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We are looking for business owners who whould like to join the Find Manningham Network Group and Community Paper.

• Accounting Services

• Acupuncture

• Architect

• Architectural Interior Design

• Attorney- Family

• Auctions- Real Estate

• Bookkeeper

• Bowen Therapy

• Builder- Commercial

• Business Coach

• Business Equipment Financing

• Business Insurance

• Cabinets

• Caterer

• Graphic Designer

• Plasterer

• Chinese Medicine

• Chiropractor

• Creative Director

• Commercial Mortgage

• Computer Repair

• Computer Web Design

• Concrete

• Copywriting/Copy Editing

• Counselor/ Psychotherapist

• Dentist

• Digital Media

• Electrical Operations

• Electrician

• Finance Bookeeper

• Financial Planner

• Fitness Trainer

• Flooring

• Pilates

• Garage Doors

• General Insurance

• Health & Wellness Coach

• Homeopathy

• Lactation Consultant

• Lawn Care

• Lawyer

• Life Coach

• Loans

• Marketing

• Massage Therapist

• Meditation/Yoga

CLUB SPONSORS

• Mortgage Broker

• Naturopathic Medicine

• Nutrition

• Osteopathy

• Painter

• Personal Trainer

• Photographer

• Plumber

• Podiatrist

• Printer

• Project Management

• Psychologist

• Real Estate Rentals

• Real Estate Sales

• Reiki

• Residential Cleaning

• Residential Mortgage

• Security

• Signs

• Solar

• Solicitor

• Travel Agent

• Website Developer

• Wedding Planner

COLUMNIST CONTRIBUTORS

About the Find Manningham

By Warren Strybosch

The Find Manningham is a community paper that aims to support all things Manningham. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-andcoming events in the Find Manningham for Free.

We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month.

We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 warren@findnetwork.com.au

PUBLISHER: Issuu Pty Ltd

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area.

To help support the paper, we invite local business owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you.

Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

The

and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate.

We value your support,

The Find Manningham Team.

anningham

POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134

ADVERTISING AND ACCOUNTS: editor@findmanningham.com.au

GENERAL ENQUIRIES: 1300 88 38 30

EMAIL SUPPORT: support@manningham.com.au

WEBSITE: www.findmanningham.com.au

OUR NEWSPAPER

The Find Manningham was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with a core focus of helping other Not-ForProfits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Manningham has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS MANNINGHAM

The City of Manningham is a local government area in Victoria, Australia in the north-eastern suburbs of Melbourne. Manningham had a population of approximately 125,508 as at the 2018 Report which includes 27,500 business and close to 45,355 households. The Doncaster and Templestowe Council administered the area until December 15, 1994.

ACKNOWLEDGEMENT

The Find Manningham acknowledge the Traditional Owners of the lands where Manningham now stands, the Wurundjeri people of the Kulin nation, and pays respect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.

DISCLAIMER

Readers are advised that the Find Manningham accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

“I Will Never Forget You”: Celebrating World Day for Grandparents and the Elderly

By Joe Lam

Grandparents and older people are the storytellers, mentors, and guardians of memory in our communities. They remind us of where we’ve come from and help guide us toward where we’re going. On 26 July 2026, Victoria will join the world in celebrating the World Day for Grandparents and the Elderly, a day dedicated to honouring their wisdom and ensuring they are never forgotten.

It’s Origins and Why It Matters Today

The World Day for Grandparents and the Elderly was proclaimed in 2021 by Pope Francis in Rome, inspired by the isolation that elders faced during the pandemic. This year’s theme, “I will never forget you” (Isaiah 49:15), offers comfort and reminds families to treasure older loved ones. The day encourages us to pause—grandparents sharing traditions, elders mentoring, families reconnecting—and calls communities to support healthy ageing. Across Victoria, celebrations include storytelling circles, concerts, teas, art workshops, and recognition events in Geelong and Maroondah, fostering intergenerational connection.

Local Places to Celebrate

Families can spend meaningful time together at:

• Geelong Botanic Gardens

• Eastern Beach Reserve

• National Wool Museum, Geelong

• Maroondah Federation Estate

• Ringwood Lake Park

• Maroondah Library

• Barwon Heads Bluff Lookout

• Café Biscotti, Ringwood

Gifts Beyond Material Things

The most treasured gifts are often intangible: a handwritten letter, a shared meal, an afternoon of storytelling, or simply listening. Acts of service—helping with gardening, cooking, or errands— show care. Organising a family gathering or recording oral histories can create lasting legacies.

Local Elders Making a Difference

Geelong and Maroondah are home to inspiring senior leaders:

• Margaret O’Donnell (Geelong) – mentor for young writers. Tom Richards (Geelong) – junior footy coach.

• Aunty Joan Clarke (Geelong) – Indigenous elder and cultural educator.

• Jeannette Hanley-Heath (Geelong) – established a nationwide registry supporting Kinship Carers and Grandparent Groups

• Helen Fraser (Maroondah) – advocate for seniors’ health.

• George Lim (Maroondah) – retired teacher leading history talks.

• Patricia Nguyen (Maroondah) – arts volunteer fostering creativity.

Indigenous Elderly Leaders

Equally vital are the voices of First Nations Elders, who carry cultural knowledge and strengthen community identity:

• Geelong: Aunty Mary Shuttleworth (Wadawurrung Elder, language advocate), Corrina Eccles (Wadawurrung cultural educator), Jasmine Skye-Marinos (First Nations women’s advocate).

• Maroondah: Aunty Daphne Milward (Yorta Yorta Elder, Aboriginal Advancement League co-founder), Aunty Irene Norman (Wailwan Elder, artist and poet), Uncle Bill Nicholson (Wurundjeri Elder, reconciliation leader).

A Heartfelt Conclusion

As we mark World Day for Grandparents and the Elderly, let us celebrate not only their years but their enduring spirit. Their wisdom guides us, their resilience inspires us, and their love binds us together. On 26 July, may we pause to honour them—not just with words, but with presence, gratitude, and joy. Truly, we will never forget you.

ATO Interest Rates Increase Again: What Business Owners Need to Know

ACCOUNTANT

Warren Strybosch

The Australian Taxation Office (ATO) has confirmed an increase in its interest rates for the September 2026 quarter, adding further pressure on businesses and individuals carrying tax debts.

Effective from 1 July 2026 to 30 September 2026, the General Interest Charge (GIC) will increase to 11.43% per annum, up from 10.96% in the previous quarter. This equates to a daily compounding rate of 0.03131507%.

The Shortfall Interest Charge (SIC), which applies where taxpayers have underpaid tax due to amended assessments, will rise to 7.43% per annum, with a daily compounding rate of 0.02035616%.

Interest payable by the ATO on overpayments, early payments and delayed refunds will increase to 4.43% per annum.

Why This Matters

The GIC is one of the highest interest rates many businesses will encounter. Unlike a standard loan, the charge compounds daily, meaning tax debts can grow rapidly if left unpaid.

For example, a business with an outstanding ATO debt of $100,000 could incur more than $11,000 in interest annually if the debt remains unpaid. As interest compounds daily, the actual cost can be even higher over time.

