The Strategy Stacker - Luke Talks Money

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 7 August 2026 with 2CC’s Leon Delaney. The topic is: What is an Exchange Traded Fund (ETF)? In this episode Luke takes a deep dive into ETFs as an investment vehicle, and how it can be used within your investment portfolio to help you reach your goals.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

How do Exchange Traded Funds work?
How do ETFs relate to a share market index, eg the ASX 200?
How does the cost of an ETF compare to a Managed Fund in terms of cost?
Benefits of portfolio diversification and risk mitigation.
Are ETF’s easy to buy and administer?
Are all ETF’s the same? There are niche and specific sector ETFs.
Wealth building opportunity for young Australians too.
ETF’s are listed – What does that mean?
Also check your superfund, some Super Funds don’t offer Exchange Traded Funds an investment.
Luke shares his key points to consider if you’re considering Exchange Traded Funds and where to get more information.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/08/The-Strategy-Stacker-Luke-Talks-Money-08072026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about ETFs as part of your investment, super or retirement portfolio?Exchange Traded Funds offer a number of benefits to investors including diversification, low-cost and access to a huge number of investment opportunities. If you’re looking for help with your investments, super or retirement investing, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 31 July 2026 with 2CC’s Leon Delaney. The topic is: What is a conservative investor? In this episode Luke takes a deep dive into the type of investor you might be.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What type of investor are you?
Luke gives an example using a recent client experience about the kind of investor they thought they were.
What is a conservative investor?
Your belief system you have will influence the kind of investor you are.
The movement in an investment portfolio will have an impact on most people and the investment decisions they make.
Diversifcation is still important.
What types of assets are less risky?
How does the label of conservative investor sit with you?
Should I become more conservative if I’m approaching retirement or getting older?
Luke shares his key points to consider if you’re a conservative investor.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/08/The-Strategy-Stacker-Luke-Talks-Money-31072026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about the kind of investor you are an what’s in your investment portfolio or super?What kind of investor are you? What risk tolerance do you really have? If you need to explore this with an expert for your own portfolio, make an appointment to me with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 24 July 2026 with 2CC’s Leon Delaney. The topic is: Income and Assets Tests for the Age Pension. Dealing with Centrelink can be challenging but knowing the rules before you retire can help you plan a more certain retirement income. In this episode Luke takes a deep dive into the Income and Assets Tests rules.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What are the Income and Assets Test for Centrelink Aged Pension Payments?
The test that gives you the least amount of entitlement the test that Centrelink will use to determine your payment.
A couple can have assets just under $500k and be entitled to the full age pension entitlement.
How many assets can a couple have before they’re not entitled to any age pension entitlement?
What assets are assessable for the assets test?
The relevant financial assets you have are deemed to earn amount that gets added to your income test. However, not every asset will be considered towards your assets test.
Telling Centrelink the truth is important.
Both tests are required to assess your pension eligibility.
What is included in the income test?
It’s important to remember that the super of a partner under the age pension age IS NOT considered in the assessment.
Gifting rules apply too, only up to $10,000 a year. Gifts over that amount will assume you still have that money for the next 5 years.
The family home is not considered in the assets test – your primary residence does not count!
If you rented a room of your home however, that income will need to be considered in the income test.
Are there steps to legally move around money to make your retirement income better off?
When making decisions about retirement, you need to consider the rules and your broader financial needs.
If you are not entitled right now, you might be eligible at a future point – so don’t discount it completely as part of your future retirement plan.
Luke shares his key points to consider on the Income and Assets Tests for the Centrelink Age Pension.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/07/The-Strategy-Stacker-Luke-Talks-Money-24072026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you know how the Centrelink Income and Assets Tests will affect your retirement plans?The Centrelink Income and Assets Tests determine how much age pension you might be eligible for in retirement. It pays to know the rules before you retire to make the most of your options. Make an appointment to meet with Luke if you need retirement financial advice and step forward with confidence about your retirement income.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 17 July 2026 with 2CC’s Leon Delaney. The topic is: Transition to retirement. In this episode Luke takes a look at the transition to retirement strategy. It’s a strategy that can be used in a variety of different ways to help you reach your goals sooner.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What are the eligibility rules around transition to retirement?
How much can you take out of your superannuation while you’re still working each year?
You can move some of your super into a pension so you can access it!
What could you use the money for? There’s lots of reasons like paying off a mortgage, a car loan, or a holiday.
Luke gives an example, with a $500k balance, you could access 50k right now – that’s 10% of the balance.
You could also use the money to generate tax deductions buy adding money back to super – which can reduce a tax bill.
Alternatively, you could use the money to reduce the number of hours you’re working each week!
There’s lots of options to consider how you use the transition to retirement strategy.
How do you start a transition to retirement pension? Luke outlines the steps.
Remember you don’t have to quit your job to access your super under these rules!
Luke shares his thoughts on the transition to retirement strategy – start with the right reasons for your situation.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/07/The-Strategy-Stacker-Luke-Talks-Money-17072026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you making the most your retirement planning options? Transition to retirement can be a useful strategy to help you reach a variety of goals – like paying off a mortgage, securing a tax deduction or reducing your working hours. Make an appointment with Luke to secure your own retirement plan and retire with greater confidence. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 10 July 2026 with 2CC’s Leon Delaney. The topic is: Personal Super Contributions and the Notice of Intent Form. In this episode Luke takes a look at the trap many fail to miss as people commence their tax returns by themselves or with an accountant – it’s the trap of missing the Notice of Intent form!

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

We’ve talked recently about maximising super contributions and the tax deductions you can get.
This financial year features an increased concessional super contribution cap of $32,500.
Superannuation contributions needed to be made to your fund before 30 June 2026.
The Notice of Intent form – What is it?
Who do you lodge your Notice of Intent form with?
What does the Super fund do once they’ve processed your form?
What should I give to my accountant when getting my tax done?
If you intend to take money out, roll it over, or transition your account into a pension after retiring, there are rules. Your Notice of Intent form must be lodged and processed before any money leaves the account.
There is no requirement to lodge a separate Notice of Intent form for every single transaction. You can make multiple personal contributions over the year and submit a single, combined form at the end.
The absolute deadline to submit the Notice on Intent form is either the end of the financial year following the year the contributions were made or when the super fund lodges its tax return—whichever comes first.
If you choose not to claim a tax deduction, personal contributions fall under non-concessional rules. Non-concessional contributions are capped at $130,000 annually or up to $390,000 over a rolling three-year period.
Luke shares his thoughts on the Notice of Intent and where to get more information.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/07/The-Strategy-Stacker-Luke-Talks-Money-10072026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you making the most your financial planning options? It’s important to remember your Notice of Intent form. Even if you made a personal contribution to your super, the ATO will not give you a tax deduction for it, unless you lodge this form with your super fund. If you need Super or Retirement help, meet with Luke. You don’t need to figure it out by yourself!Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 3 July 2026 with 2CC’s Leon Delaney. The topic is: Setting new financial year priorities. In this episode Luke takes a deep dive into setting some goals now that 30 June is behind us. What could you be thinking about right now to take another step forward?

But before they dive into this week’s topic, they have a quick chat about the end of financial year working in financial planning.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

The new financial year has arrived.
You’ve completed last financial years tasks? What could be you be doing?
A good starting point is looking at your outgoings – expenses. There are some key things to look at.
Don’t forget about discretionary spending – small consistent costs DO add up.
Unclutter your life – sell unused items in your preferred online platform if you’re not using it.
Start something saving and investing if you haven’t – it doesn’t need to be big to start.
From 1 July 2026 the super contribution limit has increased – it’s now $32,500, will you salary sacrifice?
Take action with your partner, be a role model with for your kids.
Don’t forget to be realistic, set short term goals, and reward yourself for achieving them.
Automation helps too – it stops you from forgetting to do something.
Did you know an investing account be opened for as little as $200. Momentum and time make a difference.
Luke shares his thoughts on making the most of the new financial year.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/07/The-Strategy-Stacker-Luke-Talks-Money-03072026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

What are your financial new year resolutions? Can we help kick your goals?What goals will you kick in the new financial year? Grow your super? Save and invest? Start planning for retirement? Remember you don’t need to do it alone. Make an appointment to meet with Luke if you need personal financial planning advice. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 26 June 2026 with 2CC’s Leon Delaney. The topic is: Superannuation Changes from 1 July 2026. In this episode Luke takes a deep dive into the changes to super starting in the new financial year which is just around the corner. By understand the changes, you can assess what your own financial opportunities are and set goals to make the most of them.

But before they dive into this week’s topic, they have a quick chat about the Socceroos vs Paraguay, and Australia advancing to the next stage.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

A new financial year is just around the corner, do you know about the changes?
Should SMSF’s be allowed to borrow money to buy residential property? You can’t anymore.
Council red tape removal might be a better way to help supply!
From 1 July 2026 you can make a concessional contribution of $32,500 (a tax-deductible contribution), it was previously $30,000.
From 1 July 2026 you can make a non-concessional contribution of $130,000 (no tax deduction), it was previously $120,000.
If you use the non-concessional bring forward rules, it means you can now get $390,000 into super in one go.
The Transfer Balance cap for those starting a pension becomes $2.1 million, previously $2 million. This gives you to have more money in a tax-free environment at retirement.
The Total Super Balance becomes $2.1 million, previously $2 million. This deals with how much money you can get into super.
Employee superannuation contributions now must be paid by employers every fortnight – so check your employer is meeting their obligations if you’re an employee.
Division 296 tax is an additional tax imposed on superannuation earnings for individuals with total super balances exceeding$3 million. This tax will come into effect on 1 July 2026 and applies to earnings earned during the 2026–2027 financial year and subsequent years.
Government co-contribution arranges into super are slightly rising too, check your eligibility if you’re earn less than $64,000 and meet the requirements, which include making a non-concessional contribution to your super.
The Small Business CGT Cap is increasing, which might be advantageous to small business owners who sell a business. It is complicated and there are rules, so seek advice. For the 2026-2027 financial year, the lifetime cap will be $1,935,000.
Luke shares his thoughts on making the most of your super –

https://www.envisionfinancial.com.au/wp-content/uploads/2026/06/The-Strategy-Stacker-Luke-Talks-Money-26062026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need advice to grow your super or start planning for your retirement?Superannuation changes start from 1 July 2026. If you’re thinking about doing more with super, explore the changes in regard to your own situation. Remember you can seek advice if you need help with super and retirement planning. Start by making an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 19 June 2026 with 2CC’s Leon Delaney. The topic is: What is a testamentary trust and how does it benefit the next generation if something was to happen to you. In this episode Luke takes a deep dive into this estate planning consideration. It’s a must listen if you have children.

