Imagine missing out on being able to add money to super – and a tax-free pension at retirement – simply because you didn’t know the rules around adding to super. Luke takes a deep dive into this topic to help you make the most of your pre-retirement planning and retirement. Of course, if you need help, please seek financial planning advice. 

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• People make all kinds of assumptions around adding to super without knowing the facts, so who can add money to superannuation? 
• What are the two ways of getting money into super and how much can you put in?
• Are you eligible to put money into super?
• Did you know the downsizer contribution also lets you get money into super?
• Transfer balance cap and total super balance still can cause confusion.
• Catch-up concessional contributions also may help you get more money into super.
• Once you start a pension you can’t put money into it, but it doesn’t automatically mean you can’t put money into a super account.
• Luke explores how to get money back into super if you’re in the pension phase. 
• The benefits of tax-free money in estate planning terms.
• Busting the free myth around running two accounts.
• Luke shares his tips on adding more to super. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with adding more to superannuation or retirement planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Misconceptions can cost you money and opportunity in your EOFY financial planning and retirement planning. Luke takes a deep dive into the issues and provides the facts to help inform better decisions about your finances. Of course, if you need help, please seek financial planning advice. 

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key misconceptions covered include:

• I’ve retired from the workforce, so I can’t add more into my super.
• I can’t claim a tax deduction for putting money into super if I’m not working.
• I need to put money into super to lower my tax if I’m working.
• My super balance is over 500, I can’t make a contribution to super.
• I can’t put money from a pension back into super.
• My kids won’t pay tax from my super when I die.
• Self-managed super funds are expensive and hard to run.
• I don’t have $20,000 to start investing, so I can’t start.
• We’re not going to get any Centrelink, because I’m over the asset’s threshold.
• I have a Will that takes care of all of my assets. 
• Does balanced mean balanced – 50% growth or 50% defensive inside my super – What are you actually invested in?
• Luke shares information on where to get more information. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with EOFY Financial Planning or Retirement Planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Super Splitting is perhaps one of the most underutilised strategies Australians fail to consider as part of their retirement planning. It’s important that you take the time to consider your options and strategies, to help you reach your retirement goals more confidently. 

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is Super Splitting and how much super can you split?
• What would you split your superannuation with your partner? 
• How often can you split your superannuation? Is it once-off or do you have to do it yearly?
• If you super split, does it impact their threshold to make tax deductible contributions? Good news, it doesn’t!
• What happens to super splitting contributions if your relationship broke down?
• Super splitting and the transition to retirement strategy may be an option you consider too
• What might you use the tax-free money for? Pay off the mortgage. 
• Are there other reasons why super splitting might be a useful strategy? 
• It’s important you know the caveats around this strategy so you use it correctly.
• What are the steps you need to follow to split your super with your partner?
• Also think about your asset allocations when you super split. What is it now? What will you be in your partners super account?
• Luke shares his key strategy tips around super splitting. Seek financial advice if you need help. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with super splitting or planning your retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Events in the world can affect financial markets, and that’s happening right now. This can feel unsettling. Ongoing conflict in the Middle East, along with uncertainty about what the US President may do next, is putting pressure on markets. So, as an investor, what should you do?

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• In times of volatility, what do you need to remember? 
• It’s probably affecting us more this time because of rising fuel prices, but the middle east has been in conflict before.
• Remember your investment portfolio and superannuation are long-term vehicles, both outlast a US President, a war and any one economic policy.
• Check your performance not only this month, but the past year and the longer-term.
• Remember price is a reflection of sentiment at a point in time. 
• Dollar cost averaging is a great strategy you might consider.
• Plan and accept things are going to cost more this year into your budget.
• The RBA might also continue to increase interest rates if prices rise, in an effort to slow inflation.
• Keep in mind your asset allocation and risk profile, and if you don’t know your asset allocation take a look and see how growth orientated or defensive orientated it is. Balanced options in super funds are rarely balanced – they are more often than not skewed to growth.
• The danger of selling out and missing the recovery.
• Diversification still matters in 2026.
• Think strategically, is it time to buy? Look at individual investments if you need to. 
• Luke believes that your time horizon should be linked to your life, not your retirement age – and he explains why. 
• Luke shares his top tips to think about times like this and some practical steps you may consider. Seek financial advice if you need help. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to make the most of your retirement and financial plans amongst the 2026 market volatility?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• We know under the current rules, there’s a concessional contribution cap on how much you can put into super and claim a tax deduction. It’s currently $30,000 a year which can be made up of your total employer contributions as well as your own. 
• From 1 July it will increase from $30,000 to $32,500.
• What are the opportunities for you?
• Remember you can put money into super if you’re under 67 and use this!
• There’s also a change to the non-concessional contribution limit. This is money you put into super without claiming a tax deduction.
• When do you use this type of contribution?
• From 1 July 2026, the non-concessional contribution limit will increase from $120,000 to $130,000.
• Where are the opportunities for you?
• Remember the downsizing legislation is separate from the non-concessional contribution legislation.
• From a pension perspective, the Transfer Balance Cap is also increasing from 1 July 2026.
• Why your Total Super Balance Matters.
• Luke shares his top tips to think about the changes and your own situation – seek advice if you need help, it’s complicated.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to make the most of the new superannuation rules and your retirement plans?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What are the CGT rules now?
• The change that’s most commonly proposed around the 50% Capital Gains Tax Discount.
• Don’t react to noise – a lot of proposals never get passed.
• If you make decisions based on tax alone, you’re probably not going to make good investment decisions.
• Implementation of tax changes can be challenging – when should Government start it?
• What might the Capital Gains Tax change look like?
• Should there be a grandfathering period to help people make decisions and adjust to the change?
• Will CGT changes really impact house prices?
• Will Negative Gearing also be affected?
• How can we increase supply and reduce costs of supplying of new homes?
• Luke and Rhys share their tips to help you start thinking about Capital Gains Tax changes within your own situation. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning or tax planning advice to help you step forward with confidence?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

If you’d like to speak with Rhys Kyburz at RSM Australia about tax matters, you can make an appointment to meet him on 6217 0300.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Do I just cash out my superannuation and put it into the bank? Yes you can if you want to pay tax! 
• What’s the better way to turn my super into an income stream and have that income be tax free?
• A pension is the most tax effective vehicle in the superannuation environment. 
• When Luke talks about pension here, he’s talking about a pension from your super, not the Centrelink aged pension.
• What are the benefits of a pension from your super?
• What are the common questions Luke gets about retirement, super and pensions?
• How much are you required to take from your pension account each year?
• You probably have cashflow and tax planning strategies available to you at retirement. Do you know what they are and how to use them?
• How often do you need to take a pension payment?
• Why is it important to understand the different between a lump sum payment and a pension payment and how you take it out?
• How do you start a pension? How old do I need to be?
• Your preservation age (60, for people born after 1 July 1964) is not the same as your Centrelink eligibility pension age (67, as of 1 July 2023). You might be missing out on opportunities that you don’t even realise this thinking you have to wait until you’re 67. 
• Perhaps you could access your super as a pension and pay off your home loan while another partner doesn’t give up work. 
• Did you know that if you reach age 65, you don’t have to stop working if you don’t want to – but you can pull-out tax-free money from super.
• How can you use the rules to your advantage? Luke talks about some of the strategies you might put to use to help you reach your goals.
• Can you still add to superannuation if you have started a pension? It’s good strategy to help mitigate capital gains tax on sales outside of super. 
• Can you stop a tax-free pension once you’ve started it?
• Luke shares his tips to help you start your retirement planning and pension journey.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice for your own tax-free retirement? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• People, including kids, are a product of their environment. What environment will you create for your kids when it comes to money?
• Language, information and behaviour should be positive and reinforced over time.
• A little savings plan is a good way to start; it provides principles in practice and gives them a connection with financial decisions and outcomes.
• Can technology help?
• There’s a benefit to savings repetition, without an end date in mind – sure you can save for a specific thing, but you can also teach them to be long-term savers and investors.
• Compound interest has really good positive benefits in the long-term. Luke gives an example. 
• There’s a real financial benefit of starting something for little ones when they arrive. Equally, it’s never too late to start. 
• Engage the kids, don’t just do it for the kids without involving them. This keeps them uneducated. 
• Luke believes if you’re simply given money or inherit it, most people will behave differently, to those that earned it. And while young kids might not understand the full mechanics, they learn something about it at an early age. 
• You can then build on these early learnings. For example, when they do get a job, they can add their own savings and take more ownership. 
• Remember you can amend what you save to invest at different stages of life. 
• Luke shares his tips to help you give your kids the greatest start in life financially.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice for your own financial goals? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• You can put in $30,000 a year into your super under the concessional cap. With indexation, this amount will rise to $32,500 from 1 July 2026. 
•  What are the rules to using the concessional contribution cap?
  • You have less than $500,000 in your super account at 30 June of the previous financial year
  • You are able to look back 5 years to see what concessional contributions you haven’t used in each of your annual limits and use them.
  • You don’t have to use all of your catch-up amount in one go, you might space it out over a couple or more years.
• By using this concessional cap space, you’re able to receive a larger tax deduction.
• It’s important you think about using this opportunity as part of your overall financial plan. 
• Why might you use this opportunity?
  • If you have a large capital gain from the sale of an investment property, you could offset some of that tax liability with a tax deduction from a super contribution.
  • It’s a good opportunity for stay-at-home parents who haven’t been working, when they come back into the workforce to bolster their super. This allows them to catch up on the contributions they’ve missed out on and get a tax deduction. 
• When might this strategy not be the best course of action to take? 
• What other situations might this opportunity be advantageous?
• What mistakes to people make with this strategy?
• If your balance is approaching or over the $500,000 at the 30 June or approaching 30 June, which stops you being eligible to use this opportunity, is there anything you can do to lower your balance? There are a few strategies you may consider if you’re eligible to use them. This includes taking money out of super if you’re eligible to withdraw funds and paying off your mortgage.
• Luke shares his tips to help you understand catch-up concessional contributions and use them as part of your financial planning. And don’t forget to lodge your notice on intent to claim the tax deduction! Without it, you won’t get your deduction. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your catch-up contributions, super and retirement? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Many people look at their numbers and can’t figure out why they’re not getting the amount that’s on their paperwork. 
• What is a Transfer Amount in the PSS?
• How do I work out what my Transfer Amount is?
• Where did my Transfer Amount come from?
• The PSS has special retirement rules. You can start a pension or take a pension and lump sum from the PSS at age 55.
• What financial planning options are available to you if you have a Transfer Amount?
• It’s important to know your concessional contribution limit if you plan to use a second super fund and seek a tax deduction for your super contributions to it.
• You can start a concessional contribution strategy with a second super fund of your choosing.
• If you’re over 60, you can rollover the Transfer Amount to start a Transition to Retirement strategy, outside of the PSS, with that money. This strategy is not available inside the PSS.
• Of course, you’ll need to select a normal super fund (an accumulation fund) outside of the PSS to implement these strategies. 
• It’s important to note that the Transfer Amount, and what you do with it has no impact on the calculation of your benefits at retirement with the PSS.
• What are the issues you may consider when selecting another super fund?
• You can fund personal insurance in a super fund outside of the PSS too, using your Transfer Amount as a basis for starting that new fund. 
• Luke shares his tips to help you understand the Transfer Amount and consider your options. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with retirement planning in the PSS or what to do with your Transfer Amount? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is the Transfer Balance Cap?
• How much is the cap in 2026? What will it be indexed to on 1 July 2026?
• When is the Transfer Balance Cap triggered? It does not impact you if your money is still in super and it does not impact you if you start a transition to retirement legislation. 
• What makes up the cap? Defined benefit schemes are considered towards your Transfer Balance cap.
• How do I work out how much my defined benefit scheme impacts the cap?
• Not everyone will have the same Transfer balance cap, remember it is only triggered when you start your pension. Therefore, a person who started a pension three years ago will have a different transfer balance cap to a person who started one today. This means you need to understand the rules as they apply to your own situation – not someone else’s situation.
• And while the Transfer Balance Cap is indexed each year, it doesn’t mean you get the full indexation applied to your own cap. Many people fall into the trap of thinking they are eligible for the full amount of indexation when they will not be. Let’s just say you have used 90% of your cap in the year of starting a pension. This means there’s 10% left. It also means you are only eligible for 10% of the indexation. 
• Remember, Total Super Balance rules deal with how much you can put in, Transfer Balance cap rules deal with tax when you start taking it out in retirement.
• How is the tax relating to the Total Super Balance actually calculated? It’s not as bad as most people think!
• Why is it important to get advice on this for your own retirement planning?
• Luke shares his tips to help you understand the Transfer Balance Cap.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to work out your Transfer Balance Cap and how to manage it?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• In past show’s we’ve talked about how much money you can put into super.
• You can put in $120,000 tax free as a non-concessional contribution or 3 times that amount.
• This is a great opportunity to boost super if you’ve inherited some money, sold an asset or want to boost a partner’s super balance before retirement
• But there is a limit on how much you can put into super using concessional contributions; that’s the role of the TSB.
• The total super balance is now $2 million.
• This means once you reach that amount, you’re not longer eligible to make non-concessional contributions to super.
• Therefore, you need to check your balance to see if you’re eligible to contribute using non-concessional rules. Many people fail to check.
• You can however still make a concessional contribution to super, even if you’ve reached $2 million.
• Total Super Balance is not the same as Transfer Balance Cap – the two terms are often confused. Total Super Balance determines your eligibility to make concessional contributions to super, while the transfer balance cap determines what tax, if any you might pay on your super.
• What strategies can people consider if they’re close to the $2 million total super balance?
• Couples should make use of the rules, to ensure both make the most of their individual TSB amounts.
• Making concessional contributions is important for estate planning too, especially for adult children who benefit from your super or pension.
• Those with defined benefit funds should also be aware the TSB rules apply to them; defined benefit funds are not exempt and have an amount recorded against them for the total super balance. Check with your fund to find out yours or in your Mygov account.
• If you’re going to hold money outside of super, consider a family trust alongside your super or pension income.
• Luke shares his tips to help you understand the TSB and make the most of your concessional contributions.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to work out your Total Super Balance or start retirement planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Did you know you can also use the transition to retirement strategy to boost your super and save tax?
• The transition to retirement strategy can provide the funds you need to make a tax-deductible super contribution.
• Everyone can make a $30,000 dollar contribution and get a tax deduction. This amount includes the contributions made from your employer.
• As an example, if your employer puts in $15,000 into you still have $15,000 free to make your own contribution and get a tax deduction.
• The are some rules around accessing the transition to retirement strategy, including you need to be over 60.
• If you’re over 60, money taken from your transition to retirement account is tax-free. You don’t pay income tax on it.
• Check that your super fund offers a transition to retirement option.
• You need to still keep a super fund open for your employer contributions and your contributions which are eligible for the tax deduction.
• What if I haven’t used my $30,000 limit in the past, is there a way to catch up? Yes there is! 
• The tax benefits for the catch-up contribution rules can be significant; tax is only 15% for super. Many people pay more than double that amount on the income tax on their take home pay each year.
• Can I use the salary sacrifice strategy to get the same result? No not always, it really depends on your situation.
• Apart from topping up my super, can I use the transition to retirement income to pay off a mortgage?
• The transition to retirement strategy can also be used to lower your super balance under 500k, so you have the ability to get more in under the rules.
• While the rules are complicated, there’s good financial planning opportunities to consider so think about your options.
• Don’t forget to lodge your ‘Notice of intent’ if you wish to claim a tax deduction for your super contributions, with the super fund you made the contributions too. 
• Luke shares his tips to help you explore and start a transition to retirement pension to boost your super and save you tax.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to transition to retirement or retire fully in 2026.

