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09 Columnist article Warren Strybosch - Accountant

Father’s Day in Maroondah: Celebrate Dad, Your Way

16 Maroondah Council news

By Joe Lam

This Father’s Day, celebrate the dads, grandfathers and father figures who make every day a little brighter. From family outings and delicious meals to thoughtful gifts and simple moments together, discover wonderful ways to make Dad feel appreciated across Maroondah.

Read full article on page 4.

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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 October 9, 2026. Advertising and Editorial copy closes Friday September 8, 2026.

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By Joe Lam

Father’s Day in Maroondah: Celebrate Dad, Your Way Father’s Day is a wonderful opportunity to pause, say thank you and celebrate the dads, grandfathers, stepdads and father figures who make a difference in our lives. This year, Father’s Day falls on Sunday, 6 September 2026, and Maroondah offers plenty of ways to make the day special — whether Dad loves a big family celebration, a quiet morning outdoors or simply some well-earned time to himself. Make It a Family Day For families looking to enjoy the day together, Ringwood Lake Park is a great place to start. The spacious 8.5-hectare park features a lake, walking circuit, picnic shelters, barbecues and a playground, making it easy to pack a picnic, bring the kids and spend a relaxed morning together. If Dad enjoys good food and a lively atmosphere, Maroondah has plenty of dining options. Families could share a meal at Hunter & Barrel Ringwood, enjoy a casual family outing at Croydon Park before or after lunch, or head to Eastland’s dining and entertainment precinct. Eastland also offers family activities such as bowling and movies, giving everyone something to enjoy.

A peaceful walk through a local park, a quiet coffee, a round of golf or simply sitting somewhere with a favourite book can be just as meaningful. For dads who enjoy discovering local brews, 8 Track Brewery in Ringwood offers a laid-back option for spending some time with friends. 2ELEMENTS Restaurant Ringwood is another option for those who enjoy a hearty meal and a social atmosphere. The Coach in Ringwood is also advertising a Father’s Day event for 6 September 2026, giving sports-loving dads another local option to consider. Gifts That Come From the Heart Of course, Father’s Day would not be complete without a thoughtful gift. Families might consider a new wallet, shirt, watch, barbecue accessories, tools, books, coffee equipment or something connected to Dad’s favourite hobby. Maroondah shoppers can also explore local gift businesses such as Amora Cards And Gifts or madelocally for something a little more personal.

For a relaxed meal closer to home, Julia's in Ringwood North or Ora D'oro in Croydon can also be considered. The key is not necessarily where you go, but having the time to sit together, share stories and enjoy each other’s company.

But some of the best gifts cannot be wrapped. Cook Dad his favourite breakfast. Write him a heartfelt letter. Take him for a walk. Listen to his stories. Give him a day without chores. Or simply tell him, “Thank you for everything you do.”

A Little Time for Dad Himself

This Father’s Day, celebrate Dad in a way that feels genuine. Whether it is a family lunch, an afternoon adventure or a quiet moment together, the greatest gift may simply be reminding him that he is loved, appreciated and never taken for granted.

Father’s Day does not always have to mean a busy family itinerary. Some dads may appreciate a few hours to themselves.

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Is vitamin B6 safe?

NATUROPATHY By Kathryn Messenger

You may have heard of vitamin B6 being in the spotlight lately, as an overdose can cause peripheral neuropathy. The symptoms of this include numbness and pain in the limbs and healing can be slow. An overdose usually occurs when someone is taking multiple supplements, or food products that have added B6. But the answer is not as simple as limiting B6, let me explain: There are different forms of B6, just like there are different types of dwellings: caravans, bungalows and houses. Imagine you live in a caravan and a storm causes it to roll down the road and hit a tree, causing the rain water to come pouring through the roof. There, in the middle of the night, in rain and wind, your neighbour offers shelter in their house.

It would be crazy to decide as a result of this that all types of dwellings are unsafe. The main forms of Vitamin B6 are Pyridoxine, Pyridoxamine, and Pyridoxal5-Phosphate (P5P). Pyridoxine has been shown to cause peripheral neuropathy, whilst P5P is actually protective against it. The problem with the B6 supplementation arises due to very little distinction between these different forms by the governing body in Australia (aka we don’t distinguish between the different types of dwellings, as they have been shown to be unsafe). This is seen in the labelling requirements on a B6 supplement, where B6 must be listed as the equivalent dose of Pyridoxine, even if it doesn’t contain that form of B6.

So, firstly aim to get your B vitamins from meat (red, white and fish), and if you do choose to supplement, make sure you check the form of B6, and always choose Pyridoxamine, or P5P. If you would like a safe B vitamin supplement, Whole Naturopathy can help with that, or if you’re suffering peripheral neuropathy as a result of a Pyridoxine overdose, I have successfully treated that, and would be happy to help you heal.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au Suite 1 53/1880 Ferntree Gully Rd Mountain Gate Shopping Centre Ferntree Gully, Victoria

A recent European study has found that even a low dose of Pyridoxine can cause nervous system issues in some people, however, Pyridoxamine, and P5P have been studied to find that they can heal the nervous system. SEPTEMBER 2026 | FIND MAROONDAH

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From Weeds to Woodland: How a Cr be treated to germinate successfully requires specialised knowledge and experience.

Much of this material is then passed on to community and indigenous plant nurseries, where dedicated volunteers and staff nurture it into healthy tube-stock plants. Months of work may go into growing a plant before it ever reaches a restoration site. Preparing for restoration While plants are being grown, work is also underway in the landscape itself. Before a site can be restored, it needs to be carefully assessed. Ecologists and land managers look at existing vegetation, weed infestations, soil conditions, water movement and the wildlife already using the area. Weed control is often one of the most significant challenges. In some locations, invasive species need to be managed for months before planting can begin. Planning also focuses on creating a functioning ecosystem rather than simply planting trees. A healthy creek corridor contains many layers of vegetation, from canopy trees and shrubs to grasses, sedges and groundcovers. Together, these provide food, shelter and breeding habitat for a diverse range of wildlife. Bringing the community together

Anthony Bigelow When volunteers gather along Dandenong Creek for a planting day, the focus is often on the hundreds or even thousands of plants going into the ground. It's a rewarding sight. People of all ages come together, spades in hand, helping transform open spaces into future habitat.

Once the planning and preparation are complete, community planting days make the restoration effort visible. Volunteers may be long-time environmental advocates or people joining for their very first planting event. Increasingly, corporate volunteer groups are also becoming part of the picture, bringing additional support and helping deliver projects at a larger scale.

