Practical articles from Wade Vautier covering retirement planning, superannuation, Age Pension, Centrelink, investing and financial strategies for people in Geelong and throughout the Greater Geelong region.
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Are Downsizer Contributions Losing Steam?
Selling the family home and moving somewhere smaller can release a substantial amount of money. For some older Australians, the downsizer contribution rules provide an opportunity to place part of those sale proceeds into superannuation. The scheme has attracted billions of dollars since it began, but recent Tax Office figures indicate that fewer Australians are … Read more
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Superannuation and Relationship Breakdown
Superannuation and Relationship Breakdown: What Happens to Your Super? The end of a marriage or de facto relationship is rarely straightforward. Alongside the personal and emotional impact, there are often difficult decisions to make about the family home, savings, investments, debts and superannuation. Super can be particularly confusing because it is money held for retirement … Read more
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Estate Planning – Protecting Your Family and Your Legacy
Estate Planning – Protecting Your Family and Your Legacy Most people spend decades building their wealth, whether it’s their family home, superannuation, investments or savings. Yet many people spend very little time thinking about what happens to those assets when they’re no longer here. Estate planning isn’t just about preparing a Will. It’s about making … Read more
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Preparing for an Inheritance – What It Could Mean for Your Financial Future
For many people, an inheritance represents far more than receiving money or assets. It often follows the loss of a loved one, making it an emotional and sometimes overwhelming experience. Alongside the grief, there can also be important financial decisions that deserve careful thought. As a Financial Adviser in Geelong, I’ve found that many people … Read more
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Protecting and Growing Your Wealth in Uncertain Times
Economic uncertainty is something every investor will experience. Markets rise and fall, interest rates change, inflation comes and goes, and global events can quickly affect investment markets. While these periods can feel unsettling, they are a normal part of investing. For people approaching retirement or already retired, market uncertainty can be even more concerning. After … Read more
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Is a Retirement Village Right for You?
One of the biggest decisions many people face as they approach retirement isn’t about their superannuation or investments. It’s about where they want to live. For some, remaining in the family home feels like the obvious choice. Others begin looking at downsizing, while many start asking whether a retirement village could offer a better lifestyle. … Read more
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Can AI Help With Financial Decisions? Yes – But It Has Limits
Artificial intelligence has quickly become part of everyday life. Whether it’s ChatGPT, Claude, Gemini or another AI platform, more Australians are using these tools to research everything from holiday destinations to investment ideas. I use AI myself because it’s an excellent tool for learning, researching and organising information. But there’s an important difference between using … Read more
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Should You Stay, Downsize or Move? Making the Right Housing Decision in Retirement
For many people, the family home is their biggest asset. It’s also one of the most emotional financial decisions you’ll ever make. As retirement approaches, I often hear questions such as: Should we downsize? Is it worth selling the family home? Will moving affect our Age Pension? Can we afford to stay where we are? … Read more
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Aged Care Planning: What You Need to Know Before You Need It
For most families, aged care isn’t something they think about until a health issue or unexpected event forces them to make decisions quickly. Unfortunately, that’s often the worst time to start planning. Over the years, I’ve helped many individuals and families throughout Geelong and the Greater Geelong region navigate the financial side of aged care. … Read more
General Advice Warning
The information in this article is general in nature and does not take your personal objectives, financial situation or needs into account. Before making any financial decisions, you should consider whether the information is appropriate for your circumstances and seek professional financial advice where necessary.
Community Chapman Welsh – Wade Vautier
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P 0410 695 820
E wade@ccwadvisory.com.au
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