RESOURCES

Further your financial education.

At Smart Happy Money we believe that education is the key to financial success. We are happy to provide you with loads of valuable content to help you learn more about personal financial success.

From this page you can access our vault of content designed to help you. We won't ask for your details, this is not about us, this is just for you.

Aged Care

Choosing an aged care service can be overwhelming. Whether it's for yourself or a loved one, your adviser is here to guide you through. It's never too early or late to have this important discussion.

Superannuation

Superannuation can be complex and the rules are always changing which is why it's important you seek advice from your financial adviser.

General Insurance

You choose the types of risks we wish to cover by choosing the right kind of policy with the features you need.

Centrelink sign displayed on the exterior of a building in Australia, representing government social security services and benefits.

Centrelink and DVA Entitlements

For the majority of Australians, the Age Pension will remain an important part of retirement plans, even when an individual has superannuation and non-superannuation savings.

Senior couple walking hand in hand along a beach at sunset, symbolizing retirement planning, pension security, and financial freedom in later life.

Retirement and Pensions

In retirement there are a number of different products and strategies that can be utilised to help make your money last longer. These may be used in addition to any Government Age Pension entitlements that maybe available.

Magnifying glass on top of a paper reading "Business Insurance".

Business Protection Insurance

You've worked hard to build your business, making sure it's protected at a time of need makes ‘good business sense’.

Man with glasses sitting at a laptop computer with his hands on his head visibly stressed.

6 Money Mistakes People Make In Their 40's

We reveal 6 common money mistakes people make between 40 and 55 years old. (And how to avoid them!).

Private Health Insurance

The level of coverage varies between policies and you can choose specific coverage according to your medical and financial needs. It is a cost effective way of preparing for the costs involved with unforeseen accidents and illnesses.

Model house surrounded by stacks of gold coins with an upward-trending graph in the background, representing property investment, gearing, and debt recycling strategies for wealth building.

Gearing to Invest and Debt Recycling

Gearing should only be used to invest in assets with prospects for long term growth, like shares, managed funds, and property. There are also potential tax benefits from gearing.

How To Pay Your Debts Down Faster

Simple, clear, and easy to follow, this Debt Reduction Strategy outlines practical steps to systematically eliminate debt.

Financial planner helping a client with cash flow management and budgeting for long-term financial goals.

Cash Flow and Budgeting

By taking charge of your money and making sure that you're spending less than you're earning, you will ease money stress and feel more secure and in control.

Estate Planning

In the event of your death, it helps to ensure your wishes are carried out. This includes: making sure your hard-earned assets reach their intended beneficiaries; having a trusted administrator in place; and where minors are involved, nominating someone to take care of them if the worst was to happen. It should be noted that not all assets are estate assets and only estate assets are distributed according to a will.

Hand placing stacked coins on a desk with a digital financial growth chart and upward arrow overlay, representing investment growth and strategic financial planning.

Investment and Investment Strategies

Once you and your adviser have determined your attitude to investing, risk tolerance and investment profile, it’s time to consider the choice of appropriate investment assets and the structures to hold those assets in.