
Now & Next Summer
Most retirees move through three stages of retirement, each with different spending and income needs.

Most retirees move through three stages of retirement, each with different spending and income needs.

Your super is likely one of your largest assets. It’s also one of the most overlooked. While retirement might feel distant, the decisions you make today, or neglect to make, directly shape the lifestyle you’ll enjoy when you stop working. The good news? Most super mistakes are entirely avoidable once you know what to look for.

In this edition of Now & Next, we explore the shifting financial landscape as we head into the final quarter of the calendar year, and what that means for busy professionals, families, and business owners looking to stay proactive.

At Moiler Wealth, we often say that financial planning isn’t about products or paperwork, it’s about outcomes. Behind every figure and number is a story of greater confidence, freedom, and security.

This winter, the financial landscape continues to shift, but the most powerful strategy remains the same: clarity and action. In the latest Now&Next update, we break down what’s happening right now in finance, what’s on the horizon, and most importantly: what you can do about it.

As we approach 30 June, many Australians turn their attention to tidying up their finances before the end of the financial year.

As retirement draws near, your financial world begins to look a little different. You’re less focused on income growth and more concerned with protecting what you’ve built—and that includes reviewing personal insurance.

At some point, every successful family will face a critical question: how do we ensure our wealth is passed down efficiently, securely, and in a way that benefits future generations? Whether it’s a family business, a property portfolio, or carefully built investments, structuring wealth transfer correctly is crucial to preserving its value.

Treasurer Jim Chalmers handed down the Federal Budget on 25 March 2025, revealing a $27.6 billion deficit for the current financial year and forecasting continued deficits across the forward estimates. Despite this, net debt remains stable at $556 billion.