Ulton Wealth

14/10/2026

When reviewing your superannuation as part of an estate plan, the account balance may not tell the whole story.

Consider someone with:
• $2 million in an SMSF, nominated to Person A
• $50,000 in another super fund, nominated to Person B
• $1 million of life insurance held within that second fund

The second fund could ultimately pay $1.05 million, rather than the $50,000 account balance alone.

The broader point is simple: death benefit nominations should be considered against the full amount that could ultimately be paid, including insurance within super.

It’s one of the details worth checking when reviewing your estate plan.

Read the full article: https://ap1.hubs.ly/H01pDlt0

12/10/2026

One of the most common misunderstandings about estate planning is that your super automatically forms part of your will.

It doesn’t.

Super sits outside your will, which means your will and your superannuation arrangements need to be considered together.

For an SMSF, that can include your binding death benefit nomination, trustee arrangements and trust deed.

It’s a small distinction that can have important consequences, which is why it’s worth checking that all the pieces of your estate plan are aligned.

Read more in Jes Wilkinson’s latest article: https://ap1.hubs.ly/H01pDlm0

06/10/2026

This World Financial Planning Day, we're celebrating the people behind financial planning, including the team here at Ulton Wealth.

Because financial planning is about more than investments, numbers and spreadsheets. It's about understanding what matters to our clients, the goals they're working towards and the choices they want to make along the way.

It's about being there for the big moments, the small moments and all the moments that matter in between.

So, we asked our team what drew them to financial planning, what they enjoy about working with clients and what they think makes the profession so meaningful.

Their answers offer a little glimpse into the people behind the advice, and the relationships that make this work so rewarding.

A shoutout to the team at Morgans Bundaberg too, as we celebrate World Financial Planning Day together.

06/10/2026

Flexibility is one of the attractions of an SMSF, particularly when it comes to estate planning.

But greater flexibility can also mean greater complexity.

Your SMSF, will, binding death benefit nominations, trustee arrangements and trust deed all need to work together if your estate planning intentions are to be carried out as intended.

In her latest article, Jes Wilkinson looks at some of the areas that can create problems, including what happens to your super when you die, who can receive a death benefit, trustee control and the impact of having multiple super funds.

It’s a useful reminder that estate planning isn’t something to set and forget.

Read Jes’s article: https://ap1.hubs.ly/H01pDl20

Explore the complexities of SMSFs and estate planning. Understand how to align your super and will to ensure your wishes are fulfilled after your passing.

30/09/2026

While discretionary testamentary trusts often attract attention for their potential tax benefits, their real value often lies elsewhere.

They can provide flexibility, asset protection and greater control over how wealth is managed for the people you care about most.

Kylie Wright explores when a discretionary testamentary trust may make sense and what can stop it from working as intended.

Read the full article: https://ap1.hubs.ly/H01p1zN0

25/09/2026

Estate planning isn't something you complete once and forget.

As your family, wealth and financial structures evolve, your estate plan should evolve too.

Regular reviews can help ensure your wishes continue to be reflected and that your structures still work together as intended.

Read Kylie Wright's latest article: https://ap1.hubs.ly/H01p1yH0

22/09/2026

One of the biggest misconceptions in estate planning is that your will controls everything.

It doesn't.

Superannuation, insurance and jointly owned assets may all follow different pathways after your death.

Understanding where your assets will go and whether they'll actually fund your testamentary trust, is a critical part of effective estate planning.

Read the full article: https://hubs.ly/Q04xl6RK0

17/09/2026

A discretionary testamentary trust can give you greater control over how your wealth is managed after you're gone, but that control only works if the right assets actually flow into the trust.

The missing link between your estate plan and your assets could mean your wishes aren't carried out as intended.

Kylie Wright explains what every estate plan should consider.

Read more: https://hubs.ly/Q04xl6620

14/09/2026

A discretionary testamentary trust (DTT) can be a powerful estate planning tool, but only if the right assets actually make their way into the trust.

In her latest article, Kylie Wright explores why a DTT is about much more than tax, and why your will, superannuation, insurance and asset ownership all need to work together if your estate plan is to achieve what you intend.

Read the full article here: https://hubs.ly/Q04xl60g0

Explore the benefits and complexities of discretionary testamentary trusts in estate planning, ensuring your assets align with your family's needs after your passing.

07/09/2026

Nancy had always managed the family finances. Larry joked that he wouldn't even know how to pay a bill.

When Nancy started experiencing memory issues, the legal documents were only part of the solution. The real challenge was ensuring Larry had the knowledge, confidence and systems to step into a role he had never performed before.

That experience highlights an important truth: good incapacity planning is not just about legal authority. It's about making life easier for the people you love when they need it most.

Read our latest article to learn more about what good incapacity planning can look like → Incapacity planning: who will manage your affairs if you cannot? (https://hubs.ly/Q04wQkgQ0)

Ensure your affairs are managed as you wish by understanding incapacity planning and the importance of appointing the right decision-makers.