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Do you have the return to workplace blues? 
• The transition to retirement legislation is a great way for you to work less hours and top up your income from your super while you still work.
• How does the strategy work to help you replace your income from working a shorter work week?
• How do you start a transition to retirement from your super?
• How old do I need to be to use this strategy?
• How much income (pension) do I need to take from a transition to retirement pension?
• You also need to have a conversation with your employer, to see if they’ll agree to you having a shorter work week!
• If you take the maximum (10% of the account balance), which may be higher than what you need to replace your income, you may do several advantageous things with it, like putting it into an offset account to reduce your mortgage repayments, you could also put some back into your super and claim a tax deduction if you’re eligible to do so. You might also pay down debt with it.
• Can I still use this strategy even if I don’t reduce my working hours? Yes you can! It’s a good way to pay off the mortgage for you too.
• Can the strategy be used if you’re in the CSS or PSS?
• Can the strategy be used in a self-managed super fund?
• Do you need to change your underlying assets to use this strategy? 
• How do you start a transition to retirement pension?
• Luke shares his tips to help you explore and start a transition to retirement pension. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to transition to retirement or retire fully in 2026.

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Measure your expectations and then take action that is sustainable.
• Knee jerk changes don’t work in the medium and longer term, so don’t try and do too much too quickly.
• Start by thinking about where you want to go over the next 12 months.
• Break the action down into smaller bite size chunks.
• What have you got coming in, what have you got going out – understand where your money is going.
• Look at your results on quarterly basis – not monthly, give yourself time to work towards the bigger goals.
• Beware of social media – it’s a highlight reel of people’s life, you don’t actually know how they pay for it!
• Micro investing apps are a great way to start investing and you don’t need much to start.
• Work with your partner, if you’ve had one, get on the same page and do it together, it’s easier with you both going in the same direction.
• Work towards your goals at a pace that works for you.
• Removing the waste and the clutter – is a great way to also make a few dollars by selling what you don’t need.
• Think about how automation can help you reach your goals, like setting up a savings plan or investment with regular contributions. 
• Luke shares his tips to help you step forward in 2026.  

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice to help reach your 2026 goals?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Good news for employees this year, your employer contributions rose to 12%, helping you save more for retirement.
• The transfer balance cap and the total super balance both rose to $2 million dollars. Why is this important?
• The proposal to tax unrealised capital gains was quashed. An increase tax was however passed on super balances over $3 million.
• Downsizer legislation changed this year, it’s now available to those 55 and over, (it was 60 previously)
• The super guarantee threshold was removed, even low income / part time workers are now eligible to receive super.
• Converting preference shares are being phased out by APRA.
• Contribution limits to super are still low, which is disappointing.
• Don’t worry about proposals until the legislation becomes real. Governments will always float ideas. 
• Sharpen up your spending in 2026, know where your money is going. 
• Luke shares his tips to help you reflect on 2025 and think about your go forward for 2026. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Has your financial life met your expectations in 2025? Do you need advice in 2026?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• I’ve retired and I can’t add any more to super. So that option closed to me. That’s not correct! 
• Can I start a new pension if I already have one? Yes you can and there might be good reasons to do it.
• Can I stop a pension once I start it? Yes you can, you could roll it back to super, add more money in and re-start a new pension.
• If my super balance is over 500k today, I can’t use the catch-up legislation, that means I’m not eligible – not true, 30 June of the previous financial year is the balance they consider.
• I can only make a contribution of 10% to PSS Super. That’s not correct, you may make a contribution to another super fund and get a tax deduction too.
• My kids won’t be taxed on my super if I pass away. If they’re adult children, they will.
• If I don’t want an industry super fund, I have to get a SMSF – no there’s another option, a retail personal super fund.
• SMSF’s are the most expensive option when it comes to super – with a high account balance they’re actually the cheapest.
• My Will looks after my superannuation if I pass away. No correct, you’ll need to get a death nomination from your super fund. 
• I need to combine all my super into one fund. No there are reasons to have more than one, depending on your goals which might also include insurance and estate planning.
• Luke shares his tips to help you navigate financial planning matters. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help sorting out your own financial planning opportunities?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Yes you can gift anything to anybody you want
• Is gifting a tax event? Is there a gift tax in Australia?
• If you sell an asset to gift you might be liable for capital gains tax.
• Should you give a financial gift or should loan it to them instead with a proper agreement?
• What are the implications of gifting from a Centrelink perspective?
• What are the Centrelink gifting rules?
• You might be assessed as owning the asset, even though have gifted it, in the eyes of Centrelink.
• Even though Centrelink will want to know about loans you make, having formal paperwork offers you protection should a breakup occur for example between your child and their partner if you were to lend them money to buy a home.
• Does moving money between spouses trigger gifting rules? The answer is no!
• Why might you gift between spouses?
• If you’re not retired, be mindful of what impacts gifting to children will have in the future on your Centrelink entitlements.
• Remember there’s also benefits to a part-pension even if you’re not entitled to the full aged pension.
• Remember gifting has a wide definition in the Centrelink rules.
• Luke shares his tips to help you navigate gifting to your spouse and your children.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help assessing if gifting is the right financial decision or how you might do it?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

But before they start the show Luke and Leon have a quick chat about the new Bureau of Meteorology website which cost taxpayers $98 million dollars! Let’s hope someone is held accountable for this outrageous waste of public money. 

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• If you’re over 60 your super is tax free – but only for you! 
• Luke shares the experiences in his office where there’s client disbelief about such a tax on super could exist! 
• How does tax on super work?
• Remember that are two components of super in tax terms, a taxable component, and a tax-free component.
• The taxable component is the one you need to pay attention to in regard to tax when you pass.
• How do I find out what my taxable component is?
• The tax applies to those who are over 18 and are non-dependant.
• How can I turn the taxable component into a tax-free component? It’s a little tricky but not impossibly complex.
• Essentially you make use of the re-contribution strategy. 
• How much can I put back into super so it will be a tax-free component? 
• Make sure you re-contribute it as a tax-free contribution.
• Luke provides an example of the strategy in action. 
• Remember, when you start a pension the tax outcomes are locked in depending on your components.
• It therefore is important to plan sooner rather than later! 
• Can you have a second super and second pension account – Yes you can and it makes sense in the case of the recontribution strategy. 
• Luke shares his tips to help you navigate the tax on super issue and using the re-contribution strategy. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help planning your super, retirement and estate planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to an estate planning solicitor within his network at no cost. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

But before they start the show Luke answers a listener’s question: Can I withdraw money from my transition to retirement pension, place it in a bank account and gift it to my children? In short, yes you can!

