Leora Wealth

13/10/2026

You have your health checked regularly… but when was the last time you gave your finances a check-up?

Meet Grace. She’s pretty good at keeping on top of her health appointments, but she’s just realised something…

When did she last check how her super was performing?

For many of us, super is something that quietly sits in the background. Our employer makes contributions, we receive an annual statement, and we assume everything is tracking along nicely.

But your super could be one of your biggest financial assets, and how it’s managed today can make a significant difference to your lifestyle in retirement.

Here’s what you should be checking:

✅ Investment performance: How has your super performed over the past 3, 5 and 10 years? Don’t just look at the last 12 months.

✅ Compare against benchmarks: Is your super delivering competitive returns compared with an appropriate benchmark and similar investment options? Remember to compare investments with similar risk levels and asset allocations.

✅ Understand your fees: What are you actually paying in administration, investment, indirect costs and other fees? Small differences can add up over time.

✅ Review your investment strategy: Does your current investment option still suit your age, goals, risk tolerance and retirement timeframe?

✅ Check your insurance: Do you have insurance through super? Is the cover appropriate for your circumstances, and do you understand what it costs?

💰 Did you know that just 1% more in annual fees could make a big difference to your retirement savings?

Let’s say you have $200,000 in super, with no additional contributions, invested for another 20 years.

Assuming a 7% annual investment return before fees:

• With fees of 1% p.a., your balance could grow to approximately $641,000.

• With fees of 2% p.a., your balance could grow to approximately $531,000.

That’s a difference of around $110,000!

And that’s without factoring in any additional super contributions.

Of course, lower fees don’t automatically mean better value. Investment performance, risk, features, insurance and the services you receive all matter. The important thing is understanding what you are paying and what you are getting in return.

🌸 Your super deserves more than a quick glance at your annual statement.

At Leora Wealth, we help you understand your super, review your investment strategy and make informed decisions about your financial future.

Looking after your future is just as important as looking after your health.

When was the last time you gave your super a proper check-up?




General information only. This does not take into account your personal objectives, financial situation or needs. The figures are hypothetical illustrations, assume constant annual returns compounded annually, and exclude tax and inflation. Actual returns and fees will vary, and past performance is not a reliable indicator of future performance.

12/10/2026

Learn about retirement costs

How much retirement costs depends on what you want out of retirement, and your individual needs and circumstances. The lifestyle you want may look different to another person's, so your living costs will be different. For example, you might prioritise travel, whilst your friends want to stay close to the grandchildren at home.

In our snapshot attached, we try to provide some insights to one of the most common questions I get asked ‘How much do I need to retire?’

Happy reading 😊

Reach out if you wish to discuss your retirement plans or have any questions.

Discover ways to answer the common question ‘How much do I need to retire?’Learn about retirement... https://eread.com.au/leora/203284

10/10/2026

We spend so much time looking after everyone else’s future… but what about our own?

Meet Grace. She’s juggling work, family, ageing parents, groceries, appointments and everything else life throws her way.

Sound familiar? As women, we are often so busy making sure everyone else is okay that we slip further down the to-do list and before we know it, another year has passed.

The reality is that women often face unique financial challenges. Career breaks to raise children, working part-time, caring for ageing parents, relationship changes and the gender pay gap can all affect our ability to build wealth and save for retirement.

Financial independence isn’t necessarily about being wealthy. It’s about having choices. The choice to reduce your working hours. The confidence to navigate life if your circumstances change.
The security of knowing you’re building a future for yourself.
The freedom to enjoy retirement on your own terms. And importantly, it’s about understanding your money, knowing what you have and feeling confident making decisions about your future.

Whether you’re 35, 45, 55 or beyond, it’s never too early or too late to start taking an interest in your financial wellbeing. You deserve the same care, attention and planning that you give everyone else.

At Leora Wealth, we help women understand their finances, build confidence and plan for the next chapter of life, whatever that might look like.

www.leorawealth.com.au

Protecting what matters.
Rebuilding with confidence. Planning what’s next.

General advice only

05/10/2026

Retirement income is about more than the Age Pension.

Two of the most common questions I hear as people approach retirement is:

“How much Age Pension will I get?” and
“How do I make my money last?”

