Smart Wealth Financial Solutions

16/09/2026

Recently moved to Cairns and looking for a new financial adviser?

Moving to Far North Queensland can mean a new home, a new lifestyle and, for many people, a new stage of life.

If you've left your financial adviser behind — or retirement is now starting to feel a lot closer — it may be a good time to review your financial plans.

At Smart Wealth Financial Solutions, we specialise in superannuation and retirement planning, helping people approaching retirement understand where they are today and put a clear strategy in place for the years ahead.

Chris Leishman CFP® has been providing financial advice in the Cairns region for over 25 years, with advice covering:

✓ Superannuation reviews and investment strategies
✓ Retirement planning and retirement income
✓ Transition to Retirement strategies
✓ Super contribution strategies
✓ Centrelink Age Pension planning
✓ Investments and wealth management
✓ Personal insurance
✓ Aged care financial advice

If you've recently relocated to Cairns, you don't need to continue dealing with an adviser hundreds or thousands of kilometres away.

Deal with a local adviser who understands Cairns, understands retirement planning and is here when you need them.

📞 0488 411 280
Smart Wealth Financial Solutions
Chris Leishman CFP® | Certified Financial Planner®

Local advice. Trusted by locals.
Helping you transition to a stress-free financial retirement.

General advice only. This information does not take into account your personal objectives, financial situation or needs. Consider whether the advice is appropriate for your circumstances.

10/09/2026

Paying too much tax? Are you making the most of your super?

For many Australians approaching retirement, superannuation can be one of the most effective ways to build retirement savings while potentially reducing tax.

But are you actually using the contribution opportunities available to you?

Depending on your circumstances, there may be strategies worth considering, including:

✓ Concessional super contributions
✓ Carry-forward unused concessional contribution caps
✓ Salary sacrifice or personal deductible contributions
✓ Spouse contributions
✓ Non-concessional contributions
✓ Downsizer contributions
✓ Structuring contributions as you approach retirement

The important part isn't simply contributing more to super — it's understanding how much to contribute, when to contribute and which strategy is appropriate for you.

If retirement is getting closer, now may be the ideal time to review whether your superannuation and tax strategies are working together effectively.

Could you be paying less tax today while building more wealth for retirement?

Let's find out.

Chris Leishman CFP®
Certified Financial Planner®
Smart Wealth Financial Solutions

📍 Cairns & Far North Queensland
📞 0488 411 280

Helping you transition to a stress-free financial retirement.

General advice only. Superannuation contribution limits, eligibility and tax outcomes depend on your individual circumstances. Consider obtaining personal financial and tax advice before implementing a strategy.

04/09/2026

🏡 Downsizing your home as part of your retirement plans?

Selling the family home can free up significant capital — but deciding what to do with that money can have important consequences for your retirement.

You may be able to contribute some of the sale proceeds to superannuation using the downsizer contribution rules, but simply putting more money into super isn't necessarily the whole answer.

If you are receiving — or hoping to qualify for — the Centrelink Age Pension, the way your assets are structured after selling your home may also affect your future entitlement.

At Smart Wealth Financial Solutions, we can help you understand how downsizing fits into your overall retirement strategy, including:

✓ Downsizer contributions to superannuation
✓ Superannuation and retirement income strategies
✓ Centrelink Age Pension implications
✓ How the sale proceeds could affect your financial position
✓ Structuring your assets for retirement
✓ Creating sustainable retirement income
✓ Making the most of your next financial chapter

Downsize the house — not your retirement lifestyle.

Before deciding what to do with the proceeds from your home, get advice about how the pieces fit together.

Chris Leishman CFP® | Certified Financial Planner®
Smart Wealth Financial Solutions
📍 Cairns & Far North Queensland
📞 0488 411 280

Helping you transition to a stress-free financial retirement.

General advice only. Your individual circumstances, eligibility and applicable superannuation and Centrelink rules need to be considered before implementing a strategy.

31/08/2026

10/08/2026

ALWAYS ASSUMED YOU'D NEVER QUALIFY FOR THE AGE PENSION?
You might be surprised.

Many Australians enter retirement believing they have too much in super or too many assets to ever receive the Centrelink Age Pension.

But the rules are more flexible than many people realise.

With the right retirement planning, some people are able to improve their Age Pension entitlement while maintaining their lifestyle and protecting their wealth.

We can help you understand:

✔ Will you qualify for the Age Pension?
✔ When is the best time to apply?
✔ How does Centrelink assess your superannuation?
✔ Could restructuring your retirement income improve your entitlement?
✔ Are there legitimate strategies that may increase your Age Pension?
✔ How can you maximise both your retirement income and government benefits?

You may be closer to qualifying than you think.

Many retirees are surprised to discover they may be eligible for:

A part Age Pension
The Commonwealth Seniors Health Card
Pension Concession Card benefits
Additional government concessions and rebates

The first step is understanding your options.

Book your Age Pension Strategy Review

Chris Leishman CFP®
Certified Financial Planner

Helping clients transition to a stress-free financial retirement.

📞 0488 411 280
🌐 www.smartwealthfinancialsolutions.com.au

SMART WEALTH FINANCIAL SOLUTIONS

Smart Wealth Financial Solutions (ABN 24 305 759 974)
Corporate Authorised Representative (1262496)
Avana Financial Solutions Pty Ltd (AFSL 516325)

This advertisement contains general advice only and does not take into account your objectives, financial situation or needs. Before acting on any advice, consider whether the advice is appropriate for your circumstances.

10/09/2024

At Smart Wealth Financial Solutions, we are committed to supporting the security and well-being of our seniors. We are excited to share a new initiative designed to help eligible homeowners aged 60 and over secure their homes by providing financial assistance of up to $10,000 for the installation of important security measures.

This current QLD Government initiative offers financial support to subsidise practical home security improvements, including:

• Strengthening window locks and shutters
• Installing CCTV cameras
• Addressing other security vulnerabilities

Eligibility Criteria

To be eligible for this assistance, applicants must:
• Be homeowners residing in the following local government areas: Townsville, Mount Isa, Cairns, Toowoomba, Tablelands, or Mareeba
• Be aged 60 years or over
• Hold a current Pensioner Concession Card or Veteran Card

Additionally, security improvements must be applied at the applicant's principal place of residence (the home they own and live in). Customers with urgent security needs will be prioritised in the application process.
How to Apply

Eligible individuals can apply by calling 13QGOV (13 74 68) for more information and to submit their applications.

We encourage you to take advantage of this opportunity to ensure your home remains a safe and secure environment. If you have any questions or need further assistance, feel free to reach out to our team at Smart Wealth Financial Solutions on 0488 411 280.

10/09/2024

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