Issuu

The

MAROONDAH SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH

AUGUST 2026

What’s INSIDE:

06 Columnist article Warren Strybosch - Accountant

buy local support local

11 Maroondah Council news

By Joe Lam

Every purchase tells a story. By choosing to shop, dine, and do business locally, you're helping Maroondah's small businesses grow, creating local jobs, and building a stronger community. Discover how together, we can make a lasting difference - Buy Local, Support Local.

Read full article on page 4.

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GENERAL INSURANCE

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WARREN STRYBOSCH

LESLEY-ANNE BANTON

Craig Anderson

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joanna srtybosch

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ETHAN STRYBOSCH

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JODIE MOORE

KATHRYN MESSENGER

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About the Find Maroondah By Warren Strybosch

The Find Maroondah is a community paper that aims to support all things Maroondah. 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 Maroondah 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.

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.

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/findmaroondah) so you keep up to date with what we are doing. We value your support, The Find Maroondah Team.

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

Maroondah The

EDITORIAL ENQUIRIES: Warren Strybosch | 1300 88 38 30 editor@findmaroondah.com.au PUBLISHER: Issuu Pty Ltd POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134 ADVERTISING AND ACCOUNTS: editor@findmaroondah.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SUPPORT: editor@findmaroondah.com.au WEBSITE: www.findmaroondah.com.au

OUR NEWSPAPER The Find Maroondah was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with a core focus of helping other Not-For-Profits, 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 Maroondah has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS MAROONDAH The City of Maroondah is a local government area in Victoria, Australia, in the eastern suburbs of Melbourne. Maroondah had a population of approximately 118,000 as of the 2019 report, comprising 9,000 businesses and nearly 46,000 households. The City of Maroondah was created through the amalgamation of the former cities of Ringwood and Croydon in December 1994.

ACKNOWLEDGEMENT The Find Maroondah acknowledges the Traditional Owners of the lands where Maroondah 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.

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Readers are advised that the Find Maroondah 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.

Next Issue of the Find Maroondah will be published on Friday July 10, 2026. Advertising and Editorial copy closes Friday August 28, 2026.

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By Joe Lam Every time you choose where to buy your morning coffee, pick up a birthday gift, book a tradie or enjoy a meal out, you're doing more than making a purchase—you’re helping shape the future of Maroondah. Our local businesses are the heart of our neighbourhoods. They sponsor junior sporting clubs, support school fundraisers, create local jobs and give our shopping strips their unique character. When they thrive, our whole community benefits. That’s why buying local is more important than ever. Maroondah City Council continues to champion local businesses through a range of initiatives that help them start, grow and succeed. From BizHub Maroondah, which provides mentoring, training, workshops and networking opportunities, to the Council’s free Business Concierge service that helps entrepreneurs navigate permits and business requirements, these programs are designed to build a stronger local economy. The Council also celebrates outstanding businesses through the Maroondah Business Excellence Awards, recognising the people and organisations that make a positive contribution to our community. But building a vibrant local economy isn't something Council can do alone—it takes all of us.

Supporting local doesn't have to mean spending more. It can be as simple as buying fresh produce from a neighbourhood grocer, enjoying lunch at a family-owned café, choosing a local electrician, or browsing the shelves of an independent retailer before heading online. Leaving a positive review, sharing a favourite business on social media, or recommending them to friends can also make a real difference. Every dollar spent locally has a ripple effect. It helps business owners employ local people, invest back into the community and keep our shopping precincts vibrant and welcoming. Strong local businesses also create places where neighbours meet, friendships grow and communities connect. Imagine a Maroondah where every shopping strip is bustling, every café is filled with conversation, and every small business has the confidence to invest in the future. That vision begins with the choices we make each day. The next time you need to buy something, pause for a moment and ask yourself, "Can I buy it locally?" Your decision could help a local family, create new opportunities and strengthen the community we all call home. Because when we Buy Local, Support Local, we're not just spending money—we're investing in Maroondah's future.

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Why Wildlife Corridors Matter

reptiles, insects and small mammals. For species such as the sugar glider, connected vegetation is particularly important, allowing them to move between feeding and nesting sites while reducing the need to descend to the ground where they become more vulnerable to predators. Anthony Bigelow

Every day, thousands of people travel alongside Dandenong Creek on their way to work, school or home. For many, it is simply a green ribbon winding through Melbourne's eastern suburbs. But for native wildlife, it is something far more important. It is a lifeline. Wildlife corridors are areas of connected habitat that allow animals to move safely between larger patches of bushland. Rather than becoming isolated in small pockets of vegetation, species can search for food, find shelter, locate breeding partners and adapt to changing environmental conditions. This movement is essential for healthy ecosystems. In many urban environments, wildlife corridors are not continuous strips of bushland. Instead, they often function as a series of "stepping stones" – connected patches of habitat that allow animals to move progressively through the landscape. A remnant woodland, a creek reserve, a line of mature trees or a revegetated park can each provide places for wildlife to rest, feed or shelter before continuing their journey. The closer and better connected these habitat patches are, the more effective the corridor becomes. These stepping stones are not limited to public reserves. Gardens for Wildlife programs demonstrate how private gardens can also contribute to urban habitat. By planting indigenous species, retaining mature trees where possible and providing food and shelter for native animals, residents can help strengthen the connections that wildlife rely on across the landscape.

Maintaining these connections is an ongoing challenge in urban environments. As cities grow, protecting existing habitat becomes just as important as creating new habitat. Every revegetation project, every indigenous tree planted and every restored reserve has the potential to become another stepping stone, strengthening the links that wildlife rely on to move through the landscape. This is where community organisations such as First Friends of Dandenong Creek play an important role. For more than 25 years, volunteers have worked alongside councils, government agencies, businesses and local communities to restore habitat throughout the creek corridor. Thousands of indigenous plants are established each year, not simply to beautify the landscape, but to improve habitat connectivity for native wildlife. These projects are investments in the future. The seedlings planted today will mature into trees that provide food, shelter and, eventually, the hollows required by many native species. Over time, individual planting sites become connected, strengthening the corridor and creating healthier ecosystems that support a greater diversity of wildlife. Wildlife corridors remind us that conservation is rarely about protecting a single location. Instead, it is about ensuring that nature remains connected across the landscape. Along Dandenong Creek, every restored reserve, every partnership and every volunteer contribution helps reinforce that connection. Together, they are creating a corridor that allows wildlife not only to survive within Melbourne, but to continue moving through it for generations to come.

The Dandenong Creek corridor is one of Melbourne's most significant urban wildlife corridors. Stretching from the foothills of the Dandenong Ranges to Port Phillip Bay, it links parks, wetlands, reserves and remnant bushland across a rapidly growing metropolitan landscape. While the corridor supports many well-known species such as kangaroos, echidnas and numerous native birds, it also provides habitat for less conspicuous wildlife including frogs,

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When Should You Update Your SMSF Trust Deed? ACCOUNTANT By Warren Strybosch

One of the most overlooked aspects of managing a Self-Managed Superannuation Fund (SMSF) is ensuring that the fund's Trust Deed remains current and reflects the way the fund actually operates. Many trustees establish an SMSF and then rarely look at the Trust Deed again. However, as life changes, so too should the legal documents governing your fund. Failing to update your Trust Deed when circumstances change can create administrative issues, compliance risks and complications when benefits need to be paid. What is an SMSF Trust Deed? The Trust Deed is the governing document of an SMSF. It sets out the rules for how the fund operates, including: • • • • • •

Who can be members. How trustees are appointed and removed. How contributions can be accepted. How pensions can be paid. How death benefits are distributed. The powers and responsibilities of the trustee.