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is the difference between the income test and the asset test?
• What does the asset test include?
• Remember the family home is exempt!
• If you have an investment property the value less any debt on the property is recorded as an asset.
• Under the asset test, what total assets can you have as a couple?
• Remember, this test gets indexed. While you may not be eligible today, you might be eligible in a year of two.
• A part pension still provides you with the other benefits on offer!
• Which test determines what pension you get? Is it the Asset test on the Income test?
• How does gifting money affect your age pension entitlements?
• Do gifting rules apply to a spouse?
• Does my younger spouse’s super form part of the Asset test?
• What does deeming mean and how does it affect Age Pension entitlements?
• Understand the impact of downsizing and how it impacts before your Age Pension before you make decisions. 
• Luke shares his tips to help you understand how the Asset Test works when you apply for the Age Pension and some strategies you may consider.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with strategies and planning for your retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to an estate planning solicitor within his network at no cost. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is a binding nomination in your super?
• Who can you make a binding nomination to?
• What is a non-binding nomination in your super?
• Why would you choose one over the other?
• Most people don’t realise that your Will has no power over your super.
• Remember tax issues when you’re estate planning
• How does a non-binding nomination work?
• Can I direct my binding nomination in my super to my Will?
• Tax planning is also an important part of your estate planning.
• Blended families and kids at different ages throw up estate planning challenges, but they can be solved with the right advice. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help managing your financial and estate planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to an estate planning solicitor within his network at no cost. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Markets go up and they go down.
• But how well do you know what risk you’re carrying inside your super?
• A balanced investment option might not actually be balanced in terms of defensive and growth assets, that is 50:50.
• Has your investment portfolio been set and forget? 
• Is it time to explore what you’re invested in?
• When markets pull back, what will you lose if you’ve been complacent.
• Look at the pie chart where your money is invested from your super provider
• Growth assets include international shares, Australian shares, property, infrastructure
• Defensive assets include cash, fixed interest, international fixed interest and the like
• If we do see a pull back, International and Australian shares could see declines given how well they’ve been performing
• When reviewing assets remember to think about diversification – volume is not diversification
• Remember you can also change what future contributions are made to, so you could start bolstering defensive assets if you felt that was appropriate for your risk management.
• Luke shares his top tips when thinking about your asset allocation and reminds us that asset allocation management is an ongoing concern. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help managing your asset allocation in super, investments and retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Share markets have been performing well, much better than average returns.
• When share markets are high, it’s hard to find value when buying shares.
• Is now the time to take some profits?
• What are the dangers of set and forget investing?
• Unexpected events can cause large swings in value when stocks have been trading high.
• How much of your assets are tied up in one investment? 
• If you do sell down some funds, where will you put the available cash next?
• Can you de-risk your portfolio?
• If there’s a correction, can you buy back what you’ve sold when it’s cheaper?
• How do you make the most of the money you take from profit?
• What strategies should I consider when taking profit?
• What about capital gains tax? How can I reduce the tax?
• How much money should I keep in cash?
• What about covid like events? Can your investment portfolio better weather market events.
• Luke shares his top tips when taking profit and managing your investments when markets are performing well. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help managing your investment and retirement savings?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key misconceptions covered include:

• I can’t add to my super if I have retired
• I’ve reached my transfer balance cap, so I can’t put more money into super
• I can’t claim a tax deduction if I’m not working for my super contribution
• If I have a capital gain tax issue on an investment I’ve sold, I can’t claim a tax deduction for a super contribution
• I can only make a contribution to the PSS if I’m a member of that fund
• I can’t claim a tax deduction for a super contribution if I am a member of the PSS – there is a strategy around this!
• I want to leave my super to kids and they won’t pay tax on it when I pass
• An industry super fund will allow you to control franking credits and income
• A self-managed super fund is expensive
• I need at least $10,000 to start investing
• Estate planning myths
• And a whole lot more!
• Luke shares his top tips when managing your finances. Seek advice and apply the rules that apply best to your situation. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help exploring your financial planning opportunities?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Does you super fund offer life insurance and do you have it?
• Life insurance cover can be held inside of super and also in your own name.
• The outcome however is not the same and if you think it is, it’s a wrong assumption! 
• A good place to start is to think about why you want life cover. What peace of mind and financial benefits should it provide?
• Should you have it inside super or outside of super?
• What are the benefits of holding life insurance inside super?
• Can you hold life insurance in a policy and get your super fund to pay for it?
• Are there risks of taking a policy out from the TV?
• You need to think about where and to whom the money will be paid. There are very BIG tax issues to consider that most people do not!
• Is there a way to structure life cover so your beneficiaries don’t pay tax for non-dependent children?
• You need to think about life cover as a living issue, children grow up. When they turn 18 they will be considered non-dependent children and be liable for tax if the policy is held inside super.
• Review your cover annually to take into consideration your changing needs and situation.
• Do you have the right estate planning document in place, for example, a Testamentary Trust in a Will.
• Do you have binding or non-binding death nomination in your super? Has it lapsed?
• Good estate planning advice can get you better outcomes than you can achieve by yourself.
• Can you have life cover inside your super and outside of your super? Or can you only have one option?
• Luke shares his top tips when considering life insurance cover. Seek advice and apply the rules that apply best to your situation. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help planning your life cover properly?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What do you need to do to access your super? You need to meet a condition of release.
• At retirement, you don’t need to cash out your super at retirement
• You simply switch hats, from an accumulation hat (money going in) to a pension hat (money coming out)
• Did you know once you start a pension from your super, the tax on your money fall from 15% to 0%.
• That’s right, earnings on the pension from you super are tax free in retirement.
• Equally, you can sell investments in the pension phase and there is on capital gains tax either. 
• You can start a pension from you super by talking to your super provider to see if they offer a pension from super product – an account-based pension
• Yes, there’s paperwork to start a pension from super so you will need to complete some forms
• How often would you like your pension paid to you? 
• Is there a minimum amount of pension income you need to take each year? 
• If you haven’t fully retired, you can still take some money from your super, it’s called a transition to retirement
• Can you use a transition to retirement strategy to pay off the mortgage with tax free money?
• What are the benefits of bolstering your super before you retire?
• What if you want to take all the money out of your super or pension, can you? 
• Are transition to retirement pensions tax free too, if you’re not fully retired?
• Luke shares his top tips when considering turning your super into a transition to retirement pension or account-based pension.  

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help starting a pension from your super?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Luke begins the podcast by asking listeners to ask the right questions – “How much do I need in super to retire?” isn’t a great question. 
• Ask “What do I need to generate retirement income?” rather than “How much do I need in super to retire?”
• Think more wholistically about the ways you can generate your retirement income.
• Superannuation is just one resource. What other resources do you have? Eg, Investment property, business interests?
• Is it also time to re-think part-time employment as part of your retirement to earn an extra $25k? It’s often easier solution than saving $500k more into your super.
• Everyone wants their super to keep going up with high positive returns, but it’s important to remember there will be periods where this doesn’t happen, given the kinds of assets your superannuation is invested in.
• Also think about role of investment properties in retirement, and in particular, how much income it generates.
• The best question you can give your financial planner is “This is how much I need to live on in retirement”.
• This question allows someone like Luke to work backwards and think about the strategies they can use to help you achieve your desired result.
• People seek advice for peace of mind and clarity; they also realise that somethings might need to change between now and retirement to achieve their goals. 
• When it comes to generating income there are two questions you should ask of your investments – Why have I got it? What’s it doing for me?
• There are really important questions for those who have investment properties, you’ve probably made a great capital gain, but how’s the income looking? 
• Luke shares his top tips to consider when thinking retirement planning. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with retirement strategies to achieve your retirement income needs? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Some people who salary sacrifice worry their employer isn’t doing the right thing, and wish there was another way.
• Good news there are other ways to get money into your superannuation!
• Did you know you can use your own money from any source to make a contribution to super and get a tax deduction?
• How much of a tax deduction can you claim?
• Both salary sacrifice and personal deductible contributions to super will give you the same tax outcome.
• Why might you choose to make a personal deductible contribution rather than salary sacrifice?
• Did you that you can do both: salary sacrifice as well as personal deductible contributions to super?
• When might salary sacrifice might be the better option for you?
• How do you make a personal deductible contribution to super?
• How do you claim a tax deduction for a personal deductible contribution to super: “Notice of intent”
• Lodge the Notice of intent with your super fund, keep copies of correspondence for your accountant.
• Do you need to lodge a notice of intent for what salary sacrifice that you do through your work? In short, no you don’t.
• Luke shares his top tips to consider when making contributions to your super.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with strategies to boost your super and retirement savings? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Alot of adults have out-of-date estate planning documents and no Will at all.
• This podcast is a good reminder to revisit your estate planning and consider if a Testamentary Trust should form part of your Will.
• Your Will directs what happens to all of your assets but does not include your superannuation or pension from superannuation.
• What is a testamentary trust and what does it do?
• What are the benefits of including a testamentary trust for your children?
• Is the solicitor asking you the right questions when setting your Will?
• Is your solicitor a specialist in family and estate planning law?
• Luke provides an example of what happens to adult children when they inherit.
• Binding nominations in your superannuation also need to be properly considered as part of your estate plan.
• Should your binding nomination be payable to your estate rather than specific beneficiaries?
• A testamentary trust cannot be added to your Will after the event, so if you don’t have it, your beneficiaries will miss out.
• Luke shares his top tips to consider when considering estate planning, Wills, and Testamentary Trusts.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need a Testamentary Trust as part of your Will?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Maxing out your super contributions is great savings behaviour – HOWEVER it might not be your best strategy!
• How much tax do I pay on super contributions if I claim a tax deduction for them? Answer: 15%
• It’s important to understand what your income is, and how much income tax you pay?
• A person with a lower taxable income it might not get the tax deduction they think they’re getting if they claim a tax deduction for their contribution.
• It can be better from a tax perspective to just make a personal contribution to your super and not claim the tax deduction.
• Luke shares examples at $50,000 income and $100,000 income, and these have different strategy outcomes.
• Understanding your taxable income is key to help you understand the tax you pay.
• A non-concessional contribution is a super contribution where you don’t claim a tax deduction.
• A concessional contribution is a super contribution where you do claim a tax deduction. 
• If you have sold an asset and have a capital gain tax liability, a concessional contribution (tax deductible super contribution) may be beneficial to help you manage that tax liability. 
• Luke shares his top tips to consider before making tax deductible contributions to your super.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you making the most of your contributions to super given your taxable income?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Should I buy an investment property? It’s a common question Luke is asked as they look to grow their wealth.
• Many are biased towards property because they can touch and feel it, thinking it’s a risk-free investment – it’s not!
• An investment property might not be your best investment to fund your retirement. 
• How much do you need to live on in retirement? What income do you require?
• What are the pros of investing in a property?
• Is negative gearing really worthwhile?
• What the cons of investing in property?
• Is depreciation really worthwhile when compared to tax liabilities down the track?
• Why is it important to have a cash buffer if you buy an investment property?
• Investment properties are also considered an asset for Centrelink purposes at retirement.
• Luke shares his top tips to consider before buying an investment property.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you considering your next investment? Would you like some advice before you make a big decision?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• A MINI won’t pull a horse float – what does this metaphor mean in the context of financial planning?
• We buy cars for certain reasons, we also need the right super fund for certain reasons. 
• It’s about features and options, like cars, the same can be said for super funds.
• It’s not about disliking one type of super fund (for example an industry fund, personal fund or SMSF), it’s about choosing the right fund for your needs.
• What are the differences between super funds?
• What are the steps to selecting the right super fund? Use this format: Strategy, Structure and then Investment purchases.
• Does balance impact the choice of super fund you have?
• Luke shares his top tips around selecting and using superannuation funds to best effect.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you have the right super fund working for your retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to a mortgage broker should you wish to re-structure your loan or compare the market. Your current bank will never compare the market for you!

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is the PSS – or Public Sector Superannuation Scheme?
• Are there any other government super schemes?
• How generous is the PSS? Should I contribute to it?
• The BIG myth: “I’m in the PSS and I contribute, that’s all I can do”. 
• Don’t forget about concessional contributions limit amount of $30k. Page 5 of your PSS statement will show much you’ve already used. 
• You can contribute to another super fund, up to your concessional contribution limit, and you can claim a tax deduction for that amount each year! You need to make this contribution to another super fund (not the PSS, as the PSS doesn’t accept these types of contributions).
• How do I make a concessional contribution to another super account so I can get my tax deduction?
• Don’t forget to lodge your notice of intent to claim a tax deduction with this super fund.
• The PSS won’t tell you about this, because they don’t talk about other super funds.
• Are there any other opportunities around setting up a second fund I should know about it if I am a PSS member? 
• Luke shares his top tips around contributions and the PSS. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you really making the most of your super if you’re a PSS member or do you need retirement planning advice?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to a mortgage broker should you wish to re-structure your loan or compare the market. Your current bank will never compare the market for you!

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is the difference between principal and interest and interest only investment loan repayments?
• A principal and interest repayment will be higher than an interest only repayment, even when the interest only loan rate is higher.
• It pays to do the numbers in your own situation.
• Understand how your cash flow can be impacted under both repayment approaches.
• Is there another option to paying off an investment loan?
• How might an offset account help with interest only loan repayments? 
• How do offset accounts work in paying off the investment loan?
• What are the other benefits of using an offset account this way?
• Is it easy to change from interest and principal repayments to interest only repayments and add an offset account?
• Even though interest rates are falling, don’t think that a lower interest rate is always better – especially if you’re trying to manage cashflow and have the benefits of using an offset account, that is, access to your money.
• Luke positively challenges listeners to structure their investment loans correctly and make the most of their financial resources.
• The right solution depends on your personal goals and situation. Seek advice if you need help.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Is your investment loan structured correctly to help you make the most of your money?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to a mortgage broker should you wish to re-structure your loan or compare the market. Your current bank will never compare the market for you!

