anningham The
We are looking for business owners who like to join the
Manningham Network Group and Community Paper.
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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.
Follow us on facebook (https://www. facebook.com/findmanningham) so you keep up to date with what we are doing.
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.
Celebrate Community Spirit at the Maroondah Festival
By Joe Lam
Every year, the heart of Croydon comes alive with colour, laughter, and music as families, friends, and neighbours gather for one of the most loved community events in the east — the Maroondah Festival. Held at Town Park, Croydon, this free family event is a true celebration of local life, showcasing the best of Maroondah’s talent, culture, and community spirit.
As you stroll through the festival grounds, you’re greeted by the smell of delicious food from local vendors, the sound of live bands playing,and the sight of children dancing,painting,and exploring with wide smiles. It’s more than just a day out — it’s a reminder of how vibrant and connected the Maroondah community truly is.
Organised by the City of Maroondah, the festival offers something for everyone. From live stage performances and cultural showcases to creative workshops, community stalls, and sustainability exhibits — every corner of Town Park buzzes with activity. Local schools, sporting clubs, artists, and not-forprofit groups all come together to share what they do, inspire new members, and connect with residents.
Families can enjoy kids’ rides, interactive play zones, and fun performances, while food lovers can explore a variety of cuisines from food trucks and local favourites. For those wanting a slower pace, the community and market stalls provide the perfect place to browse handmade crafts, local produce, and creative goods.
What makes the Maroondah Festival so special is its focus on community connection. It’s not just an event — it’s a celebration of the people who make the area what it is. Local businesses and community organisations play an important role in bringing the festival to life, helping create a day filled with laughter, discovery, and togetherness.
Over the years, the festival has become a highlight on the local calendar — a day where new residents feel instantly welcomed and long-time locals reconnect with familiar faces. It reflects everything that makes Maroondah a wonderful place to live, work, and belong.
So, whether you’re coming for the music, the food, or simply to soak up the atmosphere, the Maroondah Festival is the perfect day out for everyone. Bring your picnic blanket, invite your friends, and come celebrate everything that makes our community shine.
Event details
• Date: Sunday 9 November 2025
• Time: 10am to 4pm
• Venue: Town Park, Croydon
• In the interest of public safety, the Maroondah Festival is an alcohol, smoke/vape and dog free event.
To learn more about the festival and upcoming community events, visit www.maroondah.vic.gov.au.
VCE 2025: Supporting the Next Generation of Achievers
By Jode Mae
Thousands of Victorian students are sitting their final exams as the 2025 Victorian Certificate of Education (VCE) continues across the state, running from October 28 to November 19. For many, this period marks not just the end of their school years, but the beginning of new and exciting opportunities ahead. The VCE remains one of Victoria’s most significant academic achievements, undertaken by nearly 50,000 students each year. Whether their next step is university, TAFE, an apprenticeship, or entering the workforce, the VCE serves as a critical stepping stone into adult life.
A Defining Stage in Every Student’s Journey
Typically spanning Years 11 and 12, the VCE allows students to choose from a wide range of subjects — from English, mathematics, and sciences to business management, media, languages, and the arts. This flexibility helps each student explore their interests while developing valuable academic and life skills.
In 2025, the Victorian Curriculum and Assessment Authority (VCAA) continues to refine the VCE to reflect a rapidly changing world. The emphasis now extends beyond exam results, with a focus on creativity, collaboration, and resilience — qualities that prepare students for success well beyond the classroom.
Pathways for Every Ambition
While many aim for a strong Australian Tertiary Admission Rank (ATAR), the VCE offers more than one route to success. The VCE Vocational Major (VM) provides an alternative pathway that blends academic learning with practical, hands-on experience. Through the VM, students gain employability skills, explore career interests, and build confidence in real-world settings. Whether they plan to pursue higher education, a trade, or direct employment, the VCE empowers them to follow their own paths.
Balancing studies, part-time work, and personal commitments can be demanding, and the support of families and communities is crucial. Parents play a key role by offering encouragement, open communication, and reminders about self-care and balance.
Schools are equally committed to student wellbeing, offering counselling, mindfulness programs, and peer support initiatives. Across Victoria, teachers, mentors, and community groups continue to provide guidance, tutoring, and safe study spaces — ensuring students know they’re not alone in this defining chapter.
Looking Ahead with Confidence
This year’s VCE students have grown up in a fast-paced world shaped by technology, innovation, and social change. Their adaptability, determination, and optimism highlight the strength of a new generation ready to make a difference.
Across schools, there’s a renewed sense of purpose — students are not only focused on academic success but also on contributing to their communities through leadership, sustainability, volunteering, and creative projects.
