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Your Life Umbrella

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Australia
Mascot, NSW
Your Life Umbrella

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We help you make the most of your finances. Whatever stage of life you’re in. Based in Sydney's Inner West covering all Sydney.

We specialise in:

- Life Insurance Advice
- Superannuation Advice
- Investment Advice

Financial Services business located in Inner West Sydney servicing Australia wide. We do this by considering your circumstances, helping you to set goals, and developing a financial plan to get you there. We can even do the leg work for you, giving you have more time to enjoy life. At Your Life Umbrella, we have the expertise, the experience and the resources to help you get wealth, grow it and keep it safe. Just as importantly, we can help you enjoy it. Because real wealth is about making the most of what you’ve got whatever stage of life you’re in. We know financial advice is as much about lifestyle and relationships, as money – that’s why we pride ourselves on providing long-term, holistic advice, with our clients calling on us for financial advice time and time again as their circumstances change over the years. Since we opened in 2016, Your Life Umbrella has become one of Sydney's leading providers of advice. We are part of RI Advice Group, formerly RetireInvest, one of Australia's largest and longest-established financial advisory groups. Your Life Umbrella Pty Ltd and its advisers are Authorised Representatives of RI Advice Group PtyLtd, ABN 23 001 774 125 AFSL 238429. The information & advertising (including taxation) in and conducted by this business page does not consider your personal
circumstances and is of a general nature only - unless otherwise stated. You should not action the information provided without first obtaining professional advice specific to your
circumstances.

03/11/2026

Your golden years should be more than a wish. They should be a well-crafted plan! 🌟 Start building yours today.

Retirement isn't just a finish line. It's a brand-new chapter, and it's one worth preparing for. Maybe you're dreaming of travelling the world, spending more time with family, or finally enjoying true financial freedom. Whatever your vision, the key is to ensure your resources support it.

At Your Life Umbrella, we create retirement strategies tailored to you. We look at the full picture, including your superannuation, investments, and assets, so everything works together to support the lifestyle you've worked so hard for.

Don't leave tomorrow to chance. Let's build a roadmap that gives you clarity and confidence for the future you deserve. ☂️

📞 Message us or give us a call today to start planning!

27/10/2026

☔️ Sunny days are great. But what about when the storm hits?

At Your Life Umbrella, we help you prepare for both. Whether you're just starting out, growing your family, or planning for retirement, we create financial strategies that cover every angle of your life, from life insurance to SMSF solutions.

Because when life throws you a curveball, you'll want an umbrella.

💬 Drop a comment or send us a message to start building your financial plan today!

20/10/2026

Major SMSF Property Changes: What You Need to Know 👇

Considering using your superannuation to invest in property? The government has just overhauled the rules — and the changes are significant.

Here's a clear breakdown of the new legislation taking effect in June 2026:

❌ The Ban: No New Residential Borrowing SMSFs are now prohibited from taking out new loans to purchase residential investment properties. While SMSFs have never permitted members to personally occupy a fund-owned property, the ability to borrow for standard residential rentals has now been removed entirely.

✅ The Opportunity: Commercial Property Remains an Option Borrowing through your SMSF to acquire commercial real estate is still permitted. For business owners looking to purchase their own office, warehouse, or retail space and lease it back to their business, this continues to be a powerful and legitimate wealth-creation strategy.

🛡️ Already Have a Loan? You're Protected If your SMSF currently holds a residential property loan, there's no need to worry. Existing loans are grandfathered under the new legislation and remain fully protected.

How will these changes affect your wealth or retirement strategy? Drop a comment below, I'd love to help you think through how to navigate the new landscape. 💬👇

13/10/2026

Navigating aged care decisions can feel overwhelming, especially when the family home and finances are involved. 💙

You don't have to figure it out alone. Our experienced team will walk you through your options and help you find the best care solution for your loved one.