But before they dive into this week’s topic, they talk about the amendments that are now being made from the Federal Budget announcements. Are these back flips? It’s definitely good news for all those that will benefit from the changes. The testamentary trust backflip is also a great outcome, and a great topic for this week’s podcast.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is a testamentary trust?
When do they come into effect?
What are the benefits of this trust for your beneficiaries?
There is a specific benefit for minors from a tax perspective.
What about blended families?
You must consult with experts, an estate planning lawyer is an essential party to use.
The deed of the trust is especially important.
Don’t dismiss the importance of a well written Will.
Luke shares his thoughts on setting up a testamentary trust.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/06/The-Strategy-Stacker-Luke-Talks-Money-19062026-1.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need advice to help your money grow and estate planning matters?Have you considered using a testamentary trust in your Will? There are several benefits to using one and it can provide you with additional peace of mind that your loved ones will be looked after. If you need financial planning advice, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). He can also talk to you about testamentary trusts and refer you to an estate planning expert if you need one. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 12 June 2026. The topic is: Exchange Traded Fund (ETF) – Why could it be right investment for your portfolio? After you’ve set your goals and determined your risk profile, the next decision to make is what will you invest in? An ETF might be a suitable option for you. But as always, there’s a bit to consider before you buy any investment. In this episode Luke takes a deep dive into ETFs.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is an Exchange Traded Fund (ETF)?
What are the characteristics of an ETF?
What does an ETF cost?
What are the benefits of buying an ETF?
How do you buy an ETF?
How do you earn money from an ETF?
Are ETF’s good investment options for kids?
Liquidity and Exchange Traded Funds
How ETFs work in practice – they’re not all built the same!
Some super funds offer ETFs, some do not – you can buy them outside of your super too.
Luke shares his thoughts on ETFs as part of a diversified investment portfolio.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/06/The-Strategy-Stacker-Luke-Talks-Money-12062026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need advice to help your investments and super grow?Are you looking at new investments or reviewing existing ones? An ETF might be part of your diversified portfolio. Make an appointment to meet with Luke if you need help with investment decision making to help you achieve your financial planning goals.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 5 June 2026. The topic is: Buying an investment property: Is it still a good decision? Last we spoke about the tax changes from the Federal Budget, and this episode continues that conversation from the perspective of a property investor.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What’s the capital position that you can afford – depending on the type of property?
How much can or will you borrow when buying an investment property?
Banks are changing the way they look at loans for real estate.
Negative gearing may change your ability to pay back a loan.
What’s happening with interest rates right now and are you factoring in future rate rises?
How will you borrow – for a home or an investment and how it is structured to pay it off?
Do you have an offset account or a re-draw facility – they are not the same thing!
House or unit – there are differences when you start dealing with body corporates in a unit/apartment.
Don’t forget about land tax – it’s a big issue especially in the ACT.
There are stamp duty considerations too regardless of your state or territory.
If property was a good decision for you before the tax changes, is it still a good decision now?
Who is going to own it? You as an individual or couple or a structure like a trust or company?
Are there entry level properties? Perhaps you’re after a family home? Understand why are you buying it?
Can you afford it? Importantly, can you afford it under duress?
Luke shares his thoughts on buying a property in the post budget environment there’s a lot to consider.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/06/The-Strategy-Stacker-Luke-Talks-Money-05062026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need advice to help you consider your goals and investments?Buying an investment simply for tax reasons is never the right investment decision. There’s a lot more to consider and it’s important you weigh up more than just tax implications. Seek financial planning advice and make an appointment with Luke if you need help. Without considering all aspects, you might end up regretting your investment.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 29 May 2026. The topic is: Tax Budget changes – What does it mean for your situation? As promised in previous episodes, Luke is joined by Rhys Kyburz to talk about tax matters. Rhys is a Partner and Accountant at RSM Australia in Canberra. They specialise in tax and accounting matters, and Rhys is ideally placed to provide tax and accounting advice.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

The changes are proposed at this stage, not yet law.
Understanding how the changes will affect you is essential BEFORE you make important decisions.
Will the changes actually help young people to own to own a home?
What are the issues for existing investment property owners? The good news is you can still negatively gear these investments.
What are the issues for people who own shares and other assets outside of super? The new rules will apply to you too.
What are the issues for people with trusts? There might be a move to company structures.
Testamentary trusts are also caught up in the budget proposals. The government may not proceed with this, it’s deeply unpopular as it affects minors. It affects your estate planning and your Will if you have one included within it.
Capital Gains Tax rates – how would it work going forward? While there is an opportunity to change structures to avoid negative outcomes, stamp duty may still apply to real estate during the transfer if it’s charged by your state or territory government.
Luke shares his thoughts on these changes and what should you do.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/06/The-Strategy-Stacker-Luke-Talks-Money-29052026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you going to need advice to manage the budget and tax changes once they become law?The proposed budget tax changes aren’t law yet, but they are causing concern in some quarters, especially those with investments including rental property. Make sure you understand the facts before making important decisions and seek advice if you need help to understand your options.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

You can also reach out to Rhys Kyburz at RSM Australia on 6217 0300 for your tax and accounting advice questions and needs.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 22 May 2026. The topic is: Why having an adviser may save you a fortune! We’re closing in on the end of May, the new financial year is just around the corner. In in this episode, Luke and Leon talk about the value of seeking expert financial advice to navigate complex issues like end-of-financial-year financial planning, tax deductions and estate management. Listeners are encouraged to avoid do-it-yourself mistakes and protect their long-term wealth with professional advice.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

The end of financial year is past approaching.
The value of professional advice – fundamentally helps you avoid do it yourself mistakes
Navigating budget proposals – there are things we know and things we don’t know – most people don’t have the time to dig deeply like an adviser does.
There are accounting and estate planning complexities too. Spending time with those professionals is as equally beneficial.
A financial planner can help you make the most of your opportunities.
Getting a professional team around you makes you more capable and more protected.
Why would you want to deal with Centrelink at retirement? A financial planner can help with that too.
Are you really going to compare super funds yourself? Most people don’t dig deep into how hard their retirement savings vehicle is working for them or compare other options.
Can you improve the way you do something with professional advice and good professionals around you?
Luke shares his thoughts about what to expect when working with professionals – it’s about making your life easier.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/05/The-Strategy-Stacker-Luke-Tallks-Money-22052026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need professional financial advice? Financial planning is complex. Most people don’t deal with it every day, but an adviser does. Their knowledge and support can make a world of difference your own peace of mind. Make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 15 May 2026. The topic is: The people that you have around you. The company you keep matters and after this show you might pause and reflect on your own situation, what’s working well and what’s not.

You might have been expected the show this week to be about the Federal Budget. We promise those shows are coming, with insights and experts who can break down the issues in detail to help you assess how it might impact your own situation. Luke will also talk about financial planning opportunities and responses to changes.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Life is complex, and at some point, you realise you can’t do everything by yourself.
Stick to your strengths, outsource the things you’re not good at.
Can you work with others to achieve your goals?
The problem with negativity and what it can do to you.
The power of positivity and what it can do for you.
The value of professional advice as part of the people around you.
It’s your choice, who will you take advice from?
The right mentality for success.
Luke shares his thoughts about the company you keep.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/05/The-Strategy-Stacker-Luke-Talks-Money-15052026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to move forward positively with your financial future? The company you keep matters. It isn’t just about the professionals you hire to help you move forward; it’s also about your social group too. More can be achieved through positivity. Negativity will slow you down and distract you from your goals – whatever they are! If you need financial advice make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 8 May 2026. The topic is: Should I go back to work after I retire? What are my options?

It’s not uncommon for many early-stage retirees to rattle around the house and decide they’d like to go back to work – just a couple or a few days per week. It’s a conversation that Luke has with many of his clients after they’ve willingly given up full-time work. They are often bored, missing social interaction, want to stay mentally sharp and want to fund a few extra activities while they still have a capacity to earn.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is a plan really?
Rattling around after retirement – Can you go back to work?
What are your retirement goals? Even golf may get to be hard work if you were doing it 5 days a week.
Want more money in your retirement? Is working 2 days a week (25k a year) easier than saving 500k?
There’s a misconception that you’ll pay too much tax if you go back to work after retirement – Luke gives an example.
Going back to work offers several benefits beyond income as well. Don’t dismiss the opportunity without exploring it.
Understanding what age 65 actually means in terms of super.
What is a recontribution strategy? Can I add money to super after I retire?
Live listener question: If you are on the Centrelink aged pension, can you go back to work?
Luke shares the key things to think about when asking should I go back to work after I retire?

https://www.envisionfinancial.com.au/wp-content/uploads/2026/05/The-Strategy-Stacker-Luke-Talks-Money-08052026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to maximise your retirement or return to work plan in 2026? Retirement plans can include a range of goals, including working to supplement your Centrelink Aged Pension or Your Pension from Super. If you need help to explore your options, make an appointment with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 1 May 2026. The topic is: Tax deductions, superannuation and 30 June 2026. What should you be thinking about from a financial, tax and retirement planning perspective as we approach the end of financial year?

