For many Australians, the family home is their largest asset outside super. As retirement approaches, some people choose to sell, downsize, and free up capital. The downsizer contribution rules allow you to move part of those sale proceeds into super, even if you wouldn’t normally be able to contribute. Used properly, it can be a […]
Category Archives: Blog
Blog, Super, Pension, & Retirement
Spouse Super Contributions: How They Work and When They Can Benefit Your Retirement Strategy
02
Feb
Feb
Retirement planning isn’t just about how much you have in super, it’s about the combined position of both partners. Spouse super contributions are a straightforward way to build the lower-balance partner’s super, potentially reduce tax, and create a more balanced retirement plan. When used well, they can strengthen your overall superannuation advice strategy and support long-term […]
Blog, Super, Pension, & Retirement
Transition to Retirement Rules: What You Need to Know Before Starting a TTR Strategy
02
Feb
Feb
If you’re approaching retirement but not quite ready to stop working, a Transition to Retirement (TTR) strategy could help you reduce hours, maintain your income, and make smarter use of your super. When used well, TTR can improve cash flow, reduce tax, and give you more control over your retirement timeline. But there are rules, […]
01
Feb
Feb
Superannuation isn’t the only way to invest tax-efficiently for the future. For Australians seeking flexibility, control, and long-term growth outside the super system, investment bonds can be a powerful alternative, or complement, to a broader super and wealth-building strategy. As contribution caps tighten and preservation rules limit access, more investors are exploring structures that allow […]
12
Nov
Nov
Whether you’re planning for your child’s education, saving for their first home, or giving them a financial head start, investment bonds can be a smart, tax-effective way to build wealth in their name — without the complexity of trusts or superannuation. More Australian parents and grandparents are turning to investment bonds for children because they […]
10
Nov
Nov
Kerry Packer during a 1991 parliamentary inquiry. “I am not evading tax in any way, shape or form. Now of course I am minimising my tax, and if anybody in this country doesn’t minimise their tax, they want their heads read — because as a government I can tell you, you’re not spending it that […]
07
Nov
Nov
Self-managed super funds (SMSFs) give you greater control over your retirement savings, but that freedom comes with added costs, responsibilities, and time. So, is an SMSF really worth it for your financial future? A self-managed super fund is a private superannuation fund that you manage yourself, usually with up to six fund members. Unlike retail […]
27
Aug
Aug
What’s the difference between a charity and a foundation? A charity is a registered organisation that exists to benefit the community or serve a public purpose. It may provide direct services such as housing support, education programs, medical research, or animal welfare. Charities typically help the end recipient directly and rely on funding from public […]
27
Aug
Aug
Inheriting money or property can be life-changing—but it also comes with important financial decisions. While Australia doesn’t have a formal inheritance tax, there are still tax rules you need to understand to protect your wealth and avoid unexpected liabilities. Understanding the tax implications of inherited assets is essential to protecting your wealth and making informed […]
20
May
May
Dividend investing continues to be a popular strategy among Australian investors, particularly those looking for a reliable income stream and steady wealth accumulation. As 2025 unfolds, high-yielding dividend stocks on the ASX remain a cornerstone of many portfolios. This guide explores what dividend stocks are, how to select the best options, and which companies stand […]