https://www.chelseawealth.com.au/learn daily 0.75 2026-02-24 https://www.chelseawealth.com.au/learn/why-financial-advice-can-be-valuable-in-these-tricky-times monthly 0.5 2024-10-20 https://www.chelseawealth.com.au/learn/super-rules-have-changed-heres-what-it-means monthly 0.5 2026-02-24 https://www.chelseawealth.com.au/home daily 1.0 2026-02-18 https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/1650424924660-BORMKA6R3VV9LZYOG124/Chelsea+Wealth-14.jpg Home https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/1650425024185-58QMZ8EZK7J6VQTT2EJ4/Chelsea+Wealth-01.jpg Home https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/1650425180672-75NTJ07WH20DGMT2Z6LM/Chelsea+Wealth-12.jpg Home https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/1650599236325-SJCIU68D1J9PQSE8JFBQ/Chelsea+Wealth-28.jpg Home https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/1650599267783-2K5B2QK92018CDV0HWRD/Chelsea+Wealth-20.jpg Home https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/1650599301253-52NK0MCSXULY3LQSHE64/Chelsea+Wealth-25.jpg Home https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/1703219984026-04R47O797ZXLEC3IZGKM/GettyImages-1337986793.jpg Home https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/1d87c93e-88a9-418b-b065-bd6f8379a148/Chelsea+Web+Images.png https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/1003fcfc-caea-4f3e-a588-868fa0c5300f/1.jpg Home - We’re ready to help your financial future. A Chelsea Wealth financial planner can help you develop a plan that’s tailored for your needs and your circumstances. A plan that’s designed to help you achieve your goals, both in the lead up to, and during retirement. So, with a little help from a financial planner, perhaps you can retire sooner than you think? Isn’t it time to get your retirement sorted? https://www.chelseawealth.com.au/wealth-management daily 0.75 2024-02-16 https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/e3ebf22f-f430-4c3e-93e1-669d3e61a8ad/Chelseawealth+V2-13.jpg Wealth Management - What does a financial planner do? A financial planner is responsible for helping their clients manage their money. There are often many aspects to that management, including appropriate investment, tax-effective planning, saving for retirement, insurance and even helping to organise wills. However, before a financial planner reaches the stage of implementing strategies, they’ll often work with their clients on what they’d like to achieve from life. Once goals are established, the planner can put in place a roadmap for getting to those milestones, while taking into account general living costs. https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/f7963e00-92d6-4926-843a-7997edb9fe82/Chelsea+Wealth-16.jpg Wealth Management - How to pick a qualified financial planner. In the past few years, rules have changed to ensure financial planners are well-educated and qualified to meet their clients’ goals. Financial planners who meet the profession’s requirements are now listed on the Australian Securities and Investments Commission’s Financial Advisers Register. Here, prospective clients can see the financial planner’s experience, their qualifications and employment history before trusting them with their money. https://www.chelseawealth.com.au/wealth-creation daily 0.75 2024-02-16 https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/ac1e116e-bedb-49a1-aa82-9f2e641893ef/Chelsea+Wealth-12.jpg Wealth Creation - Popular wealth creation strategies Making super contributions – As a tax-friendly savings vehicle, superannuation allows Australians to accumulate wealth for retirement. Investing in property – With Australian housing prices on the rise, many have turned to bricks and mortar to build their wealth. Generally, returns are made when the property is leased out (rental income) or when the property is sold (capital gains). Building a share portfolio – Investing in the sharemarket is often seen as an alternative to property investment. Share investors make gains by selling a share they’ve owned or through dividends, which are a proportion of the company’s profits that are paid out to eligible shareholders (only some company’s pay dividends). Setting a budget – A budget can help people to reduce their costs and increase their savings. Over time, this can result in more money for the future. Increasing income – Getting a pay rise – whether it’s through promotion or CPI increases – can help to build wealth if the additional income is directed towards long-term goals. https://www.chelseawealth.com.au/superannuation-smsf daily 0.75 2026-02-24 https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/3d8f2ebf-49fd-467f-ba8b-eb0929227796/Chelsea+Wealth-28.jpg Superannuation & SMSF - What is an SMSF? Most Australians have their super stored in either an industry or retail super fund. These funds regularly deduct fees in return for holding onto peoples’ savings and are regulated by the Australian Prudential Regulatory Authority (APRA). As an alternative, a growing number of Australians are choosing to look after their own super with a self-managed super fund (SMSF). An SMSF allows an individual or couple to manage their own superannuation contributions, investments and insurance. They are regulated by the Australian Taxation Office. https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/5029c8ff-77f8-43e5-963e-c1cd349bab71/Chelsea+Wealth-14.jpg Superannuation & SMSF - Making the right choice for you and your family. Ultimately, the