With the ATO continuing to take a firmer approach to debt collection, many business owners are finding that tax liabilities accumulated during challenging trading periods are becoming increasingly expensive to carry.

The Cost of Delaying Action

Many business owners view an ATO debt as a flexible source of funding because payment arrangements can often be negotiated. However, with GIC now exceeding 11%, the true cost of carrying that debt may be significantly higher than many traditional finance options.

In addition, recent changes have reduced the tax deductibility of certain ATO interest charges, making the effective cost even greater for some businesses.

The longer a tax debt remains outstanding, the more difficult it can become to eliminate as interest continues to accrue and cash flow pressures compound.

Consider Reviewing Your Finance Options

Businesses with significant ATO debts may wish to review whether alternative funding arrangements could reduce their overall costs.

Depending on individual circumstances, some business owners may be able to refinance tax debts through commercial lending facilities, business loans, or property-backed finance. In many cases, the interest rates available through traditional lenders may be considerably lower than the current GIC rate.

Business owners who own residential or commercial property may also wish to speak with a mortgage broker about whether an investment loan, equity release strategy, or other lending solution could be appropriate. While borrowing to pay tax debt is not suitable for everyone, replacing an 11.43% compounding ATO debt with a lowercost funding arrangement may improve cash flow and reduce overall interest costs.

Importantly, any financing decision should be considered alongside

taxation, accounting and financial advice to ensure it aligns with the business owner's broader objectives and circumstances.

Seek Professional Advice Early

If your business has an existing ATO debt, now may be an appropriate time to review your position before interest costs increase further.

A discussion with your accountant can help you understand the full impact of the new rates, assess available payment arrangements, and identify strategies to manage outstanding obligations. Where appropriate, your accountant may also work alongside a mortgage broker or commercial finance specialist to explore funding options that could reduce the cost of carrying tax debt.

The Bottom Line

The increase in ATO interest rates serves as another reminder that tax debts should not be ignored. With the General Interest Charge now sitting at 11.43% per annum and compounding daily, the cost of inaction can be substantial.

For business owners carrying significant tax liabilities, reviewing finance options and seeking professional advice sooner rather than later could potentially save thousands of dollars in interest and help restore greater control over business cash flow.

I remember a time in my life where, from the outside, everything looked connected.

There were people around me. Conversations happening. Messages coming through. Days filled with interactions.

And yet, underneath it all, there was this quiet feeling — like I didn’t quite belong anywhere.

It wasn’t loud. It wasn’t dramatic. It was just… there.

A sense that I was moving through spaces rather than being part of them. And I know I’m not alone in that.

Because one of the things I’ve come to understand both personally and through the work I do is that being around people is not the same as feeling connected.

Where Belonging First Begins

For many of us, our first experience of belonging comes from family.

Family shapes how we see ourselves. It teaches us what connection looks like. It influences how safe we feel to speak, to be seen, and to be known.

When those connections are strong, they can become the foundation we build our lives on, a place we return to, no matter what.

But the reality is, for many people, that sense of belonging within family isn’t always there in the way we need it.

Sometimes it’s inconsistent. Sometimes it’s complicated. And sometimes, despite being surrounded by family, we still feel alone.

And that can leave a quiet question sitting underneath everything:

Where do I fit?

We’re Wired for Connection

As humans, we are deeply wired to belong. Not in a surface-level way, but in a way that sits at the core of who we are. The need to feel connected, understood, and accepted has always been essential to our survival, and it still is today.

Research consistently shows that strong social connections are one of the most powerful drivers of our wellbeing. Feeling connected reduces stress, improves mental health, and even supports physical health.

And when that connection is missing, we feel it. Not just emotionally, but physically and psychologically as well.

Creating the Family We Need

One of the most important things I’ve learned is this:

If we don’t experience belonging in the family we come from, we can still create the sense of belonging we need.

We can build our own “family”.

Not necessarily in the traditional sense — but through connection, shared experience, and genuine care.

Our tribe might not share our blood, but they share something just as important:

They see us. They accept us. They hold space for who we are, not who we think we need to be.

And sometimes, that kind of connection can be even more powerful.

The Difference Between Being There and Belonging

Over time, I’ve realised something important:

Belonging isn’t about how many people are in your life. It’s about how many people truly know you.

It’s the difference between:

• Being seen… and being understood

• Being included… and being accepted

• Being present… and feeling like you matter

Because holding back parts of yourself just to fit in is exhausting.

And true belonging doesn’t ask you to shrink.

Finding Your Tribe

Finding your tribe doesn’t happen overnight. For me, it happened in small moments.

A conversation where I didn’t need to explain myself. Someone sitting with me in something difficult without trying to fix it. A space where I didn’t feel like I had to perform.

Belonging Is Something We Build

Belonging isn’t something we wait for. It’s something we create.

In the way we show up for others. In the way we allow ourselves to be seen. In the spaces we help shape.

Sometimes it starts with something small:

• Asking someone how they really are

• Being honest about how you're feeling

• Letting someone in, just a little more than feels comfortable

These are the moments where belonging begins.

A Final Reflection

If belonging didn’t come easily to you early in life, that doesn’t mean it’s not possible.

It just means you may need to create it differently.

And that’s okay.

Because finding your tribe isn’t about waiting for the right people to find you, it’s about allowing yourself to step into spaces where you can be seen and choosing to stay when connection begins to grow.

The Better Health Victoria guide on strong relationships highlights that meaningful connection often grows from shared experiences, consistency, and simply giving yourself permission to show up.

You don’t need to get it perfect. You just need to begin.

MAREE SMITH

By Erryn Langley

As the calendar flips to July, a new financial year begins — and with it, a fresh opportunity to take stock, realign your goals, and build strong financial habits for the year ahead. Whether you're planning for retirement, growing your wealth, or simply trying to get better control of your cash flow, July is the ideal time to get organised.

Here are seven smart steps to set yourself up for a financially successful 2026–27.

1. Review the Year That Was

• Assess income, expenses, savings

• Did you meet your financial goals? What surprised you?

2. Reassess Your Financial Goals

• Update your short- and long-term goals

• Consider life changes (job, family, health, retirement plans)

3. Rebalance Your Portfolio

• Consider your preferred risk profile, do you need to rebalance your investments so that they are in line with your preferred asset allocation?

4. Plan Your Super Contributions Early

• Do you wish to set up monthly contributions (such as a salary sacrifice) to spread out cash flow?

• Consider carry-forward and bring-forward rules – if you are not sure what these are, do you need to seek professional financial advice?

5. Budget Refresh and Spending Audit

• Review your monthly cash flow

• Identify your planned budget, do you need to review your spending in any areas?

• Consider reviewing providers for things like car insurance, home insurance and health insurance. Could you save money by taking time to go through this process?

6. Documentation

• Would it help you to start the year off by keeping better records this year?

• Ensure you're keeping accurate records from the beginning of the financial year. Digital tools or apps can make this easy and efficient.

