Aged care decisions rarely arrive at a convenient time. They often come after a fall, a hospital admission, a health event or a sudden decline. And when decisions are made in crisis mode, options are narrower, costs can be higher, and stress is amplified.
Recent geopolitical tensions involving the Middle East have once again pushed global markets into the headlines. When events like this occur, it’s natural for investors to feel concerned about what it might mean for their portfolios.
- Posted in Client Communications, Financial Planning, q4 Clients, Risk Mitigation, Wealth Extraction
- by q4financial
While the ASFA benchmark of $750k is useful, it represents a baseline lifestyle — not necessarily an aspirational one.
That’s not the kind of retirement most of our clients are planning for.
There’s been a lot of chatter in the press recently about what you need for a “comfortable” retirement.
The latest update to the (ASFA) Retirement Standard suggests that a couple needs around $730,000–$750,000 in superannuation (in addition to a part Age Pension) to achieve what it defines as a “comfortable” retirement.
$750,000 might be enough — but enough for what?
- Posted in Financial Planning, Medical Professionals, Retirement Planning, Wealth Extraction
- by q4financial
For many q4 financial clients — particularly business owners and high-income professionals building wealth inside super — this is welcome news.
- Posted in Financial Planning, Retirement Planning, Tax & Accounting, Wealth Extraction
- by q4financial
Australia’s housing affordability challenges continue to dominate national conversation, and as the federal government looks ahead to the next budget, capital gains tax (CGT) reform is back on the table.
The challenge isn’t having goals.
It’s turning them into a clear, workable financial strategy — and then actually making progress on them.
- Posted in Business Advice, Financial Planning, Retirement Planning, Tax & Accounting, Wealth Extraction
- by q4financial
Discover why the biggest gains in wealth and business come after the “boring middle.” Learn how compounding works and why patience is key to long-term financial success.
- Posted in Business Advice, Financial Planning, Growth, Profitability, Retirement Planning, Tax & Accounting, Wealth Extraction
- by q4financial
The government has announced four key changes to the age pension regime in Australia, all have taken effect from 20 September 2025. These are not minor tweaks – some of them will require you to review your planning now.
- Posted in Business Advice, Financial Planning, Retirement Planning, Tax & Accounting, Wealth Extraction
- by q4financial
From 1 July 2026, new tax rules will apply to those with super balances above $3 million. Key details are included in this post...
- Posted in Financial Planning, Retirement Planning, Tax & Accounting, Wealth Extraction
- by q4financial