Jane Purnell, Author at Holzworth Partners

17 Sep 2026

Working with your adviser

Moving into residential aged care can involve many decisions, from finding the right care service to understanding fees, accommodation payments, investments and estate planning. Having an adviser involved can help you and your family understand the options available and work through the financial decisions that come with aged care. Setting Your Priorities As your adviser we can: Help you identify what is important and achieve your goals and objectives. Help you and your family understand

16 Sep 2026

How to Build a Financially Secure Retirement

By Jane Purnell

Retirement may be one of the biggest financial transitions you will ever make. After decades of earning an income, building superannuation, paying down debt and accumulating assets, the focus gradually shifts from building wealth to making that wealth support the lifestyle you want.That is why retirement planning involves much more than simply deciding what age you would like to stop working.A good retirement plan considers how much income you may need, where that income will

1 Sep 2026

Medicare Levy, Medicare Levy Surcharge and Exemptions: 2025–26

By Jane Purnell

The Medicare levy can be confusing, especially when private health insurance and Medicare exemptions are involved. The key thing to understand is that the Medicare levy, Medicare Levy Surcharge (MLS), and Medicare levy exemptions are three different things. Medicare Levy For most Australian residents for tax purposes, the Medicare levy is generally 2% of taxable income. For 2025–26, individuals with taxable income of $28,011 or less generally do not pay the levy. A reduced levy

1 Sep 2026

Don’t Be Afraid of a RAD: Understanding Refundable Accommodation Deposits

By Jane Purnell

Moving into residential aged care can be a big change, and one of the first things families often worry about is the cost of accommodation. Seeing a large lump sum attached to a room can feel overwhelming. This is where a Refundable Accommodation Deposit (RAD) comes in. A RAD is a lump sum paid towards your accommodation. Depending on your circumstances, you may instead choose to pay a Daily Accommodation Payment (DAP) or use a

4 Aug 2026

Take Control of Your Super: Is an SMSF Right for You?

By Jane Purnell

When it comes to building long-term wealth, your superannuation is often one of your largest financial assets. Yet many Australians feel disconnected from how their retirement savings are invested.A Self-Managed Super Fund (SMSF) gives you greater control over your investment decisions, allowing you to tailor your retirement strategy to suit your long-term goals. However, running an SMSF also comes with significant responsibilities, making professional guidance essential.At Holzworth Partners, we help clients determine whether an SMSF

4 Aug 2026

Payday Super is here: what employers need to know

By Jane Purnell

Payday Super commenced on 1 July 2026, changing when employers must pay super guarantee contributions.Instead of paying super quarterly, employers must now pay super in line with each payday. This change may place additional pressure on business cash flow, particularly during the July 2026 transition period.Here is what employers need to know about Payday Super and the steps they should take now. Super must reach the fund after each payday Under Payday Super, super guarantee contributions

2 Jun 2026

End of Financial Year Is Coming: What You Should Be Doing Now

By Jane Purnell

As the End of Financial Year (EOFY) approaches, many individuals and business owners leave their tax planning until the last minute. Unfortunately, this often means missed opportunities, rushed decisions and unnecessary stress. The good news is that there is still time to get organised. By taking a few proactive steps now, you can maximise deductions, improve your financial position and ensure you are prepared for the new financial year ahead. 1. Gather Your Records Early

2 Jun 2026

Federal Budget: The Brave New World of 2026

By Jane Purnell

The Treasurer, Jim Chalmers presented the Albanese Government's third Budget on 12 May 2026. Let's look through the noise in the aftermath to focus on what matters most for you, your business and investments. Some changes will benefit a number of people. For many, a comprehensive strategy rethink may be necessary over the next two years. The detail of actual legislation will be important to underpin any restructuring – so we will wait for clarity

2 Apr 2026

Take Control of Your Super: Is an SMSF Right for You?

By Jane Purnell

When it comes to building long-term wealth, your superannuation is often your largest asset. Yet many Australians feel disconnected from how it is invested. A Self-Managed Super Fund (SMSF) puts you back in control, allowing you to take an active role in your financial future and align your investments with your goals. At Holzworth Partners, we specialise in helping clients simplify the SMSF journey and maximise the opportunities available. What is an SMSF? A Self-Managed

27 Feb 2026

If aged care finances are confusing – get advice

By Jane Purnell

If aged care feels confusing, overwhelming or full of unfamiliar terminology, you are not alone. Seeking professional Aged Care Financial Advice can make the difference between feeling stressed and feeling confident about your decisions.Many people believe they cannot afford aged care advice. In reality, most families cannot afford the financial consequences of getting it wrong. Understanding the Complexity of Aged Care RADs, DAPs, MPIRs, MTAs and ACAT assessments.These are just a few of the terms