Shire Financial Planning

Shire Financial Planning Shire Financial Planning

$960 billion. That's the approximate total held in Australian self-managed super funds, over 1.1 million Australians ar...
25/06/2026

$960 billion. That's the approximate total held in Australian self-managed super funds, over 1.1 million Australians are managing their own super through one. 📊

An SMSF isn't just for the wealthy. It's for people who want more control, over their investment choices, their asset allocation, and how their super fits into their broader financial picture.

If you've got $200,000 or more combined in super (you and a partner can pool funds), it may be worth exploring whether an SMSF makes sense for you.

We specialise in SMSF setup and strategy. Free first meeting to talk it through.

📲 Link in bio.

General information only. Not personal advice.

A common misconception: SMSFs are only for people with a lot of money.The reality? They're for people who want control. ...
23/06/2026

A common misconception: SMSFs are only for people with a lot of money.

The reality? They're for people who want control. 🎯

If you and your partner have $200,000 or more combined in super, an SMSF can open up investment options that retail funds simply don't offer, direct property, individual shares, private assets, and more.

The fees can also be competitive at that balance level. And as your balance grows, the economics often improve further.

It's not the right fit for everyone. But for the right person, it's a genuinely powerful structure.

Curious whether it might suit you? Let's talk. Free first meeting at the link in bio.

General information only. Not personal advice.

Word of the Week 📖, Capital Gains Tax (CGT)One of the most misunderstood taxes in Australia, one that trips up a lot of...
22/06/2026

Word of the Week 📖, Capital Gains Tax (CGT)

One of the most misunderstood taxes in Australia, one that trips up a lot of investors and property owners.

CGT is the tax you pay on the profit from selling an asset for more than you paid for it. Importantly, you're taxed on the gain, the full sale price. And if you've held the asset for more than 12 months, you may only need to include half of that gain in your assessable income.

Timing the sale of an asset, or understanding how CGT interacts with your income in a given year, can make a significant difference to your tax outcome.

Questions? That's what we're here for. Link in bio for a free chat.

General information only. Not personal advice.

$83,000. That's the approximate difference in your retirement balance from starting at 25 vs 35, investing just $100 a m...
17/06/2026

$83,000. That's the approximate difference in your retirement balance from starting at 25 vs 35, investing just $100 a month at 7% p.a. 📈

The extra $12,000 you contributed over that decade isn't what made the difference, the compounding did.

That's the quiet math of long-term investing. The money you put in early earns returns. Those returns earn returns. And over 30–40 years, the effect is profound.

If you're in your 30s or early 40s, you still have enough runway to make this work in your favour. But the runway gets shorter every year.

Let's have the conversation now. Free first meeting at the link in bio.

Illustrative only. Assumes 7% p.a. General information, not personal advice.

The best financial gift you can give your family isn't an inheritance. It's the security of a well-managed life while th...
15/06/2026

The best financial gift you can give your family isn't an inheritance. It's the security of a well-managed life while they're watching. 💚

Kids absorb more than we realise, attitudes toward money, planning, and the idea that financial security is something you work toward, not something that just happens.

Starting your own financial plan isn't selfish. It's one of the most responsible things you can do.

And the earlier you start, the more time does the heavy lifting.

Book a free conversation at the link in bio.

General information only. Not personal advice.

$630,000. That's ASFA's estimated super balance for a comfortable retirement as a single Australian. For couples, the fi...
12/06/2026

$630,000. That's ASFA's estimated super balance for a comfortable retirement as a single Australian. For couples, the figure is around $730,000. 💰

The average Australian retires with significantly less.

Here's the thing: that gap isn't necessarily a crisis. It's a planning problem, planning problems are solvable, especially when you start early enough.

What does your number look like? We can help you figure that out, put together a realistic picture of where you're headed, and what (if anything) you might want to do differently.

Free first meeting. No obligation. Link in bio.

Source: ASFA Retirement Standard. General information only, not personal advice.

"I'm waiting for the market to settle before I invest."We hear this a lot. And we understand the instinct. But the data ...
10/06/2026

"I'm waiting for the market to settle before I invest."

We hear this a lot. And we understand the instinct. But the data is pretty clear: trying to time the market consistently () is something even professional fund managers struggle to do reliably. 📊

What does work? Staying invested. Contributing consistently. Letting time and compounding do the heavy lifting.

The cost of waiting isn't just the return you missed. It's the compounding on that return, and the compounding on the compounding, year after year.

If you've been on the sidelines, now is a good time to talk.

📲 Link in bio for a free first meeting.

General information only. Not personal advice.

Word of the Week 📖, Dollar-Cost AveragingOne of the simplest, most effective investing habits, one most people are alre...
08/06/2026

Word of the Week 📖, Dollar-Cost Averaging

One of the simplest, most effective investing habits, one most people are already doing without realising it.

Dollar-cost averaging means investing a fixed amount at regular intervals, regardless of what the market is doing. When prices are high, you buy fewer units. When they're low, you buy more. Over time, this naturally smooths out your average entry price.

Your regular super contributions? That's dollar-cost averaging in action.

It's not glamorous. It doesn't involve picking winners or timing crashes. It just works, consistently, over time.

Questions about your investment strategy? We're here. Link in bio for a free chat.

General information only. Not personal advice.

Received an inheritance? Before you do anything, take a breath. 💚It's one of the most emotionally complex financial even...
05/06/2026

Received an inheritance? Before you do anything, take a breath. 💚

It's one of the most emotionally complex financial events a person can experience, one where well-meaning decisions, made quickly, can lead to regret.

Swipe through for 5 things worth considering, order. These aren't the only options, and the right answer always depends on your situation. But as a starting framework, they've helped a lot of people think more clearly.

General information only, personal advice. For guidance specific to your situation, we'd love to help. First meeting free.

📲 Link in bio or call (02) 9545 0054.

Same investment. Same return. Wildly different outcomes. ⏱️This table shows what $100 a month at 7% p.a. looks like if y...
04/06/2026

Same investment. Same return. Wildly different outcomes. ⏱️

This table shows what $100 a month at 7% p.a. looks like if you start at different ages, all the way to 65.

Starting at 25 instead of 35 means you contribute an extra $12,000 over your lifetime. But you end up with an extra $141,000 at retirement. That's the power of compounding, time multiplying your money, not just your contributions.

If you haven't started yet, the second-best time is now.

Book a free conversation at the link in bio.

Illustrative only. Assumes 7% p.a., monthly compounding. Not a guarantee of returns. General information only, not personal advice.

Address

42/10-18 Robertson Street
Sutherland, NSW
2232

Opening Hours

9am - 5pm

Telephone

+61295450054

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