https://www.stepsfinancial.com.au/articles daily 0.75 2026-02-04 https://www.stepsfinancial.com.au/articles/2026marketoutlook monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/67ad3cf2-084d-4a28-a146-3bd47d5d326d/2026+Market+Outlook Articles - 2026 Market Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/fd5fd906-f9ff-4a39-9f06-552020050436/Steps+Financial+-+February+26+Socials+%282%29.png Articles - 2026 Market Outlook What this means for you: Volatility is normal. Staying invested and diversified remains more important than trying to time markets. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/fd5fd906-f9ff-4a39-9f06-552020050436/Idea Articles - 2026 Market Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/fd5fd906-f9ff-4a39-9f06-552020050436/Idea Articles - 2026 Market Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/fd5fd906-f9ff-4a39-9f06-552020050436/Idea Articles - 2026 Market Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/fd5fd906-f9ff-4a39-9f06-552020050436/Idea Articles - 2026 Market Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/fd5fd906-f9ff-4a39-9f06-552020050436/Idea Articles - 2026 Market Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.stepsfinancial.com.au/articles/strategyvsinvestment monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1770164275276-SHQGH00FYEIGPMWE8GPH/Strategy+vs+Investments Articles - Strategy vs Investments - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.stepsfinancial.com.au/articles/case-study-insurance-for-clients-with-medical-conditions monthly 0.5 2025-11-18 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1763437758005-3SON7V8RHGK4J0VEYTU8/Steps+-+Blog+Featured+Image+%288%29.png Articles - Case Study: Insurance for clients with medical conditions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/ff7d166d-ee21-48a6-937a-6cf92553364a/application-stages.jpg Articles - Case Study: Insurance for clients with medical conditions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/7414c3d7-a0de-4f3f-93b9-6ac93f368d3c/client-outcome.jpg Articles - Case Study: Insurance for clients with medical conditions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.stepsfinancial.com.au/articles/division-296-update monthly 0.5 2025-10-15 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1760503480839-KZWOV0EBLACCYVW508H3/Tax_pexels-n-voitkevich-6863514.jpg Articles - Division 296 Update - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/72c56c26-e6ac-47cc-bd8d-db7c159d456a/20251014+Division_296_Scenario+1_Dark.jpg Articles - Division 296 Update - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/92372511-dc24-442c-9ce3-e0b1d7022dcd/Division_296_Scenario+2_Dark.jpg Articles - Division 296 Update - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.stepsfinancial.com.au/articles/the-power-of-staying-invested monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1755826770241-RZY1MRGRHGE5P1L351JN/The+Power+of+Staying+Invested Articles - The Power of Staying Invested - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.stepsfinancial.com.au/articles/from-pay-rise-to-parental-leave-essential-updates-from-1-july-2025 monthly 0.5 2025-07-29 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1753756387288-BOCDCI5JXKG7WUL7FRT7/From+pay+rise+to+parental+leave+%E2%80%93+essential+updates+from+1+July+2025 Articles - From pay rise to parental leave – essential updates from 1 July 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.stepsfinancial.com.au/articles/risk-and-investing-a-behavioural-perspective monthly 0.5 2025-03-19 https://www.stepsfinancial.com.au/articles/client-biases-and-how-they-affect-investor-behaviour monthly 0.5 2025-03-19 https://www.stepsfinancial.com.au/articles/why-consider-a-clients-emotions-when-advising-them monthly 0.5 2024-08-30 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/e2602df9-d301-438f-a81e-32888207ef7c/Steps+-+Blog+Featured+Image.png Articles - Why Consider a Client’s Emotions When Advising Them? