Over summer, the days feel longer, the calendar is often lighter, and there’s usually more time to connect with the people who matter most.
While it’s tempting to keep things light, this quieter season can also be the perfect time to have the important conversations we tend to put off. Especially the ones about money, planning and what matters most to your family’s future.
Here are five conversations worth having this summer, even if they feel a little awkward to start.
1. Who’s looking after your wishes?
It’s easy to assume wills and estate planning are only for people with big houses or complex finances, but every family can benefit from having a clear, legally binding plan in place.
Whether it’s about who will care for your children, how your assets are divided, or who will make decisions on your behalf if you’re unable to, estate planning is about making your wishes known and protecting the people you love.
Our legal team makes the process simple, accessible and affordable. You may even be able to create a will online in as little as 30 minutes.
Learn more about APS Online Wills.
2. Are your super goals still on track?
With the end of the year in sight, now is a great time to check in on your superannuation. Has your fund performed the way you expected? Are your beneficiaries still appropriate and up to date? Do your investment choices still suit your goals?
A quiet moment over summer could be all you need to take stock and make any adjustments.
If you’re not sure where to start, our experienced and friendly financial planners can help you review your super and build a plan that supports your lifestyle now and into retirement, whatever that looks like for you.
Speak to an APS Financial Planner.
3. What if something happened tomorrow?
It’s not always easy to talk about, but thinking ahead can make a huge difference during a difficult time.
Having funeral benefits or income protection in place is one way to ease financial stress for your family if something unexpected were to happen. These types of plans aren’t about being pessimistic; they’re about being prepared.
It’s one of the most caring things you can do for the people you love.
4. Should we get serious about our savings (or spending)?
Summer is a natural time to reflect, and often a time when holiday budgets, gift spending or travel costs put your finances front and centre.
Whether you want to save more, spend more mindfully or set a shared financial goal as a couple or family, having a casual but honest conversation now can set the tone for 2026.
From personal loans and tax planning to term investments, APS can help you make informed decisions with your money and give you tools to build momentum in the year ahead.
5. Are our documents up to date?
Many people have the right documents in place, like a power of attorney or guardianship instructions, but they forget to update them when life changes.
Summer is a great time to revisit those details and make sure everything still reflects your wishes. Changes in health, relationships or family structure can all have an impact.
Our team can help you review and update your documents with ease, so you can enjoy peace of mind knowing everything is in order.
Learn more about APS Legal Services.
Let’s make space for the important stuff
Having these conversations may feel uncomfortable at first, but they’re often the most meaningful. Whether it’s over a walk, a coffee or a quiet afternoon at home, taking time to plan together can ease stress, strengthen trust and set you up for a more confident year ahead.
If we can support you with any of these conversations, from financial advice to legal documents, our trusted team is here to help.