Both important questions but they are only one piece of the retirement puzzle.

A good retirement plan looks at how all of your financial resources can work together to provide the income you need, while helping your money last.

Depending on your circumstances, your retirement income might come from a combination of:

• the Age Pension
• an account-based pension
• investment income
• cash and savings
• shares or managed investments
• rental income
• part-time work, particularly in the earlier years of retirement

The key is understanding when and how to draw on each layer.

For example, sometimes the best strategy isn’t simply to maximise your income from one source. It may be about structuring your super and investments carefully, managing how much you draw from your retirement savings, maintaining an appropriate cash reserve, and understanding how your assets and income interact with Centrelink.

And your strategy will change over time.

Your income needs at 67 may look quite different at 77 or 87. Travel and lifestyle spending may be higher in the early years, while healthcare and support needs can become more important later.

The goal isn’t just to retire. It’s to have a plan for where your income will come from throughout retirement and the confidence to actually enjoy it.

At Leora Wealth, we help our clients understand how the different pieces fit together and build a retirement income strategy designed around the life they want to live.

Protecting what matters. Planning what’s next.

General information only. It does not take into account your objectives, financial situation or needs.

29/09/2026

After weeks of speculation, the Reserve Bank of Australia has lifted the cash rate by 0.25 percentage points, taking it to 4.6%. After weeks of speculation, the decision has been made, putting even more pressure on already strained household budgets. Rates are now back to levels not seen since November 2011.
Read our update here https://advantplus.com.au/leora/202644

At its meeting today, the Board decided to increase the cash rate target to 4.60 per... https://eread.com.au/leora/202644

07/09/2026

There is something about the start of Spring that makes it feel like a good time to take stock, clear out the cobwebs and think about what’s next.

Our latest Leora Wealth newsletter is now available. This edition includes a few topics that are particularly relevant if you are starting to think about retirement or simply getting your financial affairs in order.

We take a look at:

💡Transition to Retirement. How a TTR may help you gradually reduce your working hours, maintain your lifestyle and potentially make more of your super in the years leading up to retirement, in a tax effective way.

💡Your Estate Plan. An important reminder that your super doesn’t automatically form part of your Will, and why keeping your beneficiary nominations and estate plans up to date matters.

💡And something a little different – why stepping outside our comfort zone and continuing to learn, try new things and challenge ourselves can be so important as we get older.

A good financial plan isn’t just about numbers. It’s about having a plan that gives you the confidence & flexibility to enjoy the next chapter of your life.

Hope you enjoy our Spring newsletter here:
https://eread.com.au/leora/201783

01/09/2026

Invest & Plan with confidence. Leora Wealth is the perfect place to begin. Learn how a well-structured financial strategy can be the difference between security and uncertainty.

Understanding your goals, building a tailored plan for your situation, can be the path to your long-term success.

Visit our website to explore resources that can help you to make the right decisions and book a Discovery call, no obligation. We are here to guide you toward financial clarity.

https://leorawealth.com.au/who-we-help

17/08/2026

Every day I hear worries about money in retirement.

How much do I need? How long will it last? Can I afford to...? What if markets fall? I don't want to feel locked in.

Understanding how your income works when you retire brings real relief — and the confidence to actually enjoy the years you've worked so hard for. It is a big change when the paycheck stops coming, not only financially, but also emotionally.

I'm passionate about helping people work through exactly this. When you understand how your income works, those worries start to ease. You'll know you're going to be okay — and that you can enjoy this next chapter.

Give us a call on (07) 3379 9901, or send me a message — happy to talk through what your retirement income could look like.

I'm thinking about running a short session on retirement income for anyone who might find it useful — comment below or send me a message if it is something you might like to know more about.



General advice only.

14/08/2026

Life doesn't stand still — and neither should your insurance.

A new job, a growing family, a bigger mortgage, a pay rise. Each of these can quietly leave you under-insured or, just as easily, paying for protection you no longer need.

A quick yearly check-in means your policy is working for the life you're actually living — not the one you had when you first took it out. When did you last review yours? Contact us to arrange a 15 minute call with one of our insurance specialists for a quick check on your cover (07) 3379 9901. General information only.