Cultiv8 Financial Advisers

06/05/2025

A new chapter for Cultiv8 clients! We’re excited to share that Cultiv8 Financial Advisors has joined forces with Navigate Advisors — a firm that shares our belief in personalised, goal-driven financial advice.

Emily Bowker will continue supporting you as your Relationship Manager, and with Navigate’s broader team behind the scenes, you’ll now have access to even more resources and support.

To stay connected and keep up with what’s next, we’d love for you to follow Navigate Advisors:
Instagram:
Facebook:
LinkedIn: https://www.linkedin.com/company/navigate-advisors/

Get the full run down; https://navigateadvisors.com.au/cultiv8-to-navigate/

Navigate Advisors has expanded its presence into the Young community, proudly welcoming the clients of Cultiv8 Financial Advisors.

06/05/2025

23/04/2025

18/02/2025

Yippee 🙌,

Westpac, NAB, CBA and ANZ have all announced a 25 basis point cut to mortgage rates, just minutes after the RBA moved the cash rate lower.

18/12/2024

Cultiv8 Financial Advisers would like to wish all of our clients a wonderful Christmas and New Year! Our office is closed from 12:00pm Thursday 19th December and will re-open 9:00am on Monday 6th January 2025.

Enjoy the break and we look forward to assisting you with all your financial needs in the New Year.

05/11/2024

Congratulations to all the winners, it’s been a day full of surprises!

29/10/2024

Did you know?
- One in 7 women will be diagnosed with breast cancer in their lifetime.
- In 2024 alone, over 20,900 Australians will be diagnosed with breast cancer.
- The five-year survival rate for breast cancer is over 90%, which has improved significantly due to advancements in early detection and treatment.

For many people, the financial costs of cancer are a source of stress. It is important to understand that your private health insurance will likely cover only some of your costs, and you might be left with substantial out-of-pocket costs.

Trauma Insurance, also called ‘Critical Illness’ insurance, pays a lump sum amount if you suffer a critical illness or serious injury, including cancer. Trauma Insurance can help pay for:
- Out-of-pocket medical costs
- Living expenses for you and your family while you’re unable to work
- The cost of therapy, nursing care, and special transport
- Changes to housing if needed
- Paying back your debt – For example, a mortgage.

If you’re thinking about buying Trauma Insurance, give our friendly team a call for confidential advice – 02 5337 8333.

For general information on other Financial Support available for breast cancer treatment, contact the Cancer Council Helpline on 13 11 20.

22/10/2024

Does your purpose power your strategy?
Engaging with a Financial Planner who understands your purpose and values will help you to create a plan that aligns with your life objectives. Contact Cultiv8 Financial Advisers today to find out how we can help – 02 5337 8333.

10/10/2024

How are your children positioned to handle their inheritance?

It's never too late to start learning how to effectively manage your finances.

Cultiv8 Financial Advisers offer a 15min complimentary phone chat to all our new clients, so why not book in with us today - 02 5337 8333

13/08/2024

Good luck Yabbies!! Nip Nip 🦞

12/08/2024

Do you have a Help/HECS debt? 👨‍🎓

If your employer is not withholding enough PAYG-W to cover your compulsory repayment amount, you could end up with tax payable when you lodge your tax return.

It is your responsibility to mark the correct box on your Tax File Declaration at the beginning of employment, or to inform your current employer if you have undertaken separate study during the course of your employment.

Unfortunately, sometimes even if you have marked the correct box, your employers payroll still may not be withholding enough. You can check this yourself on your payslip, or alternatively speak to your employer/payroll department to ensure you are meeting your compulsory loan repayment obligations.