Proposed family trust changes and your retirement
Australia proposes a 30% minimum tax on certain discretionary trusts from 1 July 2028. Eligible trusts could elect fixed distributions instead, subject to conditions. For people approaching retirement, the key questions are after-tax income, company beneficiaries, franking credits and future family flexibility. The proposals remain subject to legislation.
Read article
Payday Super Is Coming. Why Business Owners and High-Income Earners Should Be Paying Attention Now
Payday Super will require employers to pay superannuation contributions much closer to each payday from July 2026. While most discussion has focused on transparency and compounding, the reforms may have broader implications for business owners, salary sacrifice arrangements and higher-income earners.
Read article
Federal Budget 2026-27: The Planning Windows You Should Not Miss
The 2026-27 Federal Budget includes several proposed measures that may affect tax planning, property investment, business structures, superannuation, retirement cash flow and family wealth decisions.
Read article
Estate Planning Essentials: Why Retirees Need a Will, Enduring Power of Attorney, and Enduring Guardianship
For retirees in Australia, having a Will, Enduring Power of Attorney (EPOA), and Enduring Guardianship isn’t just legal housekeeping, it’s essential estate planning that keeps your finances, health, and lifestyle decisions protected while you’re alive.
Read article
Giving Wisely: How to Gift to Adult Children Without Compromising Your Retirement
Helping your adult children get ahead — whether it’s contributing to a first home, boosting their super, or easing cost-of-living pressure — can be incredibly rewarding. But significant financial gifts deserve careful thought. How much is appropriate? What’s the right structure? And how do you ensure your generosity strengthens their future without compromising your own?
Read article
Smarter Wealth Building: How Debt Recycling Helps You Invest While Paying Down Your Home Loan
For many Australians in their 30s and 40s, the idea of growing wealth while still paying off the home loan can feel like a contradiction. You want to invest and build a portfolio of growth assets, but the cash flow reality of life, mortgage payments, kids, and everyday expenses, often makes it feel impossible.
Read article
