Your Fresh Start Financial Services

09/06/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles as well as the usual Q & A section.

In this edition: Granny Flat Arrangements: The Rules That Catch People Out. Borrowing After 50: What Actually Changes. The Two-Person Retirement: How Couples Actually Spend Together. Q&A: Ask a Question.

27/05/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles as well as the usual Q & A section.

In this edition: When the Loan Becomes a Gift: Why Family Lending Needs a Document. The Home You’re Sitting On: Reverse Mortgages and the Government Scheme Almost No One Knows About. Working Past 65: How Tax, Super, and Centrelink Now Fit Together. Q&A: Ask a Question.

23/05/2026

For those of you wondering why financial advice costs so much. My small business is paying a ridiculous annual amount (which keeps increasing) to cover the big firms that walk away scot free from doing the wrong thing.
Think of it like this, your neighbour gets a massive speeding fine but instead of him paying it they get everyone in your street to pay for his error.

Commenting in response to today’s announcement by Minister Mulino, FAAA CEO Sarah Abood said: “We acknowledge that Minister Mulino has decided to spread

16/05/2026

In today's Money & Life spotlight, Luke Marshall writes about - How budgeting can reduce financial stress.

If you’ve been feeling stretched by rising costs, you’re not alone. From groceries and fuel to rent and mortgages, everyday expenses have crept up, and many Australians are feeling it. Read more: https://moneyandlife.com.au/mid-career/how-budgeting-can-reduce-financial-stress/

16/05/2026

Financial Advice Association Australia (FAAA) professional development day.

11/05/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles as well as the usual Q & A section.

In this edition: When the Will Doesn’t Do What You Think It Does. EOFY Without the Last-Minute Scramble. Investment Bonds: The Quietly Useful Structure Most People Don’t Know. Q&A: Ask a Question.

27/04/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles as well as the usual Q & A section.

In this edition: The Debt Nobody Talks About: HECS, HELP, and the Hidden Drag on Household Finances. When One of You Dies: What Surviving Spouses Actually Have to Deal With. The Insurance Inside Your Super: What You’re Paying For and Whether It’s Enough. Q&A: Ask a Question.

27/04/2026

Feel-good vibes AND a tax deduction? Yes please! 🙌

You can claim a tax deduction for donations to organisations that have a deductible gift recipient (DGR) status. But not all charities and organisations have this.

Here’s how to check if you can claim:

1. Search for and open the ABN Lookup tool
2. Type in the name of the organisation
3. Select the right organisation from the list (pro tip: if it’s not listed, you can’t claim a deduction)
4. Scroll down to the ‘Deductible gift recipient status’ heading.

✔️ If it shows a status – yes! You can claim
❌ If it says ‘Not entitled’ – no deal. You can’t claim a tax deduction.

13/04/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles on the Cost of Living as well as the usual Q & A section.

In this edition: Protecting Your Parents’ Money — and Your Own: A Family Guide to Financial Elder Abuse. Why Fuel Costs What It Does — and What It Means for the Rest of Your Money. The 1 July Reset: What a Cluster of Big Changes Means for Your Household. Q&A: Ask a Question.

02/03/2026

Check out the fortnightly news letters posted on our website in the BLOG tab. The current one has some great articles as well as the usual Q & A section.

In this edition: The Centrelink Puzzle: Understanding the Age Pension Means Tests and How They Shape Your Retirement. Power of Attorney: The Document That Could Matter More Than Your Will. The New Super Tax: What Division 296 Means for Large Balances — and Why Everyone Should Understand It. Q&A: A...