---
title: WLM Blog | Financial Planning (2)
description: "Financial Planning | More than a blog, this page is where we release our latest market insights, case studies and other timely content. Check back often.  \n (2)"
image: https://insights.wlm.com.au/hubfs/WLM%20Accounting%20Blog.jpg
---

[![WLM\_Logo\_RGB\_Orn50](https://insights.wlm.com.au/hs-fs/hubfs/WLM_Logo_RGB_Orn50.png?width=521&height=169&name=WLM_Logo_RGB_Orn50.png "WLM_Logo_RGB_Orn50")](http://wlm.com.au/)

- [About](https://www.wlm.com.au/about/)
- [Services](https://www.wlm.com.au/services/) 
    - [Tax & Compliance](https://www.wlm.com.au/services/tax-and-compliance/)
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- [Clients](https://www.wlm.com.au/clients/) 
    - [Construction & Trades](https://www.wlm.com.au/clients/construction/)
    - [Family Business](https://www.wlm.com.au/clients/family-business/)
    - [Insurance & Financial Services](https://www.wlm.com.au/clients/insurance-and-financial-services/)
    - [Renewable Energy & Environment](https://www.wlm.com.au/clients/renewable-energy-and-environment/)
    - [Service-based & Other Business](https://www.wlm.com.au/clients/service-based-and-other-business/)
- [Insights & Case Studies](https://insights.wlm.com.au/blog) 
    - [Blog](https://insights.wlm.com.au/blog)
    - [Buying a property with a business partner](https://explore.wlm.com.au/buying_a_property_with_a_business_partner_download)
    - [How to minimise tax & risk with business structure](https://explore.wlm.com.au/business-structure-whitepaper-download)
- [Contact](https://www.wlm.com.au/contact/)

[Login](https://clientlogin-us2.karbonhq.com/4Frhz6cPZq6r)

- [About](https://www.wlm.com.au/about/)
- [Services](https://www.wlm.com.au/services/) 
    - [Tax & Compliance](https://www.wlm.com.au/services/tax-and-compliance/)
    - [Strategy & Advice](https://www.wlm.com.au/services/strategy-and-advice/)
- [Clients](https://www.wlm.com.au/clients/) 
    - [Construction & Trades](https://www.wlm.com.au/clients/construction/)
    - [Family Business](https://www.wlm.com.au/clients/family-business/)
    - [Insurance & Financial Services](https://www.wlm.com.au/clients/insurance-and-financial-services/)
    - [Renewable Energy & Environment](https://www.wlm.com.au/clients/renewable-energy-and-environment/)
    - [Service-based & Other Business](https://www.wlm.com.au/clients/service-based-and-other-business/)
- [Insights & Case Studies](https://insights.wlm.com.au/blog) 
    - [Blog](https://insights.wlm.com.au/blog)
    - [Buying a property with a business partner](https://explore.wlm.com.au/buying_a_property_with_a_business_partner_download)
    - [How to minimise tax & risk with business structure](https://explore.wlm.com.au/business-structure-whitepaper-download)
- [Contact](https://www.wlm.com.au/contact/)

# News, views and more

More than a blog, this page is where we release our latest market insights, case studies and other timely content. Check back often.

### Most Recent

**[Categories](https://insights.wlm.com.au/blog/tag/financial-planning/page/2#!)**

- [Accounting](https://insights.wlm.com.au/blog/tag/accounting)
- [Business Owners](https://insights.wlm.com.au/blog/tag/business-owners)
- [Australian Taxation Laws](https://insights.wlm.com.au/blog/tag/australian-taxation-laws)
- [Financial Planning](https://insights.wlm.com.au/blog/tag/financial-planning)
- [Tax Planning](https://insights.wlm.com.au/blog/tag/tax-planning)
- [ATO](https://insights.wlm.com.au/blog/tag/ato)
- [Superannuation](https://insights.wlm.com.au/blog/tag/superannuation)
- [Professionals](https://insights.wlm.com.au/blog/tag/professionals)
- [Home Owners & Investors](https://insights.wlm.com.au/blog/tag/home-owners-investors)
- [Family Business](https://insights.wlm.com.au/blog/tag/family-business)
- [25/26 Financial Year](https://insights.wlm.com.au/blog/tag/25-26-financial-year)
- [Self Managed Super Funds](https://insights.wlm.com.au/blog/tag/self-managed-super-funds)
- [Renewable Energy & Environment](https://insights.wlm.com.au/blog/tag/renewable-energy-environment)
- [23/24 Financial Year](https://insights.wlm.com.au/blog/tag/23-24-financial-year)
- [Construction](https://insights.wlm.com.au/blog/tag/construction)
- [Trusts](https://insights.wlm.com.au/blog/tag/trusts)
- [24/25 Financial Year](https://insights.wlm.com.au/blog/tag/24-25-financial-year)
- [Case Studies](https://insights.wlm.com.au/blog/tag/case-studies)
- [Insurance Underwriting](https://insights.wlm.com.au/blog/tag/insurance-underwriting)
- [Personal Income Tax](https://insights.wlm.com.au/blog/tag/personal-income-tax)
- [Payroll Tax](https://insights.wlm.com.au/blog/tag/payroll-tax)
- [WLM News](https://insights.wlm.com.au/blog/tag/wlm-news)
- [22/23 Financial Year](https://insights.wlm.com.au/blog/tag/22-23-financial-year)
- [26/27 Financial Year](https://insights.wlm.com.au/blog/tag/26-27-financial-year)