7. Estate Planning and Insurance Check

• Do you need to review beneficiaries, wills, powers of attorney?

• Check personal insurance cover (which may include Total and Permanent Disablement, Life cover, income protection and trauma cover), are these still appropriate for your circumstances?

The start of a new financial year is more than a date on the calendar — it’s an opportunity to take control of your finances and build momentum toward achieving goals.

Erryn Langley

Director and Financial Adviser - GradDipFinPlan

Authorised Representative No 1269525

T:1300 557 144 Email: erryn@cherrywealth.com.au

Website: www.cherrywealth.com.au

Office Address: Suite 4 / 4 - 6 Croydon Road, Croydon 3136

Postal Address: PO Box 657, Croydon VIC 3136

Financial Planning is offered via Cherry Wealth Pty Ltd ABN 14 653 375 458

Cherry Wealth is a Corporate Authorised Representative (No. 1314769) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the Centrepoint Alliance group https://www.centrepointalliance. com.au/

Erryn Langley is Authorised representative (No. 1269525) of Alliance Wealth Pty Ltd.

This information has been provided as general advice.We may not have considered your financial circumstances, need or objectives. You should consider the appropriateness of the advice.You should obtain and consider the Product Disclosure Statement (PDS) and seek assistance from an authorised financial adviser before making any decisions regarding any products or strategies mentioned in this communication.

Whilst all care has been taken in the preparation of this material. It is based on our understanding of current regulatory requirements and laws as at the publication dates. As these laws are subject to change you should talk to an authorised adviser for the most up to date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

Financial Planner

Working Together for Wildlife Along Dandenong Creek

What does it take to improve habitat for native wildlife in one of Melbourne's busiest urban corridors?

First Friends of Dandenong Creek (FFDC) believes the answer is simple: partnership.

For more than 25 years, FFDC has worked alongside volunteers, community groups, businesses, councils and government agencies to restore and protect the Dandenong Creek corridor. While much has changed since the group was established in 1999, one thing has remained constant – meaningful environmental outcomes are achieved when people work together.

Each year, FFDC volunteers help establish more than 10,000 indigenous plants throughout the corridor, improving habitat connectivity and creating healthier ecosystems for native wildlife. These activities are supported by a broad network of partners, including local councils, Melbourne Water, Parks Victoria, EastLink and many others, all working towards the shared goal of a healthier and more resilient landscape.

One of the group's most successful initiatives has been its sugar glider conservation program. Working with volunteers and partner organisations, more than 100 nest boxes have been installed throughout the corridor to provide additional habitat for these remarkable native mammals.

The nest boxes were built by the talented volunteers of the Ringwood Men's Shed, whose contribution has helped create safe nesting sites for sugar gliders across the catchment. Monitoring indicates that sugar glider numbers are increasing in areas where habitat improvements and nest boxes have been established, demonstrating the value of long-term community-led conservation.

Community involvement comes from many different directions. Local residents regularly volunteer alongside environmental groups, schools and organisations such as the Bliss and Wisdom community, whose members have enthusiastically supported planting and habitat restoration activities.

Businesses are also playing an increasingly important role. Through partnerships supported by Landcare Australia, corporate volunteer teams have contributed thousands of hours to environmental projects along the creek. These events not only deliver practical conservation outcomes but also help people connect with the natural environment and understand the importance of protecting local biodiversity.

Recent planting events have highlighted the strength of this collective effort. More than 70 community members attended FFDC's World Environment Day planting event, establishing over 3,000 indigenous

plants in less than two hours. It was a powerful reminder of what can be achieved when a community comes together with a shared purpose.

While many of the improvements along the creek are immediately visible, much of FFDC's work is focused on long-term outcomes. Habitat restoration can take years, and sometimes decades, before the full benefits are realised. The trees planted today will provide future hollows, shade and food sources for wildlife, while stronger habitat connections help species move safely through the landscape.

For FFDC, conservation is about more than planting trees or installing nest boxes. It is about building a network of people who care about the future of their local environment and are prepared to contribute towards it.

Every volunteer, every partner organisation and every project plays a role in creating a healthier Dandenong Creek. Together, they are helping native wildlife thrive while leaving a lasting legacy for future generations.

Whether you're interested in volunteering, learning more about local wildlife, or simply following the progress being made along the creek, there are many ways to get involved. Visit www.ffdc. org.au to learn more, sign up for our newsletter, or connect with First Friends of Dandenong Creek on Facebook.

Anthony Bigelow

Setting Up Payroll in Xero: Get It Right From Day One

By Jodie Moore

Setting up payroll is one of those jobs that’s easy to overlook—until payday arrives. The good news is that spending a little extra time getting everything set up correctly from the start will save you hours of headaches later.

Not only does a well-configured payroll system ensure your employees are paid accurately and on time, but it also helps you stay compliant with ATO requirements. With the introduction of Payday Super, it’s now more important than ever to have your payroll and superannuation processes working together seamlessly.

Here’s a simple guide to setting up payroll in Xero the right way.

Step 1: Gather Everything You Need

Before you jump into Xero, collect all the information you’ll need for each employee, including:

• Personal and contact details

• Employment status

• Tax File Number (TFN)

• Superannuation details

• Bank account information

• Tax declaration information

Having this information ready before you begin makes the setup process much smoother.

You’ll also need to make sure you’re on a Xero plan that includes payroll features suitable for your business.

Step 2: Set Up Your Payroll Accounts

The next step is connecting payroll to your accounting records.

Within the Payroll Overview,

you’ll:

• Add the bank account wages will be paid from.

• Select your payroll expense accounts.

• Select your payroll liability accounts.

If your business bank account already exists in Xero, simply select it. Otherwise, add it before continuing.

This ensures every pay run is recorded correctly in your accounts from the very beginning.

Step 3: Create Your Pay Schedule

Next, tell Xero how often you’ll pay your employees.

Whether you pay weekly, fortnightly or monthly, you’ll need to:

Choose the pay frequency.

• Give it a name.

• Set the start date.

• Enter the first payment date.

Once saved, Xero will use this schedule to create your future pay runs.

Step 4: Customise Your Payslips

A few small settings can make your payslips look much more professional.

You can choose whether to display:

• Annual salary

• Employment basis

• Your company logo

These settings only take a few minutes and give employees clear, consistent payslips.

Step 5: Add Your Employees

Now it’s time to add your team. For each employee, enter:

• Basic details

• Contact information

• Employment details

• Tax information

• Superannuation details

• Bank account information

It’s also worth inviting employees to Xero Me, where they can securely access payslips, submit leave requests and complete timesheets. This reduces paperwork and gives employees easy access to their payroll information.

Don’t Forget Superannuation

Super isn’t something you want to leave until later. In fact, with Payroll Super now in place, you simply can’t leave it.

Before you process your first pay run, make sure every employee has the correct super fund assigned.

You can add:

• Regulated super funds

• Self-managed super funds (SMSFs)

If an employee doesn’t provide their Superannuation Standard Choice Form, you’re required to search for their stapled super fund through the ATO before paying them into a default fund. Keep in mind that you must lodge the employee’s TFN declaration before you can perform this search.

