UNIQsol

20/10/2026

A Transition to Retirement (TTR) strategy lets you access some super and keep working.

📖Learn about the pros and cons of using a TTR to reduce your work hours.

13/10/2026

Your annual statement isn't just a snapshot of your super over the past year – it's a chance to make sure you're still on track for retirement.
Spending a few minutes reviewing your statement now could help you feel more confident about your future.

09/10/2026

💰 Will I pay Capital Gains Tax on my inheritance?

Have you recently received or are you about to receive an inheritance?

Receiving an inheritance can come with a lot to consider, particularly when it includes assets such as property, shares or investments.

If you later sell an inherited asset, Capital Gains Tax (CGT) may apply, depending on a range of factors, including when the asset was acquired, its value and how it has been used.

Understanding the CGT considerations before you sell can help you make informed decisions and avoid unexpected surprises.

💡 Received an inheritance? Know the tax implications before making your next move.
https://www.capstonefp.com.au/news/will-i-pay-capital-gains-tax-on-my-inheritance/

In Australia, special capital gains tax (CGT) rules apply to the transfer of assets from a deceased estate. The most common types of capital gains assets are property, shares and managed funds. You may have just received, or are about to receive, an inheritance. While this article provides a general...

06/10/2026

🛺 What would you do if you could retire tomorrow?

Would you travel? Spend more time with family? Pursue a passion you’ve put on hold? Or simply enjoy having more freedom and flexibility?

For many of us, imagining retirement isn’t the hard part.

The bigger question is: Would you feel ready for it?

Understanding where you are financially today is the first step towards taking control of where you want to be tomorrow.

💡 Your retirement is too important to leave to chance.

Take control of your future.
📞 Call us today to book a meeting.

Not in ten years' time. Not when you've finished paying off the mortgage. Tomorrow. For many of us, imagining retirement isn't the hard part. Whether we'd feel ready for it is another question entirely. A 2026 Real Retirement Report found that 54% of Australians say financial independence and having...

01/10/2026

OFFICE CLOSURE – LONG WEEKEND

Our office will be closed Monday, 5 October 2026, for the Kings Birthday Long Weekend.

We will reopen Tuesday, 6 October 2026 from 8:00 am and will respond to any messages or emails upon our return.

29/09/2026

🌿 How much super do I need to retire at 60?

It’s one of the biggest questions people ask as retirement gets closer.

The answer? There’s no one-size-fits-all number.

Your lifestyle, goals, spending needs and personal circumstances will all play a part in determining how much you may need for the retirement you want.

The good news is, if you’re still working, there may be ways to boost your super before retirement and put yourself in a stronger position for the years ahead.

💡 Want to know where you stand?

📞 Call us today to book a meeting with one of our Financial Advisers and start planning for the retirement you want.

Learn more about your super and the strategies that may help you prepare for retirement. https://www.capstonefp.com.au/news/how-much-super-do-i-need-to-retire-at-60/

22/09/2026

💡 Making money through the sharing economy? Don’t forget the admin!

From ride-sharing and short-term rentals to freelancing and offering your skills online, the sharing economy has become a big part of everyday life.

Whether you’re earning a little extra on the side or it’s become your main source of income, there are some important admin tasks you shouldn’t overlook.

📌 Keep accurate records of your income and expenses
📌 Understand your tax obligations
📌 Keep receipts and supporting documents
📌 Set aside money for tax
📌 Know when you may need to register for GST

A little organisation now can save you a lot of headaches later. 😉

15/09/2026

🌿 Still working, but thinking about retirement?

Retirement doesn’t have to be an all-or-nothing decision.

If you’re 60 or over and still working, a Transition to Retirement (TTR) strategy may allow you to access part of your super while continuing to work.

It could be a way to ease into retirement, create greater flexibility and make the most of your super as you transition into your next chapter.

💡 Wondering if a TTR strategy could work for you?

Contact our team to find out if you’re eligible and whether a TTR strategy is right for your circumstances.

📞 07 4192 8900 | Option 2

08/09/2026

🔐 Tips for Staying Safe Online

Scams are becoming increasingly sophisticated, but knowing the warning signs can help protect you and your finances.

🚩 Watch out for:
• Investment offers promising high returns with little or no risk
• Unsolicited calls, emails or social media messages about investments
• Pressure to “act fast” or fear of missing out
• People claiming to be financial advisers, stockbrokers or representatives of trusted organisations
• Requests to provide passwords, security codes, bank or personal details
• Anyone asking you to install software or give them remote access to your computer or device
• Suspicious links in emails or SMS messages asking you to log in or provide information

🛡️ Protect yourself:
✔️ Stop and take your time before making any financial decision.
✔️ Independently research the company or investment opportunity.
✔️ Check that financial organisations and advisers are appropriately registered.
✔️ Never share passwords, security codes or sensitive personal information.
✔️ Don’t click unexpected links — contact the organisation using an official phone number or website.
✔️ If something doesn’t feel right, talk to someone you trust before taking action.

Remember: if it sounds too good to be true, it probably is.

Stay alert. Stop. Check. Protect yourself. 💻🔒

Click the link to read more https://www.capstonefp.com.au/news/tips-for-staying-safe-online/

01/09/2026

💰 Super Fund Fees Explained

Do you know what you’re paying for?

Super fund fees cover the costs of managing your account and investments. They can include:

🔹 Administration fees – running your account and member services
🔹 Investment fees – managing your investments
🔹 Performance fees – may apply when investments outperform a benchmark
🔹 Buy/sell spreads – costs associated with investment transactions
🔹 Insurance premiums – if you have insurance through your super

Why do fees matter? 📈

Super is a long-term investment, so even small differences in fees can add up over time and affect your retirement balance.

But cheapest doesn’t always mean best. When comparing funds, consider the total fees, investment option, insurance and, importantly, the performance you receive after fees and costs.

💡 A good first step: Check your latest super statement and see what you’re paying.

Understanding your fees means understanding your super and can help you make more informed decisions about your financial future.

🔗 Click the link below to read the full article https://www.capstonefp.com.au/news/super-fund-fees-explained/

What are super fund fees? Super fund fees are the costs charged to manage your account and the investments your money is held in. They can cover running your account, managing investment options, processing transactions and providing services like insurance or advice. Some fees are deducted directly...