[![FY25 budget guide for superannuation and investors](https://insights.wlm.com.au/hubfs/FY25%20budget%20guide%20for%20superannuation%20and%20investors.png)](https://insights.wlm.com.au/blog/fy25_budget_guide_for_superannuation_investors)

**Financial Planner**

 16 May 2024 —  5 min read

### [FY25 budget guide for superannuation and investors](https://insights.wlm.com.au/blog/fy25_budget_guide_for_superannuation_investors)

Those with large superannuation balances will be disappointed that the 30% tax on super earnings on balances above $3 million remains in place, this is set to commence from 1 July 2025.

[Read more](https://insights.wlm.com.au/blog/fy25_budget_guide_for_superannuation_investors)

[![2024 Minimise your personal Tax](https://insights.wlm.com.au/hubfs/MINIMISE%20YOUR%20PERSONAL%20TAX.png)](https://insights.wlm.com.au/blog/minimise-your-personal-tax-2024-tax-planning-guide-0)

![Charley Tarchichi](https://insights.wlm.com.au/hs-fs/hubfs/WLM-ingrid-photography--0107-1.jpg?width=400&height=250&name=WLM-ingrid-photography--0107-1.jpg)

**Charley Tarchichi**

 10 April 2024 —  7 min read

### [Minimise your personal tax: 2024 tax planning guide](https://insights.wlm.com.au/blog/minimise-your-personal-tax-2024-tax-planning-guide-0)

Now's the time to review what strategies you can use to minimise your tax before 30 June 2024. 

[Read more](https://insights.wlm.com.au/blog/minimise-your-personal-tax-2024-tax-planning-guide-0)

[![How to take advantage of the 1 July super cap increase](https://insights.wlm.com.au/hubfs/How%20to%20take%20%20advantage%20of%20the%20%201%20July%20super%20cap%20increase-1.png)](https://insights.wlm.com.au/blog/how_to_take_advantage_of_the_super_cap_increase)

**Financial Planner**

 18 March 2024 —  5 min read

### [How to take advantage of the 1 July super cap increase](https://insights.wlm.com.au/blog/how_to_take_advantage_of_the_super_cap_increase)

From 1 July 2024, the amount you can contribute to super will increase. We show you how to take advantage of the change. 

[Read more](https://insights.wlm.com.au/blog/how_to_take_advantage_of_the_super_cap_increase)

[![Can my SMSF invest in property development?](https://insights.wlm.com.au/hubfs/Can%20my%20SMSF%20invest%20in%20property%20development.png)](https://insights.wlm.com.au/blog/can-my-smsf-invest-in-property-development)

**Financial Planner**

 22 February 2024 —  4 min read

### [Can my SMSF invest in property development?](https://insights.wlm.com.au/blog/can-my-smsf-invest-in-property-development)

**Australians love property and the lure of a 15% preferential tax rate on income during the accumulation phase, and potentially no tax during retirement, is a strong incentive for many SMSF trustees to dream of large returns from property..**

[Read more](https://insights.wlm.com.au/blog/can-my-smsf-invest-in-property-development)

[![portfolio diversification](https://insights.wlm.com.au/hubfs/2024%20portfolio%20diversification%20is%20key.png)](https://insights.wlm.com.au/blog/2024portfoliodiversification)

**Financial Planner**

 22 January 2024 —  2 min read

### [2024 - Portfolio diversification is key](https://insights.wlm.com.au/blog/2024portfoliodiversification)

The ‘Santa Claus Rally’ arrived for global share markets as the long-awaited pivot in monetary policy from the US Federal Reserve arrived at its December meeting. Although the Fed kept the federal funds rate target on hold, it flagged the current..

