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Retirement Planning and Superannuation

Getting retirement plans back on track

Getting retirement plans back on track

After a year when even the best laid plans have been put on hold due to COVID-19, people who were planning to retire soon may be having second thoughts. You may be concerned about a drop in...
Balancing wealth and happiness

Balancing wealth and happiness

It can at times seem like life is a seesaw of logic and emotion. If you believe by emotion, then no amount of reason can talk you out of how you feel. It’s how some fall prey to a life of...
Super changes add flexibility

Super changes add flexibility

Just when you thought you had a grip on the superannuation rules, they change again. This time though, the changes are mostly positive, especially for older super members keen to top up...
A baby boomer’s retirement path

A baby boomer’s retirement path

Baby boomers are born consumers and love choice. For those unsure, a baby boomer is generally defined as those born just after World War II – 1946 to 1964. During these years, the number...
Family trusts under ATO scrutiny

Family trusts under ATO scrutiny

Family trusts have stood the test of time as a means of protecting family and business wealth, and managing the distribution of trust income in a tax-effective way. But the misuse of these...
9 retirement planning myths debunked

9 retirement planning myths debunked

We’ve all read internet fake news and passed down family stories about common retirement “rules of thumb”. Google the word “retirement” and you’ll get 748,000,000 results in...
Starting over: how to bounce back after 60

Starting over: how to bounce back after 60

Have you ever gone through a major life event that forced you to start again? For some, it’s a scary time filled with change, anxiety and confusion. But it doesn’t have to be that way....
Keeping the economy moving

Keeping the economy moving

The Morrison Government’s mind-bogglingly large support packages to get Australians through the COVID-19 shutdown have dominated headlines, and rightly so. Only months ago, the Australian...
Temporary Access to Super

Temporary Access to Super

As part of the measures taken by the government to support those impacted by COVID-19 some people will be able to access up to $10,000 of their super between now and 1 July 2020, with a...
Economic Stimulus Package – What it means for self-funded retirees

Economic Stimulus Package – What it means for self-funded retirees

Federal Government’s second support package announced on March 22 offered assistance for self-funded retirees. Minimum drawdown rates for account-based pensions and similar products...
Women and Money: Seize the day!

Women and Money: Seize the day!

As the world celebrates International Women’s Day and all that women have achieved, it’s a good opportunity to take stock. Women have undoubtedly come a long way in terms of workplace...
The Australian retirement system – good, but room for improvement

The Australian retirement system – good, but room for improvement

You could be forgiven for thinking Australia’s superannuation system is a mess. Depending who you talk to, fees are too high, super funds lack transparency and Governments of all...
How much super is enough?

How much super is enough?

Most of us dream of the day we can stop working and start ticking off our bucket list. Whether you dream of cruising Alaska, watching the sun rise over Uluru, improving your golf handicap...
Can you afford your dream retirement

Can you afford your dream retirement

Planning your dream retirement can be an exciting time. The chance to travel overseas or around Australia without having to rush back to work, time to pursue new hobbies, learn a language...
Benefits of a super long engagement

Benefits of a super long engagement

Superannuation is a long-term financial relationship. It begins with our first job, grows during our working life and hopefully supports us through our old age....
Young invincibles – the importance of insurance

Young invincibles – the importance of insurance

When you are young, healthy and just starting your working life the last thing on your mind is life insurance. In your 20s and 30s your financial focus is more likely to be on saving for a...
Super and inheritance: making your wishes known

Super and inheritance: making your wishes known

People often think their superannuation will be treated as part of their estate when they die and distributed according to their Will, but that’s not the case. Unless you have nominated...
Budget changes support a brighter retirement

Budget changes support a brighter retirement

With tax cuts grabbing most of the attention in the May 2018 Budget, some quiet tweaks to superannuation and retirement income were drowned out in all the noise. But these small changes...
Ready…set… Are you good to go for the new financial year?

Ready…set… Are you good to go for the new financial year?

The end of the financial year is the cue for most of us to look at our financial position heading into tax time. Hopefully you’ve made progress towards your goals. But if you find that...
Closing the super gap

Closing the super gap

Gender politics has been in the headlines a lot lately. Whether you’re talking about the Women’s March, celebrity scandals or the latest pay gap numbers, gender equality is an...
Franking dividends facing the chop

Franking dividends facing the chop

Here we go again. Superannuation could be about to undergo more change with the federal opposition announcing it will end cash refunds of franking credits on share dividends if it wins the...
Home and away with super

Home and away with super

Australians buying their first home or downsizing in retirement are about to receive a helping hand thanks to new superannuation rules which come into effect on July 1. From that date,...
Transition to retirement – Still a smart move

Transition to retirement – Still a smart move

They say 60 is the new 40. And while it’s true that today’s over-50s are healthy and active for longer than previous generations, many in this position begin to dream about scaling back...
Homing in on a happy retirement

Homing in on a happy retirement

Owning your own home has long been the Australian dream but after years of strong house price growth it’s becoming less of a reality for many. This has major implications for retirement...
Time to review transition to retirement pensions

Time to review transition to retirement pensions

Amid the major reforms to superannuation that took effect on July 1, some significant changes to the tax treatment of your Transition to Retirement Pension (TRIP) may have flown under the...

Winding up your SMSF: Keep the end in sight

They say all good things must come to an end, and it’s no different with self-managed super funds. Australians are discovering the benefits of running their own fund in record numbers,...

Countdown to super deadline

The clock is ticking for investors who want to take advantage of the more generous tax concessions available in super this financial year. As of July 1, new rules come into effect that will...
Beware of pension pressure

Beware of pension pressure

Changes to the pension assets test that came into force on January 1 have resulted in some retirees losing some, or all, of their pension entitlements. ...
Achieving your dream of early retirement

Achieving your dream of early retirement

Spending more time with your family. Picking up a brand new hobby. Exploring exotic destinations for longer than your scant weeks of annual leave would allow. However you paint it,...

Saving for retirement: the big picture

Australians are constantly being told they are not saving enough for their retirement. The argument goes that unless you have enough saved in superannuation you will be forced to rely on...

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