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• A financial planner can’t save you from yourself, unless you also put in some effort. The same advice applies to any professional that you work with, to ensure you have a good journey.
• While no body likes paperwork, it’s important to review any paperwork you are sent and get it back on time.
• If you’re given instructions on how to proceed, read them and follow them.
• If you need to sign paperwork, sign where indicated – and with a pen if requested to do so – some super funds and investment houses don’t accept digital signatures – and this is not something your financial planner has control over. 
• Make sure you’re confirm your appointments if you’re asked to by text or email.
• Instalment Tax and Capital Gains Tax is set and managed by the Australian Tax Office, not the financial planner, so be kind to staff if they need to talk to you about this topic and you’re not happy paying it.
• Luke explores other aspects of the advice process where clients can help.
• Luke positively challenges listeners to do their bit when meeting and interacting with their financial planner. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you ready to talk to a financial planner about your investment, super or retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Will I pay more tax if I return to work after I retire with an account-based pension? 
• What about if I returned to work and have a defined benefit super scheme? 
• Why might I go back to work after I retire, even on a part-time or contract basis?
• Can I get a tax deduction should I make a contribution to my super if I return to work?
• Don’t forget that if you return to work, you’ll need a new super account for your employer contributions, as you can’t put new money into an account in pension phase. Yes, you can have a super fund and a pension fund at the same time!
• Don’t forget about the rules around super contributions, they still apply to you even if you’re only working part-time or on a contract basis.
• Working part-time or contracting can also increase the longevity of your pension over time too.
• Luke positively challenges listeners to re-define how they look at their own retirement and live the life that best suits their needs.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to explore your own retirement options? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Employers are required to put money into super for employes. Click here for details on how much you should get.
• There are ways you can bolster your super too, other than via your employer.
• How much can you put it and get a tax deduction?
• The government has a limit on how much of a tax deduction you can get, it’s called the concessional contribution cap.
• What are the ways you can put money into super and get a tax deduction starting now? There are a couple of ways to do this!
• Don’t forget about the catch-up legislation, which is one way you can increase your current tax deduction for this year. Rules apply.
• Many people don’t realise that they can also put money into super without getting a tax deduction too. There’s also a limit on how much you can put in one year of $120,000.
• There is however another way to get more in, using the bring forward rules. This means you can put in up to $360,000 in one go, however, please check the rules to make sure you’re eligible. 
• You can also use the downsizer legislation, if you’re looking to downsize your primary residence. You can use money from the sale under the downsizer contribution to super rules. This way is in addition to all of the above ways too. 
• Why would you save more into super? Tax free income and earnings in retirement! This includes capital gains tax.
• If you’re an employer, the capital gains tax small business concessions are worth considering too, which can help you bolster your superannuation before retirement. 
• How do you start a tax-free pension from super?
• Luke shares his top tips to consider when looking at getting more money into super 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to get your retirement planning sorted for a tax-free retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Many people hear the word superannuation fund and think risk – that’s not right.
• Instead think of super funds like vehicles, they all have different strengths and features – industry super funds, personal super funds, self-managed super funds.
• What you do with the vehicle you have determines your level of risk.
• Specifically, risk is determined by how your superannuation is invested determines risk – it’s called ‘your asset allocation’.
• What is balanced? There’s no standard industry agreement or government regulation. A balanced label from one fund will have a different mix of growth and defensive assets to another!
• How do I determine what my superannuation is invested in?
• What are growth assets? What are defensive assets?
• How else can you manage risk in your retirement savings?
• What are the ways you can manage risk if you are approaching or already retired?
• Luke takes a deep dive into asset class and investment diversification
• Why being too defensive is also a risk.
• Luke shares his top tips to consider when looking at risk in your super and retirement savings.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to manage risk in your super/retirement and plan ahead?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• It’s a simple question but it can be complicated
• It shouldn’t be about a number, as the number will be different for everyone, so what do you need?
• It’s also not about having the same amount of money forever; you spend less as you age
• A good place to start is thinking about your fixed costs and ancillary costs, and Luke explains what they include
• What debt will you have in retirement?
• What resources will you have in retirement to fund what you need? Working part-time could also provide add to your income.
• How you generate your retirement income is a key consideration and there are different approaches
• How much should you draw down from your assets as an income?
• Travel and bucket list items are important too!
• The age you can access your super (Age 60) is different to the age you can access the Centrelink Aged Pension (Age 67). Centrelink can provide a stable source of income in your retirement too. 
• In summary, Luke shares his top tips to help you get started on your own retirement planning journey.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to start your own retirement planning? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Where do you start? 
• Do you have clarity on where you money is going and what your actual expenses are?
• Is there waste in your current spending? For example, do you really need 6 streaming services?
• Is there stuff in the garage or around the house that could be sold? There’s value in second hand like never before!
• Assess what fears are stopping you from making a start – challenge them and step forward anyway.
• Can you use automation and technology to start saving and investing?
• Why long term behaviours provide you with the benefits of compounding.
• If  you have no self control, consider using salary sacrificing to save for the longer term. 
• Start small with your new goals. Remember you’ve got to walk before you can run. 
• What happens if I have a partner who is raising kids?
• Luke challenges listeners to get started, even if you start with something small.
• In summary, Luke shares his top tips to help you get started.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help setting goals and financial planning strategies to help you move forward with more confidence?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What makes you eligible to start a pension from your super?
• Can you return to work after you retire and start a pension from your super?
• If I have more than one job, did you know that you could leave one job and still be eligible to start a pension?
• Do you cash out all of your investments to start a pension? No you don’t!
• How much super do you use to start a pension and how much will you get paid from it?
• How often can you receive a payment from your pension?
• Did you know the earnings within your pension are tax free and the income comes out to you are tax free?
• Did you know you pay no capital gains tax for asset sales inside a pension?
• Think about what might need to live on in retirement, it helps you set a goal.
• Is there a minimum you need to take from your pension as income over a year?
• How does a Centrelink aged-pension fit with a pension from super?
• In summary, Luke shares where to find more information.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help building your super, retirement planning or starting a pension from super?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Good behaviours – setting goals and habits – underpins success
• Do you know what you live on? Start by knowing where your money is going
• Once you know where it’s going, is there any waste?
• What could you do with that money you find? Remember you don’t have to start with alot
• Have you considered micro investing? Can you automate savings?
• Can a micro investing app help?
• Time is also your friend 
• If you’re closer to retirement, can you salary sacrifice into super to save, whist saving some tax?
• Set short term goals and reward yourself when you achieve them
• Think about the stuff around the house that you don’t use. Can you declutter and sell it?
• Lean into your strengths
• Luke shares his top tips to think about when setting goals and habits for the new financial year

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your super, retirement or personal financial planning issues?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

But before exploring this topic, Luke makes an appeal to anyone who works at Canberra Hospital to talk to reach out to him on a sensitive client matter. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• In previous episodes Luke’s spoken about deductible super contributions and starting a pension to fund those contributions
• But there are other types of deductions you might also consider at this time
• Can you pre-pay expenses which a tax deductible? Examples can include Interest on a margin loan, interest on an investment home loan, income protection premiums, self employed instant asset right off – up to 20k each year.
• Good accountants should be proactive in coming to you with these kinds of strategies. If you’re accountant hasn’t contacted you, then go and ask them now!
• There’s nothing wrong with getting yourself in the best position possible.
• How much money can you place into super and get a tax deduction for?
• Make the most of your catch up contributions and claim them too!
• Check your catch-up space with your super fund
• Not all super funds accept contributions right up until 30 June 2025, so check with your own fund as to their cut-off date. 
• Luke shares his top tips to think about as we approach the end of the financial year.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your super, retirement or personal financial planning issues?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is the super splitting? 
• What is the maximum amount of super concessional contributions you can split with your partner each year?
• What types of super contributions are concessional contributions (also called deductible contributions)?
• Can you use the catch up concessional contribution rules to split even more super? Yes you can!
• Why is it a useful strategy if you’ve married well?
• Why is it useful to super split to the older partner? Both partners might be able to pay off debt and retire sooner!
• Why is it a useful strategy to get your super balance down given the Total Super Balance rules?
• When do you split super?
• Does it stop my partner have the ability to make super contributions themselves if I super split?
• What happens to my split super if I was to get divorced?
• Can you use the transition to retirement rules with super splitting? Yes you can stack strategies!
• What do you need to do to split your super with your partner?
• Remember paperwork does take time to process so don’t leave it to the last minute as super funds get busy at the end of the financial year.
• Luke shares his top tips to think about when splitting your superannuation.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with the super splitting strategy to help you reach your goals sooner?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is a transition to retirement pension?
• How can you use it to fund a contribution to super this financial year (or next)? 
• How much of your super balance can you start a transition to retirement pension? 
• Do you pay tax withdrawing money from super? No! 
• Can you add it back into super and claim it as a tax deduction? 
• What else can you use the money for? Do you have a mortgage that needs paying off?
• Transition to retirement provides opportunities while you’re still working – even if you’re working full time!
• How often do you need to a payment from a transition to retirement account?
• How do you use it to reduce your working hours and supplement your income?
• Why is it important to keep a super account open, when you start a transition to retirement account?
• Can you start a transition to retirement pension if you’re in a defined benefit fund like CSS?
• How is your money invested in a transition to retirement account?
• Remember it’s a busy time of year for super funds so don’t leave your end of financial planning to the last minute!
• Luke shares his top tips to think about when approaching the transition to retirement strategy. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with end of financial year planning including your transition to retirement options?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is a personal deduction to super
• How much can you put into super, and get a tax deduction?
• What is a notice of intent?
• How do you complete a notice of intent?
• Once you’ve completed the notice of intent, send it to the super fund where you’ve made your personal contribution
• Should I keep the confirmation from your super fund? Yes, especially if the tax office asks  for proof!
• Can I claim a partial tax deduction for super contributions I’ve made?
• If I make more than one contribution to super over the year, do I need multiple notice of intent forms?
• What’s the benefit of saving super into a mortgage offset account and making a contribution to super before the EOFY?
• Luke shares the steps you need to complete to make a contribution to super and claim a tax deduction.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with end of financial year planning – the details do matter!