As the class of 2025 approaches the final stretch, communities across Victoria are preparing to celebrate their achievements. Graduation ceremonies, school assemblies, and local features will soon honour their hard work and resilience.
While ATAR scores attract headlines, they tell only part of the story. The true measure of success lies in the effort, perseverance, and growth each student shows along the way. Together, Victoria celebrates a generation of achievers — confident, compassionate, and ready to take on the future.
The Power of Support
From Noise to Momentum: The One Thing Most Not-for-Profits Overlook in Their Marketing
DIGITAL MEDIA
By Ethan Strybosch
In the world of not-for-profit marketing, visibility is often treated as the ultimate goal. More views, more clicks, more traffic — all signs of progress, right?
I used to believe that too.
But after working closely with dozens of incredible organisations, I’ve come to a different conclusion: visibility without clarity is just noise.
We’ve seen charities doing all the “right” things. Posting regularly. Running ads. Showing up on every platform. Yet despite their efforts, they weren’t seeing results. Their impact didn’t grow. Donations stayed flat. Engagement was minimal.
Why?
Because they hadn’t nailed the one thing that truly makes marketing work: a clear message.
Clarity is what turns a social post into a call to action. It’s what transforms a website visit into a donation. It’s the difference between being seen and being remembered.
The questions every not-for-profit must answer are simple — but powerful:
• What do you want people to do?
• Why should they care?
• How does your mission align with the change they want to see in the world?
When we helped clients uncover and communicate this clearly, everything shifted.
Campaigns started converting. Donors leaned in. Volunteers showed up. The mission came to life in ways that felt tangible and exciting.
This isn’t just theory. It’s the pattern we’ve seen again and again.
So if your organisation’s marketing feels like it’s falling flat, don’t immediately assume you need more content or a bigger ad budget. Don’t just chase reach for the sake of reach.
Instead, pause. Get clear on your message first.
Because clarity is what transforms noise into momentum. And in the not-for-profit world, momentum is what drives real, lasting impact.
Large Super Balances to Face Higher Tax
ACCOUNTANT
By Warren Strybosch
The government has backed away from one of its most controversial proposals — taxing unrealised gains within superannuation. This idea was widely criticised as an overreach and a logistical nightmare.
After all, how could investors fund a tax bill on paper profits, particularly if their super fund held illiquid assets such as property or private investments? The administrative complexity alone would have been immense.
Thankfully, common sense has prevailed. However, the government still needs to find new ways to raise revenue — and superannuation remains an easy target.
Despite shelving the tax on unrealised gains, the government has announced significant changes to the proposed Division 296 tax measure, which many in the accounting and financial professions have cautiously welcomed.
The key changes include:
• The tax will only apply to future actual earnings, not unrealised gains as originally proposed.
• The $3 million threshold will be indexed to the consumer price index (CPI) in $150,000 increments, keeping pace with the transfer balance cap (TBC). A new second threshold of $10 million will be introduced, with earnings above this level taxed at 40%. This will also be CPI-indexed in $500,000 increments.
• The start date will be delayed by one year to 1 July 2026, based
on members’ total super balance (TSB) as at 30 June 2027, with first assessments expected in 2027-28.
• The tax will apply to defined benefit pensions, ensuring consistent treatment across super structures.
The ATO will continue to administer and calculate the Division 296 tax liability, however super funds will be responsible for calculating the realised earnings for each member based on taxable income concepts and report this information back to the ATO.
The government will introduce legislation to implement these changes ahead of the 1 July 2026 start date, following further consultation with industry.
You can call them on 1300 88 38 30 or email info@findaccountant.com.au / www.findaccountant.com.au
This information is of a general nature only. It does not take into account your particular financial needs, circumstances and objectives. You should obtain professional financial advice if you have not already done so before acting on this information. You should read the Product Disclosure Statement (PDS) before making a decision to buy or sell a financial product. Any case studies, graphs or examples are for illustrative purposes only and are based on specific assumptions and calculations. Past performance is not an indication of future performance. Superannuation, tax, Centrelink and other relevant information is current as at the date of this document. This information contained does not constitute legal or tax advice.
In summary, the effective cumulative tax rates within super are tiered to the extent they are attributable to balances exceeding $3m or $10m:
Keep It Clean: Why You Must Separate Personal and Business Expenses
BOOKKEEPING
By JODIE MOORE
Let’s be honest — when you’re running a business, especially if you’re a oneperson show, it’s really easy for your personal and business expenses to get tangled up. You grab some printer ink at the store, toss in a few household items, and put it all on your business card because it’s what you’ve got handy.
It doesn’t feel like a big deal in the moment — but trust me, as a bookkeeper, I can tell you this: mixing personal and business spending can cause some serious headaches later on. Keeping them separate isn’t just about being organised (though that’s a big part of it). It actually protects your business, makes tax time a million times easier, and saves you money and stress in the long run.