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.stepsfinancial.com.au/articles/2024-federal-budget monthly 0.5 2024-05-17 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1715838975512-VQSGMQAI40E5OTQYRBJR/Steps+-+Blog+Featured+Image.png Articles - 2024 Federal Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.stepsfinancial.com.au/articles/stage-3-tax-cuts-2024 monthly 0.5 2024-03-13 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1710287698421-C36EFA0QEOHEU4ZSW522/Tax+Cuts Articles - Stage 3 Tax Cuts 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/3dd333d1-99c1-4b2d-a0a6-0e096f887afa/image+%2833%29.png Articles - Stage 3 Tax Cuts 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.stepsfinancial.com.au/articles/2023budget monthly 0.5 2024-03-12 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1683944727265-L6CAFR6ZDAHXGE67NDXT/Cost+of+living+support.jpg Articles - 2023 Budget Bright natural dining room nook with vases plates and fruits on the table. https://www.stepsfinancial.com.au/articles/self-care monthly 0.5 2024-03-13 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/74ce5107-7e65-4057-afe1-52262aa63db6/pexels-madison-inouye-2821823_Self+care.jpg Articles - Self-care in all areas... Mind, Health & Wealth Bright natural dining room nook with vases plates and fruits on the table. https://www.stepsfinancial.com.au/articles/money-heart monthly 0.5 2025-07-29 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1598923624602-SKODA4ZSGINTEI6EQY0S/mitchell-luo-vDG9GTRnxK0-unsplash.jpg Articles - Put your Money where your Heart is Pretty Caucasian woman at the beach smiling at camera. https://www.stepsfinancial.com.au/articles/financial-abuse monthly 0.5 2024-03-13 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1598923763424-CXT2PQ6MNDUFQ7CPLP70/priscilla-du-preez-VzqEavUGnss-unsplash.jpg Articles - The most subtle form of domestic violence: Financial Abuse Scenic shot of the beach with waves hitting the rocks. https://www.stepsfinancial.com.au/articles/tag/Div+296 monthly 0.5 https://www.stepsfinancial.com.au/articles/tag/Super monthly 0.5 https://www.stepsfinancial.com.au/articles/tag/Tax monthly 0.5 https://www.stepsfinancial.com.au/our-approach daily 0.75 2023-12-05 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613348718640-UBFT1Q4G3UU6C5UZZHNN/Our+Approach+Icons.png Our Approach https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613348754875-Z0VKQ77HCYEN5G98EN2E/Our+Approach+Icons3.png Our Approach https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613348735966-TH5Z9ZFSTS5ER6DM4U7X/Our+Approach+Icons2.png Our Approach https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613348773594-BAUT2QJMMSXJJANI2EW1/Our+Approach+Icons4.png Our Approach https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/29ece34e-8ab4-44da-896e-9b931228b314/Steps.png Our Approach https://www.stepsfinancial.com.au/home daily 1.0 2025-06-06 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1611384094720-LRFHY0F9L7LGYEIME7WU/StepsFinancial_Profile_Home_Web_0000_Antoinette.jpg Home - Antoinette Mullins As a qualified youth worker and trauma counsellor, Antoinette brings a different skillset to her role… https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1611384136470-IDKGF0DFI2U74A11JAPZ/StepsFinancial_Profile_Home_Web_0001_Tanya.jpg Home - Tanya Oddo Since Tanya completed her double degree in 1998, she has worked in the financial services industry… https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1610056030479-5EUQMM4LW898ECXHFBVA/Retirement+Planning.png Home https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1610056130370-N57XDBER34LJKHRWPJIH/Divorce+Death+of+Spouse.png Home https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1610056077379-K86NMVNJ8TQFY4DV1VIT/Financial+Literacy.png Home https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1610056153207-OLM021AICPMIRFR8VKOA/Womens+Wealth.png Home https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1610056102306-6Z82JRHUSJJXUSW8Z7MN/Risk+Management.png Home https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1610056187616-WLFV1TOJ49ZV3BNA2ITX/Wealth+Accumulation.png Home https://www.stepsfinancial.com.au/antoinette daily 0.75 2026-02-04 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1598915801404-ERIQKMNCXABZ9FUD8GW8/StepsFinancial_04_WEB.jpg Antoinette Mullins As a qualified youth worker and trauma counsellor, Antoinette brings a different skill set to her role as financial adviser. This has enabled her to provide emotional support to clients going through a difficult time, as well as financial advice to improve their situation. She