The secret to good retirement planning and tax planning is to understand your options sooner rather than later, and not to leave your actions to the last minute. Each super fund has its own rules on when contributions can be received and it’s important that you don’t miss their deadline.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

The end of year is approaching fast.
One way to save tax is to put more money into your superannuation.
Understand what’s right for you -that is the right place to start.
Why it’s important to look at your effective tax rate.
What is your concessional contribution limit? How do you work it out?
You might also have concessional catch-up space too.
When should you make a contribution to your super? What’s the fund’s cut-off date for your fund? Ask them!
Strategies for self-employed, those who have sold an asset and those with capital gains tax concerns. Accounts can help you work out your tax numbers!
What about defined benefit scheme members? Know your numbers too.
Ways to get money into super – in summary.
Don’t forget your Notice of Intent – why it’s important.
Luke shares the key things to consider when assessing and using this strategy.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/05/The-Strategy-Stacker-Luke-Talks-Money-1-May-2026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to maximise your super or retirement plan in 2026? Don’t let the end of financial year be stressful. Consider your options and make a plan to act now if it helps you reach your goals. You can also make an appointment with Luke if you need super or retirement planning advice to help you understand your options in detail.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 24 April 2026. The topic is: I am going to retire in July. What should I get ready so there are no surprises?

The start of a new financial year is a time that many Australians make the decision to retire from work. Of course, there are range of factors to consider given your own needs and situation. In this episode financial planner Luke Smith explores some key issues you might consider as part of your decision making. If you need help, please seek financial planning advice before making any big decisions.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

There are a lot of “I don’t knows” when it comes to retirement planning. Luke offers an approach to help with your decision making in this episode.
Do you know what your fixed costs are?
What would you want extra money to do above fix costs? E.g. Travel overseas is a variable cost.
Where and how will you generate your income to cover those costs?
Understand your asset base.
What about part-time work in retirement to supplement your income?
The benefit of pre-paying things and when to sell property investments.
Some people say you need 70% of your working income in retirement. Is that right?
Your retirement income needs change as you age too
What about estate planning and other important legal documents?
What do you need to do to plan for your retirement?
Luke shares his tips to help you on your own retirement journey and where to get more information.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/04/The-Strategy-Stacker-Luke-Talks-Money-24042026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you going to retire in July this year? Set yourself up for success. Are you thinking about retiring from work this end of financial year or in the new financial year? If you need personal retirement advice, make an appointment to meet with Luke. Seeking financial advice before you retire can help you assess your options and make the most of it!Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 17 April 2026. The topic is: Who can add money to superannuation and when can you do it?

Imagine missing out on being able to add money to super – and a tax-free pension at retirement – simply because you didn’t know the rules around adding to super. Luke takes a deep dive into this topic to help you make the most of your pre-retirement planning and retirement. Of course, if you need help, please seek financial planning advice.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

People make all kinds of assumptions around adding to super without knowing the facts, so who can add money to superannuation?
What are the two ways of getting money into super and how much can you put in?
Are you eligible to put money into super?
Did you know the downsizer contribution also lets you get money into super?
Transfer balance cap and total super balance still can cause confusion.
Catch-up concessional contributions also may help you get more money into super.
Once you start a pension you can’t put money into it, but it doesn’t automatically mean you can’t put money into a super account.
Luke explores how to get money back into super if you’re in the pension phase.
The benefits of tax-free money in estate planning terms.
Busting the free myth around running two accounts.
Luke shares his tips on adding more to super.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/04/The-Strategy-Stacker-Luke-Talks-Money-17042026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with adding more to superannuation or retirement planning?A key part of retirement planning is making the most of super so you can enjoy the benefits of a tax-free retirement. The rules aren’t always clear, so seek advice for your own situation. Make an appointment to meet with Luke if you need assistance. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 10 April 2026. The topic is: Misconceptions people have as we approach the end of financial year. This show was pre-recorded as Leon and Luke were both on Easter break.

Misconceptions can cost you money and opportunity in your EOFY financial planning and retirement planning. Luke takes a deep dive into the issues and provides the facts to help inform better decisions about your finances. Of course, if you need help, please seek financial planning advice.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key misconceptions covered include:

I’ve retired from the workforce, so I can’t add more into my super.
I can’t claim a tax deduction for putting money into super if I’m not working.
I need to put money into super to lower my tax if I’m working.
My super balance is over 500, I can’t make a contribution to super.
I can’t put money from a pension back into super.
My kids won’t pay tax from my super when I die.
Self-managed super funds are expensive and hard to run.
I don’t have $20,000 to start investing, so I can’t start.
We’re not going to get any Centrelink, because I’m over the asset’s threshold.
I have a Will that takes care of all of my assets.
Does balanced mean balanced – 50% growth or 50% defensive inside my super – What are you actually invested in?
Luke shares information on where to get more information.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/04/The-Strategy-Stacker-Luke-Talks-Monwy-10042026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with EOFY Financial Planning or Retirement Planning?End of Financial Year Planning is just around the corner. If you need to take action, do it sooner rather than later and seek advice if you need help to make sense of your opportunities. Misconceptions can cost you time and money. Make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 27 March 2026. The topic is: The Super Splitting Strategy. What is Super Splitting and why would you use this strategy as part of your retirement planning?

Super Splitting is perhaps one of the most underutilised strategies Australians fail to consider as part of their retirement planning. It’s important that you take the time to consider your options and strategies, to help you reach your retirement goals more confidently.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is Super Splitting and how much super can you split?
What would you split your superannuation with your partner?
How often can you split your superannuation? Is it once-off or do you have to do it yearly?
If you super split, does it impact their threshold to make tax deductible contributions? Good news, it doesn’t!
What happens to super splitting contributions if your relationship broke down?
Super splitting and the transition to retirement strategy may be an option you consider too
What might you use the tax-free money for? Pay off the mortgage.
Are there other reasons why super splitting might be a useful strategy?
It’s important you know the caveats around this strategy so you use it correctly.
What are the steps you need to follow to split your super with your partner?
Also think about your asset allocations when you super split. What is it now? What will you be in your partners super account?
Luke shares his key strategy tips around super splitting. Seek financial advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/03/The-Strategy-Stacker-Luke-Talks-Money-270326.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with super splitting or planning your retirement?Superannuation rules can be complex, and most people don’t deal with every day. This strategy can help you access tax-free money sooner in the right situation. Make an appointment to meet with Luke if you need help with super splitting and other retirement planning strategies. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 20 March 2026. The topic is: 2026 Market Volatility- How do I manage it and are there opportunities?

Events in the world can affect financial markets, and that’s happening right now. This can feel unsettling. Ongoing conflict in the Middle East, along with uncertainty about what the US President may do next, is putting pressure on markets. So, as an investor, what should you do?

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

In times of volatility, what do you need to remember?
It’s probably affecting us more this time because of rising fuel prices, but the middle east has been in conflict before.
Remember your investment portfolio and superannuation are long-term vehicles, both outlast a US President, a war and any one economic policy.
Check your performance not only this month, but the past year and the longer-term.
Remember price is a reflection of sentiment at a point in time.
Dollar cost averaging is a great strategy you might consider.
Plan and accept things are going to cost more this year into your budget.
The RBA might also continue to increase interest rates if prices rise, in an effort to slow inflation.
Keep in mind your asset allocation and risk profile, and if you don’t know your asset allocation take a look and see how growth orientated or defensive orientated it is. Balanced options in super funds are rarely balanced – they are more often than not skewed to growth.
The danger of selling out and missing the recovery.
Diversification still matters in 2026.
Think strategically, is it time to buy? Look at individual investments if you need to.
Luke believes that your time horizon should be linked to your life, not your retirement age – and he explains why.
Luke shares his top tips to think about times like this and some practical steps you may consider. Seek financial advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/03/LUKE-SMITH-20.3.26-EDITED-1.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to make the most of your retirement and financial plans amongst the 2026 market volatility?No one likes market volatility and the uncertainty it causes. If you need guidance to get started on retirement planning or investing, make an appointment to meet with Luke. It can help you step forward with greater confidence using the strategies that are available to you.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 13 March 2026. The topic is: Changes to superannuation thresholds from 1 July 2026 – How will they affect your retirement planning? Any changes to the superannuation rules will present opportunities for those who are switched on enough to take the time to understand them and use them wisely. In this episode Luke takes a deep dive into the superannuation changes that come into effect from 1 July 2026 and financial planning strategies you may consider.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

We know under the current rules, there’s a concessional contribution cap on how much you can put into super and claim a tax deduction. It’s currently $30,000 a year which can be made up of your total employer contributions as well as your own.
From 1 July it will increase from $30,000 to $32,500.
What are the opportunities for you?
Remember you can put money into super if you’re under 67 and use this!
There’s also a change to the non-concessional contribution limit. This is money you put into super without claiming a tax deduction.
When do you use this type of contribution?
From 1 July 2026, the non-concessional contribution limit will increase from $120,000 to $130,000.
Where are the opportunities for you?
Remember the downsizing legislation is separate from the non-concessional contribution legislation.
From a pension perspective, the Transfer Balance Cap is also increasing from 1 July 2026.
Why your Total Super Balance Matters.
Luke shares his top tips to think about the changes and your own situation – seek advice if you need help, it’s complicated.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/03/The-Strategy-Stacker-Luke-Talks-Money-13032026-Final.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to make the most of the new superannuation rules and your retirement plans?Super thresholds can be complicated, even more so when you try to start stacking different pieces of legislation together to plan for your retirement. Make an appointment to meet Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 6 March 2026. This week Luke have invited as special guest Rhys Kyburz to join him in the studio with Leon Delaney. Rhys is a Tax Expert and a Partner at RSM Australia. The topic is: Capital Gains Tax – Are there changes ahead and what might they look like for you? There’s been a lot of talk lately from all sides of politics around Capital Gains Tax (CGT). Some argue it’s time to change the CGT rules as it will help young Australians buy their first home. But what might those changes look like and how may they affect you?

