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Navigate Advisory

We help forward-thinking individuals, families and business owners define, design and live a great life.

16/06/2026

At its meeting today, the Reserve Bank of Australia (RBA) has held the cash rate at 4.35%.

Today's decision reflects the RBA's cautious approach as it continues to assess inflation, economic growth and the impact of previous interest rate changes.

While inflation remains above the RBA's target range, higher interest rates continue to weigh on household spending and broader economic activity.

There also remains uncertainty around property prices following last month's proposed taxation changes.

In a changing economic environment, staying informed about interest rate movements and how they may affect your financial position is important.

If you’d like to have a chat about what today’s news means for you and your finances, please don’t hesitate to get in touch.

https://navigateadvisory.com.au/contact/

15/06/2026

"Mum needs to go into aged care. Do we need to sell the family home to pay for it?"

It's one of the most common questions our Senior Financial Adviser and Aged Care Specialist Dennis Spiroski hears... and one of the most misunderstood.

The financial side of aged care decisions can have a long-lasting impact on family wealth. But what most families don't realise is that they actually have options.

In his latest blog, Dennis covers four ways to fund aged care, what tends to catch families off guard, and why taking the time to model the numbers (with a financial adviser, accountant, and solicitor) makes a real difference.

Read the full blog here 👇
https://navigateadvisory.com.au/aged-care-and-the-family-home/

11/06/2026

We're thrilled to introduce Jonathan Kouloukakis as our newest Financial Adviser!

Jonathan's journey with us is one we're incredibly proud of.

He joined the team 3.5 years ago as an associate, worked through his professional year, and has now achieved his full qualification as a Financial Adviser... a milestone that reflects years of dedication and hard work.

What makes Jonathan such a valued part of our team goes beyond his qualifications. His caring, warm personality and genuine passion for helping people makes every client interaction a little brighter.

We're so proud of everything he's achieved and excited for the next chapter ahead.

10/06/2026

Division 296 Explained by Harry Moustakas.

From 1 July 2026, a new tax called Division 296 will apply to superannuation balances over $3 million.

It's a tax on realised earnings, meaning income generated from your super assets (like rental income or dividends), not unrealised gains from asset growth.

The tax is tiered based on your individual superannuation balance. Below are the tax rates on your superannuation fund realised earnings from 1/7/26.

Up to $2.1M (if retired and commenced pension): 0% tax
Up to $2.1m (not retired): up to 15% tax
$2.1M–$3M: up to 15% tax
$3M–$10M: up to 30% tax
Over $10M: up to 40% tax

Harry emphasises the importance of planning now. One critical action: start thinking about asset revaluations and cost base resets before the new tax kicks in.

This requires working with your accountant and financial adviser to position your super strategically.

04/06/2026

We are proud to share that Navigate Advisory has been awarded Outstanding Professional Services at the Inner West Local Business Awards.

We are grateful to our clients, professional partners, team, and the broader Inner West & Sydney community for their continued support.

Thank you to everyone who voted and supported us. This recognition means a great deal to us. Not because of the accolade itself, but because of what it represents: the trust our clients place in us every day, the relationships we have built over time, and our team’s commitment to delivering expert advice and service to help our clients make informed decisions, feel more in control of their financial future, and move forward with clarity through every stage of life.

This award belongs to our incredible team and the client community we are privileged to work with. We look forward to continuing to serve with genuine care and integrity and our clients at the heart of everything we do.

02/06/2026

Last Friday, we hosted an Executive Women's Luncheon bringing together extraordinary female clients who are making significant impacts in their fields and communities.

Thank you to everyone who attended and shared your insights. Your presence made the conversation all the more valuable.

Over lunch, we explored a challenge many high-achieving women know all too well: how to build careers and lives you're proud of... without burning out in the process.

Our Guest Speakers:

Diana Mousina, Deputy Chief Economist at AMP. Diana shared practical insights into the current market landscape and what we can expect economically over the coming months. She gave essential knowledge for women in leadership managing both careers and wealth.

Angela Davies, Founder of Mind Your Grit. Angela challenged the myth that high performance requires sacrifice. Her message was powerful: small, consistent actions compound into meaningful long-term results. A simple example that resonated with many: "10 squats every hour can significantly reduce the impacts of prolonged sitting."

Sustainable success means looking after yourself while you're building extraordinary things. Whether it's managing your health, your wealth, or your energy, the small decisions matter most.

Thank you to Diana and Angela for bringing such thoughtful perspectives to our community and to Mercer for hosting us!

27/05/2026

The changes are significant.

But there's an 18-month runway to plan, restructure where needed, and make decisions with your eyes open.

Remember, things are still unfolding. Speak to your financial adviser before making any decisions.

Read the full breakdown (including key dates, winners and losers, and worked examples) can be found here: https://navigateadvisory.com.au/federal-budget-2026/

21/05/2026

EOFY looks different in retirement.

You're not chasing deductions the same way. You're protecting your wealth, managing tax inside super, and making sure you're not accidentally reducing your pension entitlements.

A few things that matter before June 30:

- If your super is still in accumulation phase and you're eligible to commence a pension, starting before June 30 could mean the difference between paying up to 15% tax on earnings this year and paying nothing.

- Your super balance at June 30 is what Centrelink uses to calculate deemed income for the next period. The timing of withdrawals and contributions around EOFY can affect your pension payments.

- Centrelink's gifting rules allow up to $10,000 in a single financial year. If you're planning a gift, doing it before June 30 means it counts against this year's allowance.

We've put together a full checklist covering tax and accounting, super and wealth, and loans and debt.

Save this post and work through it before June 30.

Read the full guide here: https://navigateadvisory.com.au/eofy-tax-tips-retirees-sydney/

This is general information only. Please seek professional advice for your situation.

19/05/2026

Sole traders sit in an interesting spot.

You have the flexibility of a business but the tax structure of an individual.

That creates both opportunities and traps before June 30.

A few things worth actioning before the end of the financial year:

- The $20,000 instant asset write-off applies to sole traders too, as long as the asset is installed and ready for use before June 30.

- As a sole trader, you can make personal super contributions up to the $30,000 concessional cap and claim a tax deduction. You'll need to submit a Notice of Intent to your super fund.

- If your net income is consistently above $120,000, it's worth having the conversation about whether your current structure is still the most tax-effective option.

We've put together a full checklist covering tax and accounting, super and wealth, and loans and debt.

Save this post and work through it before June 30.

For the full guide, read it here: https://navigateadvisory.com.au/eofy-tax-tips-sole-traders-sydney/

This is general information only. Please seek professional advice for your situation.

14/05/2026

If you're a business owner, there are financial moves worth making before EOFY across tax, super, and your loan structures.

A few things that catch business owners off guard:

1. The $20,000 instant asset write-off requires the asset to be installed and ready for use before June 30. Buying it isn't enough.

2. Division 7A loans that don't meet minimum repayments by June 30 can be treated as unfranked dividends. That's a costly surprise.

3. Carry-forward super contributions are one of the most powerful and under-used strategies we see. Some clients have up to $167,500 in available cap space.

We've put together a full checklist covering tax and accounting, super and wealth, and loans and debt.

Save this post and work through it before June 30.

For the full guide: https://navigateadvisory.com.au/eofy-tax-tips-business-owners-sydney/

This is general information only. Please seek professional advice for your situation.

Address

Level 5, 376 Bay Street
Brighton-le-Sands, NSW
2216

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://navigateadvisory.com.au/

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