But what many people don't see is that the real work started long before planting day arrived. Every restored patch of creekside vegetation is the result of countless hours of planning, preparation and collaboration. From seed collectors and nursery volunteers to environmental professionals, council staff, community groups, businesses and citizen scientists, many different people contribute to bringing a landscape back to life. And planting is just one chapter in a much longer story. Starting with local knowledge Successful restoration is about far more than simply planting native species. The goal is to restore the vegetation communities that naturally belong in a particular area, using plants adapted to local soils, climate and environmental conditions. That process often begins with the careful collection of seed from indigenous plants growing within the local region. Knowing which species to collect, when seed is ready and how it should

These volunteers do more than plant trees. They become part of a broader restoration effort already underway, working alongside community organisations, environmental groups and land managers.

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reekside Habitat Comes Back to Life A shared achievement

No single organisation can restore a creek corridor alone. The recovery of places like Dandenong Creek depends on the combined efforts of community groups, local councils, Melbourne Water, nurseries, environmental professionals, citizen scientists, businesses and volunteers. Each contributes something valuable, whether it's expertise, funding, monitoring, planning or hands-on work. In the end, success isn't measured by how many plants go into the ground on a single day. It's measured years later, when wildlife is thriving, indigenous vegetation is sustaining itself and people remain connected to the landscape they helped restore. That's when thousands of individual efforts come together to create something extraordinary: A living landscape, built by a community and sustained for future generations.

For many participants, it is also an opportunity to build a deeper connection with their local environment. A small shrub planted today may one day shelter a superb fairy-wren. A young eucalypt could eventually develop hollows used by parrots, possums or sugar gliders. What seems like a small action can have a lasting impact. Learning from the landscape Restoration doesn't end once plants are in the ground. Citizen scientists play an important role by monitoring birds, frogs, water quality, vegetation and other indicators of environmental health. Their observations help build a clearer picture of how the ecosystem is changing over time. Tracking which species return, thrive or remain absent helps guide future restoration decisions and ensures projects continue to improve. In many ways, restoration becomes an ongoing cycle of observing, restoring, monitoring, learning and adapting. A long-term commitment After volunteers head home, the real test begins. Some plants won't survive. Weeds return. Floods, droughts and extreme weather can all affect young vegetation. Ongoing maintenance, monitoring and occasional replanting are often required for years. Gradually, however, change begins to emerge. Plants establish and spread. Shade develops. Insects return. Birds and other wildlife find new sources of food and shelter. What was once a cleared or degraded area slowly becomes functioning habitat once again.

The next chapter in Dandenong Creek's restoration is still being written. Whether you volunteer for a day, join a citizen science project or support local environmental initiatives, your involvement can help create lasting habitat, healthier waterways and a stronger connection between people and nature. SEPTEMBER 2026 | FIND MAROONDAH

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Don’t let a scammer lodge your tax return: protecting your myGov account this tax time ACCOUNTANT By Warren Strybosch

Every year, as tax time rolls around, so does a wave of tax-related fraud. Criminals lodge tax returns in other people’s names and have the refunds paid into accounts they control. It happens far more often than most people realise, and it can happen to anyone — you don’t have to be careless or unlucky to be targeted. The reassuring news is that scammers rely on a handful of predictable tricks, and once you know what they are, they become much easier to spot and stop. The danger usually arrives as an email or text message that appears to come from the ATO or myGov, asking you to click a link, open an attachment, or call a number to “confirm” or “update” your details. It is by far the most common way accounts are compromised. The most important rule to remember is this: the ATO and myGov will never send you an unsolicited message with a link asking you to log in or hand over personal information, and they will never contact you through social media to request your details or a payment. Scammers also lean on urgency — a looming deadline, a threat, a refund you’ll supposedly lose. If a message is rushing or frightening you, treat that pressure itself as a warning sign. Before you click any link

Asked to call a number? Verify it first

Don’t assume a phone number is genuine just because the message looks official — scammers happily print fake “ATO” numbers. Type the number into a search engine to see which organisation it really belongs to; a legitimate ATO number will usually appear somewhere on the ATO website. Better still, use the “Verify” feature in the ATO app to confirm whether a call or message genuinely came from the ATO. And if you have a tax agent, a quick call to them can settle it in seconds. Lock down your myGov account Ten minutes spent on your myGov security settings is one of the best investments you can make this tax time. Consider doing the following today: •

Use a strong, unique password or passphrase that you don’t reuse anywhere else — and update it if it’s been a while.

•

Turn on the strongest sign-in method available. myGov now supports passkeys, which use your device’s fingerprint, face or PIN and are far harder to phish, alongside authenticator apps and SMS codes. Any of these adds a second layer beyond your password.

•

A suspicious link is the moment to slow down. Three quick checks will catch most fakes: •

•

Hover to reveal the real address. On a computer, hover your cursor over the link (without clicking) to see where it actually leads. Does it point to the site you expect, or to a string of random letters, numbers and an unfamiliar domain? On a phone, press and hold the link to preview it. Type the address yourself. Instead of clicking, open your browser and type the official address — such as my.gov.au or ato.gov.au — or use the official myGov or ATO app. Scrutinise the sender and the wording. Look closely at the sender’s address for odd characters, extra words or subtle misspellings of “ato” or “mygov.” Spelling errors, clumsy grammar and generic greetings in the body of the message are all red flags.

Stop your email and mobile number being used as a username. myGov’s sign-in settings let you disable these, so a scammer can’t log in with details they may already know.

•

Review your account history. myGov shows recent sign-ins and changes. If you see activity you don’t recognise, act on it immediately.

•

Secure the device itself with a PIN, password or biometrics, and keep its software up to date. Setting up a Digital ID (myID) also gives you a more secure way to prove who you are online.

How the fraud often comes to light One of the quiet warning signs is easy to miss. As tax agents, we often first notice a problem months after the event, when we go to find a client on our ATO agent portal and discover they are no longer listed there. When a fraudster takes over an account, one of the first things they do is remove the legitimate tax agent so nobody is watching.