Once your super funds have been added into Xero, assign the correct fund to each employee so contributions are allocated correctly during every pay run.

Why Automatic Super Is Now Essential

With the rollout of Payday Super, employers are expected to process super contributions much closer to the time employees are paid.

That means manual super processing every few months simply won’t be practical anymore.

Setting up Automatic Super in Xero from the beginning can save significant time, reduce the risk of missing payment deadlines and help keep your business compliant.

To register for Automatic Super you’ll need:

• Payroll administrator access.

• An Australian bank account connected to Xero.

• An active bank feed (this can take several business days to activate).

• A nominated payroll authoriser with an Australian mobile number for SMS approvals.

Once registered, Xero can automatically process super contributions as part of your regular payroll workflow.

This means wages and super can be processed together, making Payday Super compliance much easier and reducing the chance of forgotten or late super payments.

Check Your Employee Information

Before running your first payroll, doublecheck that each employee has:

• TFN recorded

• Mobile number

• Email address

• Gender

• Correct super fund

• Correct bank account

• Tax settings completed

A few minutes spent checking these details now can prevent rejected payments and unnecessary corrections later.

Ready for Your First Pay Run

Once your payroll accounts, employees, pay schedules and Automatic Super are all set up, you’re ready to process your first pay run with confidence.

Getting payroll right from day one means:

• Employees are paid correctly and on time.

• Super contributions are processed correctly.

• Your payroll records stay accurate.

• You remain compliant with ATO requirements.

• You spend less time fixing payroll mistakes later.

Payroll doesn’t have to be complicated. A thorough setup at the beginning— especially with Automatic Super enabled—creates a smooth, reliable payroll process that grows with your business and keeps you prepared for the new Payday Super requirements.

Help the local community know you exist and what sets you apart compared to other aged care facilities, Financial Planners and other providers in the local area.

We have developed Find Aged Care Services (www.findagedcare.services) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities.

ASIC Warns Australians to Think Carefully Before Switching Super Funds

RETIREMENT

By Warren Strybosch

Switching superannuation funds can sometimes be the right decision. A better investment menu, lower fees, improved insurance, access to specialist investment options or retirement income features may all justify making a change.

However, changing superannuation should never be based on fees alone. Every person’s financial circumstances are different, and what may be appropriate for one individual may not be suitable for another.

At Find Retirement, we believe every recommendation to switch superannuation should be based on whether it improves a client’s overall retirement outcome. While fees are an important consideration, they form only one part of a much broader assessment that includes insurance, investment options, taxation, retirement objectives, estate planning, service levels and the client’s individual circumstances.

This approach is consistent with the Australian Securities and Investments Commission’s (ASIC) recently released Report 833 (REP 833), which highlights concerns about inappropriate superannuation switching and reinforces that any recommendation to change funds should be made solely in the member’s best interests.

When Switching Makes Sense

ASIC has been clear that it supports members switching to another superannuation fund where doing so genuinely improves their retirement outcomes.

The regulator has long encouraged trustees and financial advisers to help members become more informed and confident in choosing the superannuation fund that best suits their needs.

A recommendation to switch may be appropriate where it provides an overall benefit after considering factors such as:

• Ongoing administration and investment costs.

• Advice fees and how they are charged.

• Insurance benefits and premiums.

• Investment choice and flexibility.

• Historical investment performance.

• Retirement income features.

• Tax implications.

• Estate planning considerations.

• The level of advice and ongoing service provided.

• The client’s personal objectives, financial situation and needs.

Importantly, no single factor should determine whether a person changes super funds. A lower-cost product is not necessarily a better product if valuable benefits or features are lost in the process.

ASIC’s Concern: Switching for the Wrong Reasons

While ASIC supports appropriate switching, it has expressed significant concern about what it describes as “inappropriate superannuation switching.”

According to REP 833, this occurs where consumers are encouraged or pressured to move their retirement savings into another super fund, a platform product or a self-managed superannuation fund (SMSF) despite receiving little or no benefit themselves.

ASIC is particularly concerned about business models where:

• advisers recommend unnecessary superannuation switches;

• clients receive generic or “cookie-cutter” advice that does not adequately consider their personal circumstances;

• excessive advice fees erode retirement savings;

• lead generation businesses refer large numbers of clients to advisers without providing appropriately licensed advice; or

• clients are recommended unnecessarily complex, illiquid or high-risk investments.

ASIC noted that these practices can significantly reduce retirement savings and referred to enforcement action involving the First Guardian Master Fund as an example of the potential consumer harm that can arise where inappropriate advice is provided.

Recent legislative changes may also reduce one historical reason for recommending SMSFs. Following amendments to the law, from 10 August 2026, SMSFs are prohibited from entering into new limited recourse borrowing arrangements (LRBAs) to acquire residential property, although existing arrangements are generally grandfathered. This change was introduced through the Treasury Laws Amendment (Improving Australia’s Financial Markets) Act 2026

What ASIC Found

As part of REP 833, ASIC reviewed:

• Six superannuation trustees;

• $2.56 billion in advice fees; and

• 720,000 advised members

The regulator identified several areas requiring improvement.

Advice Fee Controls

ASIC found that many trustees had inadequate controls around advice fee deductions.

Some of the findings included:

• Percentage-based advice fee caps ranging from 1.66% to 10%;

• A maximum dollar-based advice fee cap of $25,000;

• One trustee proposing to increase its cap to $30,000; and

• Three trustees having no upper dollar limit on advice fees.

ASIC expressed concern that these arrangements could permit excessive deductions from members’ accounts, particularly where balances are larger.

Protecting Low-Balance Members

The report also found that protections for members with smaller balances were often insufficient.

Only one trustee required a minimum account balance before advice fees could be deducted, while another had additional protections for balances below $100,000.

ASIC indicated that stronger safeguards are needed to reduce the risk of balance erosion for members with lower superannuation balances.

Monitoring Financial Advice

ASIC also identified shortcomings in how trustees monitored financial advice.

Among the findings were:

• More than 2,580 advice reviews identified almost 250 adverse findings.

• One trustee completed only 21 advice reviews, with 75% containing adverse findings.

• Three trustees failed to conduct any advice reviews for at least one month during the review period.

• Monitoring of adviser activity, advice fees and investment flows often relied heavily on manual processes, increasing the potential for human error.

The regulator also found trustees were not always adequately monitoring indicators such as member churn, unusual investment flows or excessive advice fees.

What Should Consumers Consider Before Switching?

ASIC’s report should not discourage Australians from changing superannuation funds where doing so is genuinely in their best interests.

Rather, it reinforces the importance of ensuring any recommendation is based on a thorough assessment of the client’s circumstances rather than sales targets, referral arrangements or remuneration.

Before making a decision, consumers should ask questions such as:

• Why is this recommendation suitable for my circumstances?

• What benefits will I gain by switching?

• What benefits, insurance or features might I lose?

• What are the total costs, including administration fees, investment fees, adviser fees and transaction costs?

• Are there any tax consequences?

• How do the investment options compare?

