Retire Well With Rach

15/06/2026

Many Australians don’t realise that once their total super balance exceeds $500,000, they may lose access to carry-forward concessional contributions.

If your balance is approaching the threshold, this financial year could be your last chance to utilise unused contribution caps from previous years and potentially reduce your tax bill.

Before making any contribution decisions, check your eligibility and obtain professional advice. General advice warning: I have not taken your personal circumstances into account. Pleasers consider your own personal circumstances before making any financial decisions.

11/06/2026

Hey Rach, you’re a financial planner, do you have a budget?
General advice only: I have not taken your personal circumstances into account. Please consider whether this is appropriate for you before acting

07/06/2026

17% return on an investment? That’s exactly what making a super concessional contribution could do for you! The 17% return is the tax saving. Catch is you have to wait until you can access your super funds! 😭 ultimate delayed gratification!

03/06/2026

Inheritance tax has been thrown around a bit since budget night. But did you know that you’re super may get taxed before being passed onto your kids one day? A super death tax if you will. Financial advisers can help you navigate this tax to see if it’s something you can reduce in your overall plan

28/05/2026

Financial advice for the person who overspends. Here’s a sneak peak into a client conversation recently with a client who has gone a bit overboard with spending recently and how we got back on track.

24/05/2026

Summary of some budget chat I’m hearing over the last week or so

20/05/2026

Some other budget changes that aren’t negative gearing or capital gains tax related

13/05/2026

11/05/2026

Really looking forward to knowing the details on the CGT changes. Will it just be for investment properties, or all investments (including super)? Will it be grandfathered? And how this might affect younger generations and might not be helping them?

15/04/2026