While superannuation legislation overrides the Trust Deed where required, the deed must still provide the necessary powers for the trustee to carry out many actions. When Should an SMSF Trust Deed Be Updated? Although there is no requirement to update a Trust Deed every year, there are several situations where trustees should review it. 1. Changes in Superannuation Law Superannuation legislation changes regularly. Over time, new contribution rules, pension requirements and administrative provisions may require the Trust Deed to be amended to ensure the fund has the appropriate powers. An outdated Trust Deed may prevent trustees from taking advantage of legislative opportunities or create uncertainty about whether certain actions are permitted.

Bringing a New Partner into the SMSF

•

One of the most common reasons to review an SMSF Trust Deed is when a member enters a new relationship and wishes to invite their spouse or de facto partner to join the fund.

Trust Deed Amendment

Consider the following situation: • • •

The SMSF currently has one individual member. The fund has a corporate trustee. The member is the sole director of the corporate trustee.

When a new spouse or de facto partner joins the SMSF, several legal changes generally need to occur. Membership The new partner must apply to become a member of the fund and sign the necessary trustee declarations acknowledging their responsibilities under the Superannuation Industry (Supervision) Act. Corporate Trustee Changes Because each member of an SMSF is generally required to be a director of the corporate trustee, the company will usually need to appoint the new partner as an additional director. This requires: • •

Appointment of the new director. Notification to ASIC within the required timeframe.

Updating the company's registers and records.

The Trust Deed should also be reviewed to ensure it: • • • •

Allows for the admission of the new member. Correctly reflects the trustee structure. Provides the necessary powers for the expanded membership. Incorporates any legislative changes since the deed was originally executed

Depending on the age of the deed, advisers may recommend either a deed update or a complete deed replacement (also known as a deed upgrade). 3.

Estate Planning Changes

If trustees wish to implement: • Binding Death Benefit Nominations, • Reversionary pensions, • Death benefit strategies, or • Estate planning arrangements, the Trust Deed should first be reviewed to ensure these provisions are supported. Many older deeds either don't allow certain strategies or contain outdated wording. 4.

Commencing Retirement Pensions

Before commencing an Account-Based Pension or other retirement income

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stream, trustees should confirm that the Trust Deed permits the pension they intend to establish and reflects current legislation.

Reviewing the Trust Deed before making significant changes is generally far easier—and less expensive—than fixing problems later.

Don't Forget the Other Documents

Changes to Trustee Structure

Other situations include: • • • • •

requiring

review

Replacing an individual trustee with a corporate trustee. Changing directors of the corporate trustee. Admitting or removing members. Death of a member. Divorce or separation.

Each of these events can require amendments to the fund's legal documentation. Why Updating the Trust Deed Matters

Updating the Trust Deed is only one part of the process. Trustees should also review: • • • • • • • •

The company's constitution (where appropriate). ASIC records. Membership applications. Trustee declarations. Binding Death Benefit Nominations. Investment Strategy. Bank authorities. Pension documentation (if applicable).

An outdated Trust Deed can cause significant problems, including:

Keeping all documents consistent helps ensure the SMSF remains compliant and accurately reflects the wishes of its members.

•

Final Thoughts

• • • •

Delays in implementing member strategies. Questions during the annual SMSF audit. Difficulties paying death benefits. Increased legal costs to rectify historical issues. Potential disputes between beneficiaries.

Life events such as marriage, entering a de facto relationship, retirement, or changes in family circumstances are often the trigger for reviewing an SMSF's legal structure. If you currently operate an SMSF with a sole member and sole director corporate trustee, inviting your

new partner into the fund involves more than simply adding another member. The corporate trustee, Trust Deed and supporting documentation all need to be reviewed and updated to ensure the fund remains compliant and operates as intended. A proactive review of your SMSF's governing documents can help avoid costly mistakes and provide confidence that your retirement savings are protected for the future.

Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au / www.findaccountant.com.au

Important Information 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.

Congratulations! The finalists for the 2026 Australian Wealth Management Awards have been revealed.

Warren Strybosch

Founder/Managing Director - Find Group of Companies

Finalist in • ADVISER OF THE YEAR – PERSONAL ADVICE Find Wealth Pty Ltd t/as Find Retirement

• INNOVATOR OF THE YEAR – FINANCIAL ADVICE Find Pty Ltd t/as Find Wellbeing

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How Does Homeopathy Work If It's So Diluted? NATUROPATH By Kathryn Messenger

If you've ever looked into homeopathy, you've probably come across the same question: How can something work if there's almost nothing in it? This is a fair question, and an internet search doesn’t do much to instil confidence in its amazing properties. Homeopathy is different from conventional medicines, and its method of preparation challenges what many of us believe to be solid science. Rather than dismissing the question, it is worth exploring. Science has a long history of observing that something works completely, before understanding why, and homeopathy is no exception. A Brief History Homeopathy was developed over 200 years ago by the German physician Samuel Hahnemann. Dissatisfied with many of the medical treatments of his day, he began carefully observing how substances affected healthy people and how they might be used to help people experiencing similar symptoms. Over the years, homeopathy has grown to be used by millions of people worldwide. It continues to be practised in many countries alongside conventional healthcare, particularly in European countries where it began, and India where the government cannot afford to subsidise expensive medications.

How Are Homeopathic Medicines Made? Homeopathic medicines are prepared through a series of carefully controlled dilutions and vigorous shaking between each step, a process known as succussion. Each medicine is manufactured according to recognised pharmacopoeia standards to ensure consistency and quality. This preparation is one of the main reasons homeopathies attracts debate. At higher potencies, many homeopathic medicines are diluted beyond the point where modern chemistry would predict any molecules of the original substance remain. From a conventional pharmacology perspective, this raises an obvious question: How could it possibly have an effect? To date, science does not have a widely accepted answer. That uncertainty is often presented as evidence that homeopathy cannot work. However, the history of medicine reminds us that understanding often follows observation. Observation Often Comes Before Explanation One of the best-known examples comes from the medicine known as Viagra. Researchers originally developed sildenafil to treat angina, but clinical trials revealed an unexpected side effect and the drug proved ineffective for its intended purpose. This observation prompted further research, leading to its widespread use for erectile dysfunction. Rather than

reflecting a lack of scientific understanding, this demonstrates how careful observation and ongoing investigation can uncover valuable new clinical applications. Medical history contains many similar examples. Aspirin was used long before scientists fully understood how it reduced pain and inflammation. Penicillin was discovered because Alexander Fleming noticed something unexpected growing in a laboratory dish. Even today, researchers continue to discover new uses for existing medicines. Scientific progress often begins with clinicians asking, "Why did that happen?" Homeopathy science

and

observational

Homeopathy has been used clinically for over two centuries, yet researchers are still investigating how highly diluted medicines might exert biological effects. This is an active area of research rather than a settled question. Scientists have explored several possible explanations, including changes to the structure of water during the preparation process, the formation of nanoparticles during manufacturing, and measurable biological responses in laboratory models. Progress has been made, and the fact that homeopathy does contain minute substances has been verified. However, on shoestring budget, researchers continue to investigate the question using modern scientific methods. Understanding the mechanism is important, but history reminds us that discovering how something works

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sometimes takes| AUGUST much 2023 longer than 36 FIND MAROONDAH recognising that something works.

research, clinical trials and systematic reviews. This illustrates that whilst individualised treatment is best practice, some health conditions can often be treated with the same remedy.

