Radiance Wealth

08/09/2026

Didn't use your full super contribution cap in past years? You may be able to catch up in one go.

The carry-forward rule lets you use unused concessional cap amounts from the past five years, provided your total super balance was under $500,000 at the last 30 June. It's one of the most underused concessions in the system — genuinely useful if you've had a career break, variable income, or a higher-income year you'd like to offset.

Whether it applies to you depends on your own numbers — we cover exactly how in the full guide.

Read the full guide → https://loom.ly/Tw2onWc

01/09/2026

You can access your super at 60. The Age Pension doesn't start until 67. What fills the seven years in between?

If you stop working at 60, your super and other savings may be your sole source of income until you reach Age Pension age. Bridging that gap deliberately — rather than assuming it will sort itself out — is one of the most important pieces of a retirement plan. We walk through how to think about it properly in our full guide.

Read the article ➡️ https://loom.ly/ydlCjHc

26/08/2026

Still planning around accessing your super at 55?

That rule hasn't applied for years. Preservation age used to depend on your date of birth, and for people born before July 1960 it was 55. That transition finished years ago. Today, preservation age is 60 for everyone — no exceptions.

If your plan is still built around the old number, it's worth a second look.

Read the full guide ➡️ https://loom.ly/ydlCjHc

12/08/2026

Still in the super investment option your employer chose for you years ago? For a large proportion of Australians in their 50s, that "safe" default balanced or conservative option is actually one of the costliest mistakes we see in the lead-up to retirement. If you're planning to retire in five years, your money still needs to last 30 — and being too conservative now is a financial risk, not a safety net.

We've written a full guide covering this mistake and six others we've seen consistently over years of financial advice — specific to Melbourne pre-retirees, and a five-minute read.

Read it here ➡️ https://loom.ly/hz2oEGY

05/08/2026

You have two years to sell your inherited family home tax-free. After that, the rules change.

Hold onto it longer, or rent it out, and a partial capital gain may start to apply. In Melbourne's property market, that difference can run into real money.

We walk through exactly how the two-year rule works, and what to check before it closes.

Read the full guide → https://loom.ly/nD5yMAY

28/07/2026

Inheriting your parents' super? It might not be tax-free — even though the house is.

Superannuation sits outside the will and is taxed differently depending on who receives it. A surviving spouse generally receives it tax-free. An independent adult child — the most common scenario — generally doesn't, and can face tax on the taxable component of that super.

We break down exactly who pays what, and why, in our latest guide.

Read the full guide → https://loom.ly/nD5yMAY

19/07/2026

Back in May we ran through the key measures from the 2026 Federal Budget — tax changes, aged care funding, CGT and trust rules, and a few super updates.

Worth a read if you haven't already, or a refresher if you have.

Full article → https://loom.ly/ErI1-ms

07/07/2026

We're excited to extend our support for pickleball by sponsoring the Stonnington Pickleball Club. Hope to see you there soon.

07/07/2026

How much super do you actually need for a comfortable retirement in Melbourne? The latest ASFA figures say $77,375/year for a couple - but there’s more to the story than a single number. We’ve written a full guide covering the benchmarks, the three phases of retirement spending, and practical strategies for pre-retirees aged 50–64.

Read it here → https://radiancewealth.com.au/pre-retirees-guide-ages-50-64/

29/06/2026

We're delighted and excited to to be sponsoring the Kooyong Classic for 2027.

The best players think two shots ahead. The best investment plans do too.

We’re delighted to welcome Radiance Wealth as a partner of the 2027 Kooyong Classic.

Based in Melbourne, Radiance Wealth helps people navigate life’s biggest financial decisions with confidence, clarity and a long-term perspective.

Discover how Radiance Wealth helps clients plan with confidence for the years ahead: https://radiancewealth.com.au/