• Will the expected long-term benefits outweigh the costs and risks of changing funds?

A quality financial adviser should be able to explain both the advantages and disadvantages of any recommendation and demonstrate why the proposed strategy is expected to improve the client’s overall retirement position.

Every Client’s Circumstances Are Different

While fees often receive the most attention, they represent only one component of an appropriate superannuation strategy.

In some cases, changing superannuation arrangements may reduce overall costs. In others, remaining in an fund may be the more appropriate outcome once insurance benefits, investment features, retirement income taxation and other factors are taken into account.

No recommendation should be based solely on investment performance in isolation.

At Find Retirement, our philosophy is that every recommendation should be supported by a comprehensive comparison the available options, with any proposed switch demonstrating how it aligns with the client’s objectives best interests.

The Bottom Line

Superannuation is one of the largest assets most Australians accumulate during their lifetime. Decisions about changing superannuation funds should never be rushed or based on marketing material, cold calls or generic advice.

ASIC’s REP 833 serves as an important reminder that switching super funds can deliver better outcomes appropriate circumstances, every recommendation be carefully considered, appropriately documented focused on the member’s long-term interests.

If you are considering changing your superannuation arrangements, seek professional advice that evaluates both the advantages and disadvantages existing fund and any proposed alternative before making decision.

If you are about to retire,consider making an appointment Find Retirement. The first meeting is free. Warren Strybosch, an award-winning financial planner and an accountant, review your current super and go through the benefits Retirementlookingafteryouandyourinvestmentsinretirement.

Warren Strybosch Award Winning Financial Adviser

of the Find Group of Companies

Financial Planning, SMSF, Super, Insurance, Pre-Retirement & Retirement Planning (Financial Planning) are offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth, Find Insurance and Find Retirement. Find Wealth Pty Ltd is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the

Centrepoint Alliance group (www.centrepointalliance.com.au/fsg/aw).

Warren Strybosch

Authorised Representative (No. 468091) of Alliance Wealth Pty Ltd.

This information has been provided as general advice.We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

Part

arrangements an existing insurance options, on fees or recommendation comparison of switch clearly objectives and Australians will changing based solely that while outcomes in recommendation should documented and superannuation carefully disadvantages of your making a appointment with Strybosch, accountant, will benefits of Find retirement.

The

Please

Beyond the Aged Care Strategy: How Professional Investment Management Can Help Families Through One of Life’s Most Difficult Transitions

AGED CARE

By Warren Strybosch

Planning for aged care is often viewed as a numbers exercise. Can Mum or Dad afford residential aged care?

Should they pay a Refundable Accommodation Deposit (RAD) or Daily Accommodation Payment (DAP)?

Should the family home be retained or sold?

How will the estate be affected?

While these are all critical questions, they are often only the beginning of a much longer journey.

Once an older Australian enters residential aged care or begins receiving significant care at home, responsibility frequently shifts to an Enduring Power of Attorney (ePOA). This trusted individual—often an adult child—is suddenly responsible for managing hundreds of thousands, and sometimes millions, of dollars on behalf of their parent.

For many families, this can become one of the most stressful aspects of the aged care journey.

The Hidden Responsibility of an Enduring Power of Attorney

Acting as an Enduring Power of Attorney is a position of significant responsibility.

The appointed attorney is expected to act in the best interests of the person they represent, manage their finances prudently, maintain appropriate records and ensure sufficient funds are available to meet ongoing care costs.

As Australia’s aged care system becomes increasingly complex under the Aged Care Act 2024, this responsibility has grown considerably.

Parents are now more likely to spend years receiving homebased care before entering residential aged care. They may face ongoing co-contributions, accommodation costs, health expenses and changing cash flow requirements.

Managing investments is no longer simply about generating returns. It is about ensuring the right amount of income is available at the right time while preserving capital where appropriate and maintaining sufficient liquidity to meet future care needs.

The Family Dynamics

One of the greatest challenges faced by many Enduring Powers of Attorney has nothing to do with investments.

It is family.

It is common for one child to be appointed as attorney while several siblings remain beneficiaries of the estate.

Even where everyone has the best intentions, disagreements can arise.

Questions often include:

• Why was the home sold?

• Why wasn’t it sold sooner?

• Why were certain investments purchased?

• Why is so much cash sitting in the bank?

• Why did the portfolio lose value?

• Could Mum or Dad have earned a better return?

• Were investment decisions made in their best interests?

These questions often arise years after the decisions were made, when emotions are heightened following the death of a parent.

While no adviser can prevent family disagreements, having independent professionals involved in financial decisionmaking can provide an additional layer of transparency and accountability.

Going Beyond Advice

Many advisers provide an aged care strategy.

They prepare projections, explain accommodation options, estimate future care costs and recommend an appropriate funding approach.

At Find Retirement, we provide retirement and aged care advice, and we believe our role does not end once the strategy has been implemented.

We continue working with families by professionally managing the parent’s investments throughout their retirement and aged care journey.

This means the investment portfolio is continually monitored and adjusted as circumstances change.

As care costs increase, additional cash flow can be generated.

As legislation changes, strategies can be reviewed.

As markets fluctuate, investment decisions are made within an agreed investment framework rather than through emotional reactions during already stressful periods.

Supporting the Enduring Power of Attorney

Professional investment management also provides valuable support to the appointed Enduring Power of Attorney.

Rather than making every investment decision themselves, the attorney can rely on qualified investment professionals

operating within an agreed investment strategy that reflects the parent’s objectives, liquidity requirements and tolerance for risk.

This creates a documented investment process supported by professional advice, regular portfolio reviews and ongoing reporting.

For many families, this provides confidence that decisions are being made objectively and consistently, rather than relying solely on the judgement of one family member.

It can also assist the attorney in demonstrating that financial decisions were made prudently, transparently and with appropriate professional input.

A Practical Example

Consider Margaret, aged 84.

Margaret has entered residential aged care following a fall. Her financial position includes:

• Family home worth $900,000

• Investment portfolio of $550,000

• Cash of $25,000

Her daughter Sarah has been appointed as Enduring Power of Attorney.

Following the sale of Margaret’s home and payment of a Refundable Accommodation Deposit, Sarah is left managing several hundred thousand dollars to fund ongoing care fees, medical expenses and future lifestyle costs.

Sarah has two brothers who are equal beneficiaries of Margaret’s estate.

Every investment decision Sarah makes has the potential to be questioned.

Should she leave the funds in cash?

Should she invest them?

Should she take more or less risk?

Should income or capital growth be the priority?

Rather than carrying this responsibility alone, Sarah engages Find Retirement to manage Margaret’s investments.

An investment strategy is established based on Margaret’s expected care costs, liquidity requirements and estate objectives.

The investments are professionally managed, reviewed regularly and adjusted as circumstances change.

Depending on the client’s estate planning objectives, the investments can bypass the probate process and be paid directly to nominated beneficiaries, such as adult children, providing faster access to funds.

Sarah remains responsible as Enduring Power of Attorney, but she has the comfort of knowing investment decisions are supported by qualified professionals and documented through an ongoing advice process.