Here’s why it matters — and how to make it simple.
1. It Keeps Your Books Clean (and Saves You Time)
When your personal and business spending are mixed together, it becomes a nightmare to figure out what’s what. You’ll end up digging through old receipts trying to remember if that Amazon order was for your business or your dog’s new leash.
Clean, separate accounts mean clean records — which makes it so much easier to see how your business is actually doing. You’ll know exactly what’s coming in, what’s going out, and where your money’s going. Plus, if you work with a bookkeeper or accountant, you’ll spend less time (and money) having them sort through messy statements.
With only the expenses that actually belong to the business, you’ll also know where you need to cut back if you find yourself overspending, or when your profit is increasing and you can comfortably expand your business, perhaps go from Sole Trader to Company and take on an employee.
2. Tax Time Will Be a Breeze
If you’ve ever sat down at tax time and realised you can’t tell which expenses are business-related, you know how stressful that feels. Mixing personal expenses into your business account makes it easy to accidentally claim something you shouldn’t — and that’s not a position you want to be in if the ATO ever takes a closer look.
When your business account is used only for business, your tax deductions are crystal clear. You’ll have accurate records ready to go, and your accountant will love you for it. In an audit, you’ll need to justify every business deduction. If your records are mixed, proving what’s business and what’s personal becomes nearly impossible. Keeping your finances separate not only helps you maximise legitimate deductions, but also protects you from penalties, interest, and the stress of an audit gone wrong.
3. It Protects You Legally
If you have an LLC or corporation, one of the main reasons you set it up was probably to protect your personal assets. But here’s the catch: if you mix personal and business funds, that legal protection can disappear. Lawyers call it “piercing the corporate veil” — which basically means your personal assets could be on the line if something goes wrong.
Keeping your finances separate shows that your business is a legitimate, independent entity. It’s a small habit that can save you from big problems later.
4. You’ll Look (and Feel) More Professional
Having a dedicated business bank account makes you look more puttogether — to clients, vendors, and lenders. If someone writes you a check to your business name, you can deposit it right into your business account, not your personal one. And if you ever apply for a loan or line of credit, clean business records will help you get approved faster. It’s not just about appearances, either. There’s something about treating your business finances separately that makes you feel more like a real CEO — even if you’re a team of one.
5. How to Keep It Simple
Here are a few quick tips to make the process easy:
• Open a business bank account just for your business income and expenses.
• Get a business credit card for workrelated purchases only.
• Pay yourself properly — transfer money from your business account to your personal account instead of spending directly. One larger transfer each month is better and easier to track than lots of little transactions. Or better yet, set up Payroll and pay yourself a regular wage. Speak to your Bookkeeper about setting this up correctly and what it means for your business.
• Track your expenses with bookkeeping software (Xero is super easy to use with most of the work done for you. And the monthly subscription is tax deductible)
• Check in monthly to make sure everything’s categorised correctly.
Keeping your personal and business finances separate might take a little extra effort at first, but it’s one of the best habits you can build as a business owner. It saves you time, reduces stress, and gives you a clear picture of how your business is really performing.
And the best part? It saves you time, money, and stress — and gives you the clarity you need to make confident, informed decisions about your business.
Clean books are powerful. When your finances are organised, your business runs smoother, and your peace of mind grows right along with your profits.
Vitamin D – The nutrient your body makes in the sun.
NATUROPATHY
By Kathryn Messenger
It’s probably the first time in history, other than perhaps for people who worked in the mines, when people work, travel, and spend leisure time without any exposure to the sun. In the past, even those who worked indoors would often walk to work, and most people would have a veggie garden that they spent time working in. In this current era when we have awareness of skin cancer, it seems we might have gone a bit too far.
The main role of Vitamin D is to put calcium into bones. It does this by promoting the absorption of calcium, then helping to regulate calcium levels in the blood. It also works to repair and remodel bones, by stimulating the absorption and growth of new bone tissue.
Additionally, vitamin D plays a role in muscle function. If you find yourself with a cramp that lasts for more than a few minutes, it’s likely a calcium deficiency in that muscle. Vitamin D is required for
the nervous system, the immune system, aids in blood pressure regulation, and has a role in glucose metabolism. So, as you can see, it’s definitely not a nutrient that should be forgotten.
As we get into the warmer weather, it’s a great time to think about how you can absorb more vitamin D. Most people can spend 10-15 minutes in the sun without burning, and some people can be out for longer. Find your sweet spot - the point before you burn and spend time in the sun with your arms and legs exposed. A great way to do this is to go for a walk or do other exercise at the same time, achieving two health outcomes at once.
