Free Financial Guides to Help You Get Ahead
Looking to get your finances sorted, grow your wealth, or plan for a confident retirement? Our free downloadable guides cover everything from reducing tax and superannuation strategies to managing risk, property investing, and more. Whether you're just starting out or preparing for retirement, these resources are designed to help Australians take control of their money — without the jargon.
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Top 15 Superannuation Tax Strategies
Super isn’t just for retirement — it’s one of the most tax-effective wealth-building tools available. This guide unpacks 15 powerful strategies to help you reduce tax, boost your super, and structure your finances more effectively. From concessional contributions to spousal strategies and transition-to-retirement plans, there’s something here for everyone wanting to get more out of their super.
Download available at the bottom of this page.
10 Steps to Managing Inheritance and New Wealth
Sudden wealth — whether through inheritance or a major windfall — can be a blessing and a burden. This guide walks you through ten practical steps to manage your new financial reality wisely, covering tax, short-term strategies, investing, and avoiding common pitfalls. It’s a must-read if you’ve recently come into money and want to protect it for the long haul.
Download available at the bottom of this page.
How Many Properties Do I Need to Retire?
If your retirement plan includes building wealth through property, this guide is essential reading. It explores how to calculate the right portfolio size, different property strategies (like positive cash flow vs. negative gearing), and what kind of income you’ll really need. Whether you’re just starting out or already investing, this resource will help clarify your path to financial independence.
Download available at the bottom of this page.
7 Steps to Financial Freedom
Financial freedom isn’t about luck — it’s about strategy. This practical guide walks you through seven time-tested steps to take control of your money, eliminate debt, invest wisely, and create lasting wealth. Perfect if you're ready to start building momentum and want a clear, easy-to-follow roadmap.
Download available at the bottom of this page.
How Much Money Do I Need to Retire?
This is the big question — and the answer depends entirely on your lifestyle, assets, goals, and how long you expect your retirement to last. This guide walks through practical rules of thumb, real-world examples, and personalised budgeting strategies to help you figure out your retirement number with confidence.
Download available at the bottom of this page.
How to Find the Right Financial Planner for You
Choosing the right financial planner can be one of the most important decisions you make. This guide breaks down what a planner actually does, how to find one that suits your goals, the questions to ask, and how to avoid common pitfalls. Whether you’re just getting started or switching advisers, this is your roadmap to making a confident, informed choice.
Download available at the bottom of this page.
Top 9 Things to Know About Salary Packaging
Salary packaging can be a smart way to boost your after-tax income — but it’s not without rules and risks. This guide explains what salary packaging actually is, the benefits it can offer, and how to use it effectively. It also breaks down FBT, super contributions, novated leases, and common traps to avoid. Essential reading for professionals and high-income earners looking to optimise their pay.
Download available at the bottom of this page.
Financial Planning for Women
Women face unique financial challenges — from pay gaps to career breaks and longer life expectancy. This guide walks through practical steps to take control of your money, plan for the unexpected, and build a secure future.
Download it below to get started.
Top 12 Mistakes to Avoid When Setting Up an SMSF
Self-Managed Super Funds (SMSFs) offer flexibility and control — but they’re not for everyone. This guide walks through 12 of the most common mistakes people make when setting up an SMSF, from not understanding costs and paperwork to choosing the wrong investment strategy. A must-read if you’re considering managing your own super and want to get it right from the start.
Download available at the bottom of this page.
10 Points to Consider When Selling Your Business
Selling your business is one of the biggest financial decisions you’ll ever make — and getting it right means more than just naming your price. This guide outlines the 10 key factors that can impact your sale, including timing, staff, capital gains tax, and how to protect your interests through the process.
Download available at the bottom of this page.
7 Insights to Avoid a Ruined Retirement
Retirement isn’t just about hitting a number—it’s about protecting your lifestyle for the decades that follow. This guide explores the seven biggest risks pre-retirees face, from market volatility to inflation, and offers practical ideas to help you prepare.
Download available at the bottom of this page.
Top 11 Family Trust Mistakes Not to Make
Family trusts can be a powerful tool for building wealth and protecting assets — but only when set up and managed correctly. This guide highlights 11 common mistakes people make when using trusts, from ignoring expiry dates and overlooking land tax to mismanaging distributions. If you're thinking about using a trust or already have one in place, this is essential reading.
Download available at the bottom of this page.
13 Strategies to Reduce Capital Gains Tax for Property Investors
No one likes paying more tax than they need to — especially when selling an investment property. This guide breaks down 13 smart ways to minimise CGT legally, from timing the sale to using your super or leveraging main residence exemptions. Whether you’re planning a sale soon or just thinking ahead, these strategies can save you serious money.
Download available at the bottom of this page.
10 Things to Consider Before Buying an Investment Property
Property can be a powerful wealth-building tool — but only when done right. This guide lays out the 10 most important things to think about before buying, from location and timing to infrastructure, yield, and advice. It’s a must-read for anyone wanting to invest smarter and avoid costly mistakes.
Download available at the bottom of this page.
The Ultimate Guide to Mortgage Reduction
Your mortgage is likely the biggest financial commitment of your life — so why not pay it off faster? This guide unpacks proven strategies to slash years off your loan term, save thousands in interest, and build better money habits. Whether you’re just starting out or already deep into home ownership, it’s full of practical tips, refinancing options, and structure ideas to help you take control and reduce debt for good.
Download available at the bottom of this page.
13 Decision-Making Mistakes That Investors Make
Successful investing isn’t just about what you do — it’s also about what you avoid. This guide outlines the most common psychological traps investors fall into, from overconfidence and procrastination to emotional decisions and herd mentality. Learn what to look out for, and how to build a more thoughtful, resilient investment approach.
Download available at the bottom of this page.
Top 18 Pros and Cons of Testamentary Trusts
Thinking about how your wealth will be handled after you’re gone? This guide explores the major advantages and disadvantages of testamentary trusts — including how they can protect assets, reduce tax, control distributions, and manage family dynamics. A valuable read if you're considering estate planning tools that go beyond a simple will.
Download available at the bottom of this page.
How to Survive the Financial Crisis
When markets fall and uncertainty rises, it's easy to panic — but this guide helps you stay calm and in control. Covering everything from managing debt, protecting your income, and rethinking investments to cutting costs and building resilience, this handbook offers practical, level-headed steps to navigate economic downturns with confidence.
Download available at the bottom of this page.
Doctors’ Guide to Financial Advice
Medical professionals face unique financial challenges — from delayed income and practice costs to long careers and limited time. This guide explores the four key life stages doctors experience and outlines practical strategies to help you make the most of your income, manage debt, build wealth, and retire on your terms.
Download available at the bottom of this page.
Financial Planning for Same-Sex Couples
Same-sex couples often face unique financial planning challenges — from legal definitions and superannuation rules to tax, aged care, and relationship protections. This guide walks through key issues and rights you should be aware of, and how to structure your finances to safeguard your future and that of your partner or family.
Download available at the bottom of this page.
Not sure where to start? Book a free 15-minute Money Clarity Call and let’s talk about which strategy might suit you best.
Each guide has been created or provided through our licensee, Synchron Advice Pty Ltd (AFSL 243313) which is part of the Wealth Today group, and made available exclusively to those who register.