When that happens, we contact the client to ask whether they know why they’ve been removed. If they don’t, we add them back and check whether a return has already been lodged. If one has — and it wasn’t lodged by us — it has very likely been lodged fraudulently. Unwinding it can take the ATO months, particularly where a refund has already been paid out, which is exactly why preventing the compromise in the first place matters so much. If you think something is wrong If you receive a suspicious message, or you suspect your details or myGov account may have been compromised, don’t sit on it. Acting quickly limits the damage and speeds up the fix. Who to contact Report a suspected ATO scam: call 1800 008 540. Identity or tax details already misused: call the ATO’s Client Identity Support Centre on 1800 467 033. Verify a call or message: use the “Verify” feature in the ATO app, or check the official my.gov.au and ato.gov.au websites. Have a tax agent? Tell them too — the sooner they know, the sooner they can help protect your position. There’s no better moment than now, while it’s front of mind, to update your myGov password and review your security settings. A few minutes today can save you months of stress at tax time.

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.

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SMSF Investing: Combining a Core and Satellite Approach with a Bucket Strategy Financial Planner By Erryn Langley

A Self-Managed Super Fund (SMSF) can provide greater control over your investment decisions, allowing you to tailor a portfolio to your retirement objectives and risk tolerance. One approach that many investors find effective is combining a Core and Satellite investment strategy with a Bucket Strategy. The Core of the portfolio typically consists of diversified, low-cost investments such as broad market Exchange Traded Funds (ETFs). These investments are designed to provide long-term growth while keeping costs relatively low. The Satellite component complements the core portfolio by allocating a smaller portion to specialist opportunities. This may include active fund managers, infrastructure, property securities, or thematic investments that have the potential to enhance returns or provide additional diversification. Alongside this approach, many SMSF trustees utilise a Bucket Strategy to manage retirement income needs. Rather than investing all assets the same way, funds are separated into different "buckets" based on the timeframe in which the money may be required: •

• •

Short-term bucket: Cash and defensive investments to meet income needs over the next 1 to 3 years. Medium-term bucket: Incomeproducing assets and defensive growth investments. Long-term bucket: Growth assets such as shares and ETFs aimed at generating capital growth over many years.

This structure can help reduce the need to sell growth investments during periods of market volatility, while still maintaining access to cash flow for retirement spending. When implemented correctly, combining a Core and Satellite portfolio with a Bucket Strategy can help SMSF trustees balance growth opportunities, risk management and retirement income objectives. While these strategies may assist in managing investment risk and retirement income needs, they do not eliminate

market risk and may not be suitable for all investors. Investment values can rise and fall, and the effectiveness of any strategy will depend on an investor's objectives, circumstances and market conditions. How Cherry Wealth can help Developing and managing an SMSF investment strategy involves more than simply selecting investments. It requires careful consideration of your retirement goals, risk tolerance, cash flow requirements, tax position and legislative obligations.

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 OfficeAddress:Suite4/4-6CroydonRoad,Croydon3136

At Cherry Wealth, we work closely with clients to design personalised SMSF investment strategies that align with their objectives and goals. This may include constructing a diversified Core and Satellite portfolio, implementing a Bucket Strategy for retirement income planning, reviewing investment performance, and ensuring your investment strategy remains aligned with your changing circumstances.

Postal Address: PO Box 657, Croydon VIC 3136

Whether you are considering establishing an SMSF or looking to enhance an existing fund, professional advice can help provide clarity and confidence in your investment decisions.

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

Ready to Discuss Your SMSF Strategy? If you'd like to explore whether an SMSF could be suitable for your circumstances, or review your current investment approach, contact Cherry Wealth for an initial discussion. We can help you understand your options and develop a strategy designed to support your longterm financial goals.

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/

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. SEPTEMBER 2026 | FIND MAROONDAH

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A New Chapter: Finding Hope After a Dementia Diagnosis

By Maree Smith

Receiving a diagnosis of dementia can be one of the most significant moments in a person’s life. It is common to experience a range of emotions including shock, fear, sadness, anger, uncertainty, and even relief at finally having an explanation for the changes you have been experiencing. Whatever you are feeling, it is important to know that you are not alone and that support is available. A diagnosis of dementia does not mean life is over. Many people continue to live meaningful, independent and fulfilling lives for years after diagnosis. A dementia diagnosis can take time to process. Dementia Australia encourages people to be kind to themselves and recognise that it is normal to experience strong emotions during the early stages after diagnosis. You do not need to have all the answers immediately. Taking things one step at a time can help make the journey feel less overwhelming. Learning about dementia, asking questions and seeking support can help you feel more informed and confident about what comes next. Having a diagnosis also means you can access services, supports and education designed specifically to help you live well with dementia. Remember: You Are More Than Your Diagnosis One of the most important messages shared by people living with dementia is that a diagnosis does not change who you are.

You are still: • A parent, partner, grandparent or friend. • A valued member of your community. • Someone with interests, hobbies and goals. • A person with skills, strengths and life experiences. While dementia may create new challenges, it does not take away your identity or your ability to experience joy, purpose and meaningful relationships. Dementia Australia recommends maintaining social connections and remaining actively involved in your community wherever possible. Continuing to do the things you enjoy can support wellbeing, confidence and quality of life. Consider: • Catching up regularly with family and friends. • Continuing hobbies and interests. • Attending local community groups. • Joining a walking group or exercise program. • Participating in arts, music or creative activities. • Volunteering in your community. • Attending social clubs or men’s and women’s groups. • Staying involved with cultural, spiritual or faith-based communities. Social connection helps reduce isolation and reminds us that we are part of something bigger than our diagnosis.

Talk to the People You Trust Many people worry about telling family and friends about their diagnosis. While these conversations can feel difficult, trusted family members and friends can often provide valuable emotional and practical support. Dementia Australia encourages people to consider who they would like to tell and when they are ready to have those conversations. Remember, you are in control. You decide who you tell, how much you share and when you are ready to share it. Plan Ahead While You Can While it can be difficult to think about the future, planning ahead can provide reassurance and peace of mind. Dementia Australia recommends considering: • • • • •

Advance care planning. Financial and legal arrangements. Driving assessments and transportation options. Employment considerations. Future support needs.

Planning ahead helps ensure your wishes are understood and respected and allows you to remain actively involved in decisions about your future. Where Can You Get Help? The good news is that you do not have to navigate dementia alone.

SEPTEMBER 2026 | FIND MAROONDAH 11

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Dementia Australia

Connecting Peers Program

Living Well with Dementia

Dementia Australia provides information, counselling, education and practical support for people living with dementia and their families. They offer specialist post-diagnostic support to help people adjust following a diagnosis and understand what supports may be available.

Dementia Australia’s Connecting Peers program offers one-to-one peer support by matching people with someone who has faced similar challenges. Having someone who genuinely understands can make a significant difference following a diagnosis.

Many people continue to lead rich and rewarding lives following a dementia diagnosis. The key is focusing on what remains possible rather than only on what has changed.