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What are the CGT rules now?
The change that’s most commonly proposed around the 50% Capital Gains Tax Discount.
Don’t react to noise – a lot of proposals never get passed.
If you make decisions based on tax alone, you’re probably not going to make good investment decisions.
Implementation of tax changes can be challenging – when should Government start it?
What might the Capital Gains Tax change look like?
Should there be a grandfathering period to help people make decisions and adjust to the change?
Will CGT changes really impact house prices?
Will Negative Gearing also be affected?
How can we increase supply and reduce costs of supplying of new homes?
Luke and Rhys share their tips to help you start thinking about Capital Gains Tax changes within your own situation.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/03/The-Strategy-Stacker-Luke-Talks-Money-06032026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning or tax planning advice to help you step forward with confidence?Capital Gains Tax should be part of your investment strategies decision making, but not all of it. It pays to start with the end in mind. If you need help seek financial planning advice with Luke and tax planning advice with Rhys.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

If you’d like to speak with Rhys Kyburz at RSM Australia about tax matters, you can make an appointment to meet him on 6217 0300.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 27 February 2026. We’re at the end of February the year is flying! Luke is joined by Leon Delaney to talk about a topic that every working Australian will need to give consideration to at some point. The topic is: How do you turn your super into a tax-free pension and why it might make a difference for you? If you’re thinking about your retirement in 2026, or within the next 5 years, this episode will be very valuable to you.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Do I just cash out my superannuation and put it into the bank? Yes you can if you want to pay tax!
What’s the better way to turn my super into an income stream and have that income be tax free?
A pension is the most tax effective vehicle in the superannuation environment.
When Luke talks about pension here, he’s talking about a pension from your super, not the Centrelink aged pension.
What are the benefits of a pension from your super?
What are the common questions Luke gets about retirement, super and pensions?
How much are you required to take from your pension account each year?
You probably have cashflow and tax planning strategies available to you at retirement. Do you know what they are and how to use them?
How often do you need to take a pension payment?
Why is it important to understand the different between a lump sum payment and a pension payment and how you take it out?
How do you start a pension? How old do I need to be?
Your preservation age (60, for people born after 1 July 1964) is not the same as your Centrelink eligibility pension age (67, as of 1 July 2023). You might be missing out on opportunities that you don’t even realise this thinking you have to wait until you’re 67.
Perhaps you could access your super as a pension and pay off your home loan while another partner doesn’t give up work.
Did you know that if you reach age 65, you don’t have to stop working if you don’t want to – but you can pull-out tax-free money from super.
How can you use the rules to your advantage? Luke talks about some of the strategies you might put to use to help you reach your goals.
Can you still add to superannuation if you have started a pension? It’s good strategy to help mitigate capital gains tax on sales outside of super.
Can you stop a tax-free pension once you’ve started it?
Luke shares his tips to help you start your retirement planning and pension journey.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/03/The-Strategy-Stacker-Luke-Talks-Money-27022023.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice for your own tax-free retirement? Would you like a tax-free pension from your super? Superannuation and retirement planning can be complex. Make an appointment to meet with Luke to explore your options and strategies before you retire. Make the most of your retirement strategies!Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 20 February 2026. The end of of Summer is almost upon us! Luke is joined by Leon Delaney to talk about a topic that is important for parents and grandparents. The topic is: How can you give your kids the greatest start in life financially? It’s not about hand-outs on silver spoons, it’s about what you teach them and a lot is learned through them watching what your own financial behaviour is like too.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

People, including kids, are a product of their environment. What environment will you create for your kids when it comes to money?
Language, information and behaviour should be positive and reinforced over time.
A little savings plan is a good way to start; it provides principles in practice and gives them a connection with financial decisions and outcomes.
Can technology help?
There’s a benefit to savings repetition, without an end date in mind – sure you can save for a specific thing, but you can also teach them to be long-term savers and investors.
Compound interest has really good positive benefits in the long-term. Luke gives an example.
There’s a real financial benefit of starting something for little ones when they arrive. Equally, it’s never too late to start.
Engage the kids, don’t just do it for the kids without involving them. This keeps them uneducated.
Luke believes if you’re simply given money or inherit it, most people will behave differently, to those that earned it. And while young kids might not understand the full mechanics, they learn something about it at an early age.
You can then build on these early learnings. For example, when they do get a job, they can add their own savings and take more ownership.
Remember you can amend what you save to invest at different stages of life.
Luke shares his tips to help you give your kids the greatest start in life financially.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/02/The-Strategy-Stacker-Luke-Talks-Money-20062026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice for your own financial goals? Are you a parent or grandparent wanting to help your kids? Don’t just do it for them, involve them, show them and start with something small to make it real. If you need financial advice, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 13 February 2026. Luke is joined by Leon Delaney to talk about a super strategy that is largely underutilised by most Australians. The topic is: Catch up concessional contributions: What are they and how do you do it? Most people know there is a limit on the amount of contributions you can make to your superannuation fund each year. But what you may not realise, if you don’t use your full amount, you are able to use those unused amounts in future years. This means you can claim an even bigger tax deduction which most people won’t say no to. There are a few rules to keep in mind.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

You can put in $30,000 a year into your super under the concessional cap. With indexation, this amount will rise to $32,500 from 1 July 2026.
What are the rules to using the concessional contribution cap?
- You have less than $500,000 in your super account at 30 June of the previous financial year
- You are able to look back 5 years to see what concessional contributions you haven’t used in each of your annual limits and use them.
- You don’t have to use all of your catch-up amount in one go, you might space it out over a couple or more years.
By using this concessional cap space, you’re able to receive a larger tax deduction.
It’s important you think about using this opportunity as part of your overall financial plan.
Why might you use this opportunity?
- If you have a large capital gain from the sale of an investment property, you could offset some of that tax liability with a tax deduction from a super contribution.
- It’s a good opportunity for stay-at-home parents who haven’t been working, when they come back into the workforce to bolster their super. This allows them to catch up on the contributions they’ve missed out on and get a tax deduction.
When might this strategy not be the best course of action to take?
What other situations might this opportunity be advantageous?
What mistakes to people make with this strategy?
If your balance is approaching or over the $500,000 at the 30 June or approaching 30 June, which stops you being eligible to use this opportunity, is there anything you can do to lower your balance? There are a few strategies you may consider if you’re eligible to use them. This includes taking money out of super if you’re eligible to withdraw funds and paying off your mortgage.
Luke shares his tips to help you understand catch-up concessional contributions and use them as part of your financial planning. And don’t forget to lodge your notice on intent to claim the tax deduction! Without it, you won’t get your deduction.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/02/The-Strategy-Stacker-Luke-Talks-Money-1302026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your catch-up contributions, super and retirement? Did you know that you use catch-up concessional contributions space that you haven’t used in the previous 5 years? If you need help with boosting your super and retirement planning, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 6 February 2026. Luke is joined by Leon Delaney to talk about a super topic that is specific to people who have been employed within the Public Sector. The topic is: What is the Transfer Amount in the PSS and what can I do with it? The Public Sector Superannuation (PSS) Superannuation Scheme is a defined benefit scheme. This means it doesn’t work like a regular accumulation superfund and has special rules about how benefits are calculated and taken. The rules aren’t always easy to follow. The calculations to work out the benefits aren’t as straight forward as you might think.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Many people look at their numbers and can’t figure out why they’re not getting the amount that’s on their paperwork.
What is a Transfer Amount in the PSS?
How do I work out what my Transfer Amount is?
Where did my Transfer Amount come from?
The PSS has special retirement rules. You can start a pension or take a pension and lump sum from the PSS at age 55.
What financial planning options are available to you if you have a Transfer Amount?
It’s important to know your concessional contribution limit if you plan to use a second super fund and seek a tax deduction for your super contributions to it.
You can start a concessional contribution strategy with a second super fund of your choosing.
If you’re over 60, you can rollover the Transfer Amount to start a Transition to Retirement strategy, outside of the PSS, with that money. This strategy is not available inside the PSS.
Of course, you’ll need to select a normal super fund (an accumulation fund) outside of the PSS to implement these strategies.
It’s important to note that the Transfer Amount, and what you do with it has no impact on the calculation of your benefits at retirement with the PSS.
What are the issues you may consider when selecting another super fund?
You can fund personal insurance in a super fund outside of the PSS too, using your Transfer Amount as a basis for starting that new fund.
Luke shares his tips to help you understand the Transfer Amount and consider your options.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/02/The-Strategy-Stacker-Luke-Talks-Money-06022026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with retirement planning in the PSS or what to do with your Transfer Amount? If you have a Transfer Amount within your PSS, is it working hard for you? Make an appointment with Luke if you need help to do more with it. Luke can also help you with PSS retirement planning too.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 30 January 2026. Luke is joined by Leon Delaney to talk about a super topic that causes many superannuation members heartburn. The topic for this week is: What happens if I hit the Transfer Balance Cap? What does it mean for my superannuation and retirement income? The transfer balance cap is an Australian superannuation rule that limits how much of your super you can move into a tax‑free retirement pension (an account-based pension). Many people dislike it because it restricts tax‑free earnings, adds complexity, and can create unexpected tax bills if breached.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the Transfer Balance Cap?
How much is the cap in 2026? What will it be indexed to on 1 July 2026?
When is the Transfer Balance Cap triggered? It does not impact you if your money is still in super and it does not impact you if you start a transition to retirement legislation.
What makes up the cap? Defined benefit schemes are considered towards your Transfer Balance cap.
How do I work out how much my defined benefit scheme impacts the cap?
Not everyone will have the same Transfer balance cap, remember it is only triggered when you start your pension. Therefore, a person who started a pension three years ago will have a different transfer balance cap to a person who started one today. This means you need to understand the rules as they apply to your own situation – not someone else’s situation.
And while the Transfer Balance Cap is indexed each year, it doesn’t mean you get the full indexation applied to your own cap. Many people fall into the trap of thinking they are eligible for the full amount of indexation when they will not be. Let’s just say you have used 90% of your cap in the year of starting a pension. This means there’s 10% left. It also means you are only eligible for 10% of the indexation.
Remember, Total Super Balance rules deal with how much you can put in, Transfer Balance cap rules deal with tax when you start taking it out in retirement.
How is the tax relating to the Total Super Balance actually calculated? It’s not as bad as most people think!
Why is it important to get advice on this for your own retirement planning?
Luke shares his tips to help you understand the Transfer Balance Cap.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/02/The-Strategy-Stacker-Luke-Talks-Money-30012026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to work out your Transfer Balance Cap and how to manage it?Retirement Planning can be complicated and with many rules and regulations to consider, it’s important you find and create your own retirement strategies and plan, for your own situation and goals. Make an appointment to meet with Luke if you need advice.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 23 January 2026. Luke is joined by Leon Delaney to talk about a specific aspect of super that is poorly understood by most. The topic for this week is: What is the Total Super Balance (TSB)? Luke takes a deep dive into this topic, what it is and how it impacts your retirement planning.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