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is the difference between a deductible and non deductible contribution to super?
• How much deductible contributions can be added to super each year?
• How do I claim a deduction for my personal super contribution?
• How much non deductible contributions can added to super each year? It’s also called a non concessional contribution.
• Can I bring forward more non deductible contributions to add more now?
• Can I make up deductible contributions if I haven’t reached my limit in past years?
• What’s the benefit of a deductible contributions?
• What’s the benefit of non deductible contributions? 
• If I don’t work, can I make super contributions?
• Why is total super balance important?
• Why does tax matter inside super when it comes it estate planning?
• Luke shares his top issues to consider around making contributions to super.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with superannuation contribution strategies for your retirement or estate planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is your Total Super Balance?
• Why does your Total Super Balance matter when it comes to making super contributions?
• Why might you want to re-set your tax components on superannuation?
• How much can you put in as a non-concessional (or tax free) contribution?
• Don’t get Total Super and Transfer Balance Cap mixed up, they are two different things.
• Why might you want to make a non-concession (or tax free) contribution to your super?
• What strategies can it help you achieve?
• Luke shares his top issues to consider before making contributions to your superannuation.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about super contributions and end of financial year planning issues?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Surely merging funds will save fees? Not aways
• How are your fees charged?
• Are there costs of moving? Selling assets down may cause capital gains tax.
• Are you aware of your taxable components in super? Merging taxable and tax free funds can have negative estate planning issues.
• Surely fewer funds will make it easier to manage? Perhaps, but not all investment funds have the same investment menu.
• Don’t forget about insurance if it is attached to your super. If you rollover and lose your insurance, you might not get it back.
• What other reasons might you keep more than one fund? Things like estate planning are also important! 
  Luke shares his top issues to consider when you’re considering merging your superannuation accounts. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

To merge or not to merge? Seek super and retirement planning advice if you need help to assess your options and benefits

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• As 30 June approaches, people are looking for tax deductions
• If you have you reached your preservation age, generally age 60, you can access your super under a transition to retirement pension
• How much money can you take as a transition to retirement pension?
• If you’re over 60, you can take the money tax free!
• You don’t have to retire from work to access the transition to retirement pension
• You could use the money to help pay off a mortgage
• You could also use the money to lower your personal income tax through a personal deductible super contribution
• Setting up a transition to retirement takes time, so prepare now for 30 June and get your paperwork sorted
• You could also use the money for other financial planning strategies which Luke explores
• Luke shares his top issues to consider when you’re considering using a transition to retirement strategy.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with a transition to retirement strategy?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Luke has been hearing a lot of misconceptions around super contributions recently and many are missing out on opportunities to improve their retirement outcomes.
• Did you know you can make a contribution to super, even if you’re not working?
• Is there an age limit on making a contribution to superannuation?
• How much money can you put into super?
• Can you stop a pension from super once you’ve started it? 
• Can you start a second pension? Why would you run two funds – to avoid tax on your estate!
• If you’re self employed and sell a business how can I get money into super?
• What is the transfer balance cap?
• Can I still make a downsizer contribution if I have reached my transfer balance cap?
• Can I use a catch up contribution to super?
• What are the things you should not assume when adding money into super?
• Luke shares his top issues to consider when you’re considering making contributions to your super.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with superannuation strategy or retirement planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• When people think about super, they think about retirement issues, not insurance
• Insurance is however a part of the offering of most personal and industry superannuation funds
• A good starting point, is seeing what insurance you currently have in your superannuation
• Questions you should ask yourself when reviewing your insurance
• Insurance policies can be owned outside of super or inside of super
• What kinds of insurance cover do you have inside your super
• Your insurance needs will change over time, so your current cover may not meet your needs
• How long will income protection cover last for?
• How much will income protection cover pay you?
• If you pay for income protection outside of super, you get a tax deduction for it
• What is the waiting period for your insurance – that is the time before the will pay you?
• Life and TPD cover can also be inside your super – does the money come out tax free?
• Did you know you can have multiple claims on an income protection policy over your life?
• What are the important issues to consider around Total and Permanent Disability insurance?
• Why is own occupation the better TPD policy definition
• What is trauma cover? It can only be held outside of super however!
• Luke shares his top issues to consider when you’re considering using superannuation to fund your insurance needs

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with reviewing your insurance inside or outside of super? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Have you completed paying off your mortgage? Have you sold an asset? What’s next?
• The act of making mortgage repayments can be turned into a savings plan, which is a good financial behaviour
• If you’re not close to 60, you might be hesitant about putting money into super because you can’t access it
• What do you have that’s surplus to your needs?
• What percentage of that can you commit to savings?
• Consider which investment platform you might use?
• Which entity will you use to invest?
• What level of risk are you willing to take on? It will determine which growth and defensive assets you invest in, remember diversification benefits
• You can link a bank account to your investment platform for ongoing savings which can be automated ongoing
• What’s the benefit of dividend re-investing?
• Also remember the benefits of ongoing savings and compounding over time!
• You don’t need lots of money to start, you don’t need to become a trader to start investing.
• Luke shares his top issues to consider when you’re considering investing outside of super.  

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investing outside of super?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is super splitting or super sharing? 
• You can split concessional contributions – what are the types of concessional contributions people might have? 
• How much of your concessional contributions can you move to your partner?
• Is there a time frame on splitting super? Yes there is, it’s a use it or lose it strategy!
• What are benefits of it? How can you use it to your advantage?
• What happens if you’ve been using this strategy and the relationship ends?
• There might be benefits in splitting super with the partner with less money in their super, if the other is getting close to their transfer balance cap to lower their balance or close to $500k balance.
• Can you split catch-up concessional contributions? 
• Luke shares his top issues to consider when you’re considering the super splitting strategy. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with the super splitting strategy and planning your retirement for better outcomes?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• The PSS is the Public Services Superannuation Scheme – a government defined benefit super scheme
• Many members of this fund miss out on opportunities because they don’t understand how it works
• You’re able to ask the PSS for an estimate
• Misconception: I have to take a full pension from the PSS – this is not correct!
• Misconception: I have to take half of my benefit as a pension from the PSS – this is not correct either!
• Luke talks about the actual rules around retirement and the PSS
• You can ask for specific figures related to how much you wish to take as a pension
• It’s a big decision, once you make a decision, you can’t change it
• In the PSS you can access your benefits from aged 55 if you cease employment
• Can I change my mind and go back to work after I have retired with the PSS?
• As a member of the PSS you can still make a contribution to super, to another super fund
• Why contributing to the PSS is very worthwhile
• Luke shares his top issues to consider when you’re a member of the PSS.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help retiring and the Public Sector Superannuation Scheme (PSS)?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Reflect on where we’ve been recently…. a strong recovery and better than usual returns since covid
• Markets like consistency – not surprises and companies who haven’t met expectations will get de-valued
• Share prices and share earnings are not the same thing – markets are driven by sentiment
• The market pull back provides an opportunity to buy into the market at a more reasonable price
• A 2-3% yield in shares carries risk, so why not put that money and get it with bank interest and no risk, given current interest rates?
• Think about why you are buying it and what is it doing for you?
• Trump however is having an effect on world markets, including Australia
• Why would you sell now and buy back now?
• Why it’s important to look at your risk profile – a balanced investment option might not actually be balanced!
• Don’t forget about diversification, it can help mitigate volatility
• Stay rational – don’t panic – be patient
• Consider keep some money in cash as it provides certainty of income in the next 1-2 years if you’re retired
• Luke shares his top issues to consider navigating the Trump effect and marketing volatility

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help navigating the Trump effect and managing volatility?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Have you met a condition of release? This is a rule around when you can access your super.
• What are the two ways money can access money from super at retirement?
• Pension payments can very across different time frames.
• How much will you need to live on in retirement?
• Asset allocation and risk also need to be considered – consider the resources you have to generate the income you need
• Would you consider part-time work as part of your resources in retirement?
• Can really you work in retirement? How does that work?
• Remember, pensions from super offer tax-free income in retirement and are worth considering.
• Luke shares his top issues to consider around turning super into a retirement income.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you considering your own retirement plans in 2025?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is gearing?
• What are the three key ways you can go about gearing and how do they work?
• Gear an investment against a home or investment property
• Gear against a margin loan (also called margin lending)
• Gear using an investment asset that is internally geared (that is, it’s managed within the investment such as an Exchange Traded Fund or a Managed Fund)
• What is a margin call and what do you have to do when it happens?
• What is your asset allocation and why should you consider it when gearing?
• What time frame is appropriate for using a gearing strategy?
• What is your income profile and why does it matter?
• What is your true attitude towards risk?
• What is your loan to value ratio when using the gearing strategy?
• Luke shares his top issues to consider before you use a gearing strategy for your investment portfolio.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you considering using the gearing strategy to help you grow your investment portfolio?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• If you hear a financial tip, check it out from a reliable source before you take action.
• You can’t add money to super once you’ve retired – that’s not correct, there are ways to get money in.
• Can you stop a pension once it is started to add an inheritance or additional monies? Yes you can!
• Catch-up contributions – misconceptions around the date you apply to be eligible to use this opportunity
• I’m in the PSS – I can’t make additional contributions to super – that’s not correct!
• Kids won’t pay take on your super if you pass away – that may not be correct, depending on their age
• Industry funds will allow you manage franking credits – that’s not correct!
• Self managed super funds are the most expensive – that’s not correct if your balance is higher 
• I need to have ten to twenty thousand dollars to start investing – that’s not correct – you can start small
• My Will takes care of all my assets – that’s not correct for your superannuation, consider a binding nomination form
• A balance fund is not always balanced – check out your asset allocation, investment labels can’t always be trusted
• Your entire super fund is used to work out your asset test value for Centrelink – that’s not always correct if you have a younger partner!

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need some financial planning advice to help you move forward with confidence?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Shares and ETFs can play an important part of your investment portfolio
• What should you consider when assessing different shares? 
• Don’t forget to consider franking credits – either full or partial tax credits 
• ETFs can also play an important part in your investment portfolio
• What should you consider when assessing different ETFs
• ETFs are very cost competitive – check the internal cost ratio of your super fund to see what you’re paying
• How is a Managed Fund different from an Exchange Traded Fund? 
• Luke shares his key tips when considering shares and ETFs as part of your investments – including diversity!

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to select and manage your investments?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What are the components of your super?
• If you’re over 60 super is tax free for you, but it might not be not be for your kids when you pass.
• What is a taxable component of super?
• What is a non-taxable component of super ? 
• What is a dependent and a non-dependent child?
• How do you find out what your components are?
• What are the steps to solve this tax problem for non-dependent children?
• What are the benefits to using a new fund to re-contribute the withdrawn funds from.
• Luke shares his key tips when considering and managing this super and estate planning issue.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to manage your superannuation and retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is an in specie transfer?
• Does this cause a tax event like the sale of an asset would?
• What types of assets can you transfer using an in specie transfer?
• Remember your contribution limits, ensuring you’re eligible to make a contribution.
• Can you claim a tax deduction for an in specie transfer into super? 
• Timing could also play a part, it might be better to wait to you retire before you make the transfer
• How does capital gains tax work?
• Luke shares his tips around in specie transfers into super.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Is an in specie transfer the right super strategy to help boost your retirement savings?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is a transition to retirement pension?
• Can I reduce my working hours and top up the rest from a pension from super?
• How do you access your benefits on a partial basis?
• How much can you take?
• What other reasons might you use the transition to retirement strategy?
• Can I take the money out tax free over if I’m over 60? Yes!
• Can I use the money to pay down debt? Yes!
• It’s a good time to consider the purpose of rental property if you have one too
• Can you top up your account with salary sacrifice as you continue to work and get a tax deduction?
• Can I still work full time and start a transition to retirement pension?
• Do all funds offer transition to retirement?
• Luke shares his tips around transition to retirement pensions.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to assess if a transition to retirement is right for you? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week – the final show of the year. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is the Total Super Balance?
• If you’ve exceeded it, you generally can’t put more money into super tax free.
• Don’t assume you can put contributions in tax free – check your balance!
• You can however still make deductible contributions to your super, the $30k a year limit applies (this includes employer and salary sacrifice contributions)
• The downsizer legislation provides one opportunity to add more to your super too, regardless of your Total Super Balance – that’s one way around it! 
• Remember, Total Super Balance applies at the previous 30 June, not the date you seek to make your contribution 
• How can you plan in regard to Total Super Balance?
• The Total Super Balance is not the same as the Transfer Balance Cap – how are they different?
• What strategies are around this that people may consider other than a downsizing contribution?
• Defined Benefit Member balances also have a recorded value towards your Total Super Balance – it applies to you too!
• Luke shares his tips around Total Super Balance and planning for retirement. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to navigate super and retirement planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week – the final show of the year. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Having a resolution or plan is important
• Behaviour is also important – can you make a positive change so you don’t become discouraged
• Set goals that are realistic – smalls steps are a good way to start
• Don’t forget the benefits of compounding – time is your friend
• Are you making the most of your super to save?
• How much can you save every month?
• Set short-term goals and when you achieve them celebrate or reward yourself, multiple short-term goals become long-term goals over time.
• Make sure your family or partner is on board with your goals – get everyone rowing in the same direction! 
• Use goals to and actions to pass on goals to your kids
• Luke shares his top tips to set yourself up for success in 2025.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to plan and achieve your 2025 goals?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week – the final show of the year. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What will happen in the US?
• Keep Trump in perspective – noise versus substance/reality
• Cost of living issues continue in Australia, but not all regions
• Social media can have a negative impact on your own financial planning reality 
• Smart people plan for the rainy day and have good financial consistency
• Prioritise spending cuts in 2025 – Do a little something a little sooner
• Weakness in a financial market is an opportunity to buy 
• What impact with the Australian Federal Election have?
• Why asset allocation remains important and re-balancing your position might be considered.
• The benefits of compounding interest remain, from little things big things grow
• Envision Financial closes for Christmas but will re-open 6 January 2025. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to plan for your 2025 goals?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week – the final show of the year. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What is the Transfer Balance Cap and how much is it? 
• Understanding how much you have in your super fund or funds is a good place to start.
• Which cap applies to me? The one in the year I started my pension from super, or the current cap which is indexed yearly?
• Am I entitled to increase my cap as the cap increases?
• Can I start a pension and keep some money in super to avoid going over the cap?
• Important: Your ability to contribute to super is not the Transfer Balance Cap!
• How does the defined benefit pension work within Transfer Balance Cap? 
• Does the Transfer Balance Cap apply to a transition to retirement pension?
• Can I still make tax deductible contributions to my super or a downsizer contribution?  
• Luke share’s his top tips for understanding and managing your Transfer Balance Cap. 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to navigate the cap and your own retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week – the final show of the year. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Ask people what they want – this will make sure the gifts you buy get used 
• Gift cards also avoid wasteful spending 
• Have a family agreement on what you will do – just buy for the kids
• Don’t leave it to the last minute – panic doesn’t help make good purchase decisions
• If you buy online understand the return policy before you make a purchase there and some places offer ‘gift receipts’
• Tap and go can blow up a budget, consider shopping with cash and stick to your budget
• Can you wait for the post Christmas sales for big ticket items?
• Consider an ‘experience’ as a gift if you’re stuck for an idea
• Luke share’s his top tips for maximising your Christmas spending.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need personal financial planning advice?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

