Retire Well With Rach

Retire Well With Rach I'm a financial advisor and I love to talk about money!

If you want to learn about budgeting, investing and strategies to maximise your financial future, you've come to the right place.

That pay rise you just got. You can either use it to upgrade life now (most people do this) or use it to upgrade your fu...
24/08/2026

That pay rise you just got. You can either use it to upgrade life now (most people do this) or use it to upgrade your future. Investing small amounts often is what creates wealth. It’s not one instant event. It takes consistency and time. Start yesterday and if you didn’t start yesterday, start tomorrow.

04/08/2026

Aged care advice is a lot! There’s a lot to consider at a time when emotional stress and strain is at it highest for people providing the care. The stress about money and cashflow to find the care fees and accomodation only makes it harder. If you need someone to help you navigate all of this, I’m here to help.

28/07/2026

I guess that’s the benefit of workplace diversification? We’ve got several generations in our office and sometimes perspectives and opinions are very different! But we all respect each other enough to voice our opinions for healthy debate ☺️

21/07/2026

Too rich for the Age Pension? You may qualify for the Commonwealth Seniors Health Care Card instead

11/07/2026

Centrelink means testing update to cut off thresholds for pensions from 01.07.2026

Many Australians don’t realise that once their total super balance exceeds $500,000, they may lose access to carry-forwa...
15/06/2026

Many Australians don’t realise that once their total super balance exceeds $500,000, they may lose access to carry-forward concessional contributions.

If your balance is approaching the threshold, this financial year could be your last chance to utilise unused contribution caps from previous years and potentially reduce your tax bill.

Before making any contribution decisions, check your eligibility and obtain professional advice. General advice warning: I have not taken your personal circumstances into account. Pleasers consider your own personal circumstances before making any financial decisions.

11/06/2026

Hey Rach, you’re a financial planner, do you have a budget?
General advice only: I have not taken your personal circumstances into account. Please consider whether this is appropriate for you before acting

07/06/2026

17% return on an investment? That’s exactly what making a super concessional contribution could do for you! The 17% return is the tax saving. Catch is you have to wait until you can access your super funds! 😭 ultimate delayed gratification!

03/06/2026

Inheritance tax has been thrown around a bit since budget night. But did you know that you’re super may get taxed before being passed onto your kids one day? A super death tax if you will. Financial advisers can help you navigate this tax to see if it’s something you can reduce in your overall plan

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Newcastle, NSW
2300

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