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Astonia Private Wealth

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Baulkham Hills, NSW
Astonia Private Wealth

Astonia Private Wealth — Financial Advisers specialising in retirement planning, superannuation, SMSF, personal insurance, aged care & estate planning.

Tax-effective, tailored financial advice for Australians. Sydney-based, servicing clients Australia-wid Astonia Private Wealth Pty Ltd ABN 92 637 907 665 is a Corporate Authorised Representative (No 1279557) of GPS Wealth Ltd ABN 17 005 482 726 holder of Australian financial services licence number 254544 (“GPS”). GPS is owned by Count Limited ABN 111 26 990 832 of GPO Box 1453, Sydney NSW 2001. Count Limited is listed on the Australian Stock Exchange

01/11/2026

Didn’t use your full concessional cap in the last five years? You may be able to catch up this year.

If your total super balance was under $500,000 on 30 June 2026, unused cap amounts from 2021–22 to 2025–26 can be added to this year’s $32,500 cap. It’s most useful in a high-income year: a big bonus, an investment property sale or a strong business result.

Example: if your employer paid $15,000 a year, about $67,500 is unused. Add this year’s $32,500 cap and that’s $100,000 of total concessional room.

Questions? Ask in the comments.

Important:
• The example is illustrative only. It assumes $15,000 employer contributions each year from 2021–22 to 2025–26, no other concessional contributions, and a total super balance under $500,000 at 30 June 2026.
• The $100,000 includes this year’s employer contributions, so the amount you could claim as a personal deduction would be lower.
• “Total super balance” means all your super accounts combined, including pension accounts.
• Unused amounts expire after five years. Amounts from 2021–22 expire after 30 June 2027.
• To claim a personal deduction, you must give your fund a valid notice of intent and receive its acknowledgement. If you’re aged 67–74, a work test applies.
• Division 293 tax may apply if your income plus concessional contributions is over $250,000.

This content is general information only and does not take into account your objectives, financial situation or needs. Before acting, consider whether it is appropriate for you and seek personal financial advice. Tax outcomes depend on your circumstances and current legislation. Vineet Singh CFP® is an Authorised Representative of GPS Wealth Ltd (AFSL 254544). Astonia Private Wealth is a Corporate Authorised Representative (1279557) of GPS Wealth Ltd.

08/10/2026

Your life insurance may be protecting your family.
But have you considered how much they will actually receive?

Life insurance held through super can have different tax implications depending on who receives the payout.
For financially independent adult children, the taxable portion of a death benefit may attract tax.

The cover matters. The ownership structure matters just as much.

General information only.

30/09/2026

The Transfer Balance Cap has increased to $2.1 million.

But here's the detail that's easy to miss:
Your personal cap may still be lower.
If you started a retirement-phase pension when the general cap was lower, future indexation may apply to you proportionally rather than giving you the entire new cap.

Before making your next retirement-phase super decision, know which number actually applies to you.

General information only.

29/09/2026

Do you know your Total Super Balance (TSB)?

It isn't simply a measure of how much you have in super.
Your TSB can influence which contribution and super strategies are available to you, with different rules applying at different balance thresholds.

Knowing your number before making a contribution or planning your next super strategy can make a real difference.

General information only.

26/09/2026

Putting extra money into super isn't always as simple as making the transfer.

Timing matters. Contribution caps matter. And sometimes, even a small amount can change what happens next.
A late-June contribution may not reach your fund until July, while exceeding the standard non-concessional cap can potentially trigger the bring-forward provisions.

This video breaks down some of the contribution traps worth understanding before you contribute.

General information only.

10/09/2026

Selling a property can create an opportunity to move more money into super, but the timing matters.

Under the bring-forward rule, an eligible couple could potentially contribute up to $780,000 combined, with each person contributing up to $390,000, subject to their individual eligibility and super balance.
But there’s an important detail.

Your Total Super Balance is reassessed each year, which can affect how much you can contribute later. The contribution limit is only one part of the strategy. Understanding when and how to use it matters too.

General information only.

02/09/2026

RSUs can create real wealth, but they can also create an unexpected tax bill.

When shares vest, employers may not withhold tax automatically. That means the liability can land later, in one lump sum.

This video explains why planning ahead, knowing your tax position, and setting cash aside can make a big difference.
General information only.

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24/08/2026

Employee share schemes can create real value.
But the tax timing can catch people off guard.

In some cases, tax may become payable when restrictions lift or employment ends not when the shares are actually sold. That can create a cash flow problem, especially where the shares are in a private company and there is no immediate market to sell them.

Understanding the tax point before making a move matters.
General information only.

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21/08/2026

Earn over $250,000? There may be an additional super tax you need to understand.
Division 293 can apply when your income and relevant concessional super contributions cross the threshold.
In this video, Vineet walks through a simple example to explain how the calculation works and why it matters for higher-income Australians.

General information only.

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24/07/2026

Many retirees believe moving everything into cash is the safest option.

But being too conservative too early can create long-term challenges for retirement income.

This short video explains why a balanced investment strategy is an important part of planning for a sustainable retirement.

General information only.

Watch full video:
https://youtu.be/e5uDFhr-aBE

Address

4. 15 7 Maitland Place
Baulkham Hills, NSW
2153

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.astonia.com.au/

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