Ultimum Financial

01/10/2026

When a relationship ends, your superannuation doesn't get ignored. Under Australian family law, super is considered part of the property pool and may be divided between separating partners as part of a property settlement. Learn more. https://ultimumfinancial.com/insights/divorce-and-your-super

Separating from a partner is one of the most significant changes many people experience. Alongside the emotional impact, there are often practical decisions to make about housing, finances and future plans. One area that frequently causes confusion is superannuation. For many Australians, super is

01/10/2026

What happens to your money, assets and loved ones when you’re no longer here? Estate planning brings together your legal, financial and personal arrangements so your wishes are clearly understood. A well prepared plan can provide clarity and confidence when it matters most. To learn more, click here https://ultimumfinancial.com/insights/estate-planning-in-retirement-what-you-need-to-know

Why is estate planning important in retirement? When planning for retirement, many people focus on whether they have enough money to support their lifestyle. But another important question is: What happens to your money, assets and loved ones when you’re no longer here? Estate planning helps ans

01/10/2026

Retirement isn't a fixed destination. What you want from retirement today may look very different from what you imagined a few years ago. It's worth checking in on your retirement goals from time to time. https://ultimumfinancial.com/insights/have-your-retirement-goals-changed

Retirement isn't a fixed destination. What you want from retirement today may look very different from what you imagined a few years ago. Life has a habit of changing plans. Maybe you've changed jobs, paid off your mortgage, started helping family members financially, experienced a health change or

01/10/2026

Making a commitment to share your life with another person is a significant milestone and there is a lot you can do to manage your money as a couple. To learn more click here https://ultimumfinancial.com/insights/getting-married

Making a commitment to share your life with another person is a significant milestone and there is a lot you can do to manage your money as a couple. Manage your money as a couple The earlier you start having conversations about your shared finances, the easier it is to establish shared goals an

01/10/2026

Have you just received, or are about to receive, an inheritance? Learn about key CGT considerations when selling assets from a deceased estate. Click here to learn more https://ultimumfinancial.com/insights/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

01/10/2026

What would you do if you could retire tomorrow? For many of us, imagining retirement isn't the hard part. Whether we'd feel ready for it is another question entirely. Understand where you are now and take control. To learn more, click here https://ultimumfinancial.com/insights/what-would-you-do-if-you-could-retire-tomorrow

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 havi

01/10/2026

While your own personal circumstances may influence how you approach super in your 60s, there are still a number of ways to give it a boost before you retire. Learn more https://ultimumfinancial.com/insights/how-much-super-do-i-need-to-retire-at-60

Your approach to superannuation is likely to change as you near retirement. And while your own personal circumstances may influence how you approach super in your 60s, there are still a number of ways to give it a boost before you retire. Everybody has a different retirement in mind. Some want to t

01/10/2026

Fake caller ID is a technique that scammers can use to make calls and messages look like they come from trusted businesses or government agencies. Knowing the danger signs will help you stay protected. To learn more, click here https://ultimumfinancial.com/insights/fake-caller-id-how-to-know-whos-really-contacting-you

25/09/2026

Investment opportunities that seem too good to be true, probably are. If you're approached via unsolicited emails or calls, it's crucial that you complete some checks before you hand over any personal details. To learn more, click here https://ultimumfinancial.com/insights/tips-for-staying-safe-online

Investment Scams Investment opportunities that seem too good to be true, probably are. If you’re approached via unsolicited emails or calls from an investment company or financial adviser, it’s crucial that you complete some checks before you hand over any personal details. Check if the financia...

25/09/2026

Every super fund charges fees but it's not always obvious what you're paying for. This article breaks down each fee type in plain English and explains how to compare funds properly. https://ultimumfinancial.com/insights/tcm4bm98lgtjvvngvpekaj5dj2t4jf

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 direc