In past show’s we’ve talked about how much money you can put into super.
You can put in $120,000 tax free as a non-concessional contribution or 3 times that amount.
This is a great opportunity to boost super if you’ve inherited some money, sold an asset or want to boost a partner’s super balance before retirement
But there is a limit on how much you can put into super using concessional contributions; that’s the role of the TSB.
The total super balance is now $2 million.
This means once you reach that amount, you’re not longer eligible to make non-concessional contributions to super.
Therefore, you need to check your balance to see if you’re eligible to contribute using non-concessional rules. Many people fail to check.
You can however still make a concessional contribution to super, even if you’ve reached $2 million.
Total Super Balance is not the same as Transfer Balance Cap – the two terms are often confused. Total Super Balance determines your eligibility to make concessional contributions to super, while the transfer balance cap determines what tax, if any you might pay on your super.
What strategies can people consider if they’re close to the $2 million total super balance?
Couples should make use of the rules, to ensure both make the most of their individual TSB amounts.
Making concessional contributions is important for estate planning too, especially for adult children who benefit from your super or pension.
Those with defined benefit funds should also be aware the TSB rules apply to them; defined benefit funds are not exempt and have an amount recorded against them for the total super balance. Check with your fund to find out yours or in your Mygov account.
If you’re going to hold money outside of super, consider a family trust alongside your super or pension income.
Luke shares his tips to help you understand the TSB and make the most of your concessional contributions.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/01/The-Strategy-Stacker-Luke-Talks-Money-23012026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to work out your Total Super Balance or start retirement planning?Do you know what your Total Super Balance is? It pays to know when you’re retirement planning so you can make the most of concessional contributions to super. Make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 16 January 2026. Last week we spoke about the transitioning to retirement opportunity, how you can work less and take home the same pay using your super. This week we continue the transition to retirement strategy but focus specifically on how you can use the transition to retirement strategy to reduce your tax. Luke takes a deep dive into this financial planning strategy what it is, what the rules are and how it works.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Did you know you can also use the transition to retirement strategy to boost your super and save tax?
The transition to retirement strategy can provide the funds you need to make a tax-deductible super contribution.
Everyone can make a $30,000 dollar contribution and get a tax deduction. This amount includes the contributions made from your employer.
As an example, if your employer puts in $15,000 into you still have $15,000 free to make your own contribution and get a tax deduction.
The are some rules around accessing the transition to retirement strategy, including you need to be over 60.
If you’re over 60, money taken from your transition to retirement account is tax-free. You don’t pay income tax on it.
Check that your super fund offers a transition to retirement option.
You need to still keep a super fund open for your employer contributions and your contributions which are eligible for the tax deduction.
What if I haven’t used my $30,000 limit in the past, is there a way to catch up? Yes there is!
The tax benefits for the catch-up contribution rules can be significant; tax is only 15% for super. Many people pay more than double that amount on the income tax on their take home pay each year.
Can I use the salary sacrifice strategy to get the same result? No not always, it really depends on your situation.
Apart from topping up my super, can I use the transition to retirement income to pay off a mortgage?
The transition to retirement strategy can also be used to lower your super balance under 500k, so you have the ability to get more in under the rules.
While the rules are complicated, there’s good financial planning opportunities to consider so think about your options.
Don’t forget to lodge your ‘Notice of intent’ if you wish to claim a tax deduction for your super contributions, with the super fund you made the contributions too.
Luke shares his tips to help you explore and start a transition to retirement pension to boost your super and save you tax.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/01/The-Strategy-Stacker-Luke-Talks-Money-16012026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to transition to retirement or retire fully in 2026.Would you like to improve your retirement position and save tax? A transition to retirement strategy might be right for you. Make an appointment to meet with Luke if you need help to explore it.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 9 January 2026. We wish all our listeners a happy and safe 2026 and we welcome back Leon Delaney who is well rested from a holiday in Queensland. We turn to the topic for our second episode of the year: Is there a way to reduce my working hours but keep earning what I am earning? Many people at this time of year have enjoyed the break and the thought of 5 days on the tools or in the office isn’t that appealing. The good news is that there is a way to reduce your working hours and keep your income the same. It’s called the transition to retirement strategy and Luke takes a deep dive into what it is, what the rules are and how it works.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Do you have the return to workplace blues?
The transition to retirement legislation is a great way for you to work less hours and top up your income from your super while you still work.
How does the strategy work to help you replace your income from working a shorter work week?
How do you start a transition to retirement from your super?
How old do I need to be to use this strategy?
How much income (pension) do I need to take from a transition to retirement pension?
You also need to have a conversation with your employer, to see if they’ll agree to you having a shorter work week!
If you take the maximum (10% of the account balance), which may be higher than what you need to replace your income, you may do several advantageous things with it, like putting it into an offset account to reduce your mortgage repayments, you could also put some back into your super and claim a tax deduction if you’re eligible to do so. You might also pay down debt with it.
Can I still use this strategy even if I don’t reduce my working hours? Yes you can! It’s a good way to pay off the mortgage for you too.
Can the strategy be used if you’re in the CSS or PSS?
Can the strategy be used in a self-managed super fund?
Do you need to change your underlying assets to use this strategy?
How do you start a transition to retirement pension?
Luke shares his tips to help you explore and start a transition to retirement pension.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/01/The-Strategy-Stacker-Luke-Talks-Money-09012026.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to transition to retirement or retire fully in 2026.Would you like to improve your lifestyle by working less hours and maintaining your income? A transition to retirement strategy might be right for you. Make an appointment to meet with Luke if you need help to achieve your financial goals.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 2 January 2026. We wish all our listeners a happy and safe 2026. The topic for the first episode of 2026 is setting financial goals for the new year.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Measure your expectations and then take action that is sustainable.
Knee jerk changes don’t work in the medium and longer term, so don’t try and do too much too quickly.
Start by thinking about where you want to go over the next 12 months.
Break the action down into smaller bite size chunks.
What have you got coming in, what have you got going out – understand where your money is going.
Look at your results on quarterly basis – not monthly, give yourself time to work towards the bigger goals.
Beware of social media – it’s a highlight reel of people’s life, you don’t actually know how they pay for it!
Micro investing apps are a great way to start investing and you don’t need much to start.
Work with your partner, if you’ve had one, get on the same page and do it together, it’s easier with you both going in the same direction.
Work towards your goals at a pace that works for you.
Removing the waste and the clutter – is a great way to also make a few dollars by selling what you don’t need.
Think about how automation can help you reach your goals, like setting up a savings plan or investment with regular contributions.
Luke shares his tips to help you step forward in 2026.

https://www.envisionfinancial.com.au/wp-content/uploads/2026/01/The-Strategy-Stacker-Luke-Talks-Money-02012025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice to help reach your 2026 goals?2026 will be a big year for many people. Some will start retirement planning, and some will actually retire! If you need help, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 19 December 2025. The topic for this week is a great show to end the series before the Christmas break. The topic: 2025 in review. It’s time to take stock of what’s been happening this year, including legislative changes and financial strategies to help you keep your eye on your goals in 2026.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Good news for employees this year, your employer contributions rose to 12%, helping you save more for retirement.
The transfer balance cap and the total super balance both rose to $2 million dollars. Why is this important?
The proposal to tax unrealised capital gains was quashed. An increase tax was however passed on super balances over $3 million.
Downsizer legislation changed this year, it’s now available to those 55 and over, (it was 60 previously)
The super guarantee threshold was removed, even low income / part time workers are now eligible to receive super.
Converting preference shares are being phased out by APRA.
Contribution limits to super are still low, which is disappointing.
Don’t worry about proposals until the legislation becomes real. Governments will always float ideas.
Sharpen up your spending in 2026, know where your money is going.
Luke shares his tips to help you reflect on 2025 and think about your go forward for 2026.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/12/The-Strategy-Stacker-Luke-Talks-Money-19122025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Has your financial life met your expectations in 2025? Do you need advice in 2026?The end of year is a great time to reflect on where you’re at and where you’d like to be. There’s been a number of changes this year that might be opportunities for your own financial situation. Make an appointment to meet with Luke if you need advice in 2026.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 12 December 2025. The topic for this week is one that everyone can learn from as we head towards Christmas. In this episode Luke shares the most common misconceptions about financial matters he’s heard from clients this year. There’s a lot of information out there, but not all of it is good and some of it is from people who aren’t qualified on social media chasing more followers. This podcast aims to separate the facts from the fiction and provide you with the right information to start thinking about your own financial planning journey.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