It’s correct to say that if you are over 60 you can withdraw money from super tax free. However, the assumption that when you pass, any money in your superannuation or pension account will pass tax-free to your adult children is not correct. Adult children are not considered dependents, and therefore do not enjoy tax-free status. This show explores a strategy that may assist.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Over 60, you can take money from super tax-free
• Haven’t death taxes and duties been abolished?
• Superannuation has a taxable component within your super
• How is a taxable component created within your super?
• How is a tax free component created within your super?
• What happens when you pass away?
• What is a non-dependant child?
• How does the re-contribution strategy work?
• What are the steps to implementing a re-contribution strategy?
• Luke share’s his tips when considering the re-contribution strategy.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need super, retirement or pension advice?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

It is of course important to remember that returns fluctuate and there’s lots of things out of your control that can impact your investments so is there action you should be taking right now?

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Is now a good time to take some profit from your super fund?
• If you’re in pension phase of super, you can take your profit tax free
• How would you feel if you didn’t take some profit and markets fell right now?
• Why is now a good time to take a profit?
• Can you mitigate capital gains on poor performing assets if you’re not in the retirement phase?
• Has your risk allocation changed given rising markets? Asset allocation is important.
• What do you with the profits you take?
• Does the fixed interest outlook (falling interest rates) mean that now is a good time to lock in a fixed interest investment?
• What about if you’re still in the super phase? What are your options?
• Luke share’s his tips when considering taking a profit.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need investment advice to help you move forward with confidence?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

There’s lots of discussion about different superannuation vehicles, industry funds, personal funds and self managed super and which one is best? The best vehicle for you may not be the best vehicle for someone else, depending on your situation, goals and future needs. In this episode Luke takes a deep dive into Self Managed Superannuation including the costs. It might not be as expensive as you think.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Costs matter, even on your superannuation fund!
• What is a self managed super fund?
• Are my accounting fees fixed (auditing and tax return) and how much are they for an average SMSF? There are some overly high fees out there!
• What are the key reasons to have a self managed super fund?
• Which accountant should I use?
• Aren’t industry super funds cheaper than all the other types of funds?
• What about franking credits and my retirement?
• Do you know why you have the super fund structure you have?
• Are you on your own when you run a self managed super fund or can you get help?
• Why does Luke like SMSF at retirement for certain clients?

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you looking for help around your own super?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Given the significance of the Australia – US relationship, some US policies might affect us domestically. And with many Australian’s holding overseas investments as part of their personal, super and retirement savings, right now is a great time to check in on what may be heading our way.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What does a Trump election victory actually mean?
• Why it’s important to seperate the media hype from what a US President can actually do
• Should you sell your investments now? Did you know the stock market in the US also went up after the Biden election victory?
• Things you might keep in mind going forward
• Why asset allocation and diversification still matters
• Investment markets have been good in the US even before the Trump victory.
• What about the US Debt?
• Are there certain areas of risk to be mindful of?
• Does dollar cost averaging provide a strategy to buy?
• Remember Trump is in for a 4 year period, your investment timeline is probably longer in super and retirement
• Luke shares his top 3 tips for moving forward under Trump leading the US.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you looking for help you navigate your own financial future?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

It’s important to remember that all financial planners have to follow certain rules when providing and implementing financial advice. This includes writing a statement of advice and following processes set by the providers when it comes to buying and selling your investments. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Ensure that you sign the paperwork correctly. A good financial planner will highlight where you need to sign the paperwork to make it easy for you.
• If a form requires a ‘Wet Signature’, this means you need to sign the form with a pen. Some investments and insurance companies require pen signatures, not electronic signatures. We agree this is old fashioned, but that’s how some institutions still work.
• Don’t leave things to the last minute like selling investments if you need cash for a purchase like a car or caravan. It takes time to sell down investments or access money from super or a retirement pension. If in doubt about a timeline simply ask. A good financial planner will be happy to help you.
• Don’t forget to date the important documents you sign.
• If you’re meeting with your financial planner online, make sure your software is up-to-date and working correctly before the meeting starts. Financial planners are good with numbers, but not so great with helping you fix your IT issues.
• Super funds and investment managers and banks are becoming very stringent with online access. Make sure you follow their instructions. My Gov and My Gov ID can be challenging too. Most offer help lines if you need technology assistance.
• Return all the paperwork you need to action, missing pages means a financial planner can’t action your requests and your advice implementation gets delayed.
• Luke shares his top 3 tips for working effectively with a financial planner.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you looking for a financial planner to help you move forward?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 25 October 2024. Luke joins Leon Delaney in the studio with Luke to talk about an important topic. What can I do outside of super to compliment my long term financial plans?

Superannuation is a great and tax effective vehicle for saving for retirement. But once you put the money into super, you can’t access it until you reach a condition of release, which is usualy retirement age. As a result, it’s good to keep something outside of super too – but what do you do with it?  Luke shares a few examples. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Trading accounts provide the ability to start without having lots of money to start, and the ability to save into it
• There are lots of different types of trading accounts available so find somewhere that works for you
• Ensure you have diversity in your investments
• Micro investing apps provide another pathway to investing with a broad range of direct investments and pre-mixed investment options
• Formal structures or investment platforms run by investment managers also provide an avenue for people to make investments for the long term. These are well run platforms run by specialist investment managers. These also offer the ability to save money into for ongoing contributions.
• Why exchange traded funds offer a good place to start for new investors.
• Luke offers some tips for making the most of investments outside of your superannuation for the long term.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investing for the medium and longer term? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 18 October 2024. Luke this week Leon Delaney returns to the studio with Luke to talk about an important topic. Should you have an emergency fund and income protection insurance?

Planning for the unexpected is an important part of any financial plan. But how will you plan and manage those unexpected events and the pressures on money they may cause? Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• What are the benefits of an emergency fund?
• Why is income protection a valuable option?
• Did you know income protection premiums are tax deductible?
• Should I have income protection in my super fund or in my own name?
• Can I use my offset account as my emergency fund?
• Why are income protection policies prior to 2021 better – think carefully before you let them lapse.
• Is sick leave enough to cover me if something goes wrong?
• What form can an emergency fund take? Saved Money, Offset Account, Sick Leave?
• If I can’t save for an emergency fund, income protection can provide you with immediate cover?

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with financial planning and insurance? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super, insurance and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

This week’s discussion is wide ranging and includes negative gearing, changes to aged care costs, and contribution to super limits. Does the system work for retirees and those who need aged care? Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Luke and Nicole continue the conversation about negative gearing.
• Luck versus making the decision to improve yourself and your position.
• Changes to the aged care system and what it’s going to cost you.
• Aged pension benefits versus being self-funded the retirees and aged care dilemma.
• Should we be allowing people to contribute more to super and get a tax deduction, so they look after themselves?
• Are our governments planning with a system that rewards people for looking after themselves?
• Current super contribution limits reduce the opportunity for people to self-fund themselves.
• We’d also benefit from a simplification of the system!

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your future financial plans?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

This week’s topic asks the question: How do you minimise tax on the sale of an asset, such as an investment property that you no longer wish to hold? Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Consider your own situation, as everyone’s situation is different.
• Can you maximise your superannuation contributions in the year of sale? Timing is key.
• Remember you have an annual limit and a catch-up limit too when it comes to tax deductible super contributions.
• Hold your assets for at least 12 months before selling them.
• Can you use carry forward losses from the past to offset current gains?
• Can you create a new carry forward loss in the same year you’re selling an asset?
• If you’re selling a portfolio of things, spread out the timing across years and after you retire to make the most of your opportunities!
• Don’t forget the 6-year rule in regard to the primary residence.
• Don’t forget about the cost base issues.
• Understand the challenges and benefits before you make the sale transaction – seek financial planning advice and tax accounting advice.
• Luke shares his top strategies for thinking about selling assets and seeking tax advice to minimise tax.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with selling assets and investing or retiring?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

House prices and negative gearing have been making lots of headlines as the Federal Government talks about changing the rules. This week’s topic asks the question: Is negative gearing dead? And what does it mean for you and your investments? It’s a wide-ranging discussion covering property, negative gearing, capital gains tax, and more. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Luke’s view on landlords and a population that rents
• Will the removal of negative gearing really fix the housing crisis, or will it add to it?
• The reality: Negative gearing isn’t as beneficial as it once was
• Investors deserve to get a return on their investment, even property investments
• Are there too many disincentives to generating wealth?
• Property will always be in demand in the creation of wealth – Are we too risk adverse?
• Canberra has extra taxes which is causing people disincentive to invest in Canberra property and impacting rentals
• What about the proposed CGT Tax change?
• Even property investments have risk
• What impact will grandfathering have on supply?
• People should make decisions about their own investments and do what’s right for them.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investing for your future needs?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is the different between a personal contribution to super and a salary sacrifice contribution?
• Don’t forget to complete your ‘notice of intent to claim a tax deduction form’, send it to your super fund if you make a personal contribution
• If you’re making a personal contribution, could you use money from an offset account?
• Are there any differences between the two options?
• Can you use both strategies at the same time?
• The limits you can put into apply to both ways to make contributions
• When might salary sacrifice be the right option for you?
• When might you use personal contributions?
• When might you use both contributions methods?
• Why it’s important to consider your personal situation and circumstances and goals
• Luke shares his top tips to help you start thinking about contributing to super and getting a tax deduction