choice of whether to invest with an industry or retail super fund or an SMSF comes down to individual preference. Some people love being able to control how their money is managed, while others prefer to outsource that task. If you are considering setting up an SMSF, it may be worth seeking advice from a qualified financial planner. They can help to talk through the options, including your suitability, and can break down the potential costs and benefits in more detail. https://www.chelseawealth.com.au/retirement-planning daily 0.75 2026-02-24 https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/461e2426-dfac-42c2-9cab-5ec82993b04b/Chelsea+Wealth-01.jpg Retirement Planning - When to start retirement planning. Generally speaking, earlier is better when it comes to retirement planning. There are many different components that contribute to how much people have to live on after they stop working, including their assortment of investments, spending patterns and how they plan. Therefore, getting the balance right often takes a bit of thought and preparation. Speaking to a qualified financial adviser can help to make the planning stage a lot easier. If you think you may benefit from personalised financial advice, speak to one of our representatives today. https://www.chelseawealth.com.au/investments daily 0.75 2024-02-16 https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/68543017-974d-45f5-9d83-2a2f63ed2b26/Chelseawealth+V2-16.jpg Investments - Starting to invest: What to think about For people beginning their investment journey or moving into a different type of investment, there are a few things to consider: Planning and research – When it comes to investments, it’s always important to do your homework. What that entails will depend on the type of asset. For example, if someone is purchasing a home, they may do research on the market conditions, the suburb’s sale history and the home’s structural features and potential defects. This information may help them to make an informed decision. However, they would also probably think about how the home purchase fits with their goals. It may be an entry point to the market or it may be the home they plan to live in forever, which could contribute to their decision about how much to pay for it. https://www.chelseawealth.com.au/estate-planning daily 0.75 2024-02-16 https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/24ba4441-546b-4a54-9c6a-4a1ceb4b7990/Chelseawealth+V2-13.jpg Estate Planning - Where financial planners and lawyers come in. While coming up with a Will may sound fairly simple, establishing with a plan for how you’d like your money and assets distributed isn’t always straightforward. There are a number of tax and legal considerations that often need to be considered. A qualified financial planner can talk to you about different arrangements and structures for your assets and how it may fit into your broader financial roadmap. However, a solicitor or estate planning lawyer is needed for the execution of your instructions. For example, a solicitor or estate planning lawyer will ensure your Will is legally binding and includes directions, such as power of attorney and enduring guardianship. There are a number of legal forms that will need to be signed during this process. While estate planning is far from a joyful topic for most of us, people who have a plan in place often feel a sense of comfort knowing their final wishes will be met. https://www.chelseawealth.com.au/budgeting daily 0.75 2024-02-16 https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/a24f510f-6f39-46a6-b028-004fe71347fb/Chelsea+Wealth-18.jpg Budgeting - Why Budget? Here are some of the main advantages of budgeting: It makes planning for a big, future event easier because money can be allocated over time. A big event may include a holiday, a wedding, a home or car purchase or having a child or grandchild. It can reduce financial stress because you know where your money is going and can make choices about where to cut back or invest. It can help to keep on top of debt by reducing discretionary spending and allocating income to paying off liabilities. It can help to prepare for an unanticipated event or an emergency by finding or reallocating income to savings. It can make you feel in control of your finances and can simplify decisions, such as whether to go out to dinner or stay in and watch a movie. https://images.squarespace-cdn.com/content/v1/623a58ac1a172c37336627f0/c4249670-b44a-4149-925c-41640de46cfa/Chelsea+Wealth-01.jpg Budgeting - More complex budgeting and goal planning. The rise of DIY budgeting applications is an excellent starting point for a lot of people but many Australians have complex financial situations which require a more personalised approach. This may include people who have recently taken a redundancy, have received an inheritance, those who own multiple properties and people who have extensive financial obligations. Similarly, people who are looking to build their wealth or have limited time to budget may need some additional support. That’s where a qualified financial planner can step in. A planner can help to take a forensic look at your income from all sources, as well as your current and future expenses. They can then help you to set goals while creating a plan for you to hit your targets while maintaining the things that are important to you. Increasingly, Australians are turning to planners for this purpose. 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