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With over 20 years of combined experience in the Banking & Financial services industry.

27/10/2026

Choosing a financial planner is one of the harder decisions to make from the outside — you're trusting someone before you've really seen them work. So we set out to write the checklist we'd want a family member to use, not a sales pitch dressed up as one. If you're weighing up advisers in Melbourne, it's worth ten minutes.

Read the full guide → https://loom.ly/IqPWZi8

22/10/2026

Before you trust anyone with your retirement plan, there's a two-minute check worth doing.

The Financial Advisers Register, on the government's Moneysmart website, lets you search any adviser by name and see their qualifications, licensee, authorisations and any disciplinary history. If someone offering personal financial advice isn't listed, that's a serious red flag. This applies to every adviser you might consider — including us.

Read the full guide → https://loom.ly/IqPWZi8

21/10/2026

Turned 60 and still working full-time? A Transition to Retirement income stream could let you work fewer days without losing income, and from 60 it's generally tax-free.

Our full explainer is here: https://loom.ly/5-8oGWM

13/10/2026

Do you have to sell the family home for aged care? The answer surprises most families.

The former home is treated in a particular way in the means assessment — its assessable value is capped rather than counted in full, and in some circumstances it may be exempt altogether. How you fund accommodation interacts with whether the home is kept, rented or sold, and each path has different consequences.

We walk through how to think about this properly in the full guide.

Read the full guide → https://loom.ly/sHKlcgA

06/10/2026

Staying at home is usually the cheaper way into aged care — and it's the path most families overlook.

Home care avoids the residential basic daily fee and any accommodation payment, so it's usually less expensive out of pocket than residential care for someone with similar needs. Understanding this pathway well before residential care becomes the only option is genuinely worth doing early.

We explain both pathways, and how the costs compare, in the full guide.

Read the full guide → https://loom.ly/sHKlcgA

15/09/2026

If someone offers to help you 'unlock' your super early, that's not tax minimisation — it's illegal.

Illegal early release schemes are a persistent problem, and accessing super outside the legal conditions of release carries serious penalties — for you, not just the promoter. Legitimate tax planning uses the concessions the system already provides. It never involves getting around your super's access rules.

We cover what genuine tax planning looks like in the full guide.

Read the full guide → https://loom.ly/Tw2onWc

08/09/2026

Didn't use your full super contribution cap in past years? You may be able to catch up in one go.

The carry-forward rule lets you use unused concessional cap amounts from the past five years, provided your total super balance was under $500,000 at the last 30 June. It's one of the most underused concessions in the system — genuinely useful if you've had a career break, variable income, or a higher-income year you'd like to offset.

Whether it applies to you depends on your own numbers — we cover exactly how in the full guide.

Read the full guide → https://loom.ly/Tw2onWc

01/09/2026

You can access your super at 60. The Age Pension doesn't start until 67. What fills the seven years in between?

If you stop working at 60, your super and other savings may be your sole source of income until you reach Age Pension age. Bridging that gap deliberately — rather than assuming it will sort itself out — is one of the most important pieces of a retirement plan. We walk through how to think about it properly in our full guide.

Read the article ➡️ https://loom.ly/ydlCjHc

26/08/2026

Still planning around accessing your super at 55?

That rule hasn't applied for years. Preservation age used to depend on your date of birth, and for people born before July 1960 it was 55. That transition finished years ago. Today, preservation age is 60 for everyone — no exceptions.

If your plan is still built around the old number, it's worth a second look.

Read the full guide ➡️ https://loom.ly/ydlCjHc

12/08/2026

Still in the super investment option your employer chose for you years ago? For a large proportion of Australians in their 50s, that "safe" default balanced or conservative option is actually one of the costliest mistakes we see in the lead-up to retirement. If you're planning to retire in five years, your money still needs to last 30 — and being too conservative now is a financial risk, not a safety net.

We've written a full guide covering this mistake and six others we've seen consistently over years of financial advice — specific to Melbourne pre-retirees, and a five-minute read.

Read it here ➡️ https://loom.ly/hz2oEGY

Address

Suite 2. 04, 202 Jells Road
Melbourne, VIC
3150

Website

http://www.radiancewealth.com.au/

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