John Cachia

Founder & Strategic Wealth Adviser, Thriving Wealth

John Cachia is the founder, strategic wealth adviser, and visionary at Thriving Wealth, and is widely regarded as one of Australia’s most respected financial advisers. John is deeply invested in the emotional and psychological side of money. He understands that clients’ financial decisions are often shaped by their behaviours, habits, and past traumas. John works with clients to not only create effective financial strategies but also to address these deep-seated money beliefs and behaviours, helping them achieve true financial and emotional well-being. In 2024, John was honoured as the Financial Advice Association of Australia (FAAA) Adviser of the Year.

Articles by John Cachia

John Cachia

How families on $150-$200k can turn good income into long-term

While people believe financial advice is only for high-income earners or those already wealthy the reality is, households earning $150K to $200K often benefit the most from getting advice early — when small decisions have the biggest long-term impact.

Paul Peng Yang CFP®

Why it’s important to set an investment philosophy before investing

Investing is a journey fraught with uncertainty, emotional ups and downs, and the allure of quick wins. Many investors, however, fail to achieve their financial goals because they lack a guiding framework. An investment philosophy serves as a compass, ensuring that decisions are aligned with well-defined principles rather than impulsive reactions to market noise.

Joel Carty CFP®

Tax-effective investing

Investing isn’t just about growing wealth - it’s about doing so efficiently. In Australia, taxation plays a critical role in shaping investment returns, but with the right approach, investors can legally minimise tax and maximise gains.

Daniel Thompson

Tax tips for the end of financial year (EOFY)

As the end of the financial year (EOFY) approaches, it's a great time to review your finances and implement strategies to minimise your taxes. Whether you're an employee, investor, business owner, or planning for retirement, here are some key considerations to ensure you're making the most of available tax benefits.

Julia Newbould

Tax deductible donations – get the most out of giving back

Giving to charity can be a great way to help others and give your tax return a boost, but not all donations are tax deductible. Here’s what you need to know about making a tax deductible donation.

Joel Carty CFP®

Protecting your today and tomorrow – it’s not just about insurance

Personal risk mitigation is a cornerstone for ensuring long-term financial stability and security. For Australians, understanding and implementing effective risk management strategies is crucial to safeguarding their financial future.

Dominique Bergel-Grant

Confessions of a divorce financial planner

Divorce is a complex and uncertain process and, regardless of your motivations, it is not about winning or losing. It involves facing the often harsh reality that dreams of a future life imagined on your wedding day are now shattered. Often it is easy to get caught up in the “he said, she said” blame game.

Julia Newbould

What is a beneficiary and why you need one for your super

The assets that make up your estate may include property, bank accounts, investments and superannuation. How your estate will be distributed after your death will depend on who you nominate to be beneficiaries in your Will. That is, your estate minus your superannuation – unless you have specifically nominated your estate to be the beneficiary of your superannuation.

Joel Carty CFP®

8 quick wins for managing debt

Julia Newbould & Kate McCallum

Insurance 101: what is it and why do we need it?

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