Fuse Wealth

29/10/2025

Property might have built the wealth. But it does not always provide the lifestyle.

If you are approaching retirement and want confidence, clarity and freedom with your money, a small restructure can make a big difference.

In our latest blog, Lisa Kirk and Saul Muscardin break down how to create more income and flexibility in retirement by balancing property with liquid investments. https://fusewealth.com.au/property-vs-shares-what-works-best-in-retirement/

13/10/2025

Hi, I’m Jaimi, Graduate Accountant here at Fuse Wealth.

One of the things I enjoy most about working here is connecting with different people in our community. I consider myself a social butterfly, and I love getting to know people, so having the chance to do that with our clients every day is honestly my favourite part of this job.

I do have a bit of a quirky hidden talent… remembering random numbers. If you have called the office, there is a good chance I have memorised your phone number and know who is calling before I even answer. The same goes for my passport number, tax file number and driver’s licence number. It may not be so useless now that I am an accountant.

As for a guilty pleasure, I will never give up having dessert every night. It is a non-negotiable for me. Even if it is just a small square of chocolate, savoury always needs to be balanced with sweet.

https://fusewealth.com.au/our-team/jaimi-dent/

08/10/2025

It’s World Financial Planning Day (yep, it’s a thing; October 8).

Thanks to the FAAA, we’ve pulled together a few fun facts and myths for the day.

So if your current plan lives in a spreadsheet titled "Money Stuff", it might be time for an upgrade.

Book a call with our Financial Planning team; https://fusewealth.com.au/contact-us/

30/09/2025

Most business owners can recite their revenue, but far fewer know their true profit margin, and even fewer use their numbers as a tool for decision-making. That’s where business advisory steps in. It goes beyond compliance tasks like tax returns and BAS to translate your figures into a clear strategy, giving you foresight instead of hindsight.

In this month's blog, we explore how advisory can help you strengthen profitability and cash flow, plan growth, and build long-term business value.

👉 Read the full blog here;

Discover how business advisory helps you improve cash flow, boost profitability, and plan with confidence for sustainable growth.

26/09/2025

What if you could slash your mortgage and grow your wealth at the same time?

That’s the promise of debt recycling, a strategy the media can’t stop talking about.

Essentially, instead of leaving surplus cash sitting idle in your offset, you use it to pay down your primary mortgage. You then redraw those funds to invest, which converts that portion of the loan into investment debt. That means the interest becomes tax-deductible. Over time, this not only helps reduce your non-deductible home loan faster, but also builds an investment portfolio alongside it.

Read the blog to see if debt recycling could change the way you build wealth, and get in touch if you want to chat it over; https://fusewealth.com.au/debt-recycling/

17/09/2025

Did you know your super could leave your family with a six-figure tax bill?

Most people assume their superannuation will pass directly to their children. However, when it comes to adult children, a death benefits tax of 17% may apply.

Here is how it adds up:
• Super balance: $750,000
• $600,000 taxable component
• $150,000 tax-free component
• Paid to adult children → taxable portion taxed at 17%
• Tax lost: around $102,000

With a balance of $1.2 million (where $900,000 is taxable), the tax bill is about $153,000. For larger balances, it can climb past $220,000.

Families are not losing this money through poor investments. They are losing it because they do not know the rules.

The good news is there is a way to change the outcome. It is called a recontribution strategy.

You withdraw some or all of your super. You recontribute it as a non-concessional (after-tax) contribution. Your balance stays the same but the taxable component is reduced or even eliminated.

The key is timing. It only works while you are alive.

Now is the time to ask:
• How much of your super is taxable?
• What can be done to reduce it?
• What steps will protect the legacy you want to leave?

Book a call if you'd like to chat over your personal situation; https://fusewealth.com.au/contact-us/

05/09/2025

Clear advice, genuine support, real results.

Lachlan specialises in business advisory. Book in a chat to go over your unique circumstances; https://fusewealth.com.au/contact-us/

21/08/2025

This blog explores the Fuse Wealth investment philosophy in depth.

Investing isn’t just about the right picks; it’s about feeling secure in them. When your strategy makes sense, you trust the process, and you’ve got expert backing, confidence follows.

That confidence? It’s the real force behind long-term wealth growth; whether you're starting small and scaling up, or using leverage to accelerate.

We believe great investment results are not just about picking the right assets. They are about confidence.

07/08/2025

Thinking of starting your own SMSF?

It might sound appealing but for many, it’s unnecessary, expensive, and adds a layer of complexity that doesn’t pay off.

In this blog, Saul unpacks who actually benefits from running their own fund, and why the promise of control isn’t always worth the cost.

Thinking of setting up a self-managed super fund? It's not always the smart move. We explain when an SMSF makes sense, and when it might not.

28/07/2025

We’re proud to share that Fuse Wealth has been named a finalist in three categories at the 2025 Tweed Business Awards:
• Excellence in Small Business
• Excellence in Business and Professional Services
• Outstanding Employee; Jaimi Dent

What makes it even more special is that we've been shortlisted alongside one of our clients.

Good luck everyone!

22/07/2025

Time is perhaps the most powerful wealth-building ingredient. The longer your money stays invested, the more it can compound. Given enough years, even modest returns can snowball into substantial sums. At a 7% annual growth rate, money roughly doubles every decade.

This chart is a fantastic example of the power of starting early, and blows my mind every time I look at it!

Building long-term wealth isn’t about picking the right investments or timing the market, it’s like crafting a recipe and the 4 key ingredients are time, capital, risk, and cash flow.

To help you see how this can work for you, I have created a 'wealth creation' calculator; https://fusewealth.com.au/wealth-creation-ingredients-calculator/?access=false

-Saul