Whilst sunscreen is great to prevent getting burnt, many of the ingredients are toxic. I cannot understand why nearly every brand of foundation make-up contains sunscreen, when most women wear makeup indoors. If you are out in the sun for an extended time, consider natural barriers such as a wide brimmed hat, long sleeves, or resting in the shade.
On top of that, there are a wide range of natural sunscreens available, and a cream that contains zinc is a great place to start.
Due to Melbourne’s distance from the equator, we can’t absorb vitamin D all year, so make it a priority when the sun is high in the sky over the next few months. You can do this by incorporating time outside in the sunshine in your weekly routine. This way your body will thank you both now, due to the many roles vitamin D plays, and for when you get older, with strong bones that are less likely to break and fracture.
SMSF's in Australia: Busting the Most Common Myths
Financial Planner
By Erryn Langley
Self-Managed Super Funds (SMSFs) continue to attract Australians who want more control over how their retirement savings are invested. Yet, despite their growing popularity, there are still plenty of myths and misunderstandings about how SMSFs really work.
Before deciding if an SMSF is right for you, it’s worth clearing up a few of the most common misconceptions.
Myth 1: You need a very large balance to start an SMSF. You don’t need to be a millionaire to set up your own SMSF fund. While an SMSF tends to make more sense for those with larger balances — generally between $300,000 - $500,000, it’s important to understand whether the control and investment flexibility justify the additional cost and responsibility. For some people, especially couples combining super, an SMSF can be a cost-effective option.
Myth 2: An SMSF is easy to run.
Running your own super fund is a serious responsibility. Trustees are personally accountable for all decisions, reporting and compliance. The ATO keeps a close eye on SMSFs to ensure rules are being followed. With the right advice and support, the administrative side can be managed efficiently, but it’s not something to take lightly. Talking to professionals like financial planners and accountants can help you understand all the requirements.
Myth 3: You can invest in whatever you like. SMSFs do offer flexibility of investments, from direct shares, exchange traded funds and property to term deposits and managed funds. Be aware there are strict rules around what’s allowed. Every investment must satisfy the “sole purpose test”, meaning it must genuinely be for providing retirement benefits. Buying assets for personal use or helping out family members is a definite no-go in the ATO’s eyes.
An SMSF can be a powerful structure for Australians who value control and are engaged with their finances, but it’s not suitable for everyone. Understanding the realities is the best way to decide if managing your own super is the right fit for you.
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 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.
What are “low means” residents in aged care?
It’s not always simple to gain access to the so-called “low means tested” accommodation benefit in aged care — and children encouraging parents to give away money in order to qualify may be stepping into a trap.
What are
“low means” residents in aged care?
In the context of Australia’s residential aged care system, a “low means resident” is a category used when assessing accommodation costs. Under current rules, when a person enters a residential aged-care home and their assessable assets and income fall below certain thresholds, they may qualify for a lower contribution to accommodation costs. (Challenger, 2025)
In simple form: if a parent has limited assets/income, they may be classified as low-means and so face lower daily accommodation contributions — i.e., they are not charged the full published “room price” but a reduced “daily accommodation contribution” (DAC) based on their means.
(Challenger, 2025)
This can seem attractive: for a child or family member wanting to help their parent avoid high accommodation costs, it may appear logical to reduce the parent’s assets (for example by gifting) so the parent qualifies as low-means. But that is where the trap lies.
The trap: limited rooms and waiting lists
Here’s the key issue: although the low-means category exists, there is no guarantee of immediate access to an aged-care room under that category. In fact:
Providers are not required to reserve a specific quota of rooms for low-means residents.
(Catalyst Foundation, 2025)
The demand for low-means places may be high, and rooms in desirable locations may be scarce or have waiting lists.
If a parent has given away assets to “qualify” but then faces delay in admission (or ends up in a home where low-means rooms are unavailable), the hoped-for cost savings may not materialise or may come with compromise (e.g., location, room type, quality).
Moreover, for a resident to retain “low means” status, the means test is fixed at the point of entry and remains valid only while they remain in the same facility. If they move, or leave for more than 28 days and re-enter, their assets/income may be reassessed and they may lose the low-means classification — meaning they could face higher contributions.
(Challenger, 2025)
In short: Encouraging or helping a parent to “gift” funds to qualify as low-means before entry can back-fire if there isn’t availability, or if the parent later requires a different facility, or if circumstances change. It may also affect the parent’s financial security in other ways
(e.g., ability to support themselves, to pay for other forms of care, or retain a cushion for emergencies).
Why children should be cautious
Here are some cautionary points:
Timing and availability – Merely qualifying for low-means doesn’t secure an immediate place in a home of choice. Sites may fill, waiting lists or transfers may be needed, and the “cheap” room may be lower quality or further from family support.