RETIREMENT &

What Does the Research Say?

Like many areas to the of Government healthcare, you, and according homeopathy research is complex. website MoneySmart1 may fall into one of the following four types: Whilst researchers have also published randomised controlled 1. Cash: Invests 100% in deposits trials, with observational studies and systematic Australian deposit-taking institutions reviews homeopathic or in investigating a ‘capital guaranteed’ life treatment across a range conditions insurance policy. This of option aims also to exist. guarantee your capital and accumulated earnings cannot be One challenge is that homeopathy reduced by losses on investments. is usually individualised. Two people 2. Conservative: Invests around 30% with the same medical diagnosis in shares and property with the may receive different homeopathic majority in fixed interest and cash. medicines because the prescription is Aims to reduce the risk of loss and based on the whole person rather than therefore accepts a lower return the diagnosis alone. This individualised over the long term. There is less and holistic approach does not align well with conventional research methods. Most clinical studies are designed to administer a single intervention to a large group of participants with the same health condition and then evaluate its effectiveness by analysing the proportion of individuals who experience improvement.

AGED CARE

understood exactly how they worked or findmaroondah.com.au recognised their best application.

AUGUST 2023

Homeopathy continues to raise important scientific questions, and researchers continue to investigate This also means higher them. losses in bad

chance of having a bad year than As with allbalanced areas of medicine, in the or growth research options years compared to investing in other continues Whether future You discoveries below.to evolve. low risk options. may alsofully be explain able mechanisms be seen. 4. Balanced: Invests around 70% in toitsinvest in a 'highremain growth'tooption with In What Does This Mean for Patients? the meantime, thoughtful discussion, shares or property, and the rest in 100% in shares and property. ongoing research and high-quality fixed interest and cash. Aims for When individuals visit my they The clinical studies are more valuable than reasonable returns, but clinic, less than importance of far diversification are growth usually looking for one thing: to feel dismissing a therapy simply because funds to reduce risk of Diversification is a golden rule ofwe better. Most have already seen their don't yet have all the answers. Spreading investments losses in bad years. Those losses investing. doctor and occur either have a diagnosis, or a across different asset classes can usually less frequently than functional disease, which You is when the strike If you'd like to learn more about how a balance between security in the growth option. mayall also testing they are (defensive homeopathyassets), is used in and clinical higher practice, be comes able toback investclear, in a but ‘moderate’ still unwell support. or whether it may complement your returns (growth assets). This option and withneed around 50% in shares investment current healthcare, I'd be happy can reduce your overall investment risk to and property. Like Growth: anything, some people discuss during of a consultation. the itimpact significant market 5. Invests around 85% will in and notice an orobvious improvement with downturns, or poor returns from a shares property. Aims for higher homeopathy, and some will long notice less. particular For links to research business orarticles sector. and updates average returns over the term. Whilst homeopathy is definitely a whole on homeopathy visit the Homeopathy system of medicine on its own, I usually Research Institute. see better results when it’s combined Kathryn Messenger with herbal medicine, nutrition, or lifestyle changes. BHSc (Naturopathy)

As a transition into retirement is made, there needs to be a much bigger focus on income stability and wealth protection rather than wealth accumulation.

Some homeopathic research shows little difference to placebo due to the lack of individualised treatment. The Homeopathy Research Institute has compiled and summarised hundreds of published studies examining laboratory

Keep questioning

Science has always advanced through curiosity.

kathryn@wholenaturopathy.com.au Suite 1 53/1880 Ferntree Gully Rd

Mountain Gate Shopping Centre Ferntree Gully, Victoria

Questioning, testing ideas and refining our understanding are all part of the scientific process. Many accepted medical treatments began with careful clinical observations before researchers

CONGRATULATIONS! $ WARREN STRYBOSCH Find Group

The founder of the Find Group of companies draws on his diverse background, which ranges from teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multi-award winner, Warrens’s innovative approach in business means he was a champion of virtual financial advise long before the pandemic. Warren established the Find Foundation, which owns and operates accros Victoria.

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA 2021 & 2022 The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn’t mean they are not making waves. Meet our Power 50.

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Bookkeeping - Back to basics

The Price is Right BOOKKEEPING By Jodie Moore

Pricing a product or service is one of the most critical decisions a business owner must make. Charge too much, and you risk scaring away potential customers. Charge too little, and you might not cover your costs or earn the profit you need to sustain and grow your business. Here’s a step-by-step guide to help you understand how to determine the right price for your product or service using smart pricing strategies. 1. Understand Your Costs The first step in pricing is understanding all of the costs involved in delivering your product or service. These costs typically break down into two categories: • Fixed Costs: These are costs that remain constant, regardless of how much you produce or sell. They include things like rent, utilities, software subscriptions, and salaried employees. • Variable Costs: These fluctuate depending on how much you produce or sell. Materials, hourly wages, packaging, and shipping costs all fall under this category. Once you’ve calculated both fixed and variable costs, you can figure out your break-even point—the minimum number of sales you need to cover both types of costs. This is crucial, as it ensures that your pricing will at least allow you to avoid losses. 2. Analyse the Market Next, you’ll want to research the market. Understanding what your competitors charge is an essential part of the pricing strategy. However, just copying your competitors isn’t always the best approach. Look at: • Direct Competitors: These are businesses offering similar products or services. What price range do they offer, and how does your product compare in terms of quality and features? • Indirect Competitors: These may not be offering exactly what you do, but they still capture your potential

•

customers’ attention. For example, a local bakery might compete with a coffee shop that offers prepackaged pastries. Customer Expectations: What do your customers value most? Are they looking for premium quality, or are they more focused on affordability? This can help you position your price in a way that aligns with what your target market expects.

3. Factor in Profit Margin One of the biggest mistakes small business owners make is not accounting for the profit margin. After covering all your costs, you need to ensure that you’re making a profit. Profit margin is typically calculated as a percentage of the cost of goods sold (COGS). A common rule of thumb for small businesses is to target a profit margin between 10% and 20%, though this can vary depending on the industry. For instance, if your total cost per product is $50, and you want a 20% profit margin, you would add $10 to the cost (for a total price of $60). This ensures that your pricing strategy not only covers costs but also allows for sustainable growth. 4. Consider Psychological Pricing Psychological pricing can have a powerful impact on your sales. For instance, pricing something at $99.99 instead of $100 can trigger a perception of a better deal, even though the difference is just one cent.

In addition to this “charm pricing,” consider tiered pricing strategies, bundling, or offering discounts for bulk purchases. Offering multiple price points or subscription-based pricing can also appeal to different customer segments and encourage repeat business. 5. Test and Adjust Even with all the research and calculations in place, pricing is not a one-time decision. Over time, customer behaviour, market conditions, and your business costs can change. That’s why it’s important to test your pricing strategy. You might try offering a new product at a slightly higher price to see how customers respond or provide limitedtime discounts to see if they increase sales volume. By tracking your sales data and monitoring customer feedback, you’ll be able to adjust your pricing strategy as needed, ensuring long-term profitability. Conclusion Pricing is both an art and a science. By carefully calculating costs,understanding market conditions, factoring in profit margins, and considering psychological pricing techniques, you can find a price point that supports your financial goals. In the end, the right price isn’t just about what customers are willing to pay—it’s about creating a balanced strategy that ensures your business can thrive in both the short and long term.

