Holzworth News - Holzworth Partners

1 Sep 2026

When Should You Speak to Your Financial Adviser?

Financial advice isn't something you only need when you're approaching retirement, have a large amount of money to invest, or something has gone wrong. Some of the most valuable advice can happen much earlier, when something in your life changes. A new job. A pay rise. Buying or selling property. Starting a business. Receiving an inheritance. Getting married or separating. Having children. Taking on debt. Changing your superannuation. Helping your adult children financially. Or simply

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

SMSF Residential Property Borrowing Changes: What You Need to Know

By Mark Holzworth

The Federal Government has announced significant changes to the rules surrounding Self-Managed Super Funds (SMSFs) and residential property borrowing.Under the proposed legislation, SMSFs will no longer be able to use a Limited Recourse Borrowing Arrangement (LRBA) to purchase residential property. The change forms part of the Government's broader housing and taxation reforms and could affect Australians planning to invest in residential property through their super.If you're considering an SMSF property investment strategy, it's important to

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

2 Apr 2026

Navigating the Global Investment Climate: An Australian Investor’s Perspective

By Mark Holzworth

The global investment environment in 2026 is defined by heightened geopolitical risk, elevated uncertainty around energy markets, and a late-cycle economic expansion characterised by uneven growth and inflation elements. For Australian investors, these forces may underline the importance of diversification across regions, asset classes and currencies, while remaining mindful of currency volatility and geopolitical tail risks. Below we outline the current global backdrop and explore portfolio considerations. The Current Global Investment Backdrop Global growth remains resilient but fragile. The International Monetary Fund projects global GDP growth