Financial Advice
What does “self-licensed” actually mean? And why it changes the advice you get
Most advisers operate under someone else's licence. What the licensee controls, what self-licensing changes, and five questions to ask any adviser.
SMSF
Is an SMSF still worth it in 2026? An SMSF specialist's honest answer
Platforms are cheaper, rules are shifting, and some firms now market against SMSFs. When the structure still earns its keep — and when it doesn't.
Tax Strategy
Tax-effective investment structures — choosing the right entity to build wealth
Super, investment bonds, family trusts, companies or your own name? How each is taxed, when each suits, and how layering them can improve your after-tax returns.
Superannuation
Division 296: The new $3M super tax — what high-balance members should do now
The $3 million super tax is now law and starts 1 July 2026 — but very different from the 2023 proposal. What changed, who's affected, and what to do now.
Tax Strategy
End-of-financial-year super strategies: What to action before 30 June 2026
From contribution caps to bring-forward timing, here are the moves worth making before the 2026 financial year closes.
Superannuation
The 2026-27 Federal Budget: What it means for your superannuation
Division 296, payday super and the contribution caps — the changes high-balance members should be watching closely.
SMSF
SMSF property investment: The rules, risks and rewards
LRBAs, the sole purpose test, related party rules and when buying property through your fund makes sense.
Superannuation
Salary sacrifice strategies: Turning pre-tax income into long-term super growth
Directing pre-tax salary into super can reduce your tax bill today while accelerating your retirement savings for tomorrow.
Superannuation
Non-concessional contributions: Maximising your super with after-tax money
The $120k annual cap, bring-forward rule and total super balance thresholds — and how high-balance members can use them.
Superannuation
Transition to Retirement: When to switch on your TTR pension and why timing matters
Understanding the optimal time to commence a TTR strategy can mean tens of thousands in tax savings over your final working years.
Tax Strategy
Maximising concessional contributions before 30 June: A pre-retiree's checklist
With the financial year-end approaching, here's your step-by-step guide to ensuring you capture every available tax deduction.
SMSF
Is an SMSF right for you? What the SSA™ designation means for your fund's governance
Self-managed super offers control and flexibility — but it's not for everyone. We break down the decision framework.
Retirement Income
How much is enough? Sequencing risk and the case for a structured drawdown strategy
The order in which returns occur matters just as much as the average. Here's how to protect your retirement income.
Investment
Active vs passive: Why a blended approach makes sense for Australian retirees in 2026
The active vs passive debate misses the point. We explain how a core-satellite approach delivers the best of both worlds.
Insurance
Inside vs outside super: Where to hold your life and TPD insurance — and why it matters
The structure of your insurance can materially affect both your premiums and your estate. Here's the analysis.
Superannuation
The $1.9M transfer balance cap: How to structure super when you're a high-balance member
Approaching or exceeding the cap? Here's how to optimise your accumulation and pension phases.
Market Update
Q2 2025 Market Review: Tech rally, bank dividends, and what we're watching next
Australian equities outperformed global peers in Q2. We break down sector performance and our outlook.
Tax Strategy
End-of-financial-year checklist for high-income earners: 12 strategies before 30 June
From salary sacrifice top-ups to capital gains harvesting — every strategy you should review this month.
Retirement Income
Retirement income streams explained: Account-based vs annuity vs hybrid
Different income streams suit different needs. We compare the options for retirees seeking certainty and flexibility.
SMSF
SMSF investment strategy: Why your trust deed review matters more than you think
Your SMSF investment strategy must align with your trust deed. Here's what the ATO is looking for.