains more from household budgets. I realised I hadn’t really thought about where our entertainment money goes – not in a judgmental way, just…where does it land?
We break down the latest data on scams and gambling in Australia, and what the government is doing to address these issues.
https://ap1.hubs.ly/H01r5WJ0

If you're curious about aligning your spending with your broader financial plan, the Funded Futures team is always here for a chat.

The Hidden Costs of AI – And Why Valuations Might Be Off. We’ve seen a lot of hype around AI companies, and their valuat...
09/10/2026

The Hidden Costs of AI – And Why Valuations Might Be Off.

We’ve seen a lot of hype around AI companies, and their valuations are soaring. But are they justified? This post explores the key differences between AI economics and traditional software, why costs don't scale down like they should, and what it means for investors. What do *you* think – is this a bubble waiting to burst? Share your thoughts in the comments! 👇https://ap1.hubs.ly/H01p1YM0

Is Anyone Talking Honestly About Government Spending? We’re seeing record levels of government spending, and it feels li...
04/10/2026

Is Anyone Talking Honestly About Government Spending?

We’re seeing record levels of government spending, and it feels like nobody is willing to have a frank conversation about the impact on inflation. This post breaks down the numbers, explains the lag effect, and why you might be paying the price without even realizing it. https://ap1.hubs.ly/H01p1Cd0

What are your thoughts? Let me know in the comments! 👇

Is That Sponsorship Really “Free”? What Employers Need To Know.We often see businesses wanting to support their employee...
01/10/2026

Is That Sponsorship Really “Free”? What Employers Need To Know.

We often see businesses wanting to support their employees’ hobbies, which is fantastic! But sponsoring a season of club sport isn't always as straightforward as it seems. It can trigger Fringe Benefits Tax (FBT) if not handled correctly. This post breaks down what employers need to consider before offering this perk – and what employees should be aware of when accepting.

https://ap1.hubs.ly/H01p1nD0

💡 Navigating the Card Surcharge Ban: What Small Businesses Need to Know 💡The card surcharge ban is more complex than you...
29/09/2026

💡 Navigating the Card Surcharge Ban: What Small Businesses Need to Know 💡

The card surcharge ban is more complex than you might think! It's not just about removing the fee – it’s about how you structure your pricing. Are you accidentally falling into a trap?

Our latest blog post covers:
✅ Who enforces the rules (and what happens if you break them)
✅ What you can and can't do with fees & discounts
✅ The hidden cost reduction in interchange fees – are you benefiting?
✅ A step-by-step checklist to ensure compliance.

We can help you navigate this change. What questions do you have about the surcharge ban? ❓

Read the full article: https://ap1.hubs.ly/H01pr0_0

Is Your Employer Doing What They're Supposed To?It’s funny, we often see clients who *think* something is off with their...
27/09/2026

Is Your Employer Doing What They're Supposed To?

It’s funny, we often see clients who *think* something is off with their pay, even when the payslip looks normal. And they're usually right to be suspicious! Single Touch Payroll reporting and actually paying wages/super are separate things – a tidy payslip doesn’t guarantee everything is up-to-date. From July 2026 it gets stricter with payday super changes. You can check your STP income statement in myGov, and employer contributions directly through your super fund.

Here's a quick guide to checking both yourself (it takes under five minutes!).

https://ap1.hubs.ly/H01p1c20

Super Boost or Future Cost? Let's Talk Real Numbers.The headlines are flying around about accessing super for cost-of-li...
24/09/2026

Super Boost or Future Cost? Let's Talk Real Numbers.

The headlines are flying around about accessing super for cost-of-living relief, but what does it *actually* mean for your family budget? We crunched the numbers on One Nation’s proposal and found that while a $90k earner could get roughly $6,885 in their pocket over three years, the impact on retirement savings is surprisingly small. It's not about being pro or anti – it's about making informed decisions.

We break down the numbers (and the potential ATO loophole) in our latest post: https://ap1.hubs.ly/H01nW0z0

What are your thoughts?

Good news on the super front!It feels like all financial news is bad news these days, so I wanted to share a genuinely p...
20/09/2026

Good news on the super front!

It feels like all financial news is bad news these days, so I wanted to share a genuinely positive change that’s happening right now. Since July 1st, most employers are now paying superannuation contributions more frequently – with each payday instead of quarterly. For my family, it means our super gets more time to grow, and the impact over 25 years could be significant (around $6,000 extra!). You can check if this is happening for you by logging into your myGov account and comparing your payslips. If you're not sure what you should be receiving, the ATO has a handy calculator. Want to chat about how this impacts *your* financial future? The Funded Futures team are always happy to talk – no pressure, just good advice. 💬

https://ap1.hubs.ly/H01n9jJ0

18/09/2026

No rare, no problem
The tax rules apply either way 🃏 Most people think trading cards are a total grey area for tax.

They're not.

(Also note, a collectable capital loss can only offset a collectable capital gain, not an investment capital gain)

Address

Unit 21, 193-203 South Pine Road
Brendale, QLD
4500

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 3:30pm

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