National Dementia Helpline

Forward with Dementia

1800 100 500

Forward with Dementia is an Australian resource specifically designed for people navigating the first year after diagnosis. It provides practical information, personal stories, strategies and guidance for living well with dementia.

•

Education and Webinars

• •

The helpline provides information, advice and emotional support for people living with dementia, carers, families and friends. Post-Diagnostic Support Program Dementia Australia offers free postdiagnostic support for people diagnosed with dementia or mild cognitive impairment. This service can help individuals and families better understand dementia, develop coping strategies and connect with local services. Dementia Support Groups Support groups connect people living with dementia and carers with others who understand their experiences. Many people find that hearing from others who have walked a similar path provides hope, practical ideas and reassurance.

Dementia Australia provides regular educational webinars and resources to help people understand dementia and learn practical strategies for maintaining independence and wellbeing. Community Health Services Your GP, specialist, allied health providers and local community health services can all play an important role in helping you manage symptoms, maintain independence and access support as your needs change.

Continue to: •

• •

Spend time with the people you care about. Enjoy activities that bring joy and purpose. Stay physically active where possible. Keep learning and trying new things. Ask for help when you need it. Stay connected to your community.

A dementia diagnosis marks the beginning of a new chapter, not the end of your story. With the right information, support and connections, it is possible to continue living with purpose, dignity and hope. Need support? Contact the National Dementia Helpline on 1800 100 500 or connect with Dementia Australia for information, education and local support services.

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Bookkeeping - Back to basics

10 Essential Bookkeeping Tips for Tradies BOOKKEEPING By Jodie Moore

As a tradie, you're likely flying solo when it comes to managing your business's books. This means you must find a balance between your core work and staying on top of your numbers. Here are 10 practical bookkeeping tips for tradies to help you stay organised and ensure your financial processes are running smoothly. 1. Use Job Numbers for Better Tracking Having unique identifiers to help distinguish one job from another reduces the risk of confusion or mix-ups. As your business grows and you take on more clients, job numbers become even more critical for tracking progress payments, and outstanding balances. You can also assign expenses to a specific job to help ensure you are charging the client correctly, increasing your profit margin. With a clear system in place, you can easily monitor which jobs have been paid and which are still pending. Job numbers also allow you to look at specific historical jobs should a client call you up with a query on a previous job you did for them or to ask for more work to be done. Everything is in one place, meaning you don’t need to go looking for it giving your client peace of mind that you can help them again.

A professional bookkeeping service will ensure that your invoices are sent out on time, payments are tracked accurately, and best practices are followed. This allows you to focus on growing your business and building relationships with clients rather than getting bogged down in paperwork. 4. Understand Your Tax Obligations As a business owner, you have a responsibility to stay on top of your tax obligations. Failing to report your income and expenses accurately could lead to fines or legal trouble. Working with a tax accountant or bookkeeper can help you keep your financial records in order and ensure you take advantage of any tax deductions available to your business. A tax accountant can also assist with preparing your tax filings, reducing stress come tax time. 5. Separate Personal and Business Expenses A key trait of financially successful tradies is discipline—both on the job and with their finances. Mixing personal and business expenses can create confusion and make it harder to track your financial performance. Open a separate bank account for your business transactions to help maintain clear financial boundaries. This simple step will make your bookkeeping more organised and reduce the risk of accidental misuse of business funds.

2. Create a Simple and Streamlined Bookkeeping System I think it is safe to say that many tradies aren’t fans of paperwork, so it’s important to create a bookkeeping system that works for you. Automate the flow of tasks from job acquisition to invoicing and payment tracking. Set up a filing system so you don’t spend half your time looking for receipts. Having a system in place means you are more likely to keep on top of your paperwork and not let it build up to the point where it becomes overwhelming to even look at.

6. Monitor Your Bank Account Regularly It’s easy to assume you have enough money in the bank, only to find out later that your account is running low. Keep a close eye on every dollar that enters and leaves your bank account. Regular monitoring helps you avoid overspending and ensures that you can manage your cash flow effectively. Always be proactive about tracking your income and expenses to prevent any surprises that could negatively impact your business. Consider what larger expenses are due within the next couple of months so you can maintain sufficient funds in your account to pay for them.

Outsource Invoicing and Accounts Management Handling accounts manually can be time-consuming and error-prone. Outsourcing your invoicing and accounts payable/receivable tasks can save you hours of admin work.

Maintain Ongoing Relationships With Your Customers The relationship with your customers shouldn’t end once a job is completed. Repeat business is often more costeffective than acquiring new customers, so stay in touch with past clients. Keep

their contact details on hand to reach out for feedback, ask for reviews, or notify them about new products or services you offer. Building lasting relationships with clients can lead to valuable wordof-mouth referrals and future work. 8. Keep Detailed Financial Reports Accurate financial reporting is the backbone of any successful business. Ensure that you maintain up-to-date balance sheets, income statements, cash flow statements, and annual reports. These documents provide valuable insights into your business’s financial health, helping you make informed decisions and plan for growth. Regularly review these reports to keep track of expenses, income, and profitability. 9. Retain Detailed Receipts for Every Transaction Receipts serve as proof of your business’s transactions and are vital for maintaining accurate records. They also come in handy when it’s time to file taxes. Keep a physical and digital copy of all receipts to ensure you can back up your financial records. Even if you use accounting software to track your expenses, having physical receipts as backup can help avoid complications in case of a dispute or audit. 10. Consider Outsourcing Your Bookkeeping and Accounts If you’re serious about growing your business, outsourcing your bookkeeping tasks can free up valuable time and reduce stress. Professional bookkeepers can help you manage all aspects of your finances—from tracking income and expenses to preparing reports and handling payroll. By delegating these tasks, you can focus on what you do best—delivering high-quality work to your clients—while ensuring that your finances are in expert hands. It will likely take a bookkeeper a lot less time than it takes you to manage your finances. But it is also important that you understand your finances and not just hand it all over and forget about it. Final Thoughts Bookkeeping might not be the most glamorous aspect of running a business, but it’s crucial for long-term success. By following these 10 tips, you’ll create a solid foundation for managing your business’s finances. Whether you handle the books yourself or outsource them, staying organised and informed is key to growing a successful tradie business.