[Read more](https://insights.wlm.com.au/blog/2024portfoliodiversification)

[![financial freedom](https://insights.wlm.com.au/hubfs/Blog%20Photo.png)](https://insights.wlm.com.au/blog/overcoming_analysis_paralysis)

**Financial Planner**

 20 November 2023 —  1 min read

### [Case Study: Overcoming ‘analysis paralysis’ with financial forecasting](https://insights.wlm.com.au/blog/overcoming_analysis_paralysis)

Sometimes the first step in being able to plan for the future is to be able to make a big decision about something in life. However, what happens if there is a stumbling block keeping you awake at night that you just can’t seem to move past?

[Read more](https://insights.wlm.com.au/blog/overcoming_analysis_paralysis)

[![](https://insights.wlm.com.au/hubfs/Early%20inheritance%201200px.jpg)](https://insights.wlm.com.au/blog/case-study-an-early-inheritance-strategy)

**Financial Planner**

 29 October 2023 —  2 min read

### [Case Study: An Early Inheritance Strategy](https://insights.wlm.com.au/blog/case-study-an-early-inheritance-strategy)

As part of WLM's financial planning philosophy, we sit with clients and tailor our advice to their individual goals. Part of this process is to work out their cashflow needs to live comfortably in retirement and how much they need as an asset base..

[Read more](https://insights.wlm.com.au/blog/case-study-an-early-inheritance-strategy)

[![Intergenerational wealth transfer](https://insights.wlm.com.au/hubfs/Inetrgenerational%20wealth%201200px.jpg.jpg)](https://insights.wlm.com.au/blog/intergenerational-wealth-transfer-tips-tricks)

**Financial Planner**

 26 September 2023 —  2 min read

### [Intergenerational Wealth Transfer Tips & Tricks](https://insights.wlm.com.au/blog/intergenerational-wealth-transfer-tips-tricks)

Intergenerational wealth transfer is the process of passing assets, wealth, and financial resources from one generation to the next, typically from parents or grandparents to their children or grandchildren. Effective financial planning for..

[Read more](https://insights.wlm.com.au/blog/intergenerational-wealth-transfer-tips-tricks)

[![Estate Planning](https://insights.wlm.com.au/hubfs/Estate%20Planning.jpg)](https://insights.wlm.com.au/blog/make-sure-you-have-your-business-will-in-place)

**Financial Planner**

 23 August 2023 —  2 min read

### [Make sure you have your business will in place](https://insights.wlm.com.au/blog/make-sure-you-have-your-business-will-in-place)

Over the last few months, WLM has held a lot of Annual General Meeting (AGM’s) with our business clients. The purpose of the AGM is to get the client, WLM accountant and financial planner in the same room to review business cashflow and..

[Read more](https://insights.wlm.com.au/blog/make-sure-you-have-your-business-will-in-place)

[![](https://insights.wlm.com.au/hubfs/A%20super%20way%20to%20save%20tax%201200px%5B2%5D.jpg)](https://insights.wlm.com.au/blog/a-super-way-to-save-tax)

**Financial Planner**

 27 July 2023 —  2 min read

### [A SUPER way to save tax](https://insights.wlm.com.au/blog/a-super-way-to-save-tax)

I hope you all had a prosperous 2023 Financial Year. At WLM, we spent a lot of time with our clients working on strategies to save tax in the lead up to 30th June.

[Read more](https://insights.wlm.com.au/blog/a-super-way-to-save-tax)

<https://insights.wlm.com.au/blog/tag/financial-planning/page/1> [1](https://insights.wlm.com.au/blog/tag/financial-planning/page/1) [2](https://insights.wlm.com.au/blog/tag/financial-planning/page/2) [3](https://insights.wlm.com.au/blog/tag/financial-planning/page/3) [4](https://insights.wlm.com.au/blog/tag/financial-planning/page/4) [5](https://insights.wlm.com.au/blog/tag/financial-planning/page/5) [...](https://insights.wlm.com.au/blog/tag/financial-planning/page/7) [9](https://insights.wlm.com.au/blog/tag/financial-planning/page/9) <https://insights.wlm.com.au/blog/tag/financial-planning/page/3>

### Free Resources

- [Whitepaper: How to minimise tax & risk with business structure](https://explore.wlm.com.au/business-structure-whitepaper-download)
- [Whitepaper: Buying a property with a business partner](https://explore.wlm.com.au/buying_a_property_with_a_business_partner_download)
- [E-Guide: 7 financial mistakes of builders and tradies](https://explore.wlm.com.au/financial-mistakes-of-builders-and-tradies)
- [E-Guide: Tax and accounting considerations for setting up an insurance underwriting agency in Australia](https://explore.wlm.com.au/tax-and-accounting-considerations-for-setting-up-an-insurance-underwriting-agency-in-australia)
- [A guide to the Federal Budget 2025 - 26](https://explore.wlm.com.au/a-guide-to-the-federal-budget-2025-26)
- [EOFY Tax Planning Webinar](https://youtu.be/xhf7yafx8YE?si=TuqCM5eEtWPP91lg)
- [EOFY business checklist](https://explore.wlm.com.au/your-business-end-of-financial-year-checklist)

