Insight Wealth Planning helps young couples and families in Newcastle build strong financial foundations, from buying your first home and optimising your superannuation, to protecting your family with the right insurance and estate planning. Based in Newcastle and led by Directors Simon Tworek & Tabitha Tworek, our team has been guiding Hunter Valley families through major financial decisions for over 20 years.

We understand that every family’s financial journey is different. Whether you’re saving for a deposit, welcoming a new baby, navigating a career change, or starting fresh after a separation, the right financial plan gives you clarity, confidence, and a path forward. Our Foundations service is designed specifically for people at the beginning of that journey, or at a turning point where getting the basics right really matters.

Our Foundations service is built for people who are ready to take the next step but want expert guidance to get there. You might be:

• A couple saving for your first home in the Newcastle or Hunter Valley region who want to understand how the First Home Owner Grant, First Home Super Saver Scheme, and stamp duty concessions work together
• A young family who’ve just had your first child and realise you need the right life insurance and income protection in place
• A professional in your 20s or 30s who wants to make your superannuation work harder while you’ve got decades of compound growth ahead of you – read our guide on why you shouldn’t wait until your 60s to see a financial adviser
• Someone going through a separation who needs help regaining financial independence and rebuilding with confidence

Whatever has brought you here, our role is to help you understand what you have, what you need, and how to use both to set yourself up for a self-reliant future.

Click through to find out some answers to some of our frequently asked questions, or contact us today for a no-obligation discussion about your situation and how we could help.

Buying your first home is one of the biggest financial decisions you’ll make, and having a clear strategy can save you thousands. As Newcastle financial planners who work with first home buyers regularly, we help you navigate the full picture – not just the deposit, but the government schemes, savings strategies, and loan structures that put you in the strongest position.

In NSW, first home buyers currently have access to several key programs. The First Home Owner Grant provides a $10,000 payment for eligible buyers of new homes valued up to $600,000, or new house-and-land packages up to $750,000. The First Home Buyers Assistance Scheme offers a full stamp duty exemption on homes up to $800,000, with concessional rates available for properties between $800,000 and $1,000,000 – potentially saving you $20,000 to $30,000 or more in transfer duty.

The First Home Super Saver Scheme (FHSSS) allows you to withdraw up to $50,000 of voluntary super contributions (up to $15,000 per financial year) to put toward your deposit, with the benefit of a lower tax rate on those savings. And the Home Guarantee Scheme means eligible buyers can purchase with as little as a 5% deposit and avoid paying Lenders Mortgage Insurance, with property price caps of $1,500,000 in Newcastle and major regional centres.

Our advisers work with you to create a tailored savings plan, optimise your super strategy for home purchasing, and coordinate with mortgage brokers to make sure you’re getting the best outcome. We help you understand which schemes you’re eligible for and how to combine them effectively.

Book a consultation to discuss your first home plan →

When you’re young and healthy, insurance might not feel like a priority. But if you have a mortgage, a partner who depends on your income, or children, having the right cover in place is essential. It’s also typically more affordable and easier to obtain when you’re younger and in good health.

We assess your personal situation and recommend the right mix of cover across four key areas:

• Life insurance to ensure your family can meet financial commitments if the worst happens
• Total and permanent disability (TPD) cover to provide a lump sum if you’re unable to work again
• Trauma or critical illness cover to help with immediate costs following a serious diagnosis
• Income protection insurance to replace up to 75% of your income if illness or injury prevents you from working

We determine the right level of cover based on your debts, dependents, and how much income your family would need to maintain their lifestyle. In many cases, insurance can be held inside your super fund, which may offer tax advantages and reduce out-of-pocket costs. Learn more about why the right insurance matters for your financial future.

Explore our Life & Income Insurance services →

Many young families assume estate planning is something for later in life. In reality, it’s one of the most important things you can do once you have dependents or shared assets. Without a proper estate plan, decisions about your children, your property, and your finances could be left to the courts – which may not reflect your wishes.

We help you put the right structures in place, including:

• Appointing guardians for your children in the event that both parents pass away
• Ensuring your assets are distributed according to your wishes through a valid and up-to-date will
• Establishing powers of attorney so someone you trust can make financial and medical decisions on your behalf if you’re unable to
• Making sure your super death benefit nominations are current and aligned with your broader estate plan

Estate planning isn’t a standalone exercise – it connects directly to your insurance, your super, and your overall financial strategy. We coordinate across all of these so nothing falls through the gaps.