What Happens to Your Super as You Approach Retirement?

Reaching preservation age doesn't hand retirees a single obvious next step, it hands them a decision. Should you convert your balance into a regular income stream, ease into retirement with a Transition to Retirement strategy, take a lump sum, or simply leave the money where it is? Each path carries its own tax treatment, its own trade-offs, and its own effect on your Age Pension eligibility down the track. This article walks through the four main options, plus a handful of lesser-known strategies most retirees never hear about, so you can work out which combination fits your circumstances. ...Read more

Is Your Biggest Asset Building Your Wealth?

For many Australians, the family home is their biggest financial asset, but its value on paper is only part of the story. With changing property markets, higher borrowing costs and retirement on the horizon for many households, it is worth stepping back and asking whether your home is genuinely helping you build long-term financial security. In this article, we look at how to think about your home as part of your broader wealth strategy, from managing mortgage debt and equity to deciding where your next dollar should go. ...Read more

An Update on the Proposed Family Trust Changes

We first discussed the proposed changes to family trust taxation in our May 2026 article. Since then, the Government has released draft legislation providing more detail on how the new rules could work from 1 July 2028, including an important choice for existing discretionary trusts. In this update, we revisit the proposed changes, explain the two main options in plain English, and highlight what families and business owners with trusts may want to consider. ...Read more

What to Do with an Inheritance When You’re Starting a Family

A sudden inheritance can feel like the ultimate financial safety net, especially when it lands just as a young family is preparing to grow. But turning a windfall into lasting security takes more than good intentions. With Australia on track for a $5.4 trillion intergenerational wealth transfer over the coming decades, more families than ever will face the same question: what's the smartest way to use a lump sum, whether that means clearing the non-deductible debt, topping up super, investing for the long term or simply buying back a little breathing room in those early years of parenthood. ...Read more