Financial Library

BM&K Financial Services is pleased to keep you informed with the latest financial planning articles.

Why Transition to Retirement deserves a second look

For many people approaching retirement, the transition from full-time work to retirement is no longer a sudden stop. Instead, it’s

The three phases of retirement: Key decisions at every stage

Retirement starts long before your last day at work There are certain moments in life that reshape not just your

How floating rate bonds can make your portfolio more resilient

Floating rate bonds tend to receive less attention than shares or fixed rate bonds. Yet in Australia, floating rate bonds

Ensure your estate planning reflects your wishes

Many people are surprised to learn that some of their largest assets may not be covered by their will. With

Signals from the bond markets

If the financial markets could talk, then bonds would probably be saying: “We’re not convinced the story is over yet”.

Putting healthspan at the heart of your plan

There is something deeply hopeful about the fact that we are living longer than previous generations. Advances in medicine, safer

Signals from the bond markets

If the financial markets could talk, then bonds would probably be saying: “We’re not convinced the story is over yet”.

Diversification

Diversification is an investment management strategy that reduces the impact of some of your investments performing poorly. What is diversification

What is compound interest?

Learn what compound interest is and how it can be used to grow your savings. Understanding compound interest Compound interest

Australia’s investment case has changed more than investors realise

Key takeaways Australia is no longer just a China proxy – demand for its resources is increasingly being driven

Income streams

These are regular payments made from your superannuation fund or purchased using either superannuation money or savings. Keep in mind,

Six ways Gen X can build retirement savings

Making the most of your peak earning years Many Gen X Australians are now in their peak earning years and

Why Transition to Retirement deserves a second look

For many people approaching retirement, the transition from full-time work to retirement is no longer a sudden stop. Instead, it’s

The three phases of retirement: Key decisions at every stage

Retirement starts long before your last day at work There are certain moments in life that reshape not just your

How floating rate bonds can make your portfolio more resilient

Floating rate bonds tend to receive less attention than shares or fixed rate bonds. Yet in Australia, floating rate bonds

Protect your money in retirement

Retirement can be a time when people may try to take advantage of your trust. Protect your money from people

Claiming a super death benefit

If someone close to you has died, you may be able to claim a super death benefit. What is a

Record SMSF growth driven by digital access

Record SMSF growth driven by AI and digital tools, but admin and compliance challenges persist 48,500 new SMSFs were established

Why Transition to Retirement deserves a second look

For many people approaching retirement, the transition from full-time work to retirement is no longer a sudden stop. Instead, it’s

The three phases of retirement: Key decisions at every stage

Retirement starts long before your last day at work There are certain moments in life that reshape not just your

How floating rate bonds can make your portfolio more resilient

Floating rate bonds tend to receive less attention than shares or fixed rate bonds. Yet in Australia, floating rate bonds

Protect your money in retirement

Retirement can be a time when people may try to take advantage of your trust. Protect your money from people

Claiming a super death benefit

If someone close to you has died, you may be able to claim a super death benefit. What is a

What the Payday Super changes mean for your retirement

Significant reforms to the Australian superannuation system are about to take effect and could help people boost their super balances

Ensure your estate planning reflects your wishes

Many people are surprised to learn that some of their largest assets may not be covered by their will. With

How to maximise the impact of your inheritance

Australia’s $3.5 trillion wealth transfer: how to invest an inheritance wisely Australia is entering one of the largest intergenerational wealth

Tips and tricks for cutting costs

Discounts, offers and rewards programs Cost of living is impacting people across Australia, with everything from interest rates to the

Who has access to my bank details? What protections are in place to prevent misuse?

Two brothers – Paul Issa and Phillip Issa – ABC News Breakfast it was “appropriate that charges have been laid”

The case of Unlucky Steve, who bought before every crash

Even investors who bought at the worst possible moments over 25 years still more than tripled their money One of

Preparing your business for the new financial year

Every new financial year comes with a list of must-do tasks, but 2026-27 is bringing a range of fresh challenges

Save for a house deposit

Buying a house is exciting and life changing. It all starts with saving for the deposit. Find out how much

Choosing a home loan

When you’re looking for a good deal on a home loan, the interest rate matters. With the cash rate on

Releasing the value in your home

Rising property prices have led many people to look for ways to unlock the increased equity in their homes so

Credit scores and credit reports

Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. Knowing

Claiming a super death benefit

If someone close to you has died, you may be able to claim a super death benefit. What is a

Record SMSF growth driven by digital access

Record SMSF growth driven by AI and digital tools, but admin and compliance challenges persist 48,500 new SMSFs were established

What the Payday Super changes mean for your retirement

Significant reforms to the Australian superannuation system are about to take effect and could help people boost their super balances

How SMSFs are taxed

How self-managed super funds (SMSFs) are taxed, what is assessable income, and what are allowable deductions. Tax on income Self-managed

Departing Australia superannuation payment

If you’re a temporary resident of Australia, how to claim your superannuation when you leave. Eligibility for Departing Australia superannuation

SMSF record-keeping requirements

How self-managed super fund (SMSF) trustees can meet their responsibility to keep accurate tax and super records. How self-managed super

Legacy or liability? Planning a smooth wealth transfer

Australians inherited an estimated $150 billion in 2024, an increase of more than 70 per cent in a decade, according

Estate planning gives you a final say

Planning for what happens when you pass away or become incapacitated is an important way of protecting those you care

Yours, mine and ours – estate and succession planning for modern families

Navigating complex family relationships and blended families can be challenging at times and particularly when a family member dies. A

Seniors face health insurance bill shock of up to $1,600 a year

Older Australians could face health insurance price rises three times higher than others under new government rebate changes. Here’s what

Age Pension increase offers relief as deeming rates rise gradually

The Federal Government increased the Age Pension from 20 March 2026, alongside a gradual rise in deeming rates. Advocacy group

New aged care act: what you need to know

Sweeping reforms to aged care began on 1 November 2025 to help improve the quality, transparency and flexibility of care.

Financial Library

BM&K Financial Services is pleased to keep you informed with the latest financial planning articles.

If you would like to discuss how one of the financial advisers at BM&K Financial Services can assist you with your wealth creation goals, please book a chat.

We would like to help you with your financial future

Please contact us

Complimentary 15 Minute Chat