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Wealthy & Wise Lifestyle Planning

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Wealthy & Wise Lifestyle Planning are a group modern financial planning agencies located across Aust

Wealthy & Wise Lifestyle Planning are a group modern financial planning agencies located across Australia. We specialise in financial advice and investment solutions for Aussies wanting to take control of their money and live their best life. And, although our head office is based in Sydney, we work with clients from many areas including the Sunshine Coast, Gold Coast, Central Coast NSW, Melbourne, Adelaide and Perth. We offer a range of financial advice services including financial planning, insurance, investment advice, taxation, property investment and superannuation. We also offer franchise opportunities for forward thinking Financial Advisers.

29/10/2026

Most of us open the annual super statement, check the balance, and file it. The detail sits underneath.

Two things live outside the statement itself. Balances shown in ATO online services are the annual figures funds report as at June 30, so they may not match the current balance. And a super account may not appear there at all if the fund hasn’t reported the account details, if the ATO couldn’t verify them, or if the account closed before the past two financial years.

One more quietly ages out: most binding death benefit nominations in super funds expire every three years, unless the fund offers a non-lapsing binding nomination option.

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28/10/2026

We’d rather explain it twice than have you guessing.

Money conversations move fast when only one person in the room already knows the language. Offset accounts, LVR, preservation age, stepped versus level premiums... none of it is obvious the first time you hear it, and nodding along is natural when you don’t want to slow things down.

So the measure isn’t how fast a conversation wraps up. It’s whether someone can explain their own situation back in their own words afterwards, including what it costs and what happens next.

Repetition usually means the thing being explained is genuinely complicated. That’s on the explaining, not the listening.

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27/10/2026

Preservation age is when you can get at your super if you’re retired or you’ve started a transition to retirement income stream. It isn’t your pension age.

It’s set by your birth date: 55 if born before July 1, 1960, then 56 to 59 by birth year, and 60 for anyone born from July 1, 1964. Sixty is the maximum, as the ATO restated in May 2025 when warning about fake news websites on preservation age.

The age alone isn’t access. Under 60, access means preservation age plus ceasing gainful employment with no intention of returning to it. At 60 or over, preserved benefits can be accessed when you leave a job. From 65, they can be cashed at any time with no cashing restrictions, retired or not.

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26/10/2026

Nobody enjoys asking what something costs, so we say it first. Written down, in real dollars, before anything gets signed. If a fee needs explaining twice, that’s fine by us. The worst time to learn about a cost is after the decision’s made.

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25/10/2026

Two words that come up constantly with super, and rarely get explained plainly.

Concessional contributions are the before-tax ones: employer contributions and salary sacrifice, taxed at 15% in the fund. Non-concessional contributions are after-tax money, not taxed going in unless the annual cap is exceeded.

From July 1, 2026, the concessional cap is $32,500 and the non-concessional cap is $130,000. Excess concessional contributions are included in assessable income and taxed at your marginal rate, less a 15% offset, unless released from super.

Which caps and conditions apply depends on individual circumstances, and the ATO publishes the figures for each year.

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25/10/2026

Before moving super, one thing worth knowing: the insurance inside your old account doesn’t automatically come with you.

If you transfer your full balance to another fund, you may lose the cover attached to that account, including life, total and permanent disability (TPD) or income protection.

For people aged 25 or over, most funds automatically provide life and TPD cover, and some also provide income protection, but changing funds doesn’t guarantee the same cover. Moneysmart suggests extra care when consolidating if you have a medical condition or you’re 60 or over.

None of this says switch or stay. It just means the insurance side deserves its own look.

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22/10/2026

Offset and redraw get talked about like they’re the same thing. They’re not.

An offset account is a separate transaction account linked to your home loan. Interest is calculated daily by subtracting the offset balance from the loan balance, so the money stays accessible. Offsets are generally available with variable rate home loans, not typically fixed.

With redraw, extra payments go straight onto the loan, and whether you can withdraw them depends on the loan terms.

In July 2026, ASIC found significant failures where offset accounts weren’t linked properly to mortgages, meaning customers paid more interest.

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21/10/2026

A first meeting is a conversation, not a commitment.

Here’s roughly how one tends to run. The first stretch is listening: what’s prompted the thinking, what’s already in place, what’s keeping you up at 2am. Then the numbers. Income, spending, debts, super statements, insurance inside and outside super. Real figures rather than rough guesses, because guesses just produce guesswork.

From there, usually a plain-English read on where things stand, what the options generally look like, and what going further costs, including timeframes and fees. Nothing is decided on the day.

General information only. Anything specific to your own situation needs a proper look at your full circumstances.

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20/10/2026

Here’s what surprises most people: lenders mortgage insurance doesn’t protect you. LMI protects the lender if a borrower can’t repay the loan. Not the borrower, not the guarantor. And it isn’t home insurance. Different product, different purpose.

It’s typically required when the loan-to-value ratio is above 80%. It’s a one-off fee, paid at settlement or added to the loan. If it’s added, you pay interest on it too.

Under the Australian Government 5% Deposit Scheme, first home buyers can buy with a deposit as low as 5% and avoid LMI, with the government guaranteeing part of the loan. Income limits and property price caps were removed from October 1, 2025.

General information only.

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19/10/2026

“Can I use the equity in my home?” It usually starts with separating two numbers.

Equity is what your property is worth minus what you still owe. A $900,000 home with $400,000 owing is $500,000 of equity on paper.

Usable equity is narrower. Lenders often work to 80% of the value minus what’s owing, since going past 80% usually brings lenders mortgage insurance in. On that home, that’s $720,000 less $400,000, so about $320,000.

Then there’s borrowing capacity: income, debts, expenses and how a lender assesses repayments at a buffered rate. Solid equity and limited servicing can sit side by side.

Accessing equity also means more debt secured against your home, with real interest costs.

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Address

Level 35, One International Towers 100 Barangaroo Avenue
Sydney, NSW
2000

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+611300226271

Website

http://www.wealthyandwise.com.au/

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