Culgan Financial Advisors

Culgan Financial Advisors Authorised Financial Planner | Wealth Coach | Educator | Advocate at Culgan Wealth. Follow for insights on real money matters and financial empowerment.

Helping salon owners achieve their goals in both personal and business

14/08/2026

Property crashes follow a predictable 18-year cycle. We're currently nearing the peak of phase 3, meaning prices might be about to fall. Understanding these phases—recovery, expansion, oversupply, recession—can help you avoid buying at the peak and make smarter decisions.

13/08/2026

Confused about owning property with someone? Joint tenancy means the survivor gets everything, bypassing your will. Tenants in common allows you to control who inherits your share. This distinction is crucial for blended families and asset protection. Check your property title and consult an estate lawyer.

13/08/2026

A testamentary trust is a powerful estate planning tool hidden in your will. It protects your assets from relationship breakdowns, creditors, and ensures your children manage their inheritance wisely. Plus, it offers significant tax advantages for income distribution to minors.

12/07/2026

Labor went after family trusts. What they actually did was make this structure more powerful than ever. 💛

This is for any parent who wants to protect what they leave behind — not just the wealthy.

Comment TT below and I'll send you through what I'd be looking at.

General advice only — please speak to your solicitor and financial planner. See website for AFSL & FSG 📝

This is what financial education should look like. 💛Today I had the privilege of spending time with Year 10 students- ta...
18/05/2026

This is what financial education should look like. 💛

Today I had the privilege of spending time with Year 10 students- talking money, budgets, tax, and super. The real stuff.

The stuff nobody teaches you in school.

We covered:
💰 How to read your first payslip
📊 How to build a budget that actually works
🧾 How tax works in Australia (in plain English)
🏦 Why superannuation matters MORE at 16 than at 46

The questions they asked blew me away. These kids are ready — they just need someone to show them how.

If you're a parent of a teenager, share this with them. The earlier they start, the better their future looks.

Small steps, big results. 💛
— Jessie, Culgan Wealth

17/05/2026

Did you know first home buyers can save for their deposit INSIDE their super — and pay significantly less tax? 🏠

It's called the **First Home Super Saver Scheme (FHSS)** and here's how it works:

✅ You make voluntary contributions into your super (salary sacrifice or personal)
✅ Those contributions are taxed at just **15%** — not your marginal rate
✅ When you're ready to buy, you can withdraw up to **$50,000** to use as your deposit
✅ The withdrawn amount is also taxed at a concessional rate (your marginal rate minus a 30% offset)

**The tax saving in practice:**
If you earn $80,000, your marginal rate is 34.5%. Saving inside super means you're taxed at 15% instead — that's a saving of **19.5 cents on every dollar** you contribute.

On $50,000 of savings, that's nearly **$9,750 in tax savings** compared to saving in a regular bank account.

**The limits:**
💰 Up to $15,000 per financial year
💰 Up to $50,000 total

The earlier you start, the more you can accumulate.

If you're saving for your first home — this scheme is worth looking at seriously. Save this and share it with someone who needs to know. 💛

*This is general information only. Please seek personal financial advice for your specific situation.*



17/05/2026

Selling your home at 67+? You could put $300,000 straight into super. 💛

The downsizer contribution is one of the most underused strategies in Australia — and it could be a game-changer for your retirement.

Here's how it works:
👉 You're 67 or older
👉 You sell your home (must have owned it for 10+ years)
👉 You can contribute up to $300,000 ($600,000 as a couple) into super from the proceeds
👉 It doesn't count toward your usual contribution caps
👉 No work test required

This is one of the best ways to significantly boost your super balance later in life — especially if your super is underfunded.

Share this with your parents or anyone you know who might be in this situation 💛

And join my free Masterclass — culganwealth.com/masterclass — to learn more strategies like this.

09/05/2026

If you ever receive an inheritance — read this first. 💛

I've seen so many women receive life-changing money and then watch it disappear within 12 months. Not because they're bad with money — but because nobody told them what to do.

Here's what I tell every client:

✋ Do nothing for at least 30 days. Grief and financial decisions don't mix.

Then ask yourself:
👉 Do I have high-interest debt? Pay it off first.
👉 Is my super underfunded? Consider a lump sum contribution.
👉 Do I have a long-term investment plan? If not — get one.

An inheritance is a rare opportunity to completely change your financial trajectory. Treat it like the gift it is.

Have you or someone you know been through this? I'd love to hear your experience below 👇

Join my free Masterclass — join the FREE Her Money Her Rules Masterclass → culganwealth.com/masterclass

08/05/2026

How much do you actually need to retire comfortably? 💛

Most women I speak to have never done this calculation — and when they do, it's a wake-up call.

Here's the simple version:
👉 You need roughly 70–80% of your current income, every year in retirement
👉 For a 25-year retirement, that adds up fast
👉 For most women earning $80K, that's $1.4–1.6 million

The good news? There are strategies that can get you there — super contributions, investment structures, and a plan that actually works for YOUR life.

The bad news? Time is the one thing you can't get back.

Drop a 💛 if you want me to do a full breakdown on this.

And if you're ready to get serious— join the FREE Her Money Her Rules Masterclass → culganwealth.com/masterclass 💛

03/05/2026

If you're approaching retirement and you have long service leave — this tip could save you thousands in tax. 💛

Most people just take their long service leave as a **lump sum payout** when they leave. But there's a smarter way.

**Option 1: Take the time off instead.**
Instead of a lump sum, take the leave as paid time off. While you're on leave:
✔️ Your employer keeps paying your **superannuation**
✔️ You keep **accruing more leave**
✔️ Your income stays at your normal rate

**Option 2: Take it on half pay.**
This is a smart tax move. Your taxable income drops — meaning you might slide into a lower tax bracket. Your take-home pay might only fall slightly (not by half) thanks to the tax savings.

**Option 3: Defer the payout to the next financial year.**
If your employer won't allow the above, ask to have the payout processed after 1 July. That way you're not stacking a full year's salary AND a lump sum in the same tax year.

Timing is everything when it comes to tax near retirement. A small decision here can mean thousands more in your pocket.

Share this with someone who's approaching retirement. 💛

👉 Her Money. Her Rules. 💛

Address

Brisbane, QLD

Telephone

+61432277197

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