has a passion for improving the financial literacy of her clients so that they not only understand their financial plan, but also get actively involved in implementing it. As a Certified Financial Planner® with over 20 years’ experience, she enjoys working with a range of clients from those with complex structures to pre-retirees wanting a clear retirement plan. Specialising in providing advice to professional women, Antoinette is a seasoned presenter at seminars and boardroom lunches and her mainstream media appearances include Sky News Business and Channel 9’s The Today Show. She enjoys writing articles aimed at spreading awareness of, and confidence in, managing your own money and contributes regularly to various publications including The Financial Standard, Money and Life Magazine and The New Daily. Antoinette holds the following qualifications: She is a Certified Financial Planner (CFP®), holds a Graduate Diploma of Financial Planning and an Advanced Diploma of Financial Services (Financial Planning). She is registered as a Tax (financial) Adviser with the Tax Practitioners Board (Nr. 25016948) and is also a member of the professional body Financial Advice Association of Australia. She holds a Bachelors’ Degree in Youthwork, a certificate in Crisis Debriefing and Trauma Counselling, both from UNISA. She also holds a Certificate IV in Finance & Mortgage Broking and has successfully sat the FASEA Exam in September 2019. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1633501660999-X9ZENQ746DA2DFC4K16E/Testimonials.png Antoinette Mullins https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1633512978706-1YGHPOLH8ZOSBR7E2U24/Testimonials4.png Antoinette Mullins https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1633501737883-LNRT1FPLZ0ZYCO6ZYYKW/Testimonials2.png Antoinette Mullins https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1612750420014-P95DMOA4LO7QGR5C4VA0/boulders-idyllic-looking-426893.jpg Antoinette Mullins - “Antoinette has helped navigate our employees through (the closure of our Australian division) by delivering relevant and engaging information sessions on topics such as redundancies and retirement planning. She has consistently gone above and beyond, providing one-one-one meetings with our employees in order to address specific questions and concerns. Her down to earth approach has made our employees feel very comfortable during this difficult period. “ Paola K, former manager, Human Resources ANZ On Behalf of Avon Products Pty Ltd https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1598915836321-7BP68Y9HPD7HRUQCLF3J/StepsFinancial_02_WEB.jpg Antoinette Mullins - Tanya Oddo Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park. https://www.stepsfinancial.com.au/media daily 0.75 2021-12-15 https://www.stepsfinancial.com.au/contact daily 0.75 2026-03-02 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1632369307742-FIJTBR9HXOIP43LCB7EG/StepsFinancial_28_Joint+Unfocus.jpg Contact - Important Update: To protect the quality of our advice and maintain our high service standards, we temporarily closed appointments to new clients on the 1st of March 2026. This allows us to remain fully focused on our existing clients and those who have already committed to working with us. Going into the busy end-of-financial year period, from May our focus is solely on clients in an ongoing advice arrangement with us. We are incredibly grateful for the continued referrals and trust in our firm. For those who would still like to work with us, we maintain a structured waiting list to ensure clarity and fairness for future appointments. If your advice needs are time-sensitive, we would be pleased to connect you with a trusted adviser from our professional network. Click the button below to explore your options, learn more about our waiting list process, or access the details of these trusted advisers. https://www.stepsfinancial.com.au/tanya daily 0.75 2026-02-04 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1598915948220-V0BXK86JG600XFNFCVNF/StepsFinancial_02_WEB.jpg Tanya Oddo Since Tanya completed her double degree in 1998, she has worked in the financial services industry. Through varying roles she accumulated a wealth of experience but her talents and passion for all things technical led her to the specialised