THE ADVISER’S NOTEBOOK
August 2025
Welcome to the August Edition of the Adviser’s Notebook!
As we move into August, it’s worth taking a moment to see if your retirement plans are still on track- small tweaks now can make a big difference later. This month, we’re focusing on superannuation and the many ways you can strengthen your financial foundations, whether you’re just starting out, mid-way through your career, or approaching life after work.
Think of this edition as your friendly nudge to check in on your super, ensure it’s on track, and avoid the little traps that can quietly erode your future wealth. We’re sharing practical guidance on knowing if your balance is right for your age, how much you may need to retire comfortably, and what steps to take if you have multiple accounts draining your savings.
We’re also exploring the emotional side of retirement, what really happens when the structure of work falls away and strategies for managing common retirement risks so your income lasts as long as you do. Plus, in this week’s market update, you’ll find timely insights into global trends, interest rate moves, and what they could mean for your investment strategy.
At Your Wealth Hub Advice, we’re here to help you prepare not just for a good retirement, but for a great one.
Click below to explore this month’s articles and take the next step toward a secure and rewarding future.
Warm regards,
Gavin Glozier, Grad Dip, Fin Plan
CEO & Principal Financial Adviser
P 1300 763 498 • M 0408 155 140
Level 17, Angel Place, 123 Pitt Street, Sydney NSW 2000
Life the life you want to live.
Are You On Track? What Your Super Balance Should Look Like By Age
Not sure if your superannuation is on the right path? This article compares your balance against age-based benchmarks to give you a clearer picture of where you stand. Drawing on national statistics for Australians at different life stages, it shows how many people feel unprepared and offers practical steps if you're falling behind. Whether you’re just starting out or nearing retirement, understanding these benchmarks can help you make informed decisions and take action where needed. Click to explore how your super compares and what you can do to strengthen it.
How Much Super Should You Have At Retirement?
Wondering if your superannuation savings will be enough to support the lifestyle you envision at retirement? This article breaks down how much Australians typically need in retirement by age, using realistic average figures. Whether you're decades away from retiring or getting close, measuring your progress against these benchmarks can help you adjust contributions and financial plans accordingly. Click to compare your balance, set more informed retirement goals, and take action where needed for greater peace of mind.
Multiple Super Accounts? See How They Might Be Costing You
Holding several superannuation accounts might seem harmless, but this article reveals how they can quietly erode your retirement savings over time. Hidden fees, duplicate insurance premiums, and inefficient investment allocations are just a few of the issues that can add up. By consolidating accounts and simplifying your approach, you can save on fees, improve returns, and keep more of your hard-earned money working for you. Click to learn how streamlining your super can make a significant difference to your retirement future.
The Emotional Side Of Retirement: What Comes After Work
Retirement marks a major life transition—and surprisingly, many people say their emotions during this time swing from excitement to uncertainty. This article explores how having a clear purpose, planning your post-work routine, and staying flexible can make all the difference in creating a meaningful and fulfilling retirement. Whether you’re close to retiring or still years away, these insights offer valuable reminders for building a future you’re truly ready for.
Mitigating Retirement Risks For A Secure Future
As life expectancy rises and retirement lifestyles evolve, managing the financial risks of this phase is more important than ever. This article breaks down the principal challenges retirees face like outliving your savings, inflation eroding your purchasing power, and the temptation to change investment strategies in reaction to market swings. You’ll also learn proven approaches such as portfolio structuring (“bucket strategies”) and the role of annuities in securing income. These insights can help ensure your retirement plan remains reliable and resilient in the years ahead. Click to explore how thoughtful planning today can create peace of mind for tomorrow.
Market Check-in: What This Week’s Update Means For Your Financial Plan
Markets are entering a seasonally weaker period, and this latest report highlights both risk and opportunity ahead. While stretched valuations and global tensions—like U.S. tariffs—could lead to short-term volatility, central bank rate cuts and a potential rebound later in the year offer hope for investors. The report also notes a modest upswing in Australian home prices and suggests more balanced returns from bonds and cash as rates ease. Click to get insights into how economic shifts might impact your investment strategy and financial planning for FY26.
“Someone’s sitting in the shade today because someone planted a tree a long time ago.”
Warren Buffett