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Bin lid changeover program reaches milestone

Maroondah's bin lid changeover crews are making great progress, with over 33,000 bin lids already changed since the project started at the beginning of August. Mayor of Maroondah, Councillor Linda Hancock, thanked residents for their assistance. “Council is pleased to see the Maroondah bin lid changeover project reach this milestone and remain on schedule,” Cr Hancock said. “The project will see Council kerbside waste collection service bin lids change colours, with dark green general waste bin lids changing to red, and blue recycling bin lids changing to yellow. “These changes are being implemented in response to a Victorian Government requirement to standardise bin lid colours across the state, with the aim of making it easier for everyone to use their bins correctly through consistent education and messaging. “It is important that Maroondah residents with a Council kerbside waste collection service whose bin lids haven’t been changed yet continue to put their bins out as requested, so

that our crews can continue changing the remaining lids over. “Thank you to Maroondah residents for your patience and cooperation while this important project progresses.” With the project continuing until the end of October, residents are asked to continue placing both their general waste and recycling bins out on each recycling collection day. To help crews complete the changeover efficiently, please leave your bins out until 5pm on your recycling collection day. Please repeat this each recycling collection day until your bin lids have been changed. Once the crew is on-site, the physical replacement of the lids is a quick process and does not affect your regular waste and recycling services. Lime-green FOGO lids will not be changed, as this was completed when the FOGO service was introduced in 2023. If your bin lids have not been changed by Monday 26 October, please contact Council on 1300 88 22 33. SEPTEMBER 2026 | FIND MAROONDAH

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Presented by Eastern Community Legal Centre This session covers the importance of having an up-to-date will and understanding different types of powers of attorney, including how and when they operate. A light lunch will be provided at the conclusion of the presentation.

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Snow is a spirited young Husky cross with a big personality and plenty to say! This zesty young lady has been known to have a chat and loves being involved in whatever her people are doing. Full of energy and cheekiness, she is looking for an active home. Snow can be bouncy and excitable, so she would be best suited to a home with teenagers aged 16 years and older. She thrives with people who appreciate her playful nature and are committed to helping her continue learning good manners. Like many clever, high-energy dogs, she can be reactive towards other dogs, particularly while out on walks. A lot of hard work with our trainer has shown that Snow has made fantastic progress. She has even managed to make a few dog friends along the way! Her future family will need experience handling dog-reactive dogs and be committed to continuing her training and management so she can keep building confidence and positive behaviours. Snow would be happiest as the only dog in the home, where she can soak up all the love and attention for herself. In return, Snow will reward the right person with endless entertainment, loyalty, affection, and plenty of Husky-style conversations.

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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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SEPTEMBER 2026

HOW DO YOU KNOW WHEN IT IS TIME TO RETIRE? RETIREMENT By Warren Strybosch

For many people, retirement is something they have looked forward to for years.

One useful starting point is the ASFA Retirement Standard. The Association of Superannuation Funds of Australia (ASFA) publishes the Retirement Standard as a benchmark for the amount Australians may need to spend to achieve either a modest or comfortable lifestyle in retirement. The figures are updated quarterly and provide estimates for both singles and couples.

They imagine having more time to travel, spend time with family, pursue hobbies, play golf, volunteer, or simply enjoy a slower pace of life.

According to the March quarter 2026 figures, ASFA estimates the following annual budgets for Australians aged 65–84:

But when the time actually approaches, a surprisingly difficult question often arises:

Household

Modest lifestyle

Comfortable lifestyle

Single

$36,434

$55,923

Couple

$52,473

$78,566

“How do I know when it is the right time to retire?” There is no single answer. Retirement isn’t determined by a particular birthday, nor is it simply a question of whether you have reached a certain superannuation balance.

ASFA also provides a separate estimate for people who are renting privately, recognising that housing costs can have a substantial impact on the amount required in retirement.

The decision should consider your financial position, lifestyle, health, relationships, work satisfaction and what you actually want your retirement to look like.

These figures are useful because they demonstrate an important point:

The first question: Can you afford to retire? This is usually where the retirement conversation begins. Before deciding to leave the workforce, you need to understand how much income you are likely to need and where that income will come from.

There is no single amount of money that everyone needs to retire. Your required retirement income depends heavily on the lifestyle you want and your personal circumstances. Someone who owns their home outright may have very different expenses from someone who is still paying a mortgage or renting.

Depending on your circumstances, retirement resources may include superannuation, savings and investments. The family home may also affect retirement planning, but accessing its value may require a separate strategy and involves costs and risks.

Someone who wants to travel extensively may need substantially more than someone who is happy spending most of their time at home.

However, simply knowing that you have, for example, $1 million or $2 million in superannuation doesn’t tell you whether you can afford to retire.

The ASFA Retirement Standard can be a useful general benchmark. It is not a projection of an individual’s needs, and actual costs will depend on housing, health, location and lifestyle.

The more important question is: “How much income will I need from my investments each year?” Someone who wants to spend $50,000 a year in retirement has a very different financial position from someone who wants to spend $100,000 or $150,000 a year. What does a comfortable retirement actually cost?

ASFA’s figures are a guide—not a personal retirement plan

Your actual spending may be higher or lower. For example, a couple may want $100,000 a year because they intend to travel extensively during their 60s and early 70s. Another couple may be perfectly comfortable on $60,000 because their home is paid off, they don’t travel extensively and they have relatively modest lifestyle expenses.

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The key is to work out what retirement means to you rather than simply adopting somebody else’s number.

You may have enough money to retire at 70, but that doesn’t necessarily mean waiting until 70 is the right decision.

You can view the current ASFA Retirement Standard w w w. s u p e ra n nu a t i o n .a s n .a u / c o n s u m e r s / re t i re m e n t standard/ as a useful starting point when considering your own retirement budget.

Likewise, someone in excellent health at 65 may decide that continuing to work is worthwhile.

Retirement is more than a financial decision One of the biggest mistakes people can make is assuming that retirement planning is simply about answering: “Do I have enough money?” Of course, having sufficient financial resources is critical. But retirement also involves a significant lifestyle change. Work provides much more than a salary. For many people, work provides: • Structure • Purpose • Social interaction • Achievement • Routine • Intellectual stimulation • A sense of identity When you stop working, all of these things can change. This is why another important question is: “What am I retiring to?” Rather than simply: “What am I retiring from?” Are you still enjoying work? There is nothing wrong with continuing to work if you enjoy it.

The important consideration is that time is an asset that cannot be saved for later. If you have always dreamed of travelling, for example, you need to consider whether you want to wait until your 70s or 80s before doing it. This doesn’t mean everyone should retire early. It simply means that financial decisions should be considered alongside your health, energy and ability to enjoy the lifestyle you have worked hard to achieve. Could you transition into retirement? Retirement doesn’t have to be an on/off switch. For some people, the ideal solution is a gradual transition. You might: • Reduce from five days to three days a week • Work shorter hours • Move into a consulting role • Start your own business • Take longer periods of leave • Change careers • Work seasonally • Volunteer For some people, a gradual transition may balance continued income and social connection with additional free time, although the outcome will depend on individual circumstances.