role of Paraplanner. Her hard work and dedication was recognised in 2006 when she was awarded the NSW Paraplanner of the Year. What drove her, was building a personal strategy for each client, using all their resources to map the best way forward. As happens when you work hard in a chosen field, her knowledge quickly outgrew the role and she expanded her skill set to client-facing financial adviser, culminating in starting her own company, Steps Financial, in 2013. Tanya’s analytical mind means that she can see through figures and chaos, right to the heart of matters, deciphering and simplifying as she goes. She can then relate this back to clients in an easy-to-follow and implement financial plan, where she guides you along every step. She specialises in creating insurance solutions for busy professionals and families, and for developing their cash flow plan. Tanya has been a guest on ABC Radio’s Nightlife program to discuss family cash flow planning and the importance of money strategies for women. Tanya holds the following qualifications: She holds a Diploma of Financial Services (Financial Planning) and a double Bachelors’ Degree in Arts & Commerce from Wollongong University. She is registered as a Tax (financial) Adviser with the Tax Practitioners Board (Nr. 25014610). She successfully sat the FASEA Exam in May 2021. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1633499938503-IDTICJ0POY22IW4N8TMA/Testimonials2.png Tanya Oddo - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1633499958704-18GOTYXMYC8AZ16VX9YD/Testimonials3.png Tanya Oddo - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1633499977235-7KT0IDLN0BX3PAJRVGN6/Testimonials.png Tanya Oddo - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1598915967421-C63MQEJRG7ZZQBQDCI9Y/StepsFinancial_04_WEB.jpg Tanya Oddo - Antoinette Mullins Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park. https://www.stepsfinancial.com.au/services daily 0.75 2021-02-26 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613351313946-L5XPWM93ITDVCJFHXQY7/Services+Icons5.png Services hand-drawn armchair icon https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613351027433-GZ0I81KY8HVWILSM5905/Services+Icons.png Services hand-drawn empty pill bottle icon https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613351331208-SQ1I183QWJVJ5IB2PN5Y/Services+Icons4.png Services hand-drawn simplified needles in back acupuncture icon https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613351352364-PQPA10SVFR1AASQYT65W/Services+Icons2.png Services hand-drawn aim target icon https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613351383372-CQH3URKVOQXP2G8A97O7/Services+Icons6.png Services https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1613351403971-TG932V43GKPNJSPHQJUM/Services+Icons3.png Services https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1612749749419-5HRXY1KJ2TFUYYCBJ68A/Woman+lights_Large.jpg Services - “Our cash seemed to flow through our fingers. Simply put, we had terrible spending habits. Tanya of Steps Financial changed the way we approach our finances and we are now managing our finances with confidence. We are so pleased to have engaged Steps Financial and we look forward to their expert advice with each change in our circumstances.” — ROWENA C, STEPS FINANCIAL CLIENT https://www.stepsfinancial.com.au/financial-standard-article daily 0.75 2021-02-24 https://www.stepsfinancial.com.au/videos daily 0.75 2023-09-15 https://www.stepsfinancial.com.au/featured-businesses daily 0.75 2022-08-24 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/2e41386f-ee73-4375-a9cc-f30f2248a327/pexels-taryn-elliott-4426555.jpg https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/1dd16324-29a9-488c-8441-4c05dbe94b23/pexels-flora-westbrook-3761142.jpg https://www.stepsfinancial.com.au/privacy-policy daily 0.75 2023-12-12 https://www.stepsfinancial.com.au/subscribe daily 0.75 2023-12-13 https://www.stepsfinancial.com.au/update daily 0.75 2026-03-02 https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/b4b93b5b-f4bf-444f-bcc5-317bcedb7ad7/StepsFinancial_28_Joint+Unfocus.jpg https://images.squarespace-cdn.com/content/v1/5f44934e2aa4295ff8928279/d74550bc-b087-4b45-985d-5abfca0d8f97/Steps+process.png https://www.stepsfinancial.com.au/waitlist daily 0.75 2025-08-05