Irreversible financial decisions – Gifting assets is often irreversible. If the parent’s health deteriorates, or they move to a better facility, the assets may be needed for more costly care or extra services.
Means test complexity – The rules for means testing aged-care accommodation are intricate, splitting assets, income, home ownership, couples, “protected persons”, etc. Mis-calculation may result in unexpected contributions or losing the low-means status.
(Challenger, 2025)
Changing rules – With major aged-care reforms coming into effect on 1 November 2025, the landscape is about to change. Strategies based on current rules may not carry forward. Families should plan with full awareness of the incoming changes (see next section).
What’s changing from 1 November 2025?
From 1 November 2025, new rules under the revamped Aged Care Act 2024 (and associated regulations) will apply for new entrants to permanent residential aged care. Major highlights:
The existing “means-tested care fee” will be abolished for new residents and replaced by a Non-Clinical Care Contribution (NCCC).
(Department of Health, 2025)
A new “Hotelling Contribution” may apply (for everyday living costs — meals, laundry, utilities) for residents above income/ asset thresholds.
Providers will be allowed to retain 2% per annum of the lump sum refundable accommodation deposit (RAD) for up to 5 years (i.e., up to a 10% retention) on new entries after 1 Nov. (Aged Care Advisors, 2025)
Daily Accommodation Payments (DAPs) for those paying daily rather than lump sum will be indexed to inflation (twice yearly). Ideas
The “no worse off” protection means that those already in care on 30 October 2025 will retain their current arrangements unless they choose to opt-in to the new rules.
(Simply Retirement, 2025)
Importantly for low-means residents: although the low-means category continues, there remains no requirement for providers to reserve a quota of low-means beds.
Catalyst Foundation
So families planning ahead must recognise that the “cheap” entry via low-means doesn’t become easier under these reforms — indeed, for many, costs for non-low means residents will increase.
Final thoughts
Before encouraging a parent to give away assets (for example to reduce means and qualify as low-means), it is essential to pause and reflect:
Check availability: Is the desired home accepting low-means residents today? What is the waiting list?
Seek financial advice: Because the means testing, gifting rules, future care needs and the upcoming reforms are complex.
Consider flexibility: If the parent may need to move or wants a specific location/standard, a low means room might not meet the need.
Understand what happens after entry: Will the asset gift affect other support (e.g., pension, aged-care subsidies)?
Factor in the reforms: From 1 November 2025, the rules change — so a strategy effective today may not translate into future savings in the same way.
In short: the low-means path may look attractive, but it carries risks — especially if decisions are made without full knowledge of availability, waiting lists, future changes and the parent’s longterm care needs. A considered plan, with professional advice, is strongly recommended.
Warren Strybosch
Find Retirement® & Find Aged Care® www.findretirement.com.au
Part 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
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. 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.
Centrelink
Psst, I know of a way to pay for your Dentist Work.
RETIREMENT
By Warren Strybosch
You’ve probably seen the ads — those dramatic before-andafter photos showing someone with severely damaged teeth transformed into a dazzling smile. The pitch usually goes something like this: “Access your superannuation now to pay for your new smile!” It sounds tempting, especially when dental work can cost thousands. But here’s the catch — the Australian Taxation Office (ATO) and the Australian Health Practitioner Regulation Agency (Ahpra) have had enough of this kind of marketing and are taking serious action to stop it.
(Source: ABC Media release, October 2025 – “https://www.abc. net.au/news/2025-10-29/more-funding-for-dental-urged-assuper-withdrawals-soar/105939132 ")
Superannuation is designed to provide income in retirement, not to fund cosmetic or medical procedures. While there are legitimate circumstances where you can access super early on compassionate grounds, this is intended for genuine financial hardship or necessary medical treatment — not as an easy way to cover elective dental work.
Recently, the ATO and Ahpra announced a joint crackdown on what they describe as “business models and inappropriate practices” that promote early release of super to pay for dental or medical procedures that are either unnecessary or excessively priced. Their concern is that some health practitioners and agents are encouraging people to use their retirement savings to pay for expensive cosmetic treatments that do not meet the legal criteria for early release.
And it’s not a small problem. New ATO data shows that applications for compassionate release of super have surged — particularly for dental services, where requests have more than doubled over the past two years. This rapid increase has raised red flags about whether all of these applications are genuine or being influenced by misleading marketing campaigns.
(Source: ATO media release, September 2024 – “ATO and Ahpra working together to protect superannuation and health integrity”)
The ATO’s stance is clear: accessing super on compassionate grounds should be a last resort — only when all other options for payment have been exhausted. This means that if you can pay through a payment plan, a personal loan, or another financing option, those avenues should be explored before even considering dipping into your super.
