Financial Library

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

Superannuation: more relevant than ever

A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as

Almost 3 million workers will get a 4.75% pay rise in July. But wages can’t catch up with inflation

Around 2.8 million of Australia’s lowest-paid workers got a 4.75% pay rise from July 1 this year, after the latest

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

Home loan pre-approval

Everything you need to know about getting a pre-approval for your mortgage. What is pre-approval? Home loan pre-approval (or conditional

What’s your risk profile?

Understanding your risk profile is one of the most important steps you can take as an investor. It helps shape

Tax Alert June 2026

Recent updates from the ATO highlight a mix of proposed tax changes and compliance priorities, with new draft legislation under

Almost 3 million workers will get a 4.75% pay rise in July. But wages can’t catch up with inflation

Around 2.8 million of Australia’s lowest-paid workers got a 4.75% pay rise from July 1 this year, after the latest

Home loan pre-approval

Everything you need to know about getting a pre-approval for your mortgage. What is pre-approval? Home loan pre-approval (or conditional

What’s your risk profile?

Understanding your risk profile is one of the most important steps you can take as an investor. It helps shape

Insider trading

Acting on a hot tip might sound like a good idea when investing but if that hot tip is inside

Global impacts: What Australian businesses need to know

Find out how the Australian Government is supporting businesses impacted by global events. Read the latest on fuel supply, supply

Bills of exchange

Bills of exchange can look and sound similar to term deposits, but they do not have the same protections and

Superannuation: more relevant than ever

A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as

Searching for lost super

How to check for lost member super accounts. What is lost super Lost member super accounts are reported to the

Creating a retirement financial plan

Start your retirement financial plan early Don’t wait until you’re getting close to retirement to start your plan. You have

Retirement income options when markets are volatile

The income assumptions many have carried into retirement are being tested in the current economic climate. Markets have lurched from

Contractors – when to pay super under Payday Super

With Payday Super approaching fast, now’s the time to look at how you pay super for independent contractors. While Payday

Finding balance in fixed income

Higher yields and income keep bonds resilient amid volatility The first quarter of 2026 has delivered no shortage of headlines,

Superannuation: more relevant than ever

A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as

Searching for lost super

How to check for lost member super accounts. What is lost super Lost member super accounts are reported to the

Creating a retirement financial plan

Start your retirement financial plan early Don’t wait until you’re getting close to retirement to start your plan. You have

Retirement income options when markets are volatile

The income assumptions many have carried into retirement are being tested in the current economic climate. Markets have lurched from

Contractors – when to pay super under Payday Super

With Payday Super approaching fast, now’s the time to look at how you pay super for independent contractors. While Payday

Finding balance in fixed income

Higher yields and income keep bonds resilient amid volatility The first quarter of 2026 has delivered no shortage of headlines,

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

Choosing home insurance

Home insurance protects one of your most important assets. What is home insurance Home insurance covers the cost of repairing

Protecting what matters most

We plan for holidays, home renovations, and retirement but we’re less likely to plan for the unexpected. Life insurance is

The silent partner in your wealth plan

When you think about building wealth, you may picture investments, property and superannuation. But there’s another critical element: insurance. It’s

Insuring against loss of income

Protecting income from unexpected illness and injury is particularly important to anyone with a mortgage to service, small business owners

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

Superannuation: more relevant than ever

A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as

Searching for lost super

How to check for lost member super accounts. What is lost super Lost member super accounts are reported to the

Contractors – when to pay super under Payday Super

With Payday Super approaching fast, now’s the time to look at how you pay super for independent contractors. While Payday

Get prepared for June 30

Tax time is just around the corner, so now is the time to get ahead and find out what strategies

Your 30 June superannuation checklist

Five easy ways to get more into your super fund before the end of the financial year With the end

Can I access my super early?

Many older Australians are understandably eager to access their superannuation, but strict rules apply. For many Australians, superannuation will be

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.

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