Wealth 21

16/05/2026

The Federal Budget is more than a political announcement. For many Australians, it is an important reminder to stop, review and ask a simple question: are my financial, lifestyle and tax strategies still working in my favour?

Am I paying more tax than I need to? Is my investment strategy still appropriate? Is my retirement plan on track? Is my business structured effectively? Do I have the right protection in place? Is my lending still working for me?

The answers may not always require major change. Sometimes the value of advice is simply knowing that your current strategy remains sound.

The Federal Budget is more than a political announcement. For many Australians, it is an important reminder to stop, review and ask a simple question: are my financial, lifestyle and tax strategies still working in my favour? Budget changes can affect different people in very different ways. What ma...

09/05/2026

May each year is the perfect time to review your income, expenses, superannuation, business performance, records and future planning, while there is still time to take meaningful action.

For investors, this means reviewing your capital gains or losses, dividend income, interest income and investment-related expenses. If you have sold shares, managed funds, property or other assets, speak to your accountant before 30 June so you understand the potential tax consequences.

Tax planning is not about shortcuts. It is about being organised, informed and proactive. The earlier you speak with your tax adviser and financial adviser, the more options you may have.

As 30 June approaches, many individuals and business owners start thinking about tax. But the best tax outcomes are usually achieved before the Financial Year ends, not after it. EOFY is the perfect time to review your income, expenses, superannuation, business performance, records and future planni...

02/05/2026

Investing can feel overwhelming during periods of market volatility when prices rise and fall unpredictably. One investment principle that has stood the test of time for managing this uncertainty is dollar cost averaging (DCA). It’s a simple yet powerful strategy that focuses on consistency rather than timing the market.

While dollar cost averaging is a widely used strategy, it is not a one-size-fits-all solution. Your financial goals, time horizon, risk tolerance, and personal circumstances all play a role in determining the most appropriate investment approach. A financial adviser can help you assess whether DCA aligns with your broader strategy and ensure your investments are structured effectively.

Investing can feel overwhelming, particularly during periods of market volatility when prices rise and fall unpredictably. One investment principle that has stood the test of time for managing this uncertainty is dollar cost averaging (DCA). It’s a simple yet powerful strategy that focuses on cons...

26/03/2026

A reminder to be scam aware.

If you are not sure about any email or message you receive, please give a call and we can check it out.

🚨NT & QLD: Be aware of disaster chasers🚨

After flooding or storms, you may be targeted by “storm” or “disaster” chasers. They can call or show up uninvited and pressure you into quick decisions - repairs, inspections, or “handling your insurance claim”.

Watch for red flags if someone:
⚠️ Offers a “today-only” deal
⚠️ Promises much faster or cheaper repairs than legitimate businesses
⚠️ Wants money upfront or asks you to sign immediately
⚠️ Tries to stop you dealing directly with your insurer [moneysmart.gov.au]

Protect yourself:
• If you have insurance, contact your insurer before repairs - they may have preferred repairers and can organise emergency repairs.
• Don’t agree to anything on the spot. If you’ve signed a contract, you may have a 10‑day cooling‑off period.
• Remember: your insurer won’t send someone to your home without telling you first, and they won’t ask you for money.

Share this to help others stay safe.

Read our guide: https://moneysmart.gov.au/dealing-with-natural-disasters/be-aware-of-disaster-chasers

25/03/2026

Market volatility is a natural and expected part of investing. At various points in time, investors will see their portfolio balances rise and fall—sometimes sharply. While these movements can feel unsettling, particularly during periods of economic uncertainty, it’s important to remember that volatility is a necessary part of long-term wealth accumulation.

Advice is not just about selecting investments—it’s about behaviour. One of the greatest determinants of investment success is the ability to remain disciplined during uncertain times. Having a trusted adviser in your corner can make a meaningful difference in maintaining that discipline.

Staying the course may not always feel comfortable, but it is often the most effective path forward.

If you need some advice, call us on (07) 5445 3441 or email [email protected].

Market volatility is a natural and expected part of investing. At various points in time, investors will see their portfolios and superannuation balances rise and fall—sometimes sharply. While these movements can feel unsettling, particularly during periods of economic uncertainty, it’s importan...

07/03/2026

Volatility is uncomfortable, but it is not unusual. Market declines are unsettling, but they are not permanent features of a well-structured long-term strategy.

The real risk often lies not in market movements themselves, but in emotional decisions made during those movements.

When global unrest causes fluctuations, perspective matters. Long-term goals matter. And sound advice matters most of all.

The team at Wealth 21 are here to help if you need guidance.

Turn on the news during any period of global unrest and it can feel like the financial world is unravelling. Markets fall sharply. Headlines scream crisis. Investors begin to question everything. And yet, history tells a very different story. Share markets rise and fall. They always have. Volatility...

18/01/2026

A new year doesn’t magically change everything — but it does give us something valuable: a clean edge. A moment to pause, reset, and decide how we want to move forward.

What would make this year feel meaningful?
What am I ready to commit to, even when it feels uncomfortable?
What would future me thank me for starting now?
This doesn’t have to be your most dramatic year. It doesn’t have to be your most productive. But it can be your most intentional.
Because 2026 isn’t waiting for you to be perfect. It’s waiting for you to begin.

Call Wealth 21 on (07) 5445 3441 to take that step.

2026 is here. The calendar has turned, the noise of the holidays is fading, and there’s a subtle but powerful shift in the air. A new year doesn’t magically change everything — but it does give us something valuable: a clean edge. A moment to pause, reset, and decide how we want to move forwar...

03/10/2024

I really enjoyed catching up with James Wrigley last week for an episode on the Ensombl Advice Australia Podcast.

🎙️ Tune in to hear us discuss my 25-year journey in running an advice practice, the evolution of the profession & advice technology, our client relationships, and my plans for a gradual transition and legacy.

🔗 Listen here:

Episode · Ensombl Advice Australia · Paul is an Adviser and Practice Manager at Wealth 21. They discuss his 25-year journey in running his advice business, the evolution of the profession, staffing and growth challenges, use of technology, client relationships, and his plans for a gradual transiti...

15/08/2023

As many of you know, the Wealth 21 team (Kylie and Paul) are both long time football fans.
Join us and the rest of Australia in cheering on the mighty Matildas tonight in their semi-final clash with the Lionesses. Kick off at 8pm.

05/08/2023

Generally, it is preferable to retain just the one Super Plan account in accumulation phase.
However, there may be situations where multiple accounts are actually in your best interest - for example, to quarantine tax free component separately from taxable component for estate planning purposes.
If a Super Fund wants to consolidate your accounts, please consider what is appropriate to your circumstances.

One of the surprising things with superannuation is the lack of engagement people have with it. It is not until retirement begins to appear on the distant horizon that many start to become more interested in how healthy, or otherwise, their retirement nest egg is looking. One of the problems that ha...