Are you actually on track — or just hoping you are?

A 4-minute survey for Australian homeowners and income earners who want a clear, honest read on their retirement, tax, debt and investments. No sales. No pressure.

Complete it and you'll also go in the draw to win $500,000

Start the Survey

Takes about 4 minutes · Your answers stay private

Not sure where I standConfident I'm on track

Most Australians sit somewhere in the middle. This survey shows you where.

Before you start

This is built for a specific kind of Australian

We'd rather you skip it than waste four minutes. This survey is genuinely useful if:

✓ You own your home, or are paying one off
✓ You've got superannuation and some savings building up
✓ You and your household earn a regular income
✓ You want a real answer on tax, debt or investing — not a sales pitch

If that sounds like you, keep going — your results will actually mean something. If it doesn't, the $500,000 draw is still open to all entrants, but the survey itself won't tell you much you don't already know.

Why we're doing this

Most Australians are working hard — but still feel unsure about:

Whether they're actually on track for retirement
If they're paying more tax than they need to
How to structure debt properly
Whether their money is really working for them

This survey helps shine a light on those areas — even if you never speak to us.

What you get

Three things, in order of what actually matters

A clearer financial picture

See where you stand on retirement, tax, debt and investments — based on your own numbers.

No-obligation follow-up, if you want it

Optional chance to talk it through with an adviser. Nothing happens unless you ask for it.

Entry into the $500,000 draw

Every completed survey goes into the draw. Terms and conditions apply.

Start here

The Financial Wellbeing Survey

By completing this survey, you confirm your entry into the $500,000 draw. Terms & conditions apply.

By submitting an entry into this competition, entrants consent to receive promotional and other marketing messages from the Promoter (including messages sent electronically for an unlimited period of time). Entrants will be able to opt-out at any time by following the instructions included in each message sent by the Promoter.

See this link for full terms. Open to NSW, ACT, QLD, VIC, WA residents over the age of 18. Only one entry per person will be permitted. Competition opens 15/01/26 at 8:00 AM and closes 17/12/26 at 2:30 PM. Subject to clause 16, a winner will be drawn for a chance to win the major prize on 18/12/26 at 3:00 PM at Promoter's Premises at Level 2, Suite 2.03, 6 Parkview Drive, Sydney Olympic Park NSW 2127. The winner or their nominee must attend the Promoter's Premises and will then be presented with 2 groups of envelopes and must choose one envelope from each group to open as follows: Group 1 – participant has to pick 1 envelope representing the major prize from a pool of 50 envelopes. Group 2 - participant has to pick 1 envelope representing the major prize from a pool of 50 envelopes. 1 participant and 1 attempt in all.

Draw will occur on 18/12/26 at 3:00 PM. The winner or winner's nominee may be present. Otherwise, the winner will be contacted by phone and can authorise for the Promoter to draw a single envelope on their behalf. There will be one envelope with the major prize noted in it in each group of 50 envelopes. The other envelopes will have $1,000 noted in it. The winner will win a chance to draw 1 envelope from each of the 2 groups of 50 envelopes to win $500,000 Cash. Winner notified by phone and email and published online at www.smartmoneygroup.com.au from 18/12/26 for 28 days.

The Promoter is SmartMoney Wealth Management Group Pty Ltd (ABN 62 613 355 598) of Level 2, Suite 2.03, 6 Parkview Drive, Sydney Olympic Park NSW 2127.