Retirement is not a competition.

You retain some employment income and social interaction while gaining considerably more free time.

Some people genuinely enjoy their careers and continue working well beyond traditional retirement ages.

It may provide practical insight into how you respond to having less work and more discretionary time.

Others reach a point where the financial benefits of working another year are outweighed by the lifestyle benefits of having more time.

If you reduce your working hours and discover that you love the extra time, you may decide you are ready to stop completely.

Ask yourself:

Alternatively, you may discover that you miss work and decide that continuing to work is the right choice.

“If I didn’t need the money, would I still want to work?” The answer can be revealing. If the answer is yes, there may be no reason to rush into full retirement. If the answer is no, you may wish to explore your options, including continuing work, reducing hours or retiring, having regard to your financial position, health and personal circumstances. What about your health? Health is another important consideration.

What happens if you work for another five years? This is one of the most important questions to consider. Suppose you are 65 and financially able to retire today. You could retire now—or continue working until 70. Working longer may increase earnings and contributions and delay withdrawals. Outcomes are not guaranteed and should be weighed against tax, health, employment, market and lifestyle considerations.

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But there is another side to the equation. You would also be giving up five years of retirement. This is where retirement planning becomes more than simply trying to maximise your superannuation balance. The objective isn’t necessarily to die with the biggest possible bank balance. The objective is to use your financial resources to create the life you want while maintaining an appropriate level of financial security. Your retirement spending may change over time It is also important to recognise that retirement spending isn’t necessarily constant. Some retirees experience changing activity and spending patterns over time. The timing, direction and size of those changes vary, and health or aged care costs may increase even when discretionary spending falls Don’t forget the unexpected A retirement plan also needs to consider what could go wrong. What if investment markets fall? A market decline early in retirement may have a greater impact where withdrawals are being made, although the effect depends on the portfolio, withdrawal pattern and subsequent returns. What if inflation remains high? The cost of maintaining your lifestyle may increase significantly over a long retirement. What if you live to 95 or 100? Your retirement resources may need to support you for longer than expected. Planning may also need to consider the Age Pension, other income, changing expenses and longevity risk. What if one partner needs aged care? Aged care can create significant additional financial costs and should be considered as part of longer-term retirement planning. What if you want to help your children? Many retirees provide financial assistance to adult children, whether through helping with a home deposit, grandchildren, education or other expenses. A good retirement plan should therefore include some flexibility rather than assuming everything will go exactly according to plan. A simple retirement readiness checklist This checklist is a general prompt only. It does not determine retirement readiness or recommend any tax, superannuation, investment or social security strategy.

SEPTEMBER 2026

Question

Yes/No

Do I know how much I will need to spend each year? Have I considered my desired lifesty le rather than simply using a generic figure? Do I have sufficient assets and income to support that lifestyle? Have I considered my potential Age Pension entitlement? Have I considered tax and superannuation strategies? Have I considered investment risk? Have I allowed for inflation? Have I considered how long my money may need to last? Have I considered healthcare and aged care costs? Do I have a plan for how I will spend my time? Have I discussed retirement with my partner? Would I be happier if I retired now rather than continuing to work? Could I transition gradually rather than stop working completely? Your answers may help identify matters requiring further consideration. They do not, by themselves, establish that you are financially or personally ready to retire. So, when is the right time to retire? There is no magic age. For some people, it will be 60. For others, 65, 67 or 70. For some, it may be even later. And for others, retirement may never mean stopping work completely. There is no universal “right time” to retire. The decision may involve financial capacity, desired lifestyle, health, family circumstances, work preferences and tolerance for uncertainty. SEPTEMBER 2026 | FIND MAROONDAH

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It is when you can reasonably afford to leave work without creating unnecessary financial stress—and when you are ready to use your time differently. Perhaps the most important question isn’t: “Can I afford to retire?” It is: “What would I do with my life if I didn’t have to work?” Once you know the answer to that question, the financial planning becomes much more meaningful.

Source Association of Superannuation Funds of Australia (ASFA), Retirement Standard, March quarter 2026. The ASFA Retirement Standard provides benchmark estimates of expenditure for modest and comfortable retirement lifestyles for singles and couples and is updated quarterly.

ASFA Retirement Standard – official source www.superannuation. asn.au/consumers/retirement-standard/ Warren Strybosch Recognised in the FS Power50 as one of Australia’s 50 Most Influential Financial Advisers in 2021, 2022 and 2024

The role of financial advice Retirement is one of the biggest financial and lifestyle decisions most people will make. Subject to the adviser’s authorisations and expertise, financial advice may assist with retirement income, superannuation, investments and relevant Centrelink considerations. Legal, tax or specialist aged-care advice may require referral to an appropriately qualified professional. Importantly, good retirement planning shouldn’t simply tell you whether you can retire. It should help you understand what your options are. Personal advice may help you assess different retirement dates and trade-offs. It may confirm, bring forward or defer a preferred retirement date, depending on your circumstances and assumptions. You might discover that working another two years provides considerably more financial security. Or you might decide that you don’t actually want to retire completely—you simply want more control over your time. A retirement plan should aim to support your objectives while addressing sustainability, risk, flexibility and uncertainty. Outcomes cannot be guaranteed and should be reviewed as circumstances change.

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. 236815) 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. To the maximum extent permitted by law, Alliance Wealth and its related entities exclude liability for loss arising from reliance on this general information. Nothing in this disclaimer excludes rights or liabilities that cannot lawfully be excluded.

Congratulations! 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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Help the local community know you exist and what sets you apart compared to other aged care facilities, Financial Planners and other providers in the local area. We have developed Find Aged Care Services (www.findagedcare.services) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300 88 38 30 or email info@findagedcare.services.

List Your Aged Care Facilities with Find Aged Care Services Today

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The Value of Financial Advice When Planning for Aged Care in Australia

findmaroondah.com.au SEPTEMBER 2026

Aged care is no longer simply about finding a suitable facility When someone needs care, the immediate focus is understandably on finding somewhere safe and appropriate. But there is another question that needs to be asked: How should we structure the finances to pay for it? This question can be surprisingly complicated. A person’s financial position may include: Financial area

Question to consider

Family home

Should it be retained, sold or rented?

