Why Tax Planning Should Start Before June (Not In It)
Many investors leave tax planning until June, thinking that’s when it matters most. By that time, however, most opportunities to optimise your tax position have passed, and decisions are often rushed under pressure. The reality is simple: effective tax planning happens well before 30 June, and starting early can make a big difference to your […]
2026 Starts Now: Your Summer Financial Health Check + 3 Key Lessons from 2025
December always feels like a race against the clock. With Black Friday and other holiday sales, it’s easy to lose track of spending. So ask yourself, how in control of your finances are you right now? This is the perfect time to take a step back, review your recent spending, and set yourself up for […]
From the Race Track to the Financial Markets: Why Investing Isn’t About Picking the Winner
Last week, the nation paused to watch the Melbourne Cup, with punters everywhere trying to pick the winner, fueled by hope, hype, and a dash of luck. While betting can be thrilling, and has the chance of upside, investing should take a very different approach. Rather than relying on chance, it’s about having a clear […]
Retirement Planning: Fresh Perspectives
If you’re in your 50s, now might be the time to start thinking seriously about retirement. Have you been actively managing your superannuation fund and your savings to give yourself the freedom to retire comfortably? It might feel like retirement is still a long way off, but in reality, it could be closer than you […]
Refinance Smarter: How Debt and Equity Impact Your Mortgage
Australia’s property market continues to climb, with national prices hitting new record highs, with prices rising 4.10% annually (to August 2025). Lower interest rates are adding fuel, with the RBA cutting the cash rate to around 3.60% and lenders now offering fixed loans below 5.00%. Strong immigration, tight housing supply and rising rents are driving […]
Spent Too Much Last Year? Here’s How to Course-Correct in FY2026
Before diving into solutions, it’s important to take a moment to reflect, honestly, on your financial habits over the past year. Are you feeling confident about your current financial situation, or did finalising paperwork make you realise things aren’t quite where you thought they’d be? Maybe your everyday expenses like food, tolls, outings, or unplanned […]
Tax Refund Incoming? Here’s How to Use It Wisely and Stay Financially Fit
Tax Refund Incoming? Make It Count for Your Financial Future After the pressure of lodging everything on time, comes a moment of relief—and for many, a reward. If you’re expecting a tax refund this financial year, don’t let it slip away as quickly as it lands in your bank account. Be intentional. Yes, it can […]
How to Maximise Your EOFY Tax Return with Smart Super and Investment Moves
The end of the financial year is approaching so it’s important to ensure you are well-prepared and ready to maximise your tax arrangements and tax return and set yourself up for future financial success. At Locumsgroup, we’re here to support you in making informed decisions across your superannuation, your investments, the borrowing arrangements and your […]
5 Simple Ways to Reduce Investment Risk
If recent global events and shifting economic policies have left you feeling uncertain about your financial future, you are not alone. The markets have been volatile, and many are wondering: What’s the smartest way forward right now? How can you reduce your investment risk for a safer financial future? At Locumsgroup, we understand that no […]
From Dream to Doorstep: Your Guide to Conquering the Homeownership Journey
Becoming a homeowner is one of the most exciting milestones in life, but it requires careful planning, commitment, and a financial strategy. In this guide, we explore the main aspects to consider when purchasing your first or an additional home and becoming a homeowner or investor. 1. Building Your Financial Foundation Before diving […]
