InFocus Financial Planning Hervey Bay

10/06/2026

This week, we met with a client who had been managing their own retirement planning through their industry super fund for many years. Like many Australians, they felt confident they were on the right track and assumed they were making the most of the options available to them.

During our conversation, they were surprised to learn about strategies they had never heard of before, including superannuation recontribution strategies, ways to potentially maximise Centrelink entitlements, and planning techniques designed to help improve the longevity of their retirement savings.

One comment really stood out:

"I never knew any of this existed."

It's a reminder that financial planning is about much more than choosing a super fund or investment option. A financial planner looks at the bigger picture—how your super, investments, tax position, Centrelink entitlements, cash flow, estate planning and retirement goals all work together.

The rules around superannuation and retirement are constantly changing, and opportunities can easily be missed when you're trying to navigate everything on your own. A good financial planner helps identify strategies you may not know exist, avoids costly mistakes, and creates a personalised plan designed to help you make the most of your wealth both now and into the future.

Most importantly, financial planning provides clarity and confidence. Instead of wondering whether you're doing the right things, you can have a strategy tailored to your circumstances and goals.

Even if you've been managing your own finances successfully for years, a conversation with a financial adviser can help uncover opportunities that could make a meaningful difference to your future.

If you're approaching retirement or already retired and would like to understand your options, we'd love to have a chat.

08/06/2026

Hi, I'm David, owner and financial planner at InFocus Hervey Bay.

For the past 20 years, I've had the privilege of helping people navigate some of life's biggest financial decisions. Whether it's working with those who are building their wealth, helping retirees enjoy the next chapter of their lives, or supporting families through aged care decisions, no two journeys are ever the same.

One thing I've learned over the years is that financial planning is about so much more than numbers. My favourite part of what I do is getting to know my clients and building genuine, long-term relationships with them. I love hearing their stories, understanding what matters most to them, and being there to support them through the different stages of life.

Thank you to everyone who has trusted me to be part of your journey. It's a responsibility I never take for granted.

– David

02/06/2026

Superannuation Contribution Caps Are Increasing from 1 July 2026

Good news for Australians looking to boost their retirement savings!

From 1 July 2026, the annual super contribution caps are set to increase:

✅ Concessional (before-tax) contributions cap: $30,000 ➡️ $32,500

✅ non-concessional (after-tax) contributions cap: $120,000 ➡️ $130,000

✅ Bring-forward rule maximum: $360,000 ➡️ $390,000 (for eligible individuals)

These changes may create valuable opportunities to grow your super and strengthen your retirement strategy. Whether your salary sacrificing, making personal deductible contributions, or looking to contribute proceeds from an asset sale, it may be worth reviewing your plans before the new financial year begins.

Every situation is different, and contribution eligibility and limits can depend on your total super balance and personal circumstances.

If you'd like to understand how these changes could benefit you, contact the team at InFocus Hervey Bay for a conversation about your financial future.

📞 Get in touch today to discuss your options.

28/05/2026

Rainy day in Hervey Bay ☔🌴

Still out and about presenting to clients and helping people plan for the future — with a quick selfie in between appointments 📸😊

26/05/2026

Are your assets sitting just over the Centrelink limit? You may still have options available.

At InFocus Hervey Bay, we help clients explore strategies such as annuities that may assist in reducing assessable assets and improving Centrelink outcomes — while still keeping your retirement goals in focus.

Every situation is different, which is why personalised advice is so important. If you’re unsure where you stand or want to understand your options, our team is here to help.

📞 Contact InFocus Hervey Bay today to book a conversation and see what strategies may work for you.

14/05/2026

We’re proud to be a sponsor of the incredible BiziWomen Connect event, supporting a community that champions connection, collaboration, and women in business.

This is something Jenna was especially passionate about being a part of, and we’re so excited to support an event that aligns with the values of empowering and connecting women in business. A special shoutout as well to Wendy and all the amazing women clients and connections we’re lucky to work with every day.

Looking forward to a fantastic event filled with inspiration, networking, and opportunity. ✨

We’re proud to introduce one of our Emerald Sponsors for EmpowerHer Conference 2026.

Please join us in welcoming InFocus Financial Planning Hervey Bay.

InFocus is a team of dedicated financial professionals committed to helping people create a more secure, confident and fulfilling future.

With a strong focus on personalised service, they take the time to truly understand each client’s goals, values and circumstances - creating tailored financial strategies designed to support the life they want to live.

They specialise in retirement planning, helping clients navigate what can often feel like a complex and overwhelming stage with clarity, reassurance and practical advice.

What truly sets InFocus apart is their genuine, client-first approach. They don’t just provide financial advice, they build long-term relationships and support their clients to make informed decisions with confidence.

Their mission aligns beautifully with the heart of EmpowerHer, and we are incredibly grateful to have them supporting the 2026 event as an Emerald Sponsor.

💛 Go and show them some love and support a business that supports our community.

🎟 Don’t forget to grab your EmpowerHer ticket: https://www.biziwomenconnect.com/empowerherconference

13/05/2026

Adult children pay 17% tax on the taxable component of their parents superannuation. A re-contribution strategy can convert taxable components to tax free and remove the 17%.

The information provided is for educational purposes only and should not be considered personal financial advice. Everyone's situation is different so before acting on any of the content discussed. Please seek independent financial advice tailored to your specific circumstances.

13/05/2026

How are you supposed to get any work done when Blair decides your knee is the best office chair? 🐾💼

At InFocus, client meetings sometimes come with a little extra supervision, plenty of tail wags, and the occasional demand for pats before paperwork. Safe to say Blair takes his role as Chief Morale Officer very seriously!

11/05/2026

📣 PAYDAY SUPER IS COMING

From 1 July 2026, employers across Australia will begin paying super every payday, not quarterly. It’s called payday super, and it’s one of the biggest improvements to the super system in years.

💡 What is payday super?
Payday super means your employer must send your super contribution to your fund at the same time as your wages. No more waiting months for it to show up — your money starts working for you straight away.

🌱 Why it’s good news
Faster growth — Your super hits your account more often, giving it more time in the market.

Better visibility — You’ll see contributions in real time, making it easier to spot missed or late payments.

Less unpaid super — More frequent payments mean fewer chances for employers to fall behind.

More control — You’ll have a clearer picture of how your retirement savings are tracking.

📅 When does it start?
Payday super becomes mandatory 1 July 2026, though some employers may switch earlier.

🏖️ What this means for you
It’s a great time to check in on your super strategy — your fund, your investment mix, and your long‑term goals. Small tweaks today can make a big difference tomorrow.

If you’d like help reviewing your super or planning ahead, the InFocus Hervey Bay team is here to support you every step of the way.

07/05/2026

Over the last two days, the InFocus Hervey Bay team has been in Brisbane and the Sunshine Coast meeting with clients for their review meetings.

One of the most rewarding parts of what we do is building long-term relationships with the people and families we work with. Many of our clients are connected across generations and extended families, which gives us the opportunity to truly understand what matters most to them and support them through different stages of life.

We never take that trust for granted. Being invited into those conversations year after year is something we genuinely value, and it’s a big part of why we love what we do.

Thank you to all of our clients who took the time to meet with us this week — we always appreciate the opportunity to catch up and continue the journey together.