THE ADVISER’S NOTEBOOK
December 2025
Welcome to the December Edition of the Adviser’s Notebook!
As 2025 draws to a close, it’s the perfect moment to pause, reflect, and look ahead with purpose. This time of year offers a chance to not just celebrate how far you’ve come, but also to set fresh intentions for the year ahead — financially and personally.
At Your Wealth Hub Advice, we’re grateful for the trust you’ve placed in us throughout the year. It’s been a privilege to support you in navigating markets, reaching milestones, and planning for your financial goals. As we move into 2026, our focus remains the same: helping you make confident, informed decisions that align with your life’s bigger picture.
This month’s edition is all about reflection and preparation. From reviewing your financial progress and fine-tuning your investment strategy to setting new goals for the year ahead. Whether you’re planning to grow, simplify, or simply stay on track, these insights are designed to help you step into the new year with clarity and confidence.
Thank you for being part of the Your Wealth Hub community. Here’s to a relaxing holiday season and a successful start to 2026.
Explore this month’s articles below and take the next step toward a fresh, focused financial year ahead!
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
Live the life you want to live.
12 FINANCIAL TIPS FOR CHRISTMAS & BEYOND
The next few weeks are likely to bring extra spending, from gifts and gatherings to travel and entertainment. This article offers 12 practical financial tips to help you enjoy the festive season without compromising your long-term goals. From setting a gift budget and using cash-flow strategies to making smarter investment and saving decisions post-Christmas, it’s especially relevant for our December theme of reflection and planning for the year ahead. A great read for anyone wanting to end 2025 with clarity, stay on track, and begin 2026 on solid financial footing.
SURVIVING THE CHRISTMAS GIFT GAUNTLET
The holidays can bring joy but also pressure to spend. This article offers smart, realistic advice for navigating the festive gift season without overspending or stressing your finances. It encourages you to be honest about what you really want or need, avoid unnecessary purchases, and approach gifting in a way that aligns with your budget and long-term goals. A timely read if you want to enjoy the season heartfully without risking your financial well-being.
BRIGHTER SAVINGS HABITS AS 2025 COMES TO A CLOSE
Households across Australia are saving more of their income, the latest data shows the national savings rate rose to 6.4% in the September quarter. This uptick suggests many Australians are using recent wage gains, rate moves and income growth to rebuild cushions rather than increasing spending immediately. For those thinking about end-of-year budgets or planning ahead for 2026, it’s an encouraging sign, and a timely reminder to review how your savings stack up against national trends and whether your goals are on track.
NEW HOME-LOAN RULES: WHAT BORROWERS NEED TO KNOW
New lending rules are on the way, with APRA set to cap the number of high debt-to-income home loans banks can issue, a change that will affect how easily Australians can borrow in 2026. This article explains what the new limits mean for borrowers, how they could influence loan approvals, and why understanding your borrowing capacity is more important than ever as lending standards tighten. Ttis is a valuable read for anyone planning to buy, refinance, or revisit their financial goals before stepping into 2026.
WHY PRESERVING WEALTH ACROSS GENERATIONS MATTERS
Passing on wealth isn’t just about money. It’s about legacy, values and long-term security for your loved ones. Explore the real challenges many families face when trying to preserve wealth across generations — from changing economic conditions to decisions around inheritance, investments, and estate planning. As we wrap up 2025 and prepare for the new year, it’s a timely reminder: planning ahead can help ensure not just your financial well-being, but that of future generations too. Click to read on and discover strategies to help your wealth stand the test of time.
ATO UPDATES ON INCOME-SPLITTING: WHAT YOU NEED TO KNOW
The ATO has announced new rules around income-splitting strategies — and while the changes may sound daunting, this article breaks down what they really mean in a clear and practical way. It highlights how the updated guidance helps create more certainty, reduce future tax risks, and ensure income-sharing arrangements are structured correctly moving forward. If you’re planning your finances for 2026, this is a helpful read to stay informed, avoid surprises, and make confident adjustments that keep your tax strategy strong and compliant.
