Creo Wealth

Creo Wealth Searching for a secure financial future? Whether you’re a budgeting beginner or financially cruising along, we can help.

At Creo Wealth, we’re all about empowering you, whether you’re young or old. Acquiring wealth shouldn't just be for the wealthy. You deserve more than spending a life chasing your dream life, you deserve to live it

03/06/2026

When people have multiple debts, one of the first things we look at is the interest rate.

Not all debt costs the same.

A credit card might be charging 20% or more, while a personal loan may be significantly lower.

That means the most expensive debt is usually the one costing you the most every single month.

In many cases, paying extra towards the highest interest debt first can make a real difference.

Even small additional repayments can start reducing the amount outstanding and the interest being charged.

And one thing I always tell clients is this.

Money decisions work best when they’re made as a team.

Sit down together, talk about your priorities, and decide where you might redirect some spending for a while.

Sometimes it’s as simple as delaying a holiday or reducing a few expenses temporarily to clear a credit card faster.

Small steps can make a big difference over time.

If you'd like help creating a plan to reduce debt and improve your financial position, book an obligation-free chat or give us a call on (02) 9629 1866.

This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

The sandwich generation isn't a phase. It's a fork in the road.You're managing your parents' medical appointments, your ...
02/06/2026

The sandwich generation isn't a phase. It's a fork in the road.

You're managing your parents' medical appointments, your kids' schedules, and somewhere in the middle, your own retirement plan is gathering dust.

Most people don't even realise they're in it until they're already exhausted.

If you're feeling the pull from both sides, the worst thing you can do is keep winging it. A clear plan won't fix the emotional load, but it will take the financial guesswork off the table.

Save this for when you have five quiet minutes to actually think about it.

01/06/2026

This one started as a very normal review.
Until one sentence stopped me mid-conversation.

“My income’s actually better than I expected.”

That raised an eyebrow.

He thought he was receiving the carer allowance – around $158–$162 a fortnight, which was correct.

What he was actually receiving was closer to $800 a fortnight.

Here’s what mattered:

• He applied online
• He provided the right information
• He kept copies of everything
• Centrelink entered the details incorrectly

When the mistake was identified, the payments stopped immediately.
And because the error wasn’t his – and he could prove it – he didn’t have to repay 12 months of payments.

Same situation.
Same income.
Different paperwork?
That story could have ended very differently.

Takeaway:
If you deal with Centrelink, keep records of everything.
Because when something goes wrong, the paper trail matters more than opinions.

This information is general advice. We have not considered your objectives, personal or financial
circumstances. You should consider the appropriateness of the advice for your circumstances
before making any decision.

Payday Super Starts 1 Jul 2026. Super isn’t just “extra money”. It’s your future income.And Australia’s new Payday Super...
29/05/2026

Payday Super Starts 1 Jul 2026.

Super isn’t just “extra money”. It’s your future income.
And Australia’s new Payday Super law is designed to protect exactly that.

Starting 1 July 2026, employers will have to pay your super at the same time as your wages, instead of quarterly.

That means:
✔️ No more long waits for contributions
✔️ Less chance of unpaid or missing super
✔️ More money invested earlier = stronger long-term
growth
✔️ Better transparency for everyday workers

This change is especially important for casual workers, women, and anyone who's ever had super paid late (or not at all).

If you’re unsure what this means for your pay, your retirement savings, or your financial goals, we’re here to help break it down and make the next steps clear.

Your super deserves to grow, not get lost in the system.
Send us a message if you want help understanding how Payday Super impacts your finances or if you're ready to get your retirement strategy on track.

This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

28/05/2026

Ever jumped in the car, started driving… and realised you don’t actually know where you’re headed?

That’s how a lot of people treat their finances.

They’re earning.
They’re spending.
They’re maybe even saving.

But they haven’t defined the destination.

Is it:
• An investment property?
• A comfortable retirement?
• Annual holidays without touching the credit card?
• Helping the kids into their first home?

Until you’re clear on the goal, it’s almost impossible to build the right strategy.