For health practitioners, the warning is equally serious. The ATO has published guidance for dentists and other medical professionals who assist patients in applying for early release of super. This information covers what medical documentation is required, how to properly complete medical reports, and what “behaviours of concern” the regulators are watching for. Essentially, practitioners who help clients misuse the system could find themselves under regulatory scrutiny or even disciplinary action from Ahpra.
(Sources: ATO website – “Compassionate release of superannuation: Guidance for health practitioners,” 2024; Ahpra Statement – “Joint work with ATO on misuse of compassionate super release,” 2024)
Why is this such a big deal? Because once that super is gone, it’s gone for good — and the long-term impact on your retirement savings can be significant. A $10,000 withdrawal today might seem like a simple solution, but by the time you reach retirement, that same amount could have grown to $30,000 or more through compounding investment returns. In short, using super now for non-essential expenses can cost you your future comfort and security.
There are, of course, legitimate cases where dental work may fall under compassionate release — such as when the treatment is necessary to alleviate chronic pain, prevent deterioration of health, or restore basic function. But these situations are the exception, not the rule, and they require strong medical evidence to support the application.
So, if you’ve seen those ads promising a perfect smile funded by your super, think twice. The ATO and Ahpra are closing in on the businesses promoting these schemes, and individuals who misuse the system risk serious financial consequences. More importantly, your superannuation is meant to support you in retirement — not to pay for someone’s high dental invoice today.
The best approach? If you’re facing large dental or medical bills, talk to your financial adviser first. There may be safer and smarter ways to fund treatment without sacrificing your long-term financial wellbeing. After all, a great smile is wonderful — but peace of mind in retirement is even better.
You can read more about the ATO report here
Note also: The ATO has released information for health practitioners assisting their patients to apply for early access to super on compassionate grounds. The information includes material on: providing medical documents; medical report requirements; behaviours of concern.
References:
1. Australian Taxation Office (2024), ATO and Ahpra working together to protect superannuation and health integrity – ato. gov.au
2. Australian Health Practitioner Regulation Agency (2024), Joint statement on misuse of compassionate super release –ahpra.gov.au
3. Australian Taxation Office (2024), Compassionate release of superannuation: Guidance for health practitioners –ato.gov.au/individuals/super
Manningham Matters Introductory Article
EV Strengthening Communities in partnership with Manningham City Council provides the Manningham Volunteer Resource Service. We are pleased to announce the launch of a new service the Virtual Volunteer Navigation Hub. TheVirtualVolunteer Navigation Hub is available for anyone who is interested in finding volunteer opportunities in their local area.
We have trained volunteer assessors who will meet with you online via Microsoft Teams or at our office to discuss the volunteer opportunities that are available in your local area. Based upon the time you have available, what you are interested in doing and what you want to volunteer for, we will match you with opportunities in Manningham which meet your needs and the needs of your community. If you need additional support to volunteer our assessors can assist you.
You can go to our website www.ev.org.au and select “I want to volunteer” OR scan the QR code on this page to direct you straight to the registration form if you are interested local volunteer opportunities. Feel free to send in a registration form and you can complete the form yourself or ask for support. If you cannot complete it yourself, you’ll need to provide your name and contact details on the form so we can get back to you within a week.
Bringing art into everyday places: Manningham’s new PUBLIC VIEW program
A bold new initiative, PUBLIC VIEW, is inviting the community to experience art as part of daily life – transforming familiar urban spaces into outdoor galleries.
Manningham Mayor, Councillor Deirdre Diamante, welcomed the initiative as a meaningful way to reconnect with creativity, nature and one another.
“In the rush of daily life, it’s easy to overlook the beauty woven into our surroundings. PUBLIC VIEW invites us to find moments to pause, take notice and engage more deeply with the spaces and people around us,” Cr Diamante said.
“Bringing creative expression into everyday environments opens space for reflection and sparks curiosity. It’s a gentle invitation to connect in ways we often overlook,” she added.
The current exhibition, view of nature in art, selected works by Terry Napier is now on display at Tunstall Square in Donvale.
A celebrated natural history artist, Terry has lived in Park Orchards for more than 57 years and has been painting since childhood. Terry has works held in Victorian collections. Renowned for his contributions to art education and his intricate nature studies, Terry’s work encourages viewers to pause and observe the natural world around them.
“Exhibiting at Tunstall Square is another chance to show people the magic and beauty in nature – to share with them what intrigues me and perhaps remind them of what we are in danger of losing. Art in public spaces can be that reminder,” Terry said.
To learn more about the exhibition, visit manningham.vic.gov. au/view-nature-art.
