PLM Financial Group

08/09/2026

An important upcoming change to the treatment of credit card surcharges following the industry-wide card surcharge ban is taking effect from 1 October 2026. From this date, businesses in Australia will no longer be permitted to apply a separate surcharge to eligible card payments.

The three designated card networks, eftpos, Mastercard and Visa, have each decided to introduce ‘no-surcharge’ rules from 1 October 2026.

The changes only apply to surcharges added because a customer pays by card. They do not apply to weekend surcharges, public holiday surcharges, or booking fees or service fees.

Further information is available on the RBA website:

Frequently asked questions about Card Payments Regulation

03/08/2026

Budget changes can change the investment equation for property owners. Our latest blog looks at the recent tax changes and whether long-term wealth planning strategies should shift toward superannuation.

Budget changes can alter the maths for property investors. Should more long-term wealth planning shift towards superannuation?

04/07/2026

Teach your children money skills that last a lifetime. Our latest blog explains practical ways to introduce financial concepts to children, build healthy money habits, and set them up for future success.

Read more: https://www.plmfinancialgroup.com.au/post/empowering-future-generations-how-financial-education-for-children-builds-wealth-and-understanding

Teach your children about money and set the foundations for their future success.

14/04/2026

📉 Market Volatility = No Time to Panic 📈
Periods of global uncertainty can be unsettling, and it’s completely normal to feel anxious when markets swing sharply. But history has shown us one consistent truth: emotional reactions often do more damage to long‑term wealth than the volatility itself.
✅ Successful financial planning is built for uncertain times
✅ Diversification and a long‑term strategy help smooth short‑term noise
✅ Staying invested according to your plan beats trying to time the market

Headline news can change daily. Your financial goals—retirement, family security, freedom of choice—are long‑term. That’s why your strategy should be too.

👉 If recent market movements have raised questions or concerns, now is a great time to get professional financial advice.

📲 Book a confidential, no‑obligation chat to review your plan, stress‑test your portfolio, and ensure your strategy still aligns with your goals.

Calm planning beats panic—every time.

19/12/2025

01/12/2025

The festive season is a time to check in on family.

When catching up with family this festive season, take the time to keep an eye on parents or older family members. Are they managing everyday tasks with ease? While this time of year can be full of joy, it can also be a good time to gently check how they’re coping.

It’s not about confronting them or making them feel uncomfortable; it’s about showing care and offering support. A quiet conversation in a calm setting (away from the tinsel and gifts) can open the door to discussing any challenges an older person may be facing.

If you notice signs that your loved one may need extra support, don’t worry—help is available. We’re here to guide you through the next steps to understand aged care options, the steps you need to take and importantly, how to fund the costs. Contact us today to start planning for their aged care needs.

Click below to read the full article on our website:

The festive season brings families together from near and far. If you notice signs that an older family member is experiencing the declines of ageing, be observant and take the opportunity to start a conversation.

08/09/2025

Deeming rates are on the rise starting September 20, 2025. If you are receiving the Age Pension, or are a self funded retiree utilising aged care services (including home care), this change could affect you. Learn more about what this means for you or your loved one by reading our latest article:

Deeming Rates are rising on the 20th September 2025. If you are a self funded retiree, receive the Age Pension or are utilising aged care services (including home care), these changes may have a significant effect on you or your loved one.

27/06/2025

Thinking about retirement? 🌅

Plan for your financial milestones now so you can relax and enjoy your retirement, free from financial worry.
Discover how to prepare effectively @

As you move into your 50s and 60s, thoughts of retirement can fill your mind with both excitement and uncertainty. This is a unique time to rethink your priorities, explore new opportunities, and think about what you truly desire for your future. Whether it's traveling to new countries, diving into....

07/04/2025

Today's market turbulence has seen significant drops across major indices. It's natural to feel anxious during times like these, but it's crucial to remember the importance of not panic selling. Selling in a panic can lock in losses and prevent you from benefiting when the market recovers.

Instead, stay calm and stick to your long-term investment strategy. Remember, market downturns are a normal part of the investment journey and often present opportunities for growth in the future.

If you're feeling anxious or uncertain about your investments, give us a call. We're here to provide the guidance and support you need to keep your financial goals on track. Feel free to contact us anytime for a review of your portfolio or just to talk through your concerns.

Stay the course and avoid panic selling.

04/04/2025

You may have heard about the recent cyberattacks on several Australian superannuation funds, including AustralianSuper, Rest, Australian Retirement Trust, HostPlus and Insignia. It's a reminder of the importance of securing online accounts.

🔒 Why Two-Factor Authentication (2FA) Matters 🔒
Two-factor authentication (2FA) adds an extra layer of security to your accounts by requiring not just your password, but also a second form of verification, like a code sent to your phone or authenticator app. This makes it much harder for hackers to gain access, even if they have your password.

Here are some key benefits:
• Enhanced Security: Reduces the risk of unauthorised access.
• Protection Against Phishing: Even if your password is compromised, the second factor helps to keep your account safe.
• User-Friendly: Modern 2FA methods are easy to use and integrate seamlessly with your devices.

🔑 Keep Your Passwords Up to Date 🔑
• Use Strong, Unique Passwords: Combine letters, numbers, and special characters.
• Avoid Reusing Passwords: Each account should have a unique password.
• Consider a Password Manager: These tools can generate and store complex passwords for you.

💼 Get Professional Advice 💼
Financial Planners can add an extra layer of security to your accounts and help you manage financial risks.

Please contact us if you have any questions or concerns.

CyberSecurity

Send a message to learn more