Shire Financial Planning

Shire Financial Planning Shire Financial Planning

June 30 is four weeks away. ⏳If you haven't looked at your super contributions this financial year, now is the time, ne...
01/06/2026

June 30 is four weeks away. ⏳

If you haven't looked at your super contributions this financial year, now is the time, next week.

The concessional contribution cap is $30,000 for 2025–26. For most people, the employer's Super Guarantee gets you part of the way there. The rest is yours to add, topping up could meaningfully reduce your taxable income this year.

If your super balance is under $500,000, you may also have unused cap amounts from previous years you can access through the carry-forward rule.

These opportunities don't roll over indefinitely. After June 30, this year's cap is gone.

Book a free conversation now. Link in bio or call (02) 9545 0054.

General information only. Not personal advice.

No jargon. No pressure. No agenda except yours. 💚We've built our practice on the belief that good financial advice shoul...
01/06/2026

No jargon. No pressure. No agenda except yours. 💚

We've built our practice on the belief that good financial advice should be accessible, just for the wealthy, not just for people who already have it figured out.

Your first meeting with us is free. We'll talk about where you are, where you want to be, and whether we can help you get there. No commitment required.

📲 Book at the link in bio or call us on (02) 9545 0054.

Shire Financial Planning, Sutherland NSW

Small, consistent contributions. Big long-term results. 📈This table shows what adding an extra amount to your super each...
29/05/2026

Small, consistent contributions. Big long-term results. 📈

This table shows what adding an extra amount to your super each month could look like over 10, 20, and 30 years, at an assumed 7% annual return.

The key insight: it's not the amount that matters most. It's the time. The longer your money has to grow, the harder compound interest works for you.

If you're in your 30s or 40s and thinking "I'll sort my super out later", is what later costs you.

If you're already on top of it, good. Let's see if there's more we can do.

Free first meeting at the link in bio.

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

A lot of people treat their super like a savings account they can't touch. Set and forget. ✔️ Box ticked.But your super ...
28/05/2026

A lot of people treat their super like a savings account they can't touch. Set and forget. ✔️ Box ticked.

But your super is your future income. The fund it's in, the investment options selected, the fees being charged, and the contributions going in, all of these decisions compound over decades.

The gap between a well-managed super fund and a neglected one, over 20–30 years, can be hundreds of thousands of dollars.

You don't have to become a financial expert. You just need someone who is one, your corner, looking out for you.

Book a free review at the link in bio.

General information only. Not personal advice.

27/05/2026

72% of Australians say they don't feel confident about their retirement savings. 😔

If that's you, you're in the majority. And you're not failing. You just haven't had the right conversation yet.

Confidence about your finances doesn't come from having more money. It comes from having a clear picture, knowing what you have, what you're on track for, and what (if anything) you want to do differently.

That clarity is exactly what a financial plan provides. And our first meeting? Always free.

📲 Book at the link in bio or call (02) 9545 0054.

General information only. Not personal advice.

Your employer is required to contribute 12% of your salary to super this year hitting the legislated cap from July 2025....
25/05/2026

Your employer is required to contribute 12% of your salary to super this year hitting the legislated cap from July 2025. 📊

That's a great start, but for most Australians, it won't be enough on its own to fund the retirement they're imagining.

The difference between an average retirement and a comfortable one often comes down to what you chose to add on top, and how early you started adding it.

We know times are tough for some, but even $100 a month in voluntary contributions, invested consistently over 20+ years, can make a meaningful difference to your final balance. The maths of compound growth is quietly powerful.

If you've been meaning to look at your super situation and haven't yet, this is a good nudge. Book a free conversation at the link in bio.

General information only. Not personal advice.

Word(s) of the Week 📖 Salary SacrificeNo, it doesn't mean giving up your salary. It means redirecting part of it, smart...
22/05/2026

Word(s) of the Week 📖 Salary Sacrifice

No, it doesn't mean giving up your salary. It means redirecting part of it, smartly.

Salary sacrifice is an arrangement with your employer to put a portion of your pre-tax pay directly into super, instead of receiving it as taxable income. The result? Your taxable income drops, and that money grows inside super at just 15% tax, rather than your normal rate.

It's one of the most commonly underutilised strategies for Australians in the accumulation phase, and it's available to most employees.

Questions about whether it's right for you? Book a free chat at the link in bio.

Salary sacrifice sounds complicated, but the numbers really aren't. 📊This is what redirecting a portion of your pre-tax ...
20/05/2026

Salary sacrifice sounds complicated, but the numbers really aren't. 📊

This is what redirecting a portion of your pre-tax salary into super could save you on tax (based on 2025–26 rates).

The key: money going into super is taxed at 15%, not at your marginal income tax rate. That gap between what you'd pay and what you actually pay? That's the saving.

And those savings sit inside your super, continuing to grow, so the benefit compounds over time.

Worth a conversation? We think so. Our first meeting is free.

📲 Book at the link in bio or call (02) 9545 0054.

15% vs up to 47%. That's the difference between the tax rate inside super and the top marginal rate in Australia. 📉For m...
19/05/2026

15% vs up to 47%. That's the difference between the tax rate inside super and the top marginal rate in Australia. 📉

For most Australians, every dollar contributed to super concessionally is taxed at a substantially lower rate than earned income. That gap can translate to thousands of dollars per year, depending on your income.

It's one of the most straightforward and legal tax minimisation strategies available. And it's not just for high earners. If you pay any income tax, the maths likely works in your favour.

We're here to help you understand how it applies to your situation. No jargon. First meeting free.

📲 Link in bio or call (02) 9545 0054.

Here's something worth knowing before June 30: your accountant and your financial planner do very different things. And ...
12/05/2026

Here's something worth knowing before June 30: your accountant and your financial planner do very different things. And when they work together, the results can be significantly better. 💡

Your accountant manages your tax return (what happened last year). Your financial planner works on what happens next - how to structure your income, super, and investments to keep more of what you earn.

One looks back, the other looks forward. You need both, wouldn't you agree?

If you haven't had a conversation with a financial planner this financial year, there's still time to make it count. Our first meeting is always free, and for a lot of people, it's the conversation that changes everything.

📲 Book at the link in bio.

Address

42/10-18 Robertson Street
Sutherland, NSW
2232

Opening Hours

9am - 5pm

Telephone

+61295450054

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