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Helping you grow wealth, protect your income, and gain financial clarity - one smart decision at a time.

Financial Advisers based in Perth and Brisbane,
Advising Clients Australia-wide

16/10/2026

A worrying message about your super can feel convincing, especially when it looks or sounds like someone you trust.

NAB reported a 389% jump in estimated losses from super-related investment scams between October 2025 and July 2026. Around two-thirds of those cases involved cryptocurrency. AI deepfakes can make fake investment pitches look like they’re coming from a trusted public figure or adviser.

If someone urges you to move your super, promises guaranteed returns or says you need to act now, take a breath. A convincing video isn’t proof.

Don’t click links or use the contact details in the message. Check directly with your super fund using its official website or app, and get independent advice before making a major move.

Already transferred money? Contact your bank and super fund straight away, and report it to Scamwatch.

Share this with someone planning their retirement. General information only, not personal financial advice.

13/09/2026

𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝗻 𝗿𝗲𝗮𝗹𝗶𝘁𝘆 - 𝟲 𝗺𝗼𝗻𝘁𝗵𝘀 𝗶𝗻
Is retirement really an identity crisis, or is something else at play? New insights challenge conventional thinking and reveal why some retirees struggle to fully embrace life after work.
https://www.firstlinks.com.au/retirement-in-reality-6-months-in

12/09/2026

𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝗙𝗶𝗿𝘀𝘁𝗹𝗶𝗻𝗸𝘀 𝗘𝗱𝗶𝘁𝗶𝗼𝗻 𝟲𝟳𝟳 𝘄𝗶𝘁𝗵 𝘄𝗲𝗲𝗸𝗲𝗻𝗱 𝘂𝗽𝗱𝗮𝘁𝗲
At what point does a person's home become a public policy asset? Here are my thoughts on the great downsizing debate.
https://www.firstlinks.com.au/welcome-firstlinks-edition-677

11/09/2026

𝗠𝗲𝗴 𝗼𝗻 𝗦𝗠𝗦𝗙𝘀: 𝗪𝗵𝗮𝘁 𝗱𝗼 𝘄𝗲 𝘁𝗵𝗶𝗻𝗸 𝗮𝗯𝗼𝘂𝘁 𝗿𝗲𝘃𝗲𝗿𝘀𝗶𝗼𝗻𝗮𝗿𝘆 𝗽𝗲𝗻𝘀𝗶𝗼𝗻𝘀 𝘁𝗵𝗲𝘀𝗲 𝗱𝗮𝘆𝘀?
Reversionary pensions have long been a staple of SMSF estate planning, but are they still the best option? Meg Heffron revisits a once-clear favourite and asks whether changing super rules have shifted the balance.
https://www.firstlinks.com.au/meg-on-smsfs-what-do-we-think-about-reversionary-pensions-these-days

10/09/2026

𝗧𝗵𝗲 𝗮𝗴𝗲𝗶𝗻𝗴 ‘𝗰𝗿𝗶𝘀𝗶𝘀’ 𝗵𝗮𝘀 𝗻𝗼𝘁 𝗮𝗻𝗱 𝘄𝗶𝗹𝗹 𝗻𝗼𝘁 𝗵𝗮𝗽𝗽𝗲𝗻
Rising age dependency is frequently treated as a warning sign for economies. But when actual workforce participation is examined, a strikingly different picture emerges about ageing, productivity and economic sustainability.
https://www.firstlinks.com.au/the-ageing-crisis-has-not-and-will-not-happen

09/09/2026

𝗛𝗼𝘄 𝗱𝗼𝗲𝘀 𝘁𝗵𝗲 𝟰% 𝗿𝘂𝗹𝗲 𝘀𝘁𝗮𝗰𝗸 𝘂𝗽?
The 4% rule has long been retirement's gold standard. But after a difficult period for investors, fresh analysis suggests a more conservative approach may significantly improve the chances of making savings last.
https://www.firstlinks.com.au/how-does-the-4-percent-rule-stack-up

08/09/2026

𝗙𝗼𝘂𝗿 𝗰𝗵𝗮𝗿𝘁𝘀 𝘁𝗵𝗮𝘁 𝗲𝘅𝗽𝗼𝘀𝗲 𝗺𝗮𝗿𝗸𝗲𝘁 𝗰𝗼𝗻𝗰𝗲𝗻𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗿𝗶𝘀𝗸
Investors have recently been rewarded for backing market leaders, but history suggests this eventually comes at a cost. Now may be the time to review whether your portfolio is carrying unintended risks beneath the surface.
https://www.firstlinks.com.au/four-charts-that-expose-market-concentration-risk

07/09/2026

𝗧𝗵𝗲 𝗰𝗮𝘀𝗲 𝗳𝗼𝗿 𝗴𝗲𝗮𝗿𝗶𝗻𝗴 𝗯𝗲𝘆𝗼𝗻𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆
Most Australians gear into property but ignore shares. That may be a mistake. Used carefully, geared equity strategies can enhance long-term returns, reduce cash tied up in growth assets and support retirement income goals.
https://www.firstlinks.com.au/the-case-for-gearing-beyond-property

06/09/2026

𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮'𝘀 $𝟭 𝘁𝗿𝗶𝗹𝗹𝗶𝗼𝗻 𝗱𝗲𝗯𝘁 𝗽𝗶𝗹𝗲
The headlines exclaiming that Australian government debt has hit A$1 trillion and US government debt has hit $40 trillion has turned heads, but how serious are they really? Will Australia's mix of debt create challenges?
https://www.firstlinks.com.au/australias-1-trillion-dollar-debt-pile

05/09/2026

𝗛𝗮𝘀 𝟭𝟬𝟬 𝘆𝗲𝗮𝗿𝘀 𝗼𝗳 𝗴𝗿𝗼𝘄𝘁𝗵 𝗺𝗮𝗱𝗲 𝘂𝘀 𝗮𝗻𝘆 𝗵𝗮𝗽𝗽𝗶𝗲𝗿?
For decades, GDP has been the benchmark for economic success, but has it made us materially happier? If happiness does not rise in lockstep with prosperity, are we overlooking what constitutes a successful society?
https://www.firstlinks.com.au/has-100-years-of-growth-made-us-any-happier

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