Manningham Council opens Community Partnership Grants to support long-term local initiatives Manningham Council
Local not-for-profit organisations and community groups can apply for Manningham Council’s latest round of Community Partnership Grants, which support projects that drive long-term community and cultural development across the region. Eligible groups can apply for funding across 3 key streams:
• Community development – initiatives that deliver essential services, programs, and responses to the needs of Manningham’s diverse community
• Minor community events – to support the activation of key locations and attract people to Manningham
• Major community events – to support the activation of key locations, attracting and engaging a minimum of 8,000 people to key events in Manningham
Successful applicants could receive funding for up to 4 years, providing long-term support for projects that make a meaningful impact in the Manningham community.
Applications open on Monday 27 October and close at 5pm on Wednesday 10 December, with funding available for activities scheduled from 1 July 2026 – 30 June 2030.
To help organisations prepare their submissions, we will host 2 free information sessions and a grant writing workshop, offering practical support for developing grant proposals:
• Grant Information Session: Tuesday 28 October, 10:00am to 11:00am, Manningham Function Centre, Doncaster (inperson)
• Grant Writing Workshop: Monday 10 November, 9:00am to 12:00pm Manningham Function Centre, Doncaster (inperson)
• Questions and Answers (Q&A) Session: Wednesday 12 November, 4:00pm – 5:00pm (online)
For more information, to book in for an information session or our grant writing workshop or to apply, visit manningham.vic. gov.au/community-partnership-grants.
History turns a page for Schramms Cottage Manningham Council
Manningham is celebrating a new chapter in its history with the official opening of the new Schramms Cottage Museum and Visitor Centre in Doncaster East.
The $3.5 million facility and precinct upgrade officially opened on Friday 17 October, and will help the Doncaster Templestowe Historical Society preserve the history of Manningham for generations to come.
Manningham Mayor, Councillor Deirdre Diamante, said she was pleased to open the new centre, with Schramms Cottage an integral part of Manningham’s more recent pioneer story. “Local history is important because it helps us understand who we are as a community,” Cr Diamante said.
“It tells the stories of the people, places and events that have shaped us, where we live and our way of life.
“Thank you to the Doncaster Templestowe Historical Society, whose passion and dedication helps keep these vital stories of our community alive.”
The new building complements the historic Schramms Cottage and provides extra exhibition and storage space for the society to display and preserve their collection.
The spaces are climate controlled, ensuring that historical objects, particularly dresses and fabrics, will be preserved for longer.
The development also includes upgraded car parking, pathways and a new meeting room, which will be available for the general community to hire from late 2026.
“I’m excited that community will be able to access this space for meetings and events, creating new opportunities for the community to view and appreciate our heritage,” Cr Diamante added.
Schramms Cottage was first built in 1874 on Doncaster Hill, near the present Manningham Civic Centre, for German immigrant Max von Schramm for use as a house and school.
In 1971, it was moved to its current location in Rieschiecks Reserve and now provides a picture of what life was like in the pioneering days of the late 1800s.
Doncaster Templestowe Historical Society President Geoffrey Broome said the society was delighted to see completion of the new facility, a culmination of many years of collaboration with Manningham Council.
The new visitor centre will be open to the public from Sunday 2 November. The existing historic complex, including Schramms Cottage, is open every Sunday, 2:00pm to 5:00pm and is available mid-week for local school excursions.
More information is available at the websites of Manningham Council and the Doncaster Templestowe Historical Society.
Major works begin on Jumping Creek Road
Major works have commenced to upgrade Jumping Creek Road, a key transport corridor in Warrandyte. This significant infrastructure project will improve safety, accessibility, and connectivity for all road users, including pedestrians and cyclists. The upgrade works include road reconstruction and asphalting, improved drainage, new paths and enhanced landscaping to preserve the area’s natural character while supporting future growth.
As part of the upgrade, Manningham Council also completed a new footpath along Dudley Road, delivering safer pedestrian access for residents and visitors. The footpath now provides a vital link between local homes, schools and public transport routes.
Manningham Mayor Councillor Deidre Diamante said the Jumping Creek Road upgrade is a major step in improving road safety and access for all road users:
“The Jumping Creek Road upgrade reflects our commitment to
improving access for everyone whether you’re walking, cycling, driving, or catching public transport,” Cr Diamante said.
“These projects are about creating safer, more connected neighbourhoods and supporting the way our residents move through Manningham.”
As well as improving the safety of Jumping Creek Road, the upgrade will provide increased vegetation for the area and wildlife protection measures. Virtual fence posts were installed in March to protect local wildlife and help reduce roadkill.
Council thanks the community for its ongoing support and patience as works continue.
The Jumping Creek Road upgrade is expected to be completed in late-2026.