### Blog Categories

- [Accounting (169)](https://insights.wlm.com.au/blog/tag/accounting)
- [Business Owners (143)](https://insights.wlm.com.au/blog/tag/business-owners)
- [Australian Taxation Laws (126)](https://insights.wlm.com.au/blog/tag/australian-taxation-laws)
- [Financial Planning (88)](https://insights.wlm.com.au/blog/tag/financial-planning)
- [Tax Planning (76)](https://insights.wlm.com.au/blog/tag/tax-planning)
- [ATO (56)](https://insights.wlm.com.au/blog/tag/ato)
- [Superannuation (54)](https://insights.wlm.com.au/blog/tag/superannuation)
- [Professionals (40)](https://insights.wlm.com.au/blog/tag/professionals)
- [Home Owners & Investors (34)](https://insights.wlm.com.au/blog/tag/home-owners-investors)
- [Family Business (30)](https://insights.wlm.com.au/blog/tag/family-business)
- [25/26 Financial Year (25)](https://insights.wlm.com.au/blog/tag/25-26-financial-year)
- [Self Managed Super Funds (23)](https://insights.wlm.com.au/blog/tag/self-managed-super-funds)
- [Renewable Energy & Environment (20)](https://insights.wlm.com.au/blog/tag/renewable-energy-environment)
- [23/24 Financial Year (18)](https://insights.wlm.com.au/blog/tag/23-24-financial-year)
- [Construction (18)](https://insights.wlm.com.au/blog/tag/construction)
- [Trusts (18)](https://insights.wlm.com.au/blog/tag/trusts)
- [24/25 Financial Year (17)](https://insights.wlm.com.au/blog/tag/24-25-financial-year)
- [Case Studies (17)](https://insights.wlm.com.au/blog/tag/case-studies)
- [Insurance Underwriting (16)](https://insights.wlm.com.au/blog/tag/insurance-underwriting)
- [Personal Income Tax (13)](https://insights.wlm.com.au/blog/tag/personal-income-tax)
- [Payroll Tax (9)](https://insights.wlm.com.au/blog/tag/payroll-tax)
- [WLM News (9)](https://insights.wlm.com.au/blog/tag/wlm-news)
- [22/23 Financial Year (8)](https://insights.wlm.com.au/blog/tag/22-23-financial-year)
- [26/27 Financial Year (8)](https://insights.wlm.com.au/blog/tag/26-27-financial-year)

## Subscribe

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###### Contact

WLM Financial Services Pty Limited  
Level 20, 56 Pitt Street, Sydney NSW 2000  
GPO Box 5025, Sydney NSW 2001

**T** [02 9221 7777](tel:292217777)

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- [TAX & COMPLIANCE](https://www.wlm.com.au/services/tax-and-compliance/) 
    - [Business Tax](https://www.wlm.com.au/services/tax-and-compliance/business-tax/)
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- [CLIENTS](https://www.wlm.com.au/clients/) 
    - [Construction & Trades](https://www.wlm.com.au/clients/construction/)
    - [Family Business](https://www.wlm.com.au/clients/family-business/)
    - [Insurance Underwriting, Insurance Brokers & Financial Services](https://www.wlm.com.au/clients/insurance-and-financial-services/)
    - [Renewable Energy Projects & Asset Managers](https://www.wlm.com.au/clients/renewable-energy-and-environment/)
    - [Service-based and Other Business](https://www.wlm.com.au/clients/service-based-and-other-business/)
- [OTHER](http://wlm.com.au/about/) 
    - [Resources](https://insights.wlm.com.au/blog)
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###### [Insights](https://insights.wlm.com.au/blog)

###### Legal Notices

The information contained in the WLM website, has been prepared from a wide variety of sources, which WLM, to the best of its knowledge and belief, considers accurate. WLM does not however warrant the accuracy of the information and forecasts possibly contained in the WLM website. No visitor to the site should rely upon the information and/or recommendations contained in the WLM website. WLM strongly recommends that all prospective purchasers of securities should make their own inquiries and seek professional advice before acting on any of the information contained in the WLM website. Should you wish to seek advice, please feel welcome to [contact us](http://wlm.advisclient.com.au/contact/).