If you’d like help defining your financial goals and building a plan around them, book an obligation-free chat or give us a call on (02) 9629 1866 and see how we can help you create and protect your wealth.

This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

27/05/2026

When it comes to planning for retirement, every dollar counts.

Recently, we achieved a fantastic outcome for a couple by saving them a huge amount on their taxes.

Here's how we turned a daunting tax situation into a significant win:

Our clients had recently retired and sold an investment property. Their primary goal was to generate a
sustainable income to support themselves during retirement since they were no longer receiving rental
income. However, they faced a significant challenge: a huge capital gains tax totaling $130,000 from the sale of their property.

Capital gains tax can be a hefty expense, especially when selling high-value assets like real estate. For
retirees on a fixed income, this substantial tax obligation could significantly deplete the resources
meant for their retirement.

By examining their situation, we identified an opportunity to use their superannuation to reduce the
capital gains tax burden. Superannuation, a system in place for retirement savings, can offer certain tax
advantages that make a significant difference in scenarios like this.

Through careful planning and strategic use of their superannuation, we successfully reduced the capital
gains tax they owed. In practical terms, we managed to save them approximately $65,400. This amount wasn't just a number—it represented their financial freedom for the immediate future.

This post is intended to provide general information only and the information has been prepared without
taking into account any particular person's objectives, financial situation or needs.

26/05/2026

The right first question is:
What kind of life do you want?

Retirement planning starts with lifestyle.
Then we reverse engineer the numbers.

If you’re thinking about retirement in the next 10 years, now is the right time to plan.

Call (02) 9629 1866.

This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

25/05/2026

They came in worried.
Mid-30s. Good income. No savings. Credit card debt climbing.

Between them, they were earning around $150k…
and genuinely couldn’t tell me where the money was going.

That’s always the red flag. 🚩

Not because they were “bad with money”.
But because without visibility, money leaks everywhere.

So we didn’t start with investing.
Or cutting lattes.
Or fancy spreadsheets.

We started with one simple thing:
👉 seeing the last three months clearly.

What showed up?
• Forgotten subscriptions
• Old insurance policies never reviewed
• Utilities quietly creeping up
• Direct debits doing their thing in the background

Once the money had a job, things shifted.
Debt started coming down.
Savings started showing up.
Stress dropped.

A year later, their credit card was almost gone.
And they finally felt in control.

If you’ve ever thought, “We earn good money… so why does it feel tight?”
This is usually why.

This is general information only and not financial advice.
Everyone’s situation is different, and what works for one family may not work for another.

22/05/2026

Everyone asks:
“How much do I need to retire?”

Here’s the honest answer 👇
There isn’t one number.

Your retirement plan shouldn’t be built around a headline figure or what your mate reckons is “enough”.
It should be built around what you actually want your life to look like.

• Travel every year or stay close to home
• Caravan trips or overseas flights
• Grandkids, concerts, sport, slow mornings
• Busy and adventurous or calm and simple

Same savings. Very different retirements.

Start with the dream.
Then we work out the numbers that support it.

This information is general advice. We have not considered your objectives, personal or financial
circumstances. You should consider the appropriateness of the advice for your circumstances
before making any decision.

After more than 25 years in financial planning, the biggest money mistakes I see are rarely reckless ones.Most people ar...
21/05/2026

After more than 25 years in financial planning, the biggest money mistakes I see are rarely reckless ones.

Most people aren’t making wild investment decisions or taking huge financial risks.

The more common mistakes are quieter.

Putting off retirement planning for another year.

Avoiding decisions because the information feels overwhelming.

Or assuming financial advice is only for people with large amounts of wealth.

In many cases, the biggest financial improvements simply start with a conversation and a clear plan.

If you're starting to think more seriously about retirement, or helping a parent navigate aged care decisions, getting the right advice early can make a big difference.

Book an obligation-free chat or give us a call on (02) 9629 1866 to see how we can help.

This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

Address

Level 3/331 High Street
Penrith, NSW
2750

Opening Hours

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

Telephone

+61296291866

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