More Than Just Funding Aged Care

At Find Retirement, we believe successful aged care planning is about much more than calculating whether someone can afford care today.

It is about helping families manage what may be many years of changing care costs, investment decisions and family responsibilities.

Professional investment management helps ensure assets continue working to support quality care, preserve financial flexibility and align with the parent’s broader retirement and estate objectives.

Just as importantly, it provides ongoing support to the family member entrusted with managing those assets.

For many Enduring Powers of Attorney, knowing they are not making complex financial decisions alone can provide enormous peace of mind during one of life’s most challenging periods.

Because aged care isn’t simply about funding care.

It’s about protecting dignity, preserving family relationships and ensuring a lifetime of savings continues to work for the person who earned them.

Warren Strybosch Award winning Financial Adviser

Part of the Find Group of Companies

Warren Strybosch

Authorised Representative (No. 468091) of Alliance Wealth Pty Ltd. Centrepoint Alliance group (www.centrepointalliance.com.au/fsg/aw).

This information has been provided as general advice. We have not considered your financial circumstances,needs or objectives. Youshouldconsidertheappropriatenessoftheadvice.Youshould obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Whilst all care has been taken in the preparation of this material,it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

NOT-FOR-PROFIT FOR THE

KILSYTH SCOTTISH COUNTRY

– Janet Johnston What members say

about KSCD

"Scottish Country Dancing lets you catch up with the RSCDS family wherever you are in the world."

"Oh, the joy of great Scottish music, dancing and friends in the heart of marvelous Melbourne."

– Margaret Gawler

Celebrating 50 years scottish country dancing:

Our dancing group was started in 1976 by Kilsyth area. Originally, it was a children’s parents became enthusiastic, took over, Bobbie and Alan Malone moved to Bendigo to start the St. Andrew’s class in Bendigo.

We are a non-profit group, and we aim to teach those who are interested, the forming a dance. Scottish Country Dancing Scotland, and it is danced all over the World. we dance in sets of 6 or 8 dancers. There it is not something that happens overnight, laughter when we try to get it right. SCD is a great social activity. Our Group is small to see some new faces come along and

This year we are celebrating our 50th Anniversary held in the Whitehorse Club, East Burwood, all looking forward to this event as it will for this special occasion. If there is any aware of someone who danced at Kilsyth,

In 2012, a letter was asking for permission was refused. An article local Historian, Mr in touch with the Melbourne

The Secretary passed contacted him. William designed our background is the Kilsyth Tartan, which old Coat of Arms of Kilsyth, Scotland. with the Australian flag, and the centre

Why not come along and experience enjoyable, low-cost way to stay active, friendships in a welcoming community. before, you'll be warmly welcomed. discover why so many people

THE MONTH OF JULY 2026

COUNTRY DANCE GROUP INC

years of kilsyth dancing: 1976 -2026

by Bobbie Malone, who lived in the children’s class, but somehow or other, the over, and it became a class for adults. Bendigo in 1983, and Bobbie then went on Sadly, Bobbie passed away in 2012.

to connect with the community and the steps and formations that go into Dancing is the social form of dancing in World. Unlike Highland (solo dancing) There is some technique involved, and overnight, but we do have a lot of fun and SCD is good for the Mind and Body and small and friendly, and we would love and give SCD a go.

Anniversary with a Ball which is being Burwood, on the 17th October, 2026. We are will be a formal event with live music any reader of this magazine who is, or is Kilsyth, we would love to hear from them.

was sent to Kilsyth Council in Scotland permission to use their Coat of Arms, but this article was put in the local paper, a William Chalmers, read this and got Melbourne & District Branch of RSCDS. passed on his details to us, and we then logo, which we are very proud of. The which he designed, and it incorporates the Scotland. Centre top of the logo is embedded centre bottom is the Lion Rampant.

experience the fun for yourself? Scottish Country Dancing is an improve coordination and memory, and make lasting

Whether you're a complete beginner or have danced welcomed. Join us for a class or our "Let's Dance Ceilidh!" and people love Scottish Country Dancing.

Manningham Council

Building a better Manningham: Council adopts 2026-27 Budget and 10 Year Financial Plan

Council has voted to endorse the 2026-27 Budget and 10 Year Financial Plan, delivering for the community today while investing in infrastructure and planning ahead.

Manningham Mayor, Cr Jim Grivas, said that a careful balance between responsible financial management and continued investment in Manningham’s future was vital at a time of economic uncertainty.

“We know cost of living is front of mind for many households, so we’ve kept rates in line with the state government’s rate cap, frozen our waste charge, and will keep supporting those doing it tough,” Cr Grivas said.

“We’ve outlined a $164 million operating budget and a $69 million capital works program, which means we can keep investing the infrastructure our growing community needs.

“We’re planning ahead for housing and population growth, while making sure we continue to maintain the vital services, roads, facilities and open spaces our community relies on every day.

“We’ve listened to what our community told us is most important: maintaining and cleaning public spaces, investing in sporting facilities, improving our open spaces, maintaining local roads, and supporting community safety.

“This budget directs funding to places where it will make the biggest difference, while keeping costs manageable for ratepayers,” Cr Grivas said.

Strong advocacy against the mandated rollout of a costly and unnecessary glass-only bin, ahead of the state government’s July 2027 implementation deadline will also continue.

“We don’t want to see unnecessary costs passed on to households, particularly when nearly 9 in 10 (or 88% of) Manningham residents surveyed said they do not support having a fourth bin. We’ll continue to stand with our community on this issue,” Cr Grivas said.

“At the same time, we are delivering a practical and responsible budget that maintains our debt free status and helps us carefully plan for and invest in our future, so we can build a better Manningham,” Cr Grivas said.

These documents set out how we’ll deliver the priorities in our second year of our Council Plan 2025-2029, while working toward our Community Vision. We’ve allocated:

• $38.8 million for a resilient environment

• $34.8 million for a well governed and innovative Council

• $26.2 million for liveable places and spaces

• $24.4 million for a safe and healthy community

• $3.7 million for a thriving economy.

Find out more and view the documents at manningham.vic. gov.au/budget

Manningham Council

Draft Timber Reserve Master Plan open for community feedback

A new sports pavilion and upgraded soccer and cricket pitches are among key improvements being proposed in Manningham Council’s draft master plan for Timber Reserve in Doncaster.

Council is now seeking community feedback on the draft plan until Sunday 2 August 2026.

Manningham Mayor, Cr Jim Grivas, said the draft plan responds to the community priorities identified during initial consultation in 2025.

“We received more than 100 submissions and thank everyone who took the time to provide their feedback,” Cr Grivas said.

“Our community told us they wanted a reserve that is safer, easier to access and better for shared use, especially during busy times.

“We now want to know if we’ve got the master plan right and I encourage everyone who uses this popular reserve to have their say.”

Key proposals of the draft plan include:

• a new sports pavilion with gender-inclusive change rooms, an upgraded social room and kitchen, spaces for match officials, first aid and storage, improved spectator amenities and public toilets

• reconfigured soccer pitches to meet Football Victoria guidelines

• a reconstructed cricket pitch to meet Cricket Australia standards

• enhanced informal recreation and play features

• new and improved walking paths throughout the reserve

• improved car parking.