Superannuation

Should super be retained, withdrawn or used to fund expenses?

Investments

Which investments should be sold first?

For many Australians, aged care is something they hope they will never need.

Cash

How much should be kept readily available?

It is understandable. Retirement is usually about enjoying life — travelling, spending time with family, pursuing hobbies and making the most of the years after work.

Age Pension

How will the person’s pension entitlement change?

But one of the biggest financial decisions a person may eventually face is what happens when they can no longer live independently.

Aged care fees

What will the ongoing costs actually be?

Accommodation

Should accommodation be paid by lump sum, daily payments or another combination?

Estate planning

How will decisions affect the surviving spouse and eventual beneficiaries?

AGED CARE By Warren Strybosch

Why planning for aged care should be part of your retirement plan

The decision to receive care at home or move into residential aged care is not simply a lifestyle decision. It can also have a significant impact on your finances. The choices you make about your home, superannuation, investments, cash and the way you pay for care can affect: • • • • • •

how much you pay for aged care; how much income you have available; your eligibility for the Age Pension and other government benefits; how long your retirement savings last; the financial position of your spouse or partner; and ultimately, how much wealth you are able to pass on to your family.

This is where financial advice can add real value. The Australian Government itself recognises that aged care decisions can have significant financial consequences. My Aged Care recommends considering independent financial advice when deciding how to pay for aged care, particularly residential accommodation. The important point is that aged care planning should ideally begin before the crisis occurs.

There is rarely one answer that is automatically right for everyone. Two people entering the same aged care home could make completely different financial decisions because their circumstances are different. The importance of planning before the decision is urgent One of the biggest mistakes families make is waiting until a parent is in hospital or can no longer safely live at home before considering the financial implications. At that point, there may be very little time to make considered decisions.

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A family might suddenly have to deal with: Hospital -- Aged care assessment -- Find a facility -- Decide on accommodation -- Work out fees -- Sell investments -Consider the family home

John is 84 and Mary is 81. They own their home and have accumulated savings throughout retirement. John’s health deteriorates and he needs to move into residential aged care.

All of this can happen while family members are also dealing with the emotional stress of a loved one’s declining health.

Their financial position is approximately:

Planning ahead gives families something extremely valuable:

Asset

Amount

Family home

$1,100,000

Superannuation

$350,000

Shares and managed investments

$250,000

Cash

$150,000

Total assets

$1,850,000

Time. • • • • • • •

Time to understand the options. Time to compare aged-care facilities. Time to understand the likely costs. Time to consider the impact on the Age Pension. Time to determine which assets should be retained and which could be used to fund care. And, importantly, time to make decisions without feeling pressured. My Aged Care encourages people to plan ahead and specifically recommends considering future care costs as part of retirement planning.

Understanding the interaction between aged care and your finances When someone needs care, the immediate focus is understandably on finding somewhere safe and appropriate. But there is another question that needs to be asked: The aged-care system is means tested. This means your income and assets can influence how much you may be required to contribute towards your care. For Support at Home, contributions can depend on the type of service being provided as well as your income and assets. For residential aged care, your means assessment can influence the contributions you pay and the assistance you receive towards accommodation. This is why simply asking: “How much does aged care cost?” does not always produce a useful answer.

They find an aged care facility they like and the agreed room price is $600,000. The family initially assumes the obvious solution is to sell investments and pay the $600,000 accommodation amount. But this is where advice becomes important. There are a number of questions that should be considered before simply selling assets. What happens to Mary’s cash flow? If $600,000 is removed from their investment portfolio, what income will remain available to Mary? What happens to their Age Pension? Changing the ownership and composition of their assets can affect their government benefits. What happens to the family home? Should Mary continue living there? Could it eventually be rented? What happens if Mary later moves into care herself?

A better question is:

What is the most appropriate way to fund John’s accommodation?

“How much is aged care likely to cost someone in my particular financial circumstances, and how should I structure my finances to meet those costs?”

The family may have different payment options available, and the decision should consider not just the immediate cash requirement but the longer-term financial consequences.

That is a financial planning question.

My Aged Care notes that accommodation payment options should be considered carefully and recommends independent financial advice when deciding which option is appropriate.

An example: when the same aged-care room can produce very different outcomes Consider John and Mary.

What advice could change Suppose the family is considering two broad strategies.

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Strategy A — Sell investments and pay the accommodation amount The family sells $600,000 accommodation.

investments

There is no universal answer. to

fund

the

This provides certainty and removes the need to retain a large amount of money for accommodation. However, it also means: • investments are reduced; • future investment income may fall; • capital growth potential may be reduced; and • there may be tax consequences from selling investments. Strategy B — Retain some investments and structure the accommodation funding differently Instead, the family may determine that retaining a portion of their investments provides Mary with a more appropriate income stream and financial buffer. The result might look something like this:

Strategy A

Strategy B

Investments retained

$300,000

Cash reserve

$50,000

$100,000

Accommodation funding

$600,000

Alternative combination

Investment income retained

Lower

Higher

Financial flexibility

Lower

Higher

Estate value

Potentially lower

Complexity

Lower

Higher

This table is illustrative only. The most appropriate strategy depends on the individual’s circumstances, the aged care agreement, available payment options, taxation, Age Pension position, investment returns, cash-flow requirements and estateplanning objectives.

The decision can affect more than just the value of the estate. It can also interact with the Age Pension and aged care means testing. For example, the treatment of the family home can depend on the circumstances surrounding the person’s move into aged care and what happens to the property afterwards. MoneySmart notes that keeping or selling the home can affect Age Pension treatment, while the treatment of the home can also differ depending on whether it is retained or rented. This is why selling the home simply because “we need the money for aged care” may not always be the best first step. What about the Age Pension? The Age Pension can become an important part of the financial equation. A person entering aged care may experience changes to: • their assessable assets; • their income; • their accommodation arrangements; • their marital circumstances; and • the treatment of their home. These changes can influence their government benefits. This creates an important interaction: Aged care decision -- Financial structure -- Means testing -- Government benefits -- Retirement income A good financial plan considers all of these components together rather than treating aged care fees as an isolated expense. Support at Home: planning for care at home Aged care planning isn’t only about residential aged care. Many Australians want to remain in their own home for as long as possible. The Support at Home program provides government-funded support for eligible people who need assistance to remain living at home.

The point is that there is a decision to be made.

Under the current arrangements, the amount a person contributes depends on factors including the type of service they receive and their income and assets. Clinical supports are fully government funded, while contributions can apply to independence and everyday living services.

