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Caps on and caps off

By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth September 2018 You’ve heard it time and time again – start putting something aside when you’re young and you’ll end up with more at retirement.  Unfortunately, many people only come to realise this or are only in a financial position do something about it when…

Super Death Benefits & Children

By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth August 2018 Don’t forget the kids Most people are surprised to learn that superannuation is not an estate asset and is therefore not dealt with via your will, unless you specifically leave it to your legal personal representative – typically the executor of your estate.…

Protect your ‘grandfathered’ account-based pension

By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth July 2018 The introduction of the $1.6 million transfer balance cap (TBC) – part of the superannuation reforms that came into effect from 1 July last year – was the catalyst for many people to review their estate plans. The TBC limits the amount you…

Managing your SMSF leading up to 30 June

By Colin Lewis May 2018 A self-managed super fund (SMSF) is one type of vehicle to manage your superannuation savings. So, the usual end-of-year super strategies, especially those relating to contributions and managing the contribution caps, apply equally across the spectrum of funds, e.g. public offer (retail) funds, industry funds, corporate funds, SMSFs etc. In…

Managing your tax and super leading up to 30 June

By Colin Lewis May 2018 With the end of the financial year fast approaching, it’s time to get your ‘financial house’ in order. There will be many ‘behind the scene’ strategies your adviser will be considering for you, but here are some of the more common year-end strategies they will be looking at. COMMON YEAR-END…

How to preserve estate money in super

By Mark Ellem, Executive Manager, SuperConcepts (on behalf of Cuffelinks) The introduction of the biggest tranche of change in the super rules in a decade will impact the estate plans for many. The changes will affect the amount of a deceased spouse’s super that a surviving spouse can retain in super and the ability to…

How to save money with your Superannuation TPD claim

By Andrew Reynolds A total and permanent disability (TPD) claim enables you to a compensation of a lump sum if you have experienced an illness or injury that inhibits you from returning to work. Though, once a TPD claim has been approved through Superannuation, the vast majority of members withdraw the bulk or their entire…

How super changes impact insurance and estate planning

By Julie Steed, Senior Technical Services Manager, Australian Executor Trustees  (on behalf of Cuffelinks) The introduction of the $1.6 million transfer balance cap, effective from July 1 this year, will impact the estate plans of many superannuation members. This article reviews the role of insurance as part of an SMSF’s investment strategy and the changes that people may…

Don’t ignore tax deductions on contributions

By Noel Whittaker, Cuffelinks. The new superannuation rules have been passed, but judging by the emails I am receiving, many of you are more confused than ever. One reader says, “It has been widely reported that from July 2017, superannuation contributions will be tax deductible to the limit of the concessional amount of $25,000. Does…

Treasurer wants super fixes, then stability

By Graham Hand, Cuffelinks. Treasurer Scott Morrison is facing some tough choices in his forthcoming budget, with an election before the end of the year and a deficit that continues to blow out. He has ruled out the $35 billion item, increasing the GST to 15%, and he has to scrape around for dollars without offending…

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