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with superannuation or retirement planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Why do Australians like property?
• A tax deduction is NOT the right reason to buy and investment property
• What type of property do you want to buy?
• Does the property match up with your goals – income, holding costs, the structure you own it in
• Negative gearing – is it still attractive as it used to be?
• Property doesn’t have to be residential – it could also be commercial and industrial property (including holding your property in a SMSF)
• Ownership structures also matter – pro’s and con’s the ways of owning different assets, make the right decision at the start
• It’s very expensive to change ownership structures if you get it wrong
• SMSF rules and property ownership – there are rules around use, borrowing and maintenance costs
• Luke shares his top tips to help you start thinking about converting preference shares.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investment planning and management?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Whare are converting preference shares or hybrid shares?
• Why are they useful for retirees?
• How long do these shares last for?
• How are the rates determined?
• How liquid are these kind of shares?
• How risky are converting preference shares to cash, term deposits or just normal shares?
• Can you purchase these shares through an Exchange Traded Fund?
• Does your super fund or pension fund have these on their investment menu?
• Investors can also hold these outside of super and pension accounts too.
• Why is it important you understand how they work given the complexity of how they work.
• So are they more like a share or more like a fixed interest?
• Luke shares his top tips to help you start thinking about converting preference shares.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with gifting as part of your retirement planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Be aware you are free to gift assets to who you like.
• There are however implications around gifts if you receive or want to receive benefits from Centrelink.
• What is the asset test and the income test? Gifting is part of the Centrelink assessment.
• How much can you gift to be impacted? Is there a time frame too?
• How does Centrelink treat the assets you have gifted?
• Is gifting just cash? Or is it other assets too?
• Does moving money between spouses trigger gifting rules? No, it doesn’t!
• Do the rules apply per person or per couple?
• Can I spend money on my house to reduce my assets for the Centrelink test? Yes you can!
• Luke shares his top tips to help you start thinking about gifting and Centrelink.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with gifting as part of your retirement planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• How much income do you need in retirement?
• How do you work out the capital amount you need to generate the income you need?
• Different assets have different purposes, some assets don’t provide great income streams.
• All assets also carry some risk.
• Think about why you are buying an asset – is it generate income or is it to generate growth?
• What types of assets can you use to generate income in retirement?
• Can franking credits help your retirement income?
• Are you in a super fund that allows you to manage your retirement income?
• It’s really important to understand where your return is coming from, so you’re living on the income, not eating up your capital.
• Luke shares his top tips to help you start thinking about how to use the contribution rules given different life situations.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investment or retirement planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• There are two types of super contributions, contributions with deductions and contributions without deductions.
• Contributions with tax deductions, there’s a $30,000 limit you can put in (this limit includes the contributions your employer makes for you)
• Contributions without tax deductions, there’s a $120,000 limit you can put in.
• But you can put in up to 3 years worth of contributions without tax deductions, but know you’re locked out from contributing more for the financial year you do it and the two financial years after it. There are additional rules around it – so know the rules before you make a decision to contribute.
• Is there an age limit to making super contributions and getting a tax deduction? Yes, it’s 67 years, but higher if you’ve worked 40 hours in a month.
• Is there an age limit to making super contributions and not getting a tax deduction?
• How does the downsizer legislation work and what is that limit?
• Can I use the limit amounts I haven’t used in the past 5 years and get a tax deduction?
• Luke shares his top tips to help you start thinking about how to use the contribution rules given different life situations.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you ready to make more of your super or start retirement planning?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• The tax of lazy or the procrastination tax
• The tax on time
• The tax of poor financial education
• The tax of emotional decision making and stress
• The tax of vanity
• The tax of peer pressure
• The tax of fraud
• Luke shares his top tips to help you start thinking about these takes to help you make smarter money decisions.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you ready to take control and move forward towards your goals?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Which one is the right one for you?
• Super funds are like cars, you’ve got to find the best one for your own needs!
• What questions should you ask yourself to help you find the right fund?
• At retirement, your needs will change, so should your questions about what makes a ‘good fund’.
• Does your fund offer a good selection of investment options and insurance options?
• Consider the risk you’re willing to take on in the investment options?
• Cost is also an interesting issue to consider cost from a value perspective, not just how cheap it is!
• Luke shares his top tips to help you start thinking about how good your own supe.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is your super fund right for you now or in retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Why is it good to get a mortgage broker involved when thinking about your loan provider?
• What should you consider when considering the structure of a loan?
• Can you switch banks to get a new interest only loan period?
• What is an off-set account?
• How does the interest only work?
• How can interest only loans be cheaper, if even if the interest rate is lower with another bank – do your math!
• If you are on an interest only loan, can I top up payments through an offset account and still have access to your money?
• Luke shares his top tips around ways to think about loans and how to pay them back, especially when money is tight.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about spending and interest only loan repayments?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Luke is also experienced in helping PSS members make retirement plans. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is the PSS defined benefit scheme?
• The retirement options for PSS members are: taking it as a lump sum, as a full pension or taking it as a part pension.
• Unlike other superannuation funds, PSS allows members to retire at age 55  and take a pension option, or part pension and part lump sum.
• If you take a part pension, and you’re under your commonwealth preservation age, it must be rolled to a complying superannuation fund.
• The rules state if you take a pension, you must take at least 50% of your income stream. This means you can choose 50% (or greater) as a pension and the rest as a lump sum if you need money to spend on a new car, holiday or pay out the mortgage on your house.
• Choose the option that delivers the best outcome for your lifestyle goals.
• How can you maximise your benefits for your retirement?
• Remember you can also make tax deductible contributions to a superfund outside of the PSS, given your concessional contribution cap.
• When approaching retirement planning, it’s important to consider your PSS Super and other super funds and assets (including investment property, shares and cash in the bank), not just your PSS fund.
• Should I make a contribution of 10% to my PSS fund?
• Should I use up my leave?
• When should I exit the fund?
• Luke shares his top tips around taking benefits from a PSS in retirement. Seek advice if you need help.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you a PSS member thinking about your own retirement plans?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Luke is also experienced in helping PSS members make retirement plans. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is a testamentary trust?
• The Will must allow for the use of this vehicle, so it must be written into a Will.
• What are the benefits of a testamentary trust from a tax perspective?
• What about the benefit of asset protection?
• What about superannuation, your Will and a testamentary trust? Can you direct your super to your Will?
• Don’t forget about the complexities of blended families or minors who might not make great decisions.
• What are the differences between family trusts and testamentary trusts?
• Luke shares his top tips around testamentary trusts. Seek advice if you need help.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are your estate plans in order for your kids or grandkids?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation. Luke can also refer you to a family lawyer who can work with you to meet your estate planning needs. He can also discuss with you how your superannuation estate planning works.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What are the reasons you might start a pension from your super in July, other than to fund your retirement?
• Do you have debt that needs to paid off like your mortgage or personal debt?
• Do you wish to transition to retire?
• Are there school fees that need to be funded for your grandkids?
• Do you need to fund a gap in paying back a loan on an investment property?
• It comes down to thinking about using the best use of the resources you have.
• Did you know you can use a payment to the adjust the taxable component of your super, it impacts on your estate planning goals
• How does transition to retirement work? Work less and top up your income from your super.
• Can I top up my super from a transition to retirement payment?
• Is this opportunity available in a defined benefit scheme?
• Luke shares his top tips around taking money from your pension. Seek advice if you need help.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help starting a pension from your super to help you achieve your goals?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• The end of financial year is a great time consider your new financial year goals
• What opportunities are the for the new financial year? Super contribution limit changes and tax cuts!
• Look where your money is going when you spend it. Is a change of behaviour appropriate if spending is high in a certain area?
• Will you start a new investment and let in compound?
• Can you automate saving so it just happens without thinking about it?
• Set specific goals and reward yourself when you achieve them
• Take stock of what you have at home, can you sell any second hand items?
• Luke shares his top tips around setting goals for the new financial year. Seek advice if you need help

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

What are your new year financial goals?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Most people want a strong income of their money in retirement as well as capital growth to help offset rising inflation. To achieve this, some risk is likely to be required. So how do you mitigate this risk?
• Diversification is an important strategy to help mitgiate risk
• Consider your asset allocation to growth assets within your investment option
• A good income stream ensures you’re not selling out of your capital to fund your lifestyle
• The benefit of franking credits to help fund your spending needs in retirement
• Don’t forget about the costs of the fund you’re in
• Tax matters are also worth considering, in regard to your returns
• Luke shares his top tips around super funds and risk. Seek advice if you need help.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about risk as part of your super or retirement strategy?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What makes 1 July a good time to open a self managed super fund?
• Why is a superfund like a car and how does it help you choose the right one for your needs?
• Why would you consider a self managed super fund over other kinds of funds?
• What are the benefits of a self managed fund?
• Are there down sides to this kind of super vehicle?
• Luke shares his top tips around self managed super funds. Seek advice if you need help.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is it time to get your super working better for your retirement?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What are the things to consider around keeping an investment property?
• What are your needs given the value of the asset?
• What is the true yield (net income) of your investment property? Don’t just look at the rent, there’s costs too, rates, insurance, strata, and so on.
• What is the cost structure of the investment property?
• What’s the best use of those funds?
• Is liquidity important to you? Do you have things you’re planning to spend money on?
• How much can you put into super? Can you claim a tax deduction to offset a capital gain if you have one?
• Think about timing to make sure you can sell your property and get it into super.
• Luke shares his top tips around selling an investment property, super and retirement planning. Seek advice if you need help.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about selling an investment property before retiring?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• How do I know how much super has been contributed this year?
• Is there any more contributions coming in before the end of the financial year?
• How much ‘space’ do you have, you can ‘top up’ that space
• You can contribute up to your contribution limit – $27,500 this year
• How do the concessional catch-up rules work – can you use your space from previous years?
• Should I use all my catch-up space if I have it in one year?
• How do I notify my super fund of my intention to claim a tax deduction?
• Don’t forget to give the confirmation you get from your superfund to your accountant at tax time.
• Luke shares his top tips around super. tax and end if financial  year planning.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your EOFY Super and tax deductions?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• You don’t need a lot to start
• Benefit from compound interest over time
• Consider adding to your savings over time
• Where should you put your savings?
• Let’s look at some saving examples over time
• Why Luke says do a little something a littler sooner!
• What stops people from starting something for their kids or grandkids?
• Don’t forget about education – the sooner you start showing kids
• Luke shares his top tips about helping the kids and grandkids.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about helping your own kids or grandkids?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• If you decide to start a pension before 30 June, do it sooner than later, some funds only process pension payments twice a month.
• One reason to start a pension is to reduce your hours at work and top up your income from your super (transition to retirement).
• If you have multiple jobs, you can give up one and trigger access to your super (ceased a form a gainful employment over age of 60).
• Contributing back to super might offer you a tax deduction, concessional contributions, catch up contributions might be considered.
• You might use pension payments to fund a tax deductible super contribution This could offset tax on a capital gain caused by the sale of an asset.
• You might also use a pension to lower your super balance in order to contribute more to super.
• What are the pros and cons of starting a pension before June 30?
• Luke shares his top tips about starting a pension before June 30.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your retirement planning?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Making a super contribution shouldn’t be last minute, if you miss the deadline, it won’t apply this financial year.
• What are 3 strategic reasons you might want to make a contribution to super before 30 June?
• How much can you contribute to super, what’s the limit?
• How do you make a contribution to super and claim a tax deduction?
• Don’t forget your ‘Notice of intent to claim a tax deduction’ and give it to your super fund. Without it, your super fund won’t know you want to claim a tax deduction for it when it comes time to doing your tax return.
• What are the concessional catch-up rules?
• Can you put money into super and not claim a tax deduction? Why might you do that?
• Are there any cons to making a contribution to your super before 30 June?
• Luke shares his top tips about making a contribution to super before the end of the financial year.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your end of financial year planning?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• The age to access your super and the age to get the aged pension are not the same!
• You can access super at your ‘preservation age’ (generally 60 or 55 if you transition to retirement earlier and are still working).
• You can apply for and access the Centrelink Age Pension from the age of 67.
• What is the Centrelink Income Test?
• What sources of income does the income test include?
• Remember if you’re part of a couple, your partner’s income is also considered.
• How much income can you earn and still get the full aged pension?
• Deeming is also considered as income from certain assets you have.
• How does downsizing and selling your home impact your income test if you buy something smaller to live in?
• Can you have a part aged pension from the Centrelink?
• Is there a sweet spot to get some income from the aged pension and other sources like investment and super?
• Luke shares his top tips when thinking about applying for the aged pension and the Centrelink Income Test.
• See last week’s show for information about the Centrelink Asset Test.