Council is also considering changes to vehicle access, with a proposal to close the Marriane Way entrance to cars.

“We received strong feedback about a fenced dog park at the reserve,” Cr Grivas said.

“While it is not included in the master plan at this stage, dog parks will be considered more broadly across Manningham as part of our new Open Space Strategy, which opens for consultation later in July at Your Say Manningham.”

Community members can provide feedback on the draft Timber Reserve Master Plan by completing a short survey at Your Say Manningham.

Council officers will be available to answer questions at 2 dropin sessions at the reserve.

• Tuesday 21 July, 6 pm to 8 pm

• Saturday 25 July, 9 am to 12 noon.

For more information, visit yoursay.manningham.vic.gov.au/ timber-reserve-masterplan

Manningham Council

Aquarena earns Platinum Pool status as outdoor redevelopment advances

Aquarena has retained its Platinum Pool status accredited by Life Saving Victoria, recognising outstanding commitment to aquatic safety, supervision and risk management.

Manningham Mayor Cr Jim Grivas said this recognition comes at an exciting time as the Aquarena Outdoor Redevelopment progresses, with facility manager Aligned Leisure implementing extensive operational changes to ensure safety and care during construction.

“As we progress with the redevelopment, this achievement reinforces that safety and excellence will continue to be top priorities in Aquarena’s future,” Cr Grivas said.

Cr Grivas added that the achievement highlights the strength of Council’s partnership with facility manager Aligned Leisure and its focus on best practice.

“The recognition of Platinum Pool status is a testament to the exceptional work of Aligned Leisure and their dedicated team at Aquarena.

“Through our strong partnership, we are delivering not only a high-quality aquatic facility, but one that meets the top industry-leading standards for our community,” he said.

The prestigious accreditation is the highest level awarded under Life Saving Victoria’s Pool Safety Assessment Program, benchmarking public pools against industry-leading standards across areas such as supervision, signage, emergency procedures and staff training.

The Aquarena Outdoor Redevelopment is expected to be completed in early 2028, weather permitting.

For more information and updates, visit Your Say Manningham.

Survey shows Victorians oppose the fourth glass-recycling bin

Nearly 25,000 Victorians have spoken, and the message is clear: they don’t want a costly fourth glass recycling bin.

That’s roughly the size of a regional town all speaking with one voice. The statewide survey, led by 35 councils, captured a strong cross-section of community views and found 83% oppose the purple-lidded, glass-only bin.

Instead, the community backs a smarter solution. 91% support expanding the Container Deposit Scheme to include glass wine and spirit bottles, improving recycling options without adding another bin.

In Manningham, the results tell the same story. More than 1,700 residents had their say, with 88% against the glass-only bin, and 91% supporting an expanded Container Deposit Scheme.

Despite this, the Victorian Government requires local councils to rollout a separate glass-only kerbside service by July 2027. Independent modelling estimates this would cost a typical council around $4 million to set up, plus $27 per household each year.

The state government has previously cited a business case to support its mandate. Councils are calling for it to be released to allow transparent comparison with independent economic modelling commissioned in 2025.

With strong community opposition and significant costs, 35 councils have joined forces, urging the state government to reconsider the July 2027 deadline.

Speaking on behalf of the councils, Councillor Jim Grivas, Mayor of Manningham, said the results reflect what councils are hearing on the ground.

“Our communities have been crystal clear - they don’t want another bin. They want a smarter solution,” said Cr Grivas.

“Expanding the Container Deposit Scheme to include wine and spirit bottles is simpler and backed by our communities,” said Cr Grivas.

Manningham Council

Finalists announced for Manningham Community Awards

Manningham Council has announced the finalists for the 2026 Manningham Community Awards, recognising individuals and organisations for their significant contributions.

Winners will be revealed at the Awards Ceremony on Thursday 13 August at the Manningham Function Centre.

Manningham Mayor, Cr Jim Grivas, congratulated the finalists. “Our award finalists represent the very best of Manningham. They are people and groups who go above and beyond every day to support others and make a lasting difference,” Cr Grivas said.

“All of our nominees have made a meaningful contribution to Manningham, making the judging process a difficult one. Thank you to everyone who helped shine a spotlight on their achievements.

“I look forward to celebrating all of our finalists and the incredible work they do at our awards ceremony in August.”

Three finalists have been selected for each of the 8 award categories. One of the award category winners will also be named Manningham Citizen of the Year.

2026 Manningham Community Award finalists:

Doreen Stoves Excellence in Volunteering: Recognising an individual who has demonstrated an ongoing commitment to volunteerism.

• Samantha Wu

• Sandrajane Vincent-Corry

• Sandi Miller

Active Community: Recognising an individual or group who has contributed to community participation in active lifestyles, sports or physical activity.

• Harry Harisiou

• Vicky Lee

• Warrandyte Mountain Bike Club

Ageing Well: Recognising an individual or group who has contributed to enhancing the lives of older residents, fostering social connection, safety or active ageing.

• Ahmed Sami

• Manningham Uniting Church and Community Centre

• Ya Chenr

Artistic Achievement: Recognising an individual or group who has contributed to Manningham’s creative community, sparking artistic, cultural or creative expression.

• Heide Museum of Modern Art

• Wendy Samantha Productions

• Zakir Fakhri

Community Excellence: Recognising a community organisation or group that has delivered outstanding programs or initiatives contributing to the wellbeing, development and cohesion of the Manningham community.

• Jackson Court Traders Association

• Lions Opportunity Shop Warrandyte

• Empower YOUth and Melly Cullingford

Community Health and Wellbeing: Recognising an individual or group who has enhanced health, wellbeing or resilience in the community, whether through advocacy, program development or direct service delivery.

• Access Health and Community

• Cuddly Bear Templestowe Early Learning Centre

• Kevin Heinze Grow

Inclusive Community: Recognising an individual or group who has actively contributed to community accessibility, inclusivity or diversity.

• Bulleen Templestowe Basketball Club

• Sarah Yeung

• Onemda Disability Services

Young Achiever: Recognising a young person aged under 25, who has made a positive impact within the Manningham community through demonstrated leadership, innovation, or commitment to helping others.

• Ben Duffy

• Kate Dickensen

• Taylor Greco

Tickets for our 2026 Manningham Community Awards ceremony on Thursday 13 August are now on sale, with subsidised pricing available for Manningham residents.

Details about the award finalists and ticket booking information are available at our website manningham.vic.gov.au/ community-awards

Manningham Council

We’re building a better Manningham

Our 2026-27 Budget and 10 Year Financial Plan have been endorsed.

With an operating budget of $164 million and a $69 million capital works program, this budget includes practical measures to support our ratepayers and community during a period of economic uncertainty.

We’re focused on delivering for our community while planning for and investing in the services and infrastructure that you value most.

Investing in infrastructure

We’re continuing to build a better Manningham with an extensive $68.7 million capital works program in 2026-27, to maintain and enhance Council’s $3.3 billion of community assets.

