Pathwise Wealth

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Pathwise Wealth We help you make confident financial decisions through clear, practical advice. Helping you plan, grow and live with purpose.

From super and investments to planning for retirement, Pathwise Wealth is your trusted partner for every stage of life.

Cash gifts are generally tax-free in Australia. Property is not so simple. Transfer duty may be calculated on its market...
13/10/2026

Cash gifts are generally tax-free in Australia. Property is not so simple. Transfer duty may be calculated on its market value, even when no money changes hands, and capital gains tax may also apply.
Gift more than $10,000 in a financial year, or $30,000 across five financial years, and the excess may continue to count under the Age Pension assets and income tests for five years.

Planning to help the kids? Talk to us before the money moves, not after. Book a chat: https://www.pathwisewealth.com.au/contact

You own your home. You’ve worked your whole life. So why doesn’t retirement feel certain?Only 36% of single women feel c...
08/10/2026

You own your home. You’ve worked your whole life. So why doesn’t retirement feel certain?

Only 36% of single women feel confident about retirement. For many women in their 50s and 60s, the problem isn’t bad decisions. It’s caregiving years, part-time work, or a relationship that changed everything, and all of it quietly shows up in the super balance.

Stan Moffatt unpacks the “asset rich, cash poor” trap, and why the years before you stop working matter more than you think.

Read it here; https://www.pathwisewealth.com.au/blog/retirement-planning-single-women

Thinking about getting financial advice but not sure what you're signing up for?Fair question. Here's how it works with ...
29/09/2026

Thinking about getting financial advice but not sure what you're signing up for?

Fair question. Here's how it works with us.

It starts with a chat. Just a conversation about where you're at and what's on your mind.

If it feels right, we'll meet to talk through your situation properly and see how we can help. It's a chance for both of us to work out whether we're a good fit.

If you decide to go ahead, you'll get a clear outline of the scope of advice, fees and next steps before any formal work begins. Then you decide.

Want to start with a chat? Book a time; https://www.pathwisewealth.com.au/contact

Whether retirement is 2 years away or 20, do you know if you're on track?You're not alone if the answer is "not really."...
25/09/2026

Whether retirement is 2 years away or 20, do you know if you're on track?

You're not alone if the answer is "not really." The good news is you're probably in better shape than you think.

We've put together a free, plain-English guide for those who want to stop wondering and start knowing. It takes about ten minutes, and it could change the date you circle on the calendar.

Inside, you'll find:
✔️ The ages that actually matter, and why
✔️ Five common mistakes that quietly push retirement back
✔️ A quick check to see where you stand right now

Download your free copy here 👇
https://www.pathwisewealth.com.au/retirement-readiness-checklist

It's a strategy that gets talked about a lot, but it's definitely not one-size-fits-all.At its core, debt recycling invo...
17/09/2026

It's a strategy that gets talked about a lot, but it's definitely not one-size-fits-all.

At its core, debt recycling involves using the equity in your home to invest, gradually converting non-deductible debt into deductible debt over time. For the right person, it can be a genuinely powerful wealth-building tool.

It could be worth exploring if you have stable income, equity in your home, a consistent cash surplus and the mindset to stay the course through market ups and downs.

The first step? A conversation to work out whether it actually fits your situation; https://www.pathwisewealth.com.au/contact

We get it. Picking up the phone to talk to a financial adviser feels like a big deal. What if I don't have enough saved?...
15/09/2026

We get it. Picking up the phone to talk to a financial adviser feels like a big deal. What if I don't have enough saved? What will it cost? Will it be worth it?

We hear this from almost every new client. And every single one of them says the same thing after that first call: they felt relieved.

We don't start with your numbers. We start with your life; what you want, what's keeping you up at night, and what getting there actually looks like for you.

The first step is just a conversation. And it might be the most valuable one you have this year. Book your chat; https://www.pathwisewealth.com.au/contact

Stan Moffat puts it plainly;"Their full-time job is stealing their life."After decades of hard work, many Australians ar...
08/09/2026

Stan Moffat puts it plainly;

"Their full-time job is stealing their life."

After decades of hard work, many Australians are limping along because they think they have no other choice. Many people haven't allowed themselves to dream about retirement because it simply hasn't felt like an option.

But once they realise they can actually stop?

That's when the real conversation begins. Retirement isn't just about having enough money. It's about having enough life left to enjoy it. You could be closer to retirement than you think, download our free Retirement Ready Checklist. It might be the most useful five minutes you spend this week; https://www.pathwisewealth.com.au/retirement-readiness-checklist

Some people think financial advice is about getting rich.It's not.It's about getting clear. Clear on what you actually w...
01/09/2026

Some people think financial advice is about getting rich.

It's not.

It's about getting clear. Clear on what you actually want. Clear on what's in the way. Clear on what to do next week, not just next decade.

When you have clarity, the rest tends to follow. The decisions get easier. The stress gets quieter. The life you want starts feeling more possible.

That's the work. And it starts with a single conversation.

https://www.pathwisewealth.com.au/contact

Three questions worth sitting with this week:1️⃣ What age do you want to retire?2️⃣ Is it actually possible, based on wh...
26/08/2026

Three questions worth sitting with this week:
1️⃣ What age do you want to retire?
2️⃣ Is it actually possible, based on where you're at right now?
3️⃣ And what does that retirement look like; travel, time with family, doing less, doing more?

Most people in their late 40s and 50s are earning well, nearly mortgage-free, and starting to think seriously about the next chapter.

But thinking about it and having a plan for it are two very different things.
If you're ready to get clear we'd love to help; https://www.pathwisewealth.com.au/contact

There are three ages that come up again and again in conversations about retirement: 60, 65 and 67.But they each mean so...
19/08/2026

There are three ages that come up again and again in conversations about retirement: 60, 65 and 67.
But they each mean something quite different.

-At 60, you may be able to access your super if you’ve retired and met a condition of release
-At 65, you can access your super regardless of whether you’re still working
-And at 67, you reach Age Pension age (subject to eligibility)

The most important question is; based on what you’ve built and the life you want to fund, when could you actually afford to stop working?

For some people, separating those three ages is the first step towards realising they may have more choice than they thought.

Book a call if you'd like to chat over your unique circumstances: https://www.pathwisewealth.com.au/contact

Address

3/111 Campbell Street
Toowoomba, QLD
4350

Telephone

+61413762451

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