I’ve retired and I can’t add any more to super. So that option closed to me. That’s not correct!
Can I start a new pension if I already have one? Yes you can and there might be good reasons to do it.
Can I stop a pension once I start it? Yes you can, you could roll it back to super, add more money in and re-start a new pension.
If my super balance is over 500k today, I can’t use the catch-up legislation, that means I’m not eligible – not true, 30 June of the previous financial year is the balance they consider.
I can only make a contribution of 10% to PSS Super. That’s not correct, you may make a contribution to another super fund and get a tax deduction too.
My kids won’t be taxed on my super if I pass away. If they’re adult children, they will.
If I don’t want an industry super fund, I have to get a SMSF – no there’s another option, a retail personal super fund.
SMSF’s are the most expensive option when it comes to super – with a high account balance they’re actually the cheapest.
My Will looks after my superannuation if I pass away. No correct, you’ll need to get a death nomination from your super fund.
I need to combine all my super into one fund. No there are reasons to have more than one, depending on your goals which might also include insurance and estate planning.
Luke shares his tips to help you navigate financial planning matters.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/12/The-Strategy-Stacker-Luke-Talks-Money-12122025-1.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help sorting out your own financial planning opportunities?Acting on the wrong information can be costly, and the pathway to making the most of your investments, super and retirement is not always clear. Make an appointment to meet with Luke if you need help and get some personal advice for your situation and help achieve your own goals.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 5 December 2025. The topic for this week is one that will affect many parents. Can I gift assets to my children? Increasingly Australian parents if they can afford to are gifting money and assets to their adult children to help them start out in life, perhaps to help them buy their first home or help with the deposit. The short answer is yes you can, but there might be consequences.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Yes you can gift anything to anybody you want
Is gifting a tax event? Is there a gift tax in Australia?
If you sell an asset to gift you might be liable for capital gains tax.
Should you give a financial gift or should loan it to them instead with a proper agreement?
What are the implications of gifting from a Centrelink perspective?
What are the Centrelink gifting rules?
You might be assessed as owning the asset, even though have gifted it, in the eyes of Centrelink.
Even though Centrelink will want to know about loans you make, having formal paperwork offers you protection should a breakup occur for example between your child and their partner if you were to lend them money to buy a home.
Does moving money between spouses trigger gifting rules? The answer is no!
Why might you gift between spouses?
If you’re not retired, be mindful of what impacts gifting to children will have in the future on your Centrelink entitlements.
Remember there’s also benefits to a part-pension even if you’re not entitled to the full aged pension.
Remember gifting has a wide definition in the Centrelink rules.
Luke shares his tips to help you navigate gifting to your spouse and your children.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/12/The-Strategy-Stacker-Luke-Talks-Money-05122025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help assessing if gifting is the right financial decision or how you might do it?Are you thinking about gifting to adult children? It might pay you to seek advice before you do, so you understand the consequences of making such a gift. Make an appointment to meet with Luke and seek personal financial advice for your individual situation.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 28 November 2025. The topic for this week is one all Australians need to pay attention to as not taking the right action can cost you tens of thousands of dollars in tax. This week Luke explores how to avoid tax on super when you die. Did you know that if you leave super to non-dependants they are taxed? While we don’t have any death taxes in Australia this looks and acts like it. Seeking good advice about financial planning including estate planning in regard to super and pensions can deliver you with more certain outcomes.

But before they start the show Luke and Leon have a quick chat about the new Bureau of Meteorology website which cost taxpayers $98 million dollars! Let’s hope someone is held accountable for this outrageous waste of public money.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

If you’re over 60 your super is tax free – but only for you!
Luke shares the experiences in his office where there’s client disbelief about such a tax on super could exist!
How does tax on super work?
Remember that are two components of super in tax terms, a taxable component, and a tax-free component.
The taxable component is the one you need to pay attention to in regard to tax when you pass.
How do I find out what my taxable component is?
The tax applies to those who are over 18 and are non-dependant.
How can I turn the taxable component into a tax-free component? It’s a little tricky but not impossibly complex.
Essentially you make use of the re-contribution strategy.
How much can I put back into super so it will be a tax-free component?
Make sure you re-contribute it as a tax-free contribution.
Luke provides an example of the strategy in action.
Remember, when you start a pension the tax outcomes are locked in depending on your components.
It therefore is important to plan sooner rather than later!
Can you have a second super and second pension account – Yes you can and it makes sense in the case of the recontribution strategy.
Luke shares his tips to help you navigate the tax on super issue and using the re-contribution strategy.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-28112025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help planning your super, retirement and estate planning?How to avoid tax on your super when you die? Luke thinks it should definitely be part of a retirement plan, but most people think we don’t have death taxes in Australia. Make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to an estate planning solicitor within his network at no cost.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 21 November 2025. The topic for this week is the Centrelink Asset Test. This test is one of two tests or assessments that Centrelink will do around assessing your eligibility for government aged pension income benefits. The other test is the Centrelink Income Test. Luke explores the Asset Test in detail. As the end of year approaches, he’s been receiving lots of questions on this topic as many people start to think about retirement next year. Seeking good advice about retirement planning can give you a more certain and more confident retirement income.

But before they start the show Luke answers a listener’s question: Can I withdraw money from my transition to retirement pension, place it in a bank account and gift it to my children? In short, yes you can!

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the difference between the income test and the asset test?
What does the asset test include?
Remember the family home is exempt!
If you have an investment property the value less any debt on the property is recorded as an asset.
Under the asset test, what total assets can you have as a couple?
Remember, this test gets indexed. While you may not be eligible today, you might be eligible in a year of two.
A part pension still provides you with the other benefits on offer!
Which test determines what pension you get? Is it the Asset test on the Income test?
How does gifting money affect your age pension entitlements?
Do gifting rules apply to a spouse?
Does my younger spouse’s super form part of the Asset test?
What does deeming mean and how does it affect Age Pension entitlements?
Understand the impact of downsizing and how it impacts before your Age Pension before you make decisions.
Luke shares his tips to help you understand how the Asset Test works when you apply for the Age Pension and some strategies you may consider.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-21112025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with strategies and planning for your retirement?Retirement planning should consider your eligibility for income through the Age Pension. The Assets Test is one of the assessments Centrelink will make. Seek advice if you need help to understand the rules before you apply.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to an estate planning solicitor within his network at no cost.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 14 November 2025. The topic for this week comes from one of our listeners: What is the difference between a binding and non-binding nomination in your super? This listener question is an important one – especially given that the value of your super is probably one of the biggest assets you might have outside of your family home. Luke explores the differences and gives some examples too. Seeking good advice can help you achieve greater estate planning certainty, and an estate planning solicitor should be involved.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is a binding nomination in your super?
Who can you make a binding nomination to?
What is a non-binding nomination in your super?
Why would you choose one over the other?
Most people don’t realise that your Will has no power over your super.
Remember tax issues when you’re estate planning
How does a non-binding nomination work?
Can I direct my binding nomination in my super to my Will?
Tax planning is also an important part of your estate planning.
Blended families and kids at different ages throw up estate planning challenges, but they can be solved with the right advice.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-14112025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help managing your financial and estate planning?Superannuation and estate planning is complex. Adding blended families and children at different ages also makes things challenging but not impossible to solve. Seek advice to help you get more certain outcomes.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to an estate planning solicitor within his network at no cost.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 7 November 2025. The topic for this week is: Is it time to take a closer look at your asset allocation risk? How much risk are you actually taking on? In this episode Luke explores how your super is invested. Like most people, you probably haven’t look at it in a while. Luke is joined by Leon of 2CC to take a deep dive into this topic as well as offer some practical tips and actions you might consider taking to better manage asset allocation risk.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Markets go up and they go down.
But how well do you know what risk you’re carrying inside your super?
A balanced investment option might not actually be balanced in terms of defensive and growth assets, that is 50:50.
Has your investment portfolio been set and forget?
Is it time to explore what you’re invested in?
When markets pull back, what will you lose if you’ve been complacent.
Look at the pie chart where your money is invested from your super provider
Growth assets include international shares, Australian shares, property, infrastructure
Defensive assets include cash, fixed interest, international fixed interest and the like
If we do see a pull back, International and Australian shares could see declines given how well they’ve been performing
When reviewing assets remember to think about diversification – volume is not diversification
Remember you can also change what future contributions are made to, so you could start bolstering defensive assets if you felt that was appropriate for your risk management.
Luke shares his top tips when thinking about your asset allocation and reminds us that asset allocation management is an ongoing concern.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-07112025-1.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help managing your asset allocation in super, investments and retirement?Do you have the right asset allocation in your super and investments and are you happy with the risk you’re carrying? If you need help with your super and retirement planning, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 31 October 2025. The topic for this week is: Share market record highs – What does it mean for investors? In this episode Luke explores the performance of the share market and proposes the question is now the time to take profit from your portfolio and put some money into cash? Luke is joined by Leon of 2CC to take a deep dive into this topic as well as strategies on how to manage the capital gains tax on your profits.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Share markets have been performing well, much better than average returns.
When share markets are high, it’s hard to find value when buying shares.
Is now the time to take some profits?
What are the dangers of set and forget investing?
Unexpected events can cause large swings in value when stocks have been trading high.
How much of your assets are tied up in one investment?
If you do sell down some funds, where will you put the available cash next?
Can you de-risk your portfolio?
If there’s a correction, can you buy back what you’ve sold when it’s cheaper?
How do you make the most of the money you take from profit?
What strategies should I consider when taking profit?
What about capital gains tax? How can I reduce the tax?
How much money should I keep in cash?
What about covid like events? Can your investment portfolio better weather market events.
Luke shares his top tips when taking profit and managing your investments when markets are performing well.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-31102025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help managing your investment and retirement savings?When markets are booming is now the time to take some profit and reduce some risk? If you need help managing your retirement and investments, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 24 October 2025. The topic for this week is: Misconceptions about financial matters in 2025. Wrong information can be dangerous, expensive and limiting to you reaching your financial goals. Luke is joined by Leon of 2CC to take a deep dive into the assumptions and errors he’s heard from his own clients in 2025. Lots of areas of financial planning are explored. This podcast sorts the facts from the fiction.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key misconceptions covered include:

I can’t add to my super if I have retired
I’ve reached my transfer balance cap, so I can’t put more money into super
I can’t claim a tax deduction if I’m not working for my super contribution
If I have a capital gain tax issue on an investment I’ve sold, I can’t claim a tax deduction for a super contribution
I can only make a contribution to the PSS if I’m a member of that fund
I can’t claim a tax deduction for a super contribution if I am a member of the PSS – there is a strategy around this!
I want to leave my super to kids and they won’t pay tax on it when I pass
An industry super fund will allow you to control franking credits and income
A self-managed super fund is expensive
I need at least $10,000 to start investing
Estate planning myths
And a whole lot more!
Luke shares his top tips when managing your finances. Seek advice and apply the rules that apply best to your situation.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-24102025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help exploring your financial planning opportunities?The old saying that knowledge is power still holds true. Misconceptions can cost you a lot, and not just financially. Make an appointment to meet with Luke to explore your financial planning opportunities and make decisions with the right advice to help you get more certain outcomes.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 17 October 2025. The topic for this week is: How much life cover do I need in my super? It’s a topic many people don’t think about but something you should come back to every year or two. It’s vitally important, and if something untoward was to happen to you. Most people would want their loved ones to be adequately provided for and understand the tax outcomes. Luke is joined by Leon of 2CC to take a deep dive into the issues you should think about when reviewing your life cover.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Does you super fund offer life insurance and do you have it?
Life insurance cover can be held inside of super and also in your own name.
The outcome however is not the same and if you think it is, it’s a wrong assumption!
A good place to start is to think about why you want life cover. What peace of mind and financial benefits should it provide?
Should you have it inside super or outside of super?
What are the benefits of holding life insurance inside super?
Can you hold life insurance in a policy and get your super fund to pay for it?
Are there risks of taking a policy out from the TV?
You need to think about where and to whom the money will be paid. There are very BIG tax issues to consider that most people do not!
Is there a way to structure life cover so your beneficiaries don’t pay tax for non-dependent children?
You need to think about life cover as a living issue, children grow up. When they turn 18 they will be considered non-dependent children and be liable for tax if the policy is held inside super.
Review your cover annually to take into consideration your changing needs and situation.
Do you have the right estate planning document in place, for example, a Testamentary Trust in a Will.
Do you have binding or non-binding death nomination in your super? Has it lapsed?
Good estate planning advice can get you better outcomes than you can achieve by yourself.
Can you have life cover inside your super and outside of your super? Or can you only have one option?
Luke shares his top tips when considering life insurance cover. Seek advice and apply the rules that apply best to your situation.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-17102025F.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help planning your life cover properly?Reviewing life cover gives families peace of mind that they will have the financial outcomes they need. If you’ve got doubts or questions, make an appointment to meet with Luke as part of your bigger financial planning goals.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 10 October 2025. The topic for this week is: How do I start a pension from my super fund? Don’t be confused by the word pension, this has nothing to do with the Centrelink aged pension, it’s about turning your superannuation into a retirement income stream. Luke is joined by Leon of 2CC.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What do you need to do to access your super? You need to meet a condition of release.
At retirement, you don’t need to cash out your super at retirement
You simply switch hats, from an accumulation hat (money going in) to a pension hat (money coming out)
Did you know once you start a pension from your super, the tax on your money fall from 15% to 0%.
That’s right, earnings on the pension from you super are tax free in retirement.
Equally, you can sell investments in the pension phase and there is on capital gains tax either.
You can start a pension from you super by talking to your super provider to see if they offer a pension from super product – an account-based pension
Yes, there’s paperwork to start a pension from super so you will need to complete some forms
How often would you like your pension paid to you?
Is there a minimum amount of pension income you need to take each year?
If you haven’t fully retired, you can still take some money from your super, it’s called a transition to retirement
Can you use a transition to retirement strategy to pay off the mortgage with tax free money?
What are the benefits of bolstering your super before you retire?
What if you want to take all the money out of your super or pension, can you?
Are transition to retirement pensions tax free too, if you’re not fully retired?
Luke shares his top tips when considering turning your super into a transition to retirement pension or account-based pension.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-10102025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help starting a pension from your super?Retirement planning can be complex. Most people don’t deal with super and retirement like a financial planner does or understand the strategies available. Use the expertise of a financial planner if you need to. Make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 26 September 2025. The topic for this week is: How much do I need in super to retire? If you’re in your 20’s and 30’s, retirement might seem like a long time off. If you’re in your 40’s, 50’s or 60’s plus, then it’s something you should start thinking about. With more time on your side, you have more superannuation and financial planning strategies available to you. Luke is joined by Leon of 2CC.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Luke begins the podcast by asking listeners to ask the right questions – “How much do I need in super to retire?” isn’t a great question.
Ask “What do I need to generate retirement income?” rather than “How much do I need in super to retire?”
Think more wholistically about the ways you can generate your retirement income.
Superannuation is just one resource. What other resources do you have? Eg, Investment property, business interests?
Is it also time to re-think part-time employment as part of your retirement to earn an extra $25k? It’s often easier solution than saving $500k more into your super.
Everyone wants their super to keep going up with high positive returns, but it’s important to remember there will be periods where this doesn’t happen, given the kinds of assets your superannuation is invested in.
Also think about role of investment properties in retirement, and in particular, how much income it generates.
The best question you can give your financial planner is “This is how much I need to live on in retirement”.
This question allows someone like Luke to work backwards and think about the strategies they can use to help you achieve your desired result.
People seek advice for peace of mind and clarity; they also realise that somethings might need to change between now and retirement to achieve their goals.
When it comes to generating income there are two questions you should ask of your investments – Why have I got it? What’s it doing for me?
There are really important questions for those who have investment properties, you’ve probably made a great capital gain, but how’s the income looking?
Luke shares his top tips to consider when thinking retirement planning.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-03102025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with retirement strategies to achieve your retirement income needs? Thinking about retirement planning? The better question is “What income will I need in retirement?”. Make an appointment to meet with Luke to talk about strategies to help achieve your retirement income needs.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 26 September 2025. The topic for this week is: Is salary sacrifice the only way to get money into your super before you retire? No, it’s not, in fact salary sacrifice may seem ‘old school’, even though you can still do it. If you’re looking to boost your super savings this is a must listen to episode as you might be missing out on retirement planning opportunities. Luke is joined by Leon of 2CC.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Some people who salary sacrifice worry their employer isn’t doing the right thing, and wish there was another way.
Good news there are other ways to get money into your superannuation!
Did you know you can use your own money from any source to make a contribution to super and get a tax deduction?
How much of a tax deduction can you claim?
Both salary sacrifice and personal deductible contributions to super will give you the same tax outcome.
Why might you choose to make a personal deductible contribution rather than salary sacrifice?
Did you that you can do both: salary sacrifice as well as personal deductible contributions to super?
When might salary sacrifice might be the better option for you?
How do you make a personal deductible contribution to super?
How do you claim a tax deduction for a personal deductible contribution to super: “Notice of intent”
Lodge the Notice of intent with your super fund, keep copies of correspondence for your accountant.
Do you need to lodge a notice of intent for what salary sacrifice that you do through your work? In short, no you don’t.
Luke shares his top tips to consider when making contributions to your super.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-26092025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with strategies to boost your super and retirement savings? Selecting the right contribution method at the right amount and in the right fund takes some super planning! If you need super or retirement advice, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 19 September 2025. The topic for this week is: What is a testamentary trust and why might you need or want it in your Will? Luke is joined by Leon of 2CC explore how a testamentary trust can provide you with greater certainty and protection in your estate planning. Go raiders if you’re following the NRL!

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Alot of adults have out-of-date estate planning documents and no Will at all.
This podcast is a good reminder to revisit your estate planning and consider if a Testamentary Trust should form part of your Will.
Your Will directs what happens to all of your assets but does not include your superannuation or pension from superannuation.
What is a testamentary trust and what does it do?
What are the benefits of including a testamentary trust for your children?
Is the solicitor asking you the right questions when setting your Will?
Is your solicitor a specialist in family and estate planning law?
Luke provides an example of what happens to adult children when they inherit.
Binding nominations in your superannuation also need to be properly considered as part of your estate plan.
Should your binding nomination be payable to your estate rather than specific beneficiaries?
A testamentary trust cannot be added to your Will after the event, so if you don’t have it, your beneficiaries will miss out.
Luke shares his top tips to consider when considering estate planning, Wills, and Testamentary Trusts.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-19092025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need a Testamentary Trust as part of your Will?Have you explored the idea of adding a testamentary trust to your Will? It can provide you with greater peace of mind and offer great protection and tax benefits for your beneficiaries. Estate planning can be complex, so do it right. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 12 September 2025. The topic for this week is: Should I always max out my superannuation contributions regardless of my income level? Luke is joined by Leon of 2CC explore how much to contribute given your situation. Going to the max might not always be the best use of your resources, even though saving for retirement is great behaviour. And go the Raiders if you’re following the NRL!