Reach out today for the guidance and peace of mind you deserve. 👇

06/10/2026

What would happen to your family if the unexpected happened tomorrow? 💭

It's not an easy question, but it's worth asking.

Life insurance means your family can stay in their home, keep up with school fees, and maintain their lifestyle, no matter what life throws at them. At Your Life Umbrella, we work with families across Sydney to create tailored life insurance strategies that protect what matters most.

No cookie-cutter solutions. Just genuine advice that fits your life.

Because your family deserves more than hope, they deserve certainty. 💙

Drop us a message or contact us to start building your family's safety net today. 👇

29/09/2026

At the heart of what we do is helping our clients enjoy the rewards of their hard work. Financial planning isn't just about saving for retirement, it's about making room for the experiences that matter along the way. Whether it's a dream holiday, a new car, a boat, funding an education, or celebrating a wedding, we're here to help you make it happen. You decide what's important; we'll help you get there. Get in touch with us today to take the first step.

22/09/2026

Facing aged care decisions for a loved one? You're not alone. Many families assume that selling the family home is their only option, but it doesn't have to be. At Your Life Umbrella, we specialise in helping families navigate the complexities of aged care financing. Our experienced team will walk you through your options, so you can focus on what truly matters: finding the right care for your loved one.

Your family's peace of mind is our priority. Ready to explore your choices? Let's talk. ☂️💙

15/09/2026

The 2026 SMSF new rules: everything you need to know 👇

Thinking of using your super to buy property? The government just flipped the script and if you're not across these changes, you could be leaving serious money on the table.

Here's your no-fluff breakdown of the new June 2026 legislation:

THE BAN: Residential borrowing is officially dead. SMSFs are now BANNED from taking out new loans to purchase residential investment properties. And just to be clear, you've never been able to live in an SMSF property personally, but now you can't even borrow to buy a standard residential rental. That door is firmly closed.

THE OPPORTUNITY: Commercial property is still very much alive. Here's the good news — you CAN still borrow through your SMSF to buy commercial real estate. For business owners looking to purchase their own office, warehouse, or retail space and lease it back to their business, this remains one of the most powerful wealth-creation strategies available. Don't sleep on this one.

ALREADY HOLDING A RESIDENTIAL LOAN IN YOUR SMSF? Take a breath. Existing loans are grandfathered and fully protected. No forced sales, no sudden changes — you're covered.

So, does this shake up your wealth or retirement strategy? Drop a comment below — let's talk through what this means for YOU and how to make the most of what's still on the table. 💬👇

08/09/2026

Ever thought about how life would change for your family if you weren’t around? 🕊️ Let's be real: life is unpredictable, and that’s where life insurance steps in as a safety net.

Life insurance provides financial security, ensuring loved ones aren’t left in the lurch while managing debts and daily expenses. Think of it as a comforting umbrella during a financial downpour.

Imagine the peace of mind knowing your family won’t struggle financially. It’s like wrapping them in a warm blanket, even when you’re not there.

Have you considered your current financial responsibilities? Think about the impact if life insurance wasn’t part of your plan. It’s about safeguarding their future, now.

Explore your options today and secure your family’s tomorrow. 🌟 Contact us for a chat.

Have you thought about life insurance recently? Share your thoughts!

01/09/2026

What does your dream retirement look like? 🌟

Travelling the world? Spending more time with loved ones? Achieving true financial freedom? Whatever your vision, retirement isn't just a finish line; it's an exciting new chapter that deserves a solid plan.

At Your Life Umbrella, we don't believe in one-size-fits-all strategies. We take a full look at your superannuation, investments, and assets to craft a retirement plan as unique as you are, one that turns your dreams into reality.

The future you've worked so hard for is nearer than you think. Let's make sure you're ready for it. ☂️

📞 Reach out today and let's start building your roadmap to retirement.

Address

Mascot, NSW
2020

Opening Hours

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

Telephone

+61410888838

Website

http://www.yourlifeumbrella.com.au/

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