Without advice, families can sometimes make a decision simply because it appears to be the easiest option.

The financial impact can therefore vary considerably between individuals.

The family home can be one of the biggest decisions

For example:

For many retirees, the family home is their largest asset.

Type of service

General contribution treatment

When one member of a couple moves into residential aged care, the question of what happens to the home becomes particularly important. Should the home be: • retained? • sold? • rented? • transferred? • renovated? • used as a source of funds?

Clinical support

0% contribution

The important point is not that Strategy B is necessarily better.

Independence services Contribution depends on financial circumstances Everyday living services Higher contribution may apply Personal care

Government funding arrangements change from 1 October 2026

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From 1 October 2026, the Australian Government is scheduled to fully fund approved personal care services under Support at Home.

Illustrative annual cash flow

This is another example of why aged-care planning needs to be reviewed regularly. The rules can change, and a strategy that made sense several years ago may not be appropriate today. The value of modelling different scenarios One of the most useful things a financial adviser can do is model different scenarios. Instead of saying: “You have enough money to pay for aged care.” a better approach is to ask: “What happens to your finances over the next 5, 10 or 15 years under different care and investment scenarios?”

After aged care

Retirement living expenses

$70,000

Additional aged care costs

$35,000

Total expenditure

$70,000

$105,000

Income from pensions/ investments

$50,000

Required capital withdrawal

$20,000

$55,000

The difference is significant. At $20,000 a year, the capital requirement is manageable. At $55,000 a year, the family may need to reconsider how their assets are structured.

For example: Scenario modelling Scenario

Before aged care

What could be modelled?

This is where an adviser can model how long the money may last and whether changes should be made to the investment strategy, cash reserves or other assets. Aged care planning is also about protecting the spouse

Remain at home

Home care costs and retirement income

Move into residential care

Accommodation and impact on benefits

Sell the family home

Cash available and impact on benefits

Retain the family home

Ongoing costs and potential rental income

Use investments

Investment income and capital depletion

Use Cash

Liquidity and emergency reserves

One spouse enters care

Financial pos

Both spouses eventually require care

Long-term sustainability of assets

This type of modelling can be particularly valuable because the outcome is not simply about the first year.

One of the most overlooked aspects of aged care planning is the person who remains at home. When one spouse enters residential care, the financial position of the remaining spouse can change dramatically. They may suddenly have: • one income instead of two; • additional household expenses: • aged-care costs for their partner; • responsibility for maintaining the family home; • reduced access to investment income; and • concerns about their own future care needs. A strategy that is financially efficient for the person entering care may not necessarily be the best strategy for the couple. The objective should be to look at the financial position of both people. What about the children’s inheritance? Inheritance is understandably important to many families. However, aged care planning should not be driven solely by the desire to maximise an inheritance.

It is about what happens to the family financially over time.

The first priority should be ensuring that the person requiring care has access to appropriate care and that the surviving spouse has financial security.

A simple illustration of why cash flow matters

That said, good planning can sometimes achieve both objectives.

Imagine Mary has $800,000 available to fund her retirement.

For example, careful consideration of: • which assets are sold; • how investments are structured; • how accommodation is funded; • the treatment of the family home; • taxation; • superannuation; • pension entitlements; and • estate-planning arrangements

She needs $70,000 a year to meet her lifestyle and other expenses. If her investments and pensions provide $50,000 of income, she needs to draw another $20,000 each year from her capital. If John subsequently enters residential aged care and Mary’s expenses increase, the amount she needs to withdraw may increase significantly.

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The objective is not to “beat the aged-care system”.

The bottom line

It is to make informed decisions about how the family’s resources should be used.

Aged care is both a lifestyle decision and a financial decision.

Aged care planning should involve more than a financial adviser Good aged-care planning is often multidisciplinary. Depending on the circumstances, a family may need to involve: Financial adviser - To consider retirement income, investments, superannuation, Age Pension and aged-care funding strategies. Aged care adviser - To understand the available care options and compare providers and services. Accountant - To consider taxation consequences and the broader financial position. Solicitor - To review Wills, Enduring Powers of Attorney and other legal arrangements. Family - To understand the person’s wishes and help make decisions when circumstances change. No one professional necessarily as all the answers. The best outcomes often come from having the right people working together. The biggest benefit may not be saving money Financial advice is sometimes judged by one question: “How much money will I save?” That is not always the best measure. The real value of advice may be: • avoiding a poor financial decision; • understanding the options before making a decision; • protecting the surviving spouse; • maintaining an appropriate income; • avoiding unnecessary asset sales; • understanding the impact on government benefits; • ensuring sufficient liquidity; • reducing financial stress for family members; and • providing confidence that the decisions being made are appropriate. When a family is dealing with aged care, certainty can be just as valuable as financial efficiency. Don’t wait until aged care becomes an emergency Aged care planning does not have to begin when someone receives an aged care assessment. It can begin years earlier. For someone in their 60s or 70s, the conversation might simply be: “What would happen financially if one of us needed care?” That question can lead to a much broader retirement planning discussion. It may involve building an appropriate cash reserve, reviewing investments, considering the ownership of assets, updating estate-planning documents and understanding how the family would fund care if circumstances changed. Then, if aged care is eventually required, the family already has a framework to work from.

The Australian aged-care system is complex, and the financial consequences can extend well beyond the fees charged by a care provider. The decision about whether to remain at home, move into residential care, retain or sell the family home, use superannuation, sell investments or use cash can have significant consequences for the person’s retirement income, government benefits and eventual estate. The value of financial advice is not simply in finding the cheapest way to pay for care. It is about stepping back and asking: “What is the best overall financial strategy for this person and their family?” That strategy should consider the person’s care needs, lifestyle, income, assets, spouse, government benefits and estateplanning objectives. Most importantly, it should be developed before the family is forced to make decisions under pressure. If you are approaching retirement or are concerned about how aged care could affect your finances, now is the time to start the conversation. A well-designed retirement and aged-care strategy can provide something that is difficult to put a dollar value on — confidence that you and your family will be financially prepared for whatever the future brings. The case studies are for illustrative purposes only and is based on specific assumptions. Outcomes will vary depending in idividual circumstances and assumptions used.

Warren Strybosch Award winning Financial Adviser

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-todate 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.

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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.

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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)

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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.

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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!

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

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

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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: •

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

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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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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

10:30 am at St James Croydon Hills , 21-23 Bemboka

1 Tamar St, Ringwood VIC, 3136

Rd Croydon hills

(03) 9870 0102

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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.

Heathmont 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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