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you progressing your own retirement plans?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is the Centrelink asset test for the aged pension?
• Which test is used – The asset test or the income test?
• Is your family home exempt from the Centrelink asset test?
• How does the asset test work for singles vs couples, home owners vs non-home owners
• Can you spend money to lower your assets under the test? Consider spending money on your family home it’s an exempt asset!
• What is deeming and how does it apply to your assets under the Centrelink rules?
• Do you need to update your assets with Centrelink as time moves on?
• If I’m not eligible for the aged pension right now, will I be eligible if my circumstances change?
• Luke shares his top tips when thinking about applying for the aged pension and the Centrelink asset test.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your own retirement plans?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is an Exchange Traded Fund (ETF)?
• Indexes come in many forms – a group off assets in a specific sector or a specific market.
• How is an EFT different to a Managed Fund?
• What are the cost differences?
• How can you use ETFs to diversify your investments?
• What is the internal cost ratio and why is it important?
• What is the approved product list within the super fund?
• Do all super funds offer ETFs?
• Can you get franking credits in an Exchange Traded Fund?
• Can you have a second fund and to hold ETFs if your existing fund doesn’t offer them?
• Luke shares his top tips when thinking about exchange traded funds inside super.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are ETFs part of your super and retirement plan?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is the PSS?
• How does the fund calculate your benefit?
• Why is a your contribution important to this benefit?
• Did you know you can make a contribution to another fund and get a tax deduction outside of PSS? Many PSS members miss out on a tax deduction!
• What is the current tax deductible or Concessional Contribution Limit for this year? Did you know it’s rising to $30,000 on 1 July 2024?
• How do I work out my Concessional Contribution Limit?
• You also need to lodge your ‘Notice of Intent to claim a tax deduction’ for your contribution to super with the super fund you make the contribution too.
• Are there other strategies you can use like Super Splitting which might help you retire sooner?
• Luke shares his top tips when thinking about making the most of the PSS and your retirement.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you making the most of your super to plan for your retirement?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is the transfer balance cap and does it get indexed?
• The cap is currently $1.7 million but will rise to $1.9 million on 1 July 2024.
• Are there differences between accumulation funds defined benefit funds with the cap? Yes there are! 
• What is the excess component and how much tax will you pay on it?
• Do I get the full amount when indexation occurs?
• Can I put more money into super when I reach my transfer balance cap?
• Why the cap shouldn’t stop contributing to super!
• Can you use your partner’s super if you reach your cap? Yes you can!
• Can you still make a downsizer contribution if you’ve reached your transfer balance cap? Yes you can!
• Luke shares his top tips when thinking about superannuation and transfer balance caps.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need to consider the transfer balance cap as part of your planning?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Many people don’t think about the structures that they use to save and invest.
• Super is a great long-term vehicle, and a tax efficient vehicle too.
• Why are you adding to super? It’s an important question. Are you lowering tax now, or working towards a longer term retirement goal?
• Did you know you can hold investment property inside super? There are capital gains tax benefits for retirees when compared with an investment property outside of super.
• How do estate planning considerations work in super? A spouse is always considered a dependent inside super and a binding nomination can’t be challenged like a will.
• While super is useful, there are some reasons to keep the money in the bank too. Those reasons may be more advantageous for your goals.
• Do a little something a little sooner, because despite what you might think you might not be able to contribute lots of money when you’re near retirement. Think about how super fits with your short and long-term financial planning.
• Luke shares his top tips when thinking about contributing to super funds as well as the pro’s and cons of keeping it in the bank.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you making the most of your superannuation right now?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Are you in the right super vehicle for your needs? It’s like finding the right car.
• It’s not just about price, price is only one factor to consider.
• What investment option or investment menu do you have access to?
• Franking credits also matter, are they paid back to you?
• Insurance arrangements also differ between funds, with different waiting periods and different coverage rates.
• How does the fund charge the fees? Don’t forget about the ICR of the fund.
• Income distributions also occur differently between different types of funds.
• Luke shares his top tips when comparing funds.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you in the right super fund to help you reach your retirement goals?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Share markets here and around the world are strong at the moment, and interest rates may have peaked
• There’s been a strong reporting period by companies
• Consider the dollar cost averaging strategy to stager your investments in
• Remember, when you’re not invested, your not receiving investment dividends or returns
• Fundamentally, you need to think about why you’re investing it before you make any investment
• How much cash should you hold in an investment portfolio? Think about the right asset allocation for your own risk profile and needs.
• Don’t forget about time in the marketing and the benefits of compounding
• What about dividend re-investment plans?
• Don’t forget about dividend payments, they will lower the share price when they happen
• Luke shares his top tips around thinking about investing given the current market conditions.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you happy with your own investment plans or do you need help?   

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Risk and your investment portfolio
• Have you taken a look at risk?
• Why trying to time the market presents risk too
• Consider diversification from at lease 3 perspectives: individual investments, sectors, and time (dollar cost averaging)
• Be careful of investment portfolio names – balanced might not be balanced, look at the percentage of growth and defensive assets
• The difference between growth and defensive investments
• Why you need to invest according to your own risk tolerance
• Luke shares his top tips around thinking about risk and your investments and super

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is it time to take a closer look at risk and your investments or super?  

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is the transition to retirement legislation and strategy?
• Can I use the transition to retirement rules within the PSS like the CSS and other types of super funds?
• I’ve got to take a pension on a fortnightly basis?
• How much can you take from a pension when you’re in the transition to retirement phase?
• Is a transition to retirement arrangement tax free, both the account earnings and the pension payments?
• Can you add to a transition to retirement pension?
• Does the pension money get added to my taxable income? No!
• Can I use the pension income to pay down debt or a mortgage, to pay it off quicker?
• Who qualifies for a transition to pension? Find out your preservation age here.
• How do you go about using this strategy?
• Luke shares his top tips around managing the transition to retirement opportunity.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your own super and retirement planning?  

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is a binding nomination in regard to your super?
• Did you know your Will has no control over your super or pension account?
• There is a difference between a binding nomination and a non-binding nomination!
• Family law advice is not the same as a post office Will
• Is there tax on my super or pension if I die? It might not be tax-free!
• Can I leave money to anyone from a super or pension or does it need to be a relative?
• Do nominations lapse from super or pension accounts?
• What happens to a nomination in a divorce? Does it still apply? Yes – so update it like your Will
• Luke shares his top tips around managing the misconceptions around super and pension fund death benefits.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your own super and retirement planning?  

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Can I take money from super tax free?
• The pension I take from super when I retire is tax free?
• 60 or 67 – Is access to super is different to access to Centrelink?
• Will the income from my investments pay my pension in retirement?
• Can I buy any investment I like within my super fund?
• I’m 55, can I take my super as a lump sum from a PSS?
• Do all super funds allow transition to transition to retirement – to start a pension while you’re still working?
• My fund doesn’t charge me administration fees? Is that good?
• Luke shares his top tips around managing the misconceptions around super funds.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your own super and retirement planning?  

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What is a pension from super?
• Here are some pension payment misconceptions:
  • Can I go back to work if I start a pension from super?
  • Do I get a fortnightly payment?
  • When I start a pension, I need to cash out my investments into a bank account? No don’t!
  • Can I add money back into super if I’m not working? Yes you maybe able to, it’s got nothing to do with your employment status.
  • Can I add more money to my pension once I retire?
  • Do I pay tax on the sale of assets inside of a pension?
• Luke shares his top tips around pension payments.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your own retirement planning?  

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• The new year is a great time to think about your super and start making more of it.
• There’s lot’s of misconceptions around super such as:
  • You cannot make a contribution after you retire – that’s actually wrong, you can
  • When you sell an asset, can I put it all into super – maybe you can, it depends on your situation
  • I can only make a contribution to super in cash – no, you can transfer in assets to super if your fund allows it
  • I want to put a lot of money into super, eg lotto win, inheritance, can I? – it depends on your situation
  • I’m over 75, I can’t make a downsizer contribution – actually you can
• What are the key things people need to remember?
• Luke shares his top tips around super contributions.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about making more of your own super?  

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Busting some myths around starting to invest!
• You don’t need to start with a lot, you might even start with just $200
• A micro-investment app could be a great place to start
• There retail multi-investment products too, it’s prudent to seek advice to help you select the right investment option if you’re inexperienced or don’t wish to do-it-yourself
• Regular savings can also help grow and investment portfolio, if you buy into more investments
• ‘Let it cook’ – remember time and compound interest are your friends
• Automation can help you too, direct debit can you save consistently
• How do you manage temptation once your investment portfolio grows?
• Luke shares his top tips around starting an investment portfolio.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about starting an portfolio investment in 2024?  

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• What can you do for your children or grandchildren (or perhaps yourself)?
• Compounding interest might be the answer!
• Can you automate your savings behaviour?
• What does $5000 look like over 10 years, with $50 a month savings as an example?
• Of course returns over time will change, but compounding still occurs over time
• Many people don’t think long term, many people also don’t think multi-generational wealth outcomes
• Where might you save or invest? Remember all investments have risk!
• How do you start?
• Additional resource – check out the Money Smart Compound Interest calculator.
• Luke shares his top tips around saving and compounding interest

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about saving into an investment in 2024?  

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• 2024 has been a challenging financial year with cost of living and interest rate rises
• Be realistic with you goals
• Bring some requirements and consequences to your goals – don’t make them too easy, it will help you keep focus
• Don’t compare yourself to friends and others
• Use automation to help reach your goals, to save or pay bills
• Have a clean out and sell what you don’t need
• ‘Consistency always wins’
• Set short term goals and break down long term goals into short-term goals
• Managing credit cards in 2024
• The benefits of using cash
• Luke shares his top tips around for making 2024 a great year financially

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your financial goals in 2024? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.  

Key topics covered include:

• Is it time to have a plan around Christmas spending?
• Do you ask people what they want for Christmas or are you buying something just for the sake of buying something?
• Set up an agreement with your family – can you just by for the kids?
• Can you put a limit on how much you spend of a Christmas gift.
• Online shopping might help you plan better and avoid queues.
• Check your credit card limit and lower it if you need to.
• Shop with cash, you can’t overspend when you only have cash to pay with.
• Post Christmas sales provide cheaper gifts if people can wait.
• If you do find yourself with credit card debt in January, turn it into a personal loan with lower interest, or switch to a credit card that offers transfer with free interest for a period.
• Don’t compete with others when it comes to gift giving. Do what’s right for your budget.
• Luke shares his top tips around Christmas spending.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your financial plans next year? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week – it’s the final show of the year. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now and makes a great Christmas gift.

Key topics covered include:

• Most people realise advice of any kind is a two way street – you need to participate
• All advice providers including financial planners have legal obligations, so sometimes there’s paperwork
• Paperwork can be complicated and administration can seem like a lot of work, ask for help if you need it
• Make sure you fill in paperwork correctly, forms might be rejected which can cause delays
• Ask questions if you don’t understand something, your adviser is there to help! It’s important you understand what’s going on.
• Be realistic with times frames – things like setting up accounts or applying for a home loan can take several weeks not days
• Seek the right kind advisers to help you reach your goals
• Luke shares his top tips around participating in the advice process.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your financial plans next year? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week – it’s the final show of the year. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now and makes a great Christmas gift.

Key topics covered include:

• People go back to work for a variety of reasons and yes you can work in retirement.
• A good place to start is thinking about tax is thinking about where you’re income is coming from in retirement
• If you’re over 60 and started a pension, that money is tax free
• If you’re earning income from work as well, you’ll enjoy the tax-free threshold for the first $18,200 you earn, and only pay tax on work earnings above that.
• Think about sources of other income too – do you have rent from an investment property or dividends from shares outside of super?
• Worrying about the tax might actually diminish the other benefits from working
• What if I have a defined benefit pension? Is that taxable?
• Can you mitigate tax? You can get tax deductions including tax deductible contributions to super!
• Get some advice from your accountant too – you might also be eligible for the seniors tax offset too
• What about family trusts and tax? Thinking about the vehicles in which how you hold assets can also make a tax difference
• Luke shares his top tips around working in retirement
• Remember, seek advice if you need help to plan your retirement, including working in retirement.

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about work in retirement as part of your plan? 

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation. Luke can also refer you to an accountant or mortgage broker.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

Key topics covered include:

• What are some of the reasons you might consider borrowing?
• What can you save and contribute to the investment?
• Is collective investing an option for you?
• Negative gearing – how does it work?
• Positive gearing – how does it work?
• What should people think about before borrowing money?
• Where do mortgage brokers add value?
• Luke shares his top tips around how to borrow money to invest
• Remember seek advice if you need help, it’s important you know how any investment works.