For more information and updates, visit YourSay Manningham.
Help shape the future of Templestowe Village Manningham Council
Manningham Council has launched a survey on the Templestowe Village Streetscape Upgrade, inviting community feedback to help shape the future of this vibrant precinct.
The survey is now live and seeks input on how the community envisions potential improvements to accessibility, safety, public spaces and the overall village experience.
Manningham Mayor, Councillor Deirdre Diamante said the project is a key opportunity to build on the unique heritage of Templestowe Village while planning for its future.
“Templestowe Village is a special part of our community and we want to ensure its future reflects the needs and aspirations of the people who live, work and visit here,” the Mayor said.
“This is your first of several opportunities to inform how we shape the next chapter of the Village. It’s also an opportunity to tell us what you love about the Village, so we can keep and retain
the elements you love and preserve features that enhance connection, heritage and legacy.”
The survey is accessible online and will remain open until 30 November. There will also be opportunities to ask questions about the survey at pop-in community sessions.
• Visit us at the Templestowe Village Pod near 114 James Street.
• Saturday, 8 November from 10:00am to 12:00pm
• Thursday, 13 November from 2:30pm to 4:30pm
Wednesday, 19 November from 12:00pm to 2:00pm The survey will include an Expression of Interest for community members who may wish to be selected for a focus group workshop, to be held at a later stage.
For more information on the project as it develops, visit YourSayManningham and subscribe to updates.
Help shape Manningham’s water future
Manningham Council’s draft Integrated Water Management (IWM) Strategy guides how we can manage water sustainably to maintain our liveability and improve waterway health over the next 10 years.
Residents are now invited to share their feedback on our draft IWM Strategy.
Manningham Mayor, Councillor Deirdre Diamante, reinforced the importance of a collaborative approach to water management in Manningham.
“Water is a limited resource, and we all have a role to play in ensuring we continue to use water wisely now and into the future,” Cr Diamante said.
“It’s important we work together to get this right, particularly as we face challenges like a growing population and the
Jim
has been elected the new Mayor of Manningham, at the Annual Meeting of Council on Thursday 6 November.
He was unanimously chosen by his fellow Councillors to lead Manningham Council for the coming year, alongside Councillor Deirdre Diamante, who was elected as Deputy Mayor.
In his acceptance speech, the Ruffey Ward Councillor and Manningham resident of more than 25 years said it was a great privilege to serve our diverse community as Mayor.
“With this privilege comes a responsibility: as custodians of Manningham, we must ensure we leave our city stronger, more inclusive and better prepared for future generations,” Cr Grivas said.
Strengthening community engagement, enhancing sustainability initiatives and supporting local business and innovation will be a focus for Cr Grivas during his second Mayoral tenure.
He returns to the role after serving as Manningham Mayor in 2013/14, and as a previous Councillor in the 2012-16 Council term.
“Our community is at the heart of everything we do – and I am looking forward to working with my fellow Councillors to leave a legacy that we all can be proud of,” Cr Grivas said.
increasing flood and drought risks that come with a changing climate.
“This strategy will help us keep our parks and recreational facilities green and contribute to the health of our community and waterways,” Cr Diamante said.
The draft strategy addresses the management of all water sources to maintain our amenity, by providing for the irrigation of sports ovals and recreational facilities and delivering cooler and greener environments.
There are a number of opportunities for you to learn more about the draft IWM Strategy and chat with the team who will be in attendance at the following events.
• Park Orchards Market on Saturday 15 November
• Tunstall Square Market on Sunday 30 November
Alternatively, you can register to attend a drop-in session at MC2 Doncaster, between 6:00pm and 8:00pm on Wednesday 3 December.
Have your say
Help support a healthy environment and our liveability by having your say on the draft IWM Strategy. Your feedback will help inform how we finalise the strategy.
To have your say, please complete the online survey before 5:00pm, Monday 15 December 2025.
For more information, visit the Integrated Water Management Your Say Manningham page.
New Mayor and Deputy Mayor for Manningham Manningham Council
Newly elected Deputy Mayor, Cr Diamante, congratulated Cr Grivas on the appointment, and spoke of her commitment to continuing to work together to get the best outcomes for Manningham.
“I’ve lived in Manningham all my life, and my goal is that it will be a place that my children and grandchildren will know and love in the future,” Cr Diamante said.
Manningham Council CEO Andrew Day echoed the sentiments of Council and congratulated the new Mayor and Deputy Mayor on behalf of the organisation.
Councillors thanked Cr Diamante for her service as Mayor over the past year – including her commitment to supporting local businesses, residents impacted by the North East Link Project, and older adults.
Find out more about Manningham’s Councillors, or watch the Annual Meeting of Council.
Councillor
Grivas