Highlights of our 2026-27 capital works program include: $29.5 million for recreational and community facilities

Key projects:

• $19.6 million for the redevelopment of the outdoor space at Aquarena

• $3.6 million for the Anderson Park synthetic pitch and floodlights

• $1.0 million for the Wonga Park Reserve Netball Facility redevelopment

• $0.9 million for Donvale Bowls North Field redevelopment

• $0.6 million for sporting reserves renewal program

• $0.5 million for the Manningham Templestowe Leisure Centre resurface and LED floodlight upgrade

• $0.5 million for the Warrandyte Reserve Cricket Net upgrade

• $0.4 million for the Colman Park Cricket Nets rood and floodlighting project

• $0.3 for converting sports field floodlights to LED at Doncaster Hockey Club.

$15.3 million for roads and bridges

Key projects:

• $4.0 million for Jumping Creek Road

• $3.6 million for general road resurfacing

• $2.6 million for the Fitzsimons Lane and Main Road Corridor (Templestowe Route) upgrade project

• $1.1 million for Holloway Road improvements.

$7.3 million for property works and acquisitions

Key projects:

• $1.8 million for property acquisitions to create more open space opportunities).

• $0.9 million for Wonga Park Reserve East Pavillion upgrade

• $0.6 million for Park Orchards Community House

• $0.5 million for Sheahans Stadium refurbishment.

$6.3 million for parks, open space and streetscapes

Key projects:

• $2.1 million for playspace upgrades across Manningham including $0.9 million for the Wombat Bend playspace restoration

• $0.6 million to implement the Ruffey Lake Park Masterplan

• $0.6 million for Mullum Mullum Creek Trail (Reynolds Rd to Tindals Rd) reconstruction project

• $0.4 million for the Morris Reserve Bicycle Facility project

• $0.4 million for bus shelters

• $0.3 million for place-based initiatives in activity centres

• $0.3 million for a new Manningham Sensory Garden.

$4.7 million for drainage renewals and upgrades

$3.0 million for plant and equipment including public artworks

$2.4 million for footpaths and cycleways

Shaped by community for community

This budget responds to what we heard from our community. We asked residents about their spending priorities through a community survey between September and November 2025. The top priorities were maintaining and cleaning public spaces, investing in sporting facilities (courts, ovals, fields and pavilions), improving parks reserves and other open spaces, maintaining local roads, and supporting community safety.

We understand that many in our community are facing challenges in the current uncertain economic environment. With this in mind, we have:

• kept rates in line with the Victorian Government’s mandated rate cap of 2.75%

• frozen the waste component of the waste service charge

• continued to assist rate payers experiencing financial hardship.

We are also advocating strongly to the state government to reconsider the mandatory rollout of a fourth kerbside bin and expand the Container Deposit Scheme. This is about keeping your waste costs down, without adding new bins, more trucks and new costs to households.

Council plan

This budget outlines how we’ll deliver the priorities in our second year of our Council Plan 2025-2029, while working toward our Community Vision. We’ve allocated:

• $38.8 million for a resilient environment

• $34.8 million for a well governed and innovative Council.

• $26.2 million for liveable places and spaces

• $24.4 million for a safe and healthy community

• $3.7 million for a thriving economy

Safer travel and better access delivered on Jumping Creek Road Manningham Council

Upgraded footpaths, safer road conditions, and strong environmental protections are just some of the major improvements Manningham Council has delivered for the community as part of the Jumping Creek Road upgrade.

Manningham Mayor, Cr Jim Grivas, said the upgrade of the vital transport corridor would achieve safe, sustainable and functional infrastructure while protecting the surrounding environment.

“This project isn’t just about upgrading a road –it’s about protecting and enhancing the natural environment that surrounds Jumping Creek Road and makes the area so special,” Cr Grivas said.

“From wildlife crossings to indigenous planting, we’re delivering improvements that support our community while protecting our local ecosystem for years to come.

“We’re also improving access for pedestrians and cyclists, with 4 kilometres of footpaths upgraded between the Warrandyte roundabout and Homestead Road.

“In addition, more than 800 drainage systems have been installed. These upgrades will significantly improve stormwater management and enhance safety for motorists and all road users,” Cr Grivas said.

Environmental protection measures are a key feature of the upgrade, which to date have seen:

• 6 wildlife crossings to support safe animal movement

• around 20 virtual fencing systems to help reduce wildlife-vehicle collisions

• 300 indigenous trees planted around the state park to enhance biodiversity and revegetation.

Construction continues across the remaining sections, with a focus on minimising disruption for residents while delivering long-term benefits for all road users.

Further updates will be shared as works progress. You can stay up to date via yoursay.manningham. vic.gov.au/jumping-creek-road-upgrade.

Manningham Council

Beyond Age exhibition challenges ageism

A new digital exhibition celebrates Manningham’s older residents, highlighting the importance of respect, dignity and safety at every stage of life.

The exhibition was created in partnership between Manningham Council and Seniors Rights Victoria and launched to mark World Elder Abuse Awareness Day in June.

As part of the project, participants paired a photograph from their past with one from their 0present, reflecting on their life and getting older, as well as sharing the advice they would give to their younger selves.

Manningham Mayor, Cr Jim Grivas, said Manningham Council was a proudly age-friendly organisation, committed to creating inclusive and supportive environments for people at every stage of life.

“From the moment we are born, we begin to age – it’s inevitable,” Cr Grivas said.

“Yet too often it’s seen in a negative light, shaped by the bias of ageism.

“That’s why initiatives such as Beyond Age are so important. They challenge stereotypes, champion lived experience and help older people be seen and celebrated.”

Gary Ferguson, from Seniors Rights Victoria, ran the workshops with participants and was delighted to see the exhibition launched in Manningham.

“The Beyond Age project aims to challenge the negative attitudes and commentary of what it means to be older,” Mr Ferguson said.

“Those who participated took to the workshops with great enthusiasm and candor. In fact, many wouldn’t stop chatting,

which confirms it’s a much-needed topic of conversation in our community.

“I would like to encourage everyone to think about how you can start and be involved in these conversations with those close to you and within your networks, because by challenging ageism individually and collectively, we work towards ensuring our rights are protected as we age.”

Several participants spoke at the launch, reflecting on the project and speaking candidly about both the challenges and rewards of ageing.

“I came away thinking this is great because you can see how other people felt about getting older,” Marie said.

“It was a very honest, open discussion, and it told me that everybody experienced frustration with getting older. We got angry because we couldn’t do the things we were once able to do... and the loss of friends and our own identity,” Neville said.

“I found everyone had such diverse background and experiences and it felt exciting to be able to share that. That’s probably the hardest thing as we get older – to have people who are willing to listen and learn,” Lola said.

In a final reflection, Abbas shared what he would tell his younger self.

“I’d tell my younger self that life is short, so listen to the wise and don’t wait for ‘someday’.

Do what you enjoy right now.”

The Beyond Age exhibition is now available online via our website:

manningham.vic.gov.au/encouraging-positive-ageing