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The History of the Heatherdale Junior Football Club

The Heatherdale Football Club was founded in 1969. This is the initial story: In 1967, Ray Woolridge took his eldest son, Peter, for a “kick” of footy on the Eastmont Primary School oval. Whilst they were having a “kick”, another boy asked if he could join in. At the end of the “kick” he asked, “Will you guys be coming again next week? If so, I’ll bring a few friends. And so he did just that! Each Saturday morning, more and more boys arrived. Ray and Peter turned up each Saturday, and pretty soon some of the Dads started coming down too for a look and wanted to get involved. In 1968, Ray organised 4 sets of jumpers. Red, Black, Green and Blue. And games were played amongst those teams. The “Blacks” won the first premiership coached by Barry Dennis. The Heatherdale Junior Football Club was formed in 1969. A team of U/13s was entered into the Melbourne Boys League. The Distance travelled was vast, and the opposition most aggressive. In 1971, the Club entered teams into the Doncaster and Districts Junior Football League. In 1972, there were 4 Under 11 teams and one of those teams, coached by Frank Horsnaill, won the Club’s FIRST premiership. It was also this year that the new pavilion was used for the first time.

The founder, Ray Woolridge, was President for the first 3 years, 1969-1971. Ray then went on to coach the Saturday morning competitions. In 1974, he took on the U/10s, a role that he held for a long time and was famous for. Kids would come from up to 20 kms away to play at Heatherdale to be part of the spirit that Ray had instilled, and the encouragement of every boy was a joy to their parents. Ray’s unique style of coaching saw him win 4 premierships and a “runners-up” 1975, 1976, 1977 and 1979. Ray went on to coach until 1990 and was also a trainer at Vermont Football Club for 10 years. He was affectionately known as “The Godfather” for the way he looked after the kids in his charge. During the late 1970s and the early 1980s, the Heatherdale Football Club was unofficially the largest Football Club in Australia. With some 450 boys playing each week. This equates to about 18 teams. The Club wore purple and gold stripes and was known as the DALES. They competed in the DDFL until 1998, when a merger was done with Heathmont Junior Football Club. It is important to note that Heatherdale contributed the larger percentage of kids at the time of the merger. Although the decision was not popular with everyone, the Committee felt it had simply run out of steam. Most age groups were struggling with player numbers as the local population changed and the area matured. While the Club's earlier success had begun to decline, Heatherdale remained a proud football club that shaped the lives of countless players, families, volunteers, and supporters. Those who were part of its journey continue to cherish the many wonderful memories made along the way.

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AI and older Australians: why seniors deserve a seat at the table By Maree Smith

Artificial Intelligence is no longer a future possibility. It is rapidly becoming part of everyday life. Recognising this, the Australian Government has recently announced a National AI Plan alongside broader proposals for national AI standards, a dedicated Office of AI and increased investment in AI safety and governance. The Government says its vision is to ensure that AI “serves Australians, not the other way around”, while supporting innovation, productivity and economic growth. It has also acknowledged that the benefits of AI should be shared broadly across the community and that diverse voices must be included in shaping Australia’s AI future. While much of the public discussion focuses on economic growth, technological innovation and managing risk, another conversation deserves equal attention: ensuring older Australians have a meaningful role in shaping technologies that will increasingly influence their healthcare, aged care services, financial security and independence. AI is rapidly transforming how we live, work, access healthcare, manage finances and connect with others. Yet as governments, technology companies and researchers race to shape Australia’s AI future, one important group is often missing from the conversation: older Australians. This is particularly concerning given that Australians aged over 65 are one of the fastest-growing population groups and are among those most likely to be affected by AI-driven changes in healthcare, aged care, banking, government services and online safety. Research increasingly suggests that older adults do not want AI designed for them. They want it designed with them. Older Australians Are Not “Technologically Challenged” A common misconception is that older people struggle with technology and are therefore less interested in emerging innovations such as AI. However, research paints a very different picture. Many older adults are curious

about AI, motivated to learn and keen to understand how these technologies may affect their lives. The challenge is not a lack of interest. Rather, it is that older Australians are frequently excluded from design and consultation processes despite being major users of AI-driven services. As Australia develops its National AI Plan, this presents an important opportunity. If the Government genuinely intends for AI to serve all Australians, older people must be included in conversations about how AI is designed, governed and implemented. The Risk of Designing AI Without Older Voices AI systems learn from data. If older people are underrepresented in the data used to train these systems, the technology may not recognise or respond appropriately to their needs. Older adults are often underrepresented in AI training datasets and technology design. This can contribute to bias and may reduce the effectiveness of AI-powered healthcare tools and support services. When older people are not involved in design processes, developers risk creating solutions based on assumptions rather than lived experience. This issue becomes increasingly important as governments and organisations explore using AI within healthcare, aged care and public services. Decisions made today may influence how older Australians access services for decades to come. Older Australians Want Consultation, Not Just Protection Public discussions about AI often focus on protecting older people from scams, misinformation and digital exclusion. While these concerns are important, they are only part of the story. Research participants involved in AI consultation studies expressed a strong desire to help shape the future of AI. They wanted input into: • •

What AI technologies are developed How personal data is collected and used

• • •

How AI is regulated and governed What safeguards are needed to prevent misuse How AI can support independence, health and wellbeing

Participants also emphasised the importance of transparency and informed consent when AI is used in healthcare and aged care settings. This aligns closely with Australia’s new National AI Plan, which recognises the importance of ensuring AI benefits all Australians and highlights the need to include communities that may otherwise be overlooked as technology evolves. The Growing Threat of AI-Enabled Scams One area where older Australians are particularly affected is online fraud. AI-generated phishing emails, voice cloning, fake news stories and deepfake videos are becoming increasingly sophisticated. Older Australians are often targeted because scammers perceive them as having accumulated savings and being more trusting of authority figures. Rather than being viewed solely as victims, many older adults believe they should be involved in discussions about scam prevention and digital safety. Some experts suggest AI itself may become part of the solution by helping users identify fraudulent content before harm occurs. Their experience and insights are valuable and should not be overlooked. Building AI Literacy Among Older Australians One encouraging finding from recent research is that older adults are eager to learn about AI when education is practical, accessible and delivered through trusted community settings. Australia’s National AI Plan also includes measures aimed at strengthening digital and data skills across the community, recognising that participation in an AI-enabled future requires access to education and learning opportunities. Several existing programs already help support digital confidence among older Australians: Be Connected A nationally funded Australian Government initiative providing free digital skills training and community learning opportunities.

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Community Technology Classes Libraries, neighbourhood houses and community organisations offer local technology support and training. Public Library Programs Many libraries provide one-onone support covering computers, smartphones, internet safety and digital confidence. University of the Third Age (U3A) Many U3A branches offer courses in computers, online safety and emerging technologies designed specifically for older learners. Looking Ahead Australia is investing heavily in artificial intelligence and has now committed to a National AI Plan, AI safety initiatives, a future Office of AI and the development of national standards. Decisions made today will influence how Australians live, work and access services for decades to come. This creates a rare opportunity to ensure that older Australians are not simply recipients of AI but contributors to its future. Older Australians bring decades of lived experience, wisdom and practical insight. They understand what supports independence, dignity, safety and wellbeing because they live those realities every day.

