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A better way to think about your finances at every stage of life

A better way to think about your finances at every stage of life

by APS Benefits | Apr 28, 2026 | Financial Planning

Financial planning isn’t a one-size-fits-all approach. What matters to you in your early working years will look very different to what matters later in life. The good news is that with the right support and a clear plan, you can feel confident at every stage, knowing...
Is a savings account still enough in 2026?

Is a savings account still enough in 2026?

by APS Benefits | Feb 16, 2026 | Financial Planning

For many Australians, the idea of saving money has long been tied to one simple habit: putting it in a bank account and leaving it there. It feels safe, it’s familiar, and for generations, it was enough. But in 2026, that sense of security might be quietly...
Will aged care cost changes affect your family’s plans?

Will aged care cost changes affect your family’s plans?

by APS Benefits | Dec 4, 2025 | Financial Planning

Significant changes to aged care funding have just come into effect (from 1 November 2025), and they could have a direct impact on your family’s financial plans. Whether you’re exploring residential aged care now or planning, here’s what you need to know about the...
The financial side of aged care, and why advice matters more than ever

The financial side of aged care, and why advice matters more than ever

by APS Benefits | Sep 23, 2025 | Financial Planning

Deciding to move into aged care is never easy. It’s an emotional time for families and often comes with a long list of questions, from where to live to how to pay for it all. Among the biggest concerns is the financial side, and it’s no surprise why. Aged care in...
Superannuation secrets: how to grow your balance and pay less tax

Superannuation secrets: how to grow your balance and pay less tax

by APS Benefits | Apr 29, 2025 | Financial Planning

A lot of our clients come to us feeling unsure about their superannuation. They might be wondering if they’re doing enough, or if there are smarter ways to grow their balance without making big lifestyle changes. The good news is that with a few simple strategies,...
What’s the best investment strategy right now?

What’s the best investment strategy right now?

by APS Benefits | Apr 7, 2025 | Financial Planning

With interest rates beginning to ease and the cost of living still putting pressure on household budgets, many Australians are wondering what to do with their savings. Is now the right time to invest? And if so, where? A lot of our clients are asking these exact...
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Copyright © 2020. All rights reserved | ABN 64 077 846 809 | AFSL/Australian Credit Licence 244115 I APS Financial Planning Pty Ltd and its advisers are Authorised Representatives of Beryllium Advisers Pty Ltd ABN 30 646 510 769 AFSL 528250 I APS Savings Ltd ACN 150 630 694 | APS Savings Ltd AFSLN 405934 | APS Savings Ltd is the product issuer of APS Notes but is not licensed to provide general advice in relation to APS Notes or debentures generally. APS Notes is not a bank product. No independent assessment has been made about the risk of investing in APS Notes and there is a risk you may lose some or all of your money when investing with APS Savings Ltd. Any information about APS Notes is provided by APS Savings Ltd and has been prepared without taking into account your objectives, financial situation or needs. Applications for deposit notes can only be made on the Investment Application Form which accompanies the prospectus issued by APS Savings Ltd. Please read the prospectus carefully and consider the appropriateness of this information before deciding whether to make an investment.