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Maxing out your super contributions is great savings behaviour – HOWEVER it might not be your best strategy!
How much tax do I pay on super contributions if I claim a tax deduction for them? Answer: 15%
It’s important to understand what your income is, and how much income tax you pay?
A person with a lower taxable income it might not get the tax deduction they think they’re getting if they claim a tax deduction for their contribution.
It can be better from a tax perspective to just make a personal contribution to your super and not claim the tax deduction.
Luke shares examples at $50,000 income and $100,000 income, and these have different strategy outcomes.
Understanding your taxable income is key to help you understand the tax you pay.
A non-concessional contribution is a super contribution where you don’t claim a tax deduction.
A concessional contribution is a super contribution where you do claim a tax deduction.
If you have sold an asset and have a capital gain tax liability, a concessional contribution (tax deductible super contribution) may be beneficial to help you manage that tax liability.
Luke shares his top tips to consider before making tax deductible contributions to your super.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-12092025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you making the most of your contributions to super given your taxable income?Are you making the making the most of your superannuation contributions? It’s a complex area to navigate. Make an appointment to meet with Luke if you need help with your super, investment or retirement planning.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 5 September 2025. The topic for this week is: Should I buy and investment property like everyone else? It’s true that around 20% of Australian households have chosen to invest in a property outside of their own home. But is property investment as fruitful as it once was and what are the pros and cons to consider? Luke is joined by Leon of 2CC to deep dive into property investing. This is a must listen to podcast if you’re considering property investment.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Should I buy an investment property? It’s a common question Luke is asked as they look to grow their wealth.
Many are biased towards property because they can touch and feel it, thinking it’s a risk-free investment – it’s not!
An investment property might not be your best investment to fund your retirement.
How much do you need to live on in retirement? What income do you require?
What are the pros of investing in a property?
Is negative gearing really worthwhile?
What the cons of investing in property?
Is depreciation really worthwhile when compared to tax liabilities down the track?
Why is it important to have a cash buffer if you buy an investment property?
Investment properties are also considered an asset for Centrelink purposes at retirement.
Luke shares his top tips to consider before buying an investment property.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-05092025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you considering your next investment? Would you like some advice before you make a big decision?Is buying an investment property the right next financial step? Without thinking about your goal and doing the numbers properly, it may not be the best step forward. If you need help with your own medium and long-term planning, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 29 August 2025. The topic for this week is: A MINI won’t pull your horse float! This topic is a metaphor about investing for your retirement goals and having the right superannuation fund to do that. Luke is joined by Leon of 2CC. They start this week’s show by talking about how cold it is in Canberra. It’s very fresh at this time of year.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

A MINI won’t pull a horse float – what does this metaphor mean in the context of financial planning?
We buy cars for certain reasons, we also need the right super fund for certain reasons.
It’s about features and options, like cars, the same can be said for super funds.
It’s not about disliking one type of super fund (for example an industry fund, personal fund or SMSF), it’s about choosing the right fund for your needs.
What are the differences between super funds?
What are the steps to selecting the right super fund? Use this format: Strategy, Structure and then Investment purchases.
Does balance impact the choice of super fund you have?
Luke shares his top tips around selecting and using superannuation funds to best effect.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-29082025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you have the right super fund working for your retirement?Your retirement plans should about your needs and goals. Not all super funds might be right for you. If you need advice to help to select the right super vehicle, make a financial planning appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to a mortgage broker should you wish to re-structure your loan or compare the market. Your current bank will never compare the market for you!

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 22 August 2025. The topic for this week is: Can I make a tax-deductible contribution to my super if I am a member of the PSS? Luke is joined by Leon of 2CC to talk about this important topic for PSS members, which is costing many members lots of money and financial planning outcomes for their retirement.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the PSS – or Public Sector Superannuation Scheme?
Are there any other government super schemes?
How generous is the PSS? Should I contribute to it?
The BIG myth: “I’m in the PSS and I contribute, that’s all I can do”.
Don’t forget about concessional contributions limit amount of $30k. Page 5 of your PSS statement will show much you’ve already used.
You can contribute to another super fund, up to your concessional contribution limit, and you can claim a tax deduction for that amount each year! You need to make this contribution to another super fund (not the PSS, as the PSS doesn’t accept these types of contributions).
How do I make a concessional contribution to another super account so I can get my tax deduction?
Don’t forget to lodge your notice of intent to claim a tax deduction with this super fund.
The PSS won’t tell you about this, because they don’t talk about other super funds.
Are there any other opportunities around setting up a second fund I should know about it if I am a PSS member?
Luke shares his top tips around contributions and the PSS.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/08/The-Strategy-Stacker-Luke-Taks-Money-22082025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you really making the most of your super if you’re a PSS member or do you need retirement planning advice?In our experience, most PSS members aren’t making the most of their super opportunities and as a result, are not planning for retirement as well as they could be. Make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to a mortgage broker should you wish to re-structure your loan or compare the market. Your current bank will never compare the market for you!

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 15 August 2025. The topic for this week is: Should my investment loan repayments be principal and interest? Or is interest only the way to go? Luke is joined by Rod Henshaw, covering for Leon of 2CC to talk about how to best manage investment loans.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the difference between principal and interest and interest only investment loan repayments?
A principal and interest repayment will be higher than an interest only repayment, even when the interest only loan rate is higher.
It pays to do the numbers in your own situation.
Understand how your cash flow can be impacted under both repayment approaches.
Is there another option to paying off an investment loan?
How might an offset account help with interest only loan repayments?
How do offset accounts work in paying off the investment loan?
What are the other benefits of using an offset account this way?
Is it easy to change from interest and principal repayments to interest only repayments and add an offset account?
Even though interest rates are falling, don’t think that a lower interest rate is always better – especially if you’re trying to manage cashflow and have the benefits of using an offset account, that is, access to your money.
Luke positively challenges listeners to structure their investment loans correctly and make the most of their financial resources.
The right solution depends on your personal goals and situation. Seek advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/08/The-Strategy-Stacker-Luke-Talks-Money-15082025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Is your investment loan structured correctly to help you make the most of your money?A correctly structured investment loan can help you make more of your cashflow and you can still pay off the loan by using an offset account with interest only repayments. Seek advice if you need help to find the right approach for you. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to a mortgage broker should you wish to re-structure your loan or compare the market. Your current bank will never compare the market for you!

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 8 August 2025. The topic for this week is: How to get the most out of financial planning? A financial planner and their team can only do so much, it’s a process you need to participate in too. Your participation will also affect the results that you get – so make sure you do your part! Luke is joined by Leon Delaney of 2CC to talk about the financial planning process.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

A financial planner can’t save you from yourself, unless you also put in some effort. The same advice applies to any professional that you work with, to ensure you have a good journey.
While no body likes paperwork, it’s important to review any paperwork you are sent and get it back on time.
If you’re given instructions on how to proceed, read them and follow them.
If you need to sign paperwork, sign where indicated – and with a pen if requested to do so – some super funds and investment houses don’t accept digital signatures – and this is not something your financial planner has control over.
Make sure you’re confirm your appointments if you’re asked to by text or email.
Instalment Tax and Capital Gains Tax is set and managed by the Australian Tax Office, not the financial planner, so be kind to staff if they need to talk to you about this topic and you’re not happy paying it.
Luke explores other aspects of the advice process where clients can help.
Luke positively challenges listeners to do their bit when meeting and interacting with their financial planner.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/08/The-Strategy-Stacker-Luke-Talks-Money-12082025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you ready to talk to a financial planner about your investment, super or retirement?Playing your part in the financial planning process will help you get the outcomes you’re seeking and you will have a more enjoyable journey. If you need confidential advice and smart money strategies, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 1 August 2025. The topic for this week is: How much tax do I pay if I go back to work after I retire? There’s lots of misinformation about retirement. Luke is joined by Leon Delaney of 2CC to explore how to create and fund a retirement lifestyle that suits your needs.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Will I pay more tax if I return to work after I retire with an account-based pension?
What about if I returned to work and have a defined benefit super scheme?
Why might I go back to work after I retire, even on a part-time or contract basis?
Can I get a tax deduction should I make a contribution to my super if I return to work?
Don’t forget that if you return to work, you’ll need a new super account for your employer contributions, as you can’t put new money into an account in pension phase. Yes, you can have a super fund and a pension fund at the same time!
Don’t forget about the rules around super contributions, they still apply to you even if you’re only working part-time or on a contract basis.
Working part-time or contracting can also increase the longevity of your pension over time too.
Luke positively challenges listeners to re-define how they look at their own retirement and live the life that best suits their needs.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/08/The-Strategy-Stacker-Luke-Talks-Money-01082025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to explore your own retirement options? Is it time to redefine how you look at retirement? Maybe a part-time job or short-term contract can provide you with the extra income you need! Make an appointment to meet with Luke about a retirement plan.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 25 July 2025. The topic for this week is: What ways are available to get more money into super for a tax-free retirement? Most Australians now realise that saving into super provides tax free income in retirement. It comes about as a result of the special kind of structure superannuation is. Savings outside of super will incur tax just like they do while you’re working. Luke is of course joined by Leon Delaney of 2CC.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Employers are required to put money into super for employes. Click here for details on how much you should get.
There are ways you can bolster your super too, other than via your employer.
How much can you put it and get a tax deduction?
The