The question is no longer whether older Australians can adapt to AI. The real question is whether policymakers, researchers and technology companies are willing to listen. If Australia wants AI systems that are fair, inclusive and responsive to community needs, older Australians must be recognised not merely as users of technology, but as partners in its design. Questions for Readers We would love to hear your thoughts: • Have you used AI tools such as ChatGPT, Copilot, Siri or Google Gemini? • What excites you most about AI? • What concerns you most about AI? • What support would help you feel more confident using AI? • Should older Australians have a say in how AI is used in healthcare and aged care? • Would you trust AI to assist your doctor or aged care provider? • Have you or someone you know encountered an AI-generated scam, fake voice call or deepfake? • What safeguards would you like the Australian Government to put in place • If you could help shape Australia’s National AI Plan, what would your top priority be?

As Australia develops its AI future, perhaps the most important question is this: How can we ensure older Australians are not only protected by AI, but actively involved in shaping it? Further reading: •

Wherever AI is heading next, older people want a say

•

We Should Include Older Adults in Medical AI Design - University of Melbourne [pursuit.un...elb.edu.au]

•

Monash University: AI for Older Australians in Aged-Care Facilities [research.monash.edu]

•

Australian Aged Care Technologies Collaborative [griffith.edu.au]

•

Government announces longawaited national AI plan | SBS News

•

Australia is changing course on AI — but key questions remain | SBS News | SBS News

•

Be Connected - Every Australian online

•

Improving digital skills for older Australians | Department of Social Services

•

New Library Program Keeps Seniors Connected In Digital Age | Premier

•

Home - U3A Network Victoria

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NOT-FOR-PROFIT OF AUGUS Yarrunga Community Centre – where community grows

Tucked between suburbia and Yarrunga Reserve, Yarrunga Community Centre is a place to find friends, a great coffee, a listening ear, or an opportunity to participate in a range of activities or learn something new. Yarrunga means “beneath tall trees” and evokes images of people gathering together in a central community space. In fact, Yarrunga’s very existence is owed to the local community gathering and lobbying local government for badly needed shared space and facilities and, for nearly 30 years now, Yarrunga Community Centre has quietly stitched together small moments into a bigger fabric of community life.

Volunteers are the Centre’s backb welcome locals to come and get in Volunteers provide governance, hel hub and the vege garden, and help are long term residents who have a local knowledge, but new-to-the-are often provide a different perspective a quiet reciprocity here: those who com themselves, and the act of giving bac

The Yarrunga Coffee Hub is a mode in the commercial sense; but it is a p friends, to exchange news, and to environment that surrounds the Ce and is also used regularly as a train barista skills. Regulars will tell you t on the decking with a view of the class or a walk, and newcomers fin

Partnerships extend the Centre’s rea works alongside local council to h and initiatives, supports many local hire, contributes meals to the Winter and provides affordable spaces fo celebrate life’s special occasions. strengthen the wider community Centre remains closely aligned to

The Centre itself takes full advantage of its beautiful bush surrounds. Large windows overlook the lake and surrounding bushland, while a spacious deck runs the length of the building. Whether you’re participating in a class or enjoying a coffee, the views create a genuine sense of connection to nature. The Centre offers fitness classes, adult education, social groups, community education, facility hire and an ever-growing coffee hub — but what makes Yarrunga truly special is its ability to bring people together. Classes are small and patient, led by tutors and volunteers who know how to listen and adapt. Many programs are expressly designed for older adults, carers, families and others for whom larger mainstream institutions and organisations often feel uncomfortable, cold and isolated. The Centre keeps practical community needs in focus, continually adapting its programs and in response to changing local needs.

Their mission is summed up by the wo Learn and Thrive. One of their bigg people – to each other, to activities skills, to assistance, all of which help environment which is often changing keep up with. They provide a plac who you are, a place where you fee and belonging. A place where you for who you are or have to prete

Community centres like Yarrunga pla important role in a world where ma more time online than they do with th around them. Flexible work, busy liv costs, an ageing population and ra in technology have changed the w with one another. While these chang benefits, they can also leave people or unsure where they belong. Place provide something that can't be d delivered online — genuine huma casual conversation over coffee, le others, sharing skills, or simply bei name may seem like small things the foundations of stronger me resilience and a neighbourhood w

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bone. They always encourage and nvolved – after all, this is their Centre. lp run social groups, run the coffee p in the office. Many of the volunteers a myriad of experience, stories and ea locals and younger people can and their input is invaluable. There’s a me for support often become helpers ck becomes another way to belong.

est but mighty feature. It isn’t a café place to get a great coffee, to meet o feel connected with the natural entre. The Hub is run by volunteers, ning centre for those wishing to learn that the best conversations happen e water, where friends meet after a nd their place among friendly faces.

ach well beyond its walls. Yarrunga help deliver community workshops l businesses through regular facility Shelter community meals program, or local residents to These partnerships while ensuring the o community needs.

ords Connect, Engage, gest drivers is to link s, to knowledge and p people thrive in an g faster than they can ce where people know el a sense of welcoming never have to apologise end in order to fit in.

ay an increasingly any people spend he people living ves, rising living apid advances way we interact ges bring many feeling isolated es like Yarrunga downloaded or an connection. A earning alongside ing recognised by s, but they are often ental wellbeing, greater where people support one another.

Community centres also provide value in ways that are not always obvious. By supporting volunteers, helping people build confidence and skills, reducing social isolation and providing affordable activities close to home, they contribute to healthier communities and reduce pressure on other services. They offer an accessible first point of contact for people who may not know where else to turn, connecting them with information, support and opportunities that improve quality of life. As communities continue to evolve, so too does Yarrunga. New programs emerge in response to changing needs, technology becomes another tool for learning rather than a barrier, and partnerships continue to grow. Yet despite these changes, the Centre's purpose remains remarkably consistent: to create opportunities for people to belong, contribute and feel that they are part of something bigger than themselves. In many ways, Yarrunga is less about buildings or programs than it is about creating the conditions in which community can flourish. For anyone new to the area — or anyone who wants to reconnect — Yarrunga Community Centre has a simple invitation: drop in, stay for a chat, see what’s on the noticeboard. Whether you come looking for a class, a good coffee, new skills, or simply a friendly face, you’ll likely leave with something you weren’t expecting: a story, a new friend, or the quiet comfort of belonging to a place that understands how ordinary, shared moments make a neighbourhood into a community.

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Ralph is a large but sweet boy who is looking for a committed and experienced large dog owner. He was transferred to us from another shelter after spending 12 months there, with zero adoption interest. Ralph would be best suited to an adult-only, single-dog household where he can be the sole focus. Due to his size and strength, he will need a confident handler who is comfortable managing large dogs. He can be strong on lead, but he is currently learning to walk on a Halti, which is helping to make his walks more manageable. Ralph would thrive in a calm home with an owner who understands his independent nature, and he will reward his new family member with lots of love and sweetness.

