Happy New Financial Year!

The 2021/22 Financial year is here! Congratulations for making it through the 2020/21 year!

No one could have predicted the unprecedented challenges we have faced not only individually but globally, with a pandemic climate not seen for over 100 years. This year, there are some changes to be aware of that may impact you personally.

Before we dive into the detail, have you set yourself any goals for the new financial year?
July can be the perfect time to reassess your circumstances and put a plan in place for the next 6 months as we move into the second half of 2021.

There are a number of items to be across in our July edition of The Adviser Monthly, including Superannuation increases & RBA Interest rate discussions, some tax time tips that you may not have been aware of, and some interesting information on ethical investing.

We are not surprised that Australian household wealth has reached another high of $492,055. That’s up by $19,494 in three months. Are you one of the benefactors?

Read on to find out more.

The team at Make Work Optional Financial Planning wishes you a happy and safe July. Stay warm and remember we are almost halfway through winter!

Are Record Low-Interest Rates Here to Stay?

The Reserve bank left the cash rate target at a record low 0.1 percent on Tuesday last week, but will this continue into 2024? How will the trimmed bond-buying program affect the interest rate?
The Adviser Monthly July 2021 Are Record Low-interest Rates Here to Stay
The Adviser Monthly July 2021 Positive Goal-setting for the New Financial New Year

Positive Goal-setting for the New Financial Year

The new financial year can be a great time to reassess your circumstances, whether it’s your living situation, budget, or overall goals. What goals have you set for the new financial year?

Do I Have to Declare My Partner’s Income?

In tax terms, the ‘spouse’ includes the partner you live with. It doesn’t matter if you don’t share your finances. If you’re in a relationship and you’re living under the same roof, you have got to declare it.

The Adviser Monthly July 2021 Do I Have to Declare My Partners Income
The Adviser Monthly July 2021 Changes in Superannuation 2021

Changes in Superannuation from 2021

The new Superannuation changes that have begun from 1 July, will boost retirement savings for millions of Australians. What will these changes mean for you and your golden years?

The Rise of Ethical Investments

Ethical investing is not only a way to hold companies accountable for the environmental, social, and ethical consequences of their actions. It also includes making investment choices that align with personal values and seeking to use investment dollars to influence the way businesses to behave.
The Adviser Monthly July 2021 The Rise of Ethical Investments
The Adviser Monthly July 2021 Are You Getting Any Wealthier

Are You Getting Any Wealthier?

In case you didn’t hear, the Australian household wealth has reached another high of $492,055. That’s up by $19,494 in three months. But is this for everyone? The answer is ‘yes’ if you own a specific asset class. If not, then this new year should allow you to re-evaluate your financial standing.



I have been to the top of Mount Canobolas numerous times but hadn’t actually ventured off on any of the numerous walking tracks. So having a half-day to spare, I decided to take to one of the tracks, which led me to Federal Falls. Thankfully, luck was on my side as I went the easier direction, where it was more steep going down but more of a slight incline on the way back.

There are so many benefits of exercise yet it is so easy to let it go by the wayside including fitness, cardiac health, alleviates depression and fatigue, improves mood, creates less stress on joints, and reduces pain, can prevent weight gain, reduce the risk for cancer and chronic disease, improve endurance, circulation, and posture, and the list goes on…

It was great to get out in the fresh air, it was a bit cool which was nice when the body temperature was rising.

Thought to live by.


Do not wait until the conditions are perfect to begin. Beginning makes the conditions perfect.


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