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UNDERSTANDING THE TRANSFER BALANCE CAP – CAN YOU STILL CONTRIBUTE TO SUPER? RETIREMENT By Warren Strybosch

For many Australians approaching or enjoying retirement, one of the most misunderstood superannuation rules is the Transfer Balance Cap (TBC). Many people believe that once they reach the cap, they can no longer contribute to superannuation. In reality, the rules are a little more complicated. Understanding the difference between the Transfer Balance Cap and your Total Super Balance (TSB) can help you avoid costly mistakes and identify opportunities to continue building your retirement savings. What is the Transfer Balance Cap? The Transfer Balance Cap is the maximum amount of superannuation that can be transferred from an accumulation account into a tax-free retirement income stream (accountbased pension). For the 2025-26 financial year, the general Transfer Balance Cap is $2.0 million. Due to indexation, it increased to $2.1 million from 1 July 2026 for people commencing a retirement income stream for the first time, although many retirees will have their own personal Transfer Balance Cap based on when they first started a retirement pension. Importantly, the Transfer Balance Cap does not limit how much super you can own. It simply limits how much can receive the tax advantages of being in the retirement (pension) phase. For example: • You may have $2.8 million in super. • You can only transfer up to your personal Transfer Balance Cap into a tax-free pension. • The remaining balance stays in an accumulation account, where earnings continue to be taxed at a maximum rate of 15%. Does reaching the Transfer Balance Cap stop you from contributing?

If your Total Super Balance is $2 million or more (2025-26) If your Total Super Balance was $2.0 million or more on 30 June 2025, you generally: • • • •

Cannot make non-concessional (after-tax) contributions. Cannot use the bring-forward rule. May still receive compulsory employer Super Guarantee contributions. May still make concessional (before-tax) contributions, subject to the annual concessional contribution cap and eligibility requirements.

This is where many retirees become confused. You may still be able to make concessional contributions Even if your Total Super Balance exceeds $2 million, you can generally still receive: • Employer Super Guarantee contributions • Salary sacrifice contributions • Personal deductible contributions These count towards your annual concessional contributions cap (subject to eligibility and any applicable rules). Who cannot make after-tax contributions? Generally, you cannot make non-concessional contributions if: • Your Total Super Balance equals or exceeds the General Transfer Balance Cap at the previous 30 June. • You have already exceeded your available nonconcessional contribution cap. • You do not satisfy other contribution eligibility requirements. This rule catches many people by surprise because they assume they can always add more after-tax savings into super. Common misconception A common statement is: “I’ve reached the Transfer Balance Cap, so I can’t contribute to super anymore.” This isn’t always correct.

Many people confuse the Transfer Balance Cap with the rules governing superannuation contributions.

A person may have: • Reached their Transfer Balance Cap, • Be receiving a retirement pension, • Yet still be eligible to receive employer contributions or make concessional contributions.

Whether you can contribute depends primarily on your Total Super Balance (TSB) at 30 June of the previous financial year, not whether you have reached your Transfer Balance Cap.

Conversely, another person may never have started a pension but still be unable to make after-tax contributions because their Total Super Balance exceeds the relevant threshold.

Not necessarily.

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Source • Australian Taxation Office – Concessional Contributions Cap Australian Taxation Office – Super contribution caps • Vanguard Australia – Transfer Balance Cap Explained • Commonwealth Superannuation Corporation – Transfer Balance Cap Overview

The two rules are related, but they serve different purposes. Why professional advice is important The interaction between: • Transfer Balance Caps • Total Super Balance • Contribution caps • Carry-forward concessional contributions • Downsizer contributions • Spouse contributions

Warren Strybosch Award Winning Financial Adviser

Pension commencement strategies can become quite complex. Making the wrong contribution may result in excess contribution determinations, additional tax, or the need to withdraw contributions. Professional advice can help ensure you maximise the tax benefits available while remaining within the superannuation rules. How Find Retirement can help At Find Retirement, we help Australians understand the often confusing superannuation rules and develop strategies that maximise retirement income while remaining compliant with Australian legislation. Whether you’re approaching retirement, commencing a pension, or wondering whether you can still contribute to super, obtaining professional advice can help you avoid costly mistakes and make the most of your retirement savings.

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 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.

Congratulations! The finalists for the 2026 Australian Wealth Management Awards have been revealed.

Warren Strybosch

Founder/Managing Director - Find Group of Companies

Finalist in • ADVISER OF THE YEAR – PERSONAL ADVICE Find Wealth Pty Ltd t/as Find Retirement

• INNOVATOR OF THE YEAR – FINANCIAL ADVICE Find Pty Ltd t/as Find Wellbeing

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These grandfathering provisions have been outlined by Challenger Technical Services and align with the Government’s implementation of the Aged Care Act reforms. Why Does Grandfathering Matter?

Is Your Client Grandfathered Under the New Residential Aged Care Rules? AGED CARE By Warren Strybosch

Australia’s aged care reforms introduced significant changes to how residents contribute towards the cost of residential aged care from 1 November 2025. While many people entering care after this date are subject to the new fee structure, others may qualify for valuable grandfathering provisions that preserve aspects of the previous rules. Understanding whether a client is fully grandfathered, partially grandfathered, or not grandfathered at all can have a significant impact on their ongoing costs and long-term financial position. Information regarding residential aged care fees and means testing is available through the Australian Government’s Department of Health, Disability and Ageing, Services Australia, and My Aged Care. What Does Grandfathering Mean? The aged care reforms separate grandfathering into two distinct areas: • Accommodation payments • Ongoing care costs A client may qualify for protection under one or both of these categories. Generally speaking: • Individuals who entered permanent residential aged care before 1 November 2025 will continue under the previous arrangements for both accommodation payments and ongoing care fees. • Clients who were approved for a Home Care Package on 12 September 2024 but do not enter residential care until after 1 November 2025 receive only partial grandfathering. They retain the previous rules for ongoing care costs but not accommodation payments. • Clients who did not meet either of these criteria will generally be assessed entirely under the new fee arrangements.

Being grandfathered can provide several financial advantages. For accommodation payments, grandfathered residents: • are not subject to retention amounts deducted from refundable accommodation deposits (RADs); and • are not affected by future Daily Accommodation Payment (DAP) indexation. For ongoing care costs, grandfathered residents continue under the existing means-tested care fee arrangements rather than becoming subject to the newer Hotelling Contribution and Non-Clinical Care Contribution introduced under the reforms. Depending on a person’s income and assets, this difference can represent many thousands of dollars over the course of their stay in residential aged care. Services Australia continues to assess residents’ income and assets for aged care purposes, while the Department of Health determines the fee framework that applies under the legislation. Situations That Often Cause Confusion Many people assume they lose grandfathering if paperwork or payments occur after 1 November 2025. In most cases this is not correct. For example, a resident who entered residential care before 1 November 2025 remains grandfathered even if: • their means assessment is completed after that date; or • they pay their lump sum accommodation payment after 1 November 2025. The important factor is generally when permanent residential care commenced, not when administrative requirements are completed. Can Grandfathering Be Lost? Yes. A resident may lose some or all grandfathering protections in certain circumstances. Examples include: • leaving residential care for more than 28 days (excluding approved leave such as hospital leave); • voluntarily electing to cease grandfathering for ongoing care costs; or • changing residential aged care facilities after giving up grandfathering for ongoing costs. These situations should always be carefully considered before making decisions about changing facilities or care arrangements, as they may permanently affect the fees payable.

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AUGUST 2026 Case Study – Why a Historical Home Care Package Approval Matters John, aged 83, has lived independently for several years. In September 2024 he was approved for a Level 4 Home Care Package, although he never commenced services because his family was able to provide the support he needed.

At Find Retirement, we help clients understand how the aged care rules apply to their individual circumstances and work alongside families to develop strategies that support both affordability and peace of mind. Sources •

Australian Government Department of Health, Disability and Ageing. Residential Aged Care Fees and MeansTested Contributions. https://www.health.gov.au/ourwork/residential-aged-care/charging/means-tested-fees

•

Services Australia. Residential Aged Care Means Assessment. https://www.servicesaustralia.gov.au/ residential-aged-care-means-assessment

•

My Aged Care. Residential Aged Care Information. https://www.myagedcare.gov.au

•

Challenger Technical Services. Is My Client Grandfathered for Residential Care? June 2026.

In early 2027, John’s health declines and he decides to enter permanent residential aged care. Because he was approved for a Home Care Package on 12 September 2024, John qualifies for partial grandfathering. This means: • his accommodation payment will be assessed under the post-1 November 2025 rules because he entered residential care after that date; however • his ongoing care costs continue under the previous means-tested care fee arrangements instead of the new contribution framework. Now compare this with Margaret, who has almost identical assets, income and care needs, and enters the same residential aged care facility on the same day. Margaret was never approved for a Home Care Package before the reforms.

Warren Strybosch Award winning Financial Adviser

Although their financial circumstances are virtually identical, Margaret is assessed entirely under the new fee structure and may pay significantly higher ongoing care costs throughout her stay. This example demonstrates why reviewing a client’s historical Home Care Package approval can be an important part of aged care planning. Planning Opportunities For advisers and families, determining whether a client is grandfathered should be one of the first questions asked when planning an aged care strategy. It is important to review: • when permanent residential aged care commenced; • whether the client was approved for a Home Care Package on 12 September 2024; • any breaks in residential aged care; • whether future transfers between facilities are likely; and • the long-term financial implications before making any decisions. Small details can make a significant difference to the fees a resident pays over many years. In Summary The aged care reforms have introduced a more complex fee system, making it increasingly important to establish exactly which rules apply to each individual. Grandfathering provisions can substantially reduce ongoing costs for eligible residents, but eligibility depends on specific dates and circumstances. Before entering residential aged care—or changing providers—it is worth obtaining professional financial advice to ensure valuable grandfathering benefits are not unintentionally lost.

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 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.

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Height Safety Insurance Brokers Trust the insurance experts in covering your business against risks and losses. Let us create a specialised program for you to ensure any overlooked issues are covered. If you’d like us to handle insurance renewal get in touch with our friendly team. We also offer free assessments of your current program so you can make an informed decision for your business’ wellbeing.

www.heightsafetyinsurancebrokers.com.au 0418 300 096 | sales@heightsafetyinsurancebrokers.com.au Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797.

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findmaroondah.com.au PROFESSIONAL SERVICES

General Insurance We specialise in the following: • Biz Pack Insurance • Landlord Insurance • Public Liability Insurance • Professional Indemnity Insurance.

We DO NOT provide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents • Caravan • eBikes

We work with only the most reputable insurers to bring you a range of insurance options for you to choose from:

When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

Visit us Here

Mercantile Legal are a unique Commercial Law firm practising in all states of Australia, with offices in Melbourne, Sydney and Brisbane. SERVICES • Debt Recovery

• Family Law

• Litigation

• Contracts

• Insolvency

• Will and Estates

• Property Law

• Intellectual Property

• Restructuring

• Compliance and Governance

CONTACT US MELBOURNE OFFICE Level 40, 140 William Street, Melbourne, Australia | 03 9098 8750 Sydney Office MLC Centre, Level 57, 19-29 Martin Place, Sydney, Australia | 02 9211 9980

Brisbane Office Astor Centre, Level 11, 445 Upper Edward Street, Spring Hill, Australia | 0422 114 300

Dean Bosman

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HELPING TO PROTECT YOU AND YOUR FAMILY At Find we can help you find the ‘right’ personal insurance. Our aim is to help you obtain and retain the personal insurances that are appropriate for you and at cost that you can afford.

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

When your insurance are in place, our services do not stop there. We will provide you with an after care service that includes policy notifications, insurance report, help desk, reviews and help at claim time. We provide ourselves in providing honest advice that you can rely on.

warren@findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134

www.findinsurance.com.au

1300 88 38 30

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Alliance Wealth Pty LTD ABN 93 161 647 007 No. 449221

INDEX LOCAL TRADIES SERVICES • Coffee Machine Machine -- 00 • Garage Doors ---------------------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

ADVERTISE HERE

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findmaroondah.com.au PROFESSIONAL SERVICES

Melbourne’s Best Kept Parenting Secret Einstein once said: “We cannot solve our problems with the same level of thingking we created them. Likewise we cannot solve our current issues for the generations today with the same thinking, rules and conditioning of the past!

Disrupt your thinking and empower yourself with a Leadership Mindset today for the generations of tomorrow! Call Now 0432 848 418

Leadership and Parenting Disruptor Lesley Banton 0432 848 418 | www.theparentwhisperer.com.au

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS •

FIRST HOME BUYERS

•

INVESTMENT LOAN

•

COMMERCIAL LOANS

•

STANDARD VARIABLE & FIXED RATE LOANS

•

HONEYMOON LOANS

•

BRIDGING LOANS

•

INSURANCE

•

DEVELOPMENT FINANCE

Get the Mortgage You Deserve reece@shlfinance.com.au 0478 021 757

REECE DROSCHER MORTGAGE BROKERING

www.shlfinance.com.au 2/3 Ringwood Street, Ringwood VIC Australia 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.

Helping you create, protect and grow your wealth. We offer the following services: Retirement and Pre-retirement Planning

Wealth Creation and Investment Advice

Self-Managed Superannuation (SMSF) Advice

Personal Risk Insurance

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

erryn@cherrywealth.com.au 1300 557 144

Postal Address: PO Box 657, Croydon VIC 3136

www.cherrywealth.com.au

Erryn Langley Director and Financial Adviser - GradDipFinPlan Authorised Representative No 1269525

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37 LOCAL TRADIES | HOME & GARDEN AUGUST 2026 | FIND MAROONDAH

TRADIES - FREE ADVERTISING Are you a Tradie? Need referrals? Consider joining the Find Maroondah Network group. Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

BUSINESSES Do you provide Home and Garden services in the Maroondah region? Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au

INDEX PROFESSIONAL SERVICES • Gutter Protection ------------------ 00 • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00

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HEALTH & BEAUTY

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BUSINESSES

Do you provide Health and Beauty services in the Maroondah region? Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 35 • Swen Pouches ---------------------- 00 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

DR JOANNA STRYBOSCH ADVANCED PAEDIATRIC OSTEOPATH & LACTATION CONSULTANT

The Melbourne Therapy Centre

PROVIDING PERSONAL & CARING SUPPORT

221 Wonga Road Warranwood VIC 3134 Phone: +61 3 98 76 3011 Mobile: +61 400 049 410 joanna@osteolc.com.au | www.osteolc.com.au

FOR YOU & YOUR BABY

OSTEOPATHY

LACTATION CONSULTING

Osteopathy in Australia is a government registered, allied health profession. Osteopaths focus on improving the function of the neuro-musculoskeletal system (bones, muscles, nerves and connective tissues) to optimise health and well-being.

IBCLC lactation consultants are recognised around the world as the experts in lactation care. They provide evidencebased knowledge to assist mothers to establish and maintain breastfeeding. As professionals, they are charged with promoting, protecting and supporting breastfeeding.

Joanna is highly qualified and experienced in the osteopathic assessment and treatment of babies and infants.

Joanna can help with a broad range of lactation consulting services, including: •

She can assist with the following assessments: • • • •

Gross motor development (milestones) Primitive reflexes Tongue function and it’s relation to sucking skills Biomechanics of the jaw and mouth

LEARN MORE

• • • •

Teaching a new mum how to hold and position her baby to breastfeed Assess the suck, swallow and breathing of an infant Assess for tongue function and determine any evidence of restriction (tongue tie) Pre and post-frenectomy breastfeeding support Help increase or decrease milk supply

LEARN MORE

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Discover more Discover more

Discover more

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HEALTH & BEAUTY

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The Winter

0473 039 661 somethingsimplymade@gmail.com www.instagram.com/somethingsimplymade

findmaroondah.com.au

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SPORTS AUGUST 2026 EDITION

FREE ADVERTISING

FOR YOUR SPORTING CLUBS In-Kind Sponsorship with Find Maroondah Community Paper We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sports. For more information contact: Warren on 1300 88 38 30 or Email: editor@findmaroondah.com.au

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SPORTS

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AUGUST 2026 EDITION

SPORTS

AUGUST 2026 EDITION

SPORTS

AUGUST 2026 EDITION

Ringwood Bowls Club Inc.

https://www.ringwoodbowls.com.au/

clubsec@ringwoodbowls.com.au

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AUGUST 2026

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

Maroondah 1300 88 38 30 editor@findmaroondah.com.au

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Religious Groups and Churches

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Do you have an upcoming events? Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at www.findmaroondah.com.au/nfp-free-advertising

or you can email the ad to the editor@findmaroondah.com.au and we will do the rest for you.

Hope City Church About us Hope City is a community partnering with Jesus to see His Church grow and to see people encounter God’s presence and be transformed by His Spirit and Word. We look to empower every believer in God’s purpose for their life so that the 7 Mountains of society will be impacted by God’s kingdom. We see a Church where every person experiences the goodness of God in their lives through energetic praise and intimate worship.

Our Online Services Sunday 10am and 6pm

51 Lusher Rd, Croydon VIC 3136 +61 39761 6778

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Religious Groups and Churches

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Ringwood Church of Christ is a community of believers that love God, love others and love our community. Our services and ministries reflect a wide and generous orthodoxy, and involve people from all walks of life. We seek to live out the gospel in the city of Maroondah in practical and transformational ways.

Ringwood Church of Christ

Services 10 AM Sundays – main worship service Also streaming on Facebook Live

13 Bedford Rd, Ringwood VIC 3134 +61 39870 8169

Canterbury Gardens Community Church Our Mission Why do we exist? We are a church that desires to be Jesus CENTERED (Galatians 2:20), to DISCIPLE (Ephesians 4:16) each other to love God and others and deploy every follower of Jesus to be on MISSION (Acts 1:8) wherever He has placed us.

Services 9:00AM service and 10:30AM family service Night service monthly 5pm

281-283 Colchester Rd, Kilsyth South VIC 3137

www.ringwoodchurch.org.au

+61 39720 7121

RINGWOOD COMMUNITY CHURCH CROYDON HILLS & WONGA PARK ANGLICAN CHURCH

Connecting People With God And One Another Services: •

9am Service at St Marks Wonga Park, cnr of Toppings Rd and Yarra Rd Wonga Park

•

Connecting People With God And One Another Services: Sunday 10 AM

Livestreamed: myrcc.co/live Activities for all - children, youth, families, adults, senior

10:39 am at St James Croydon Hills , 21-23 Bemboka

1 Tamar St, Ringwood VIC, 3136

Rd Croydon hills

(03) 9870 0102

0417679682 (03) 9876 2600 AUGUST 2026 | FIND MAROONDAH

Birth, Deaths & Marriages AUGUST 2026

FREE Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! Maroondah 1300 88 38 30 editor@findmaroondah.com.au

Maroondah Getting to know

Exploring our Past & Present

A Guide to local parks, Culture, and Community

Historic WALKS

Discover the rich history, scenic beaut, and charming communities of Maroondah through self-guided trails. Alto Heritage Walk Experience the beauty and history of Croydon on the Alto Heritage Walk, a scenic 2.8 km selfguided trail that winds through historic landmarks, charming streets, and picturesque bushland. Enjoy breathtaking views across the Yarra Valley while uncovering fascinating stories of the pioneers, orchards, and communities that helped shape Maroondah. Perfect for history enthusiasts, nature lovers, and anyone seeking a relaxing outdoor adventure.

Croydon Central Heritage Walk Step into the heart of Croydon and uncover the stories that shaped this vibrant community. The Croydon Central Heritage Walk takes you past historic buildings, charming streetscapes, and significant landmarks, offering a fascinating glimpse into the town's rich past. Perfect for history lovers and curious explorers, this self-guided walk invites you to experience Croydon's heritage while enjoying its welcoming cafés, local shops, and relaxed village atmosphere.

Croydon Hills Historic Walk Step back in time on the Croydon Central Historic Walk, where charming heritage buildings, historic landmarks, and vibrant streets reveal the story of one of Melbourne's most welcoming suburbs. Stroll at your own pace, discover fascinating local history, browse boutique shops, and relax at nearby cafés for a memorable day out in the heart of Croydon.

Healthmont Historic Walk Step into the heart of Heathmont and uncover its rich local history on the Heathmont Historic Walk. Wander through charming streets, discover fascinating heritage sites, and learn the stories that shaped this welcoming community. It's the perfect self-guided adventure for history enthusiasts, families, and visitors looking to experience Maroondah's unique character at their own pace.

Ringwood East Historical Walk Discover the rich heritage of Ringwood East on this enjoyable self-guided historic walk. Wander through leafy streets as you uncover fascinating stories of the suburb's early pioneers, historic landmarks, and community heritage. building iconic Blood Bros.t. PREMIER STORES: The trading pos l tra cen a 1, 192 in

COMMUNITY HEART: The dedicated in 1928, Ringwood Clock Tower, a proud landmark .

Whether you're a history enthusiast, local explorer, or first-time visitor, the Ringwood East Historic Walk provides a memorable journey into the area's unique past and vibrant character.

Combining history, nature, and local charm, the walk offers a relaxing way to experience one of Maroondah's hidden gems. MID-CENTURY CHARM: The bustling main street of Ringwood East in the 1950s, showing the Butcher Shop and Post Office.

Maroondah Federation Estate

Maroondah Federation Estate is one of Ringwood's most treasured heritage and community precincts, offering a unique blend of history, culture, arts and recreation. Originally established as the site of the historic Ringwood Primary School in the late 1800s, the beautifully preserved buildings have been transformed into a vibrant community hub that celebrates the region's rich heritage. Today, the Estate is home to local arts groups, community organisations, exhibitions, workshops and cultural events

throughout the year. Visitors can explore the heritage buildings, enjoy rotating art displays, participate in creative programs, or simply relax in the peaceful gardens and open spaces. With its welcoming atmosphere and strong community focus, Maroondah Federation Estate provides a place where history comes alive, creativity flourishes, and people of all ages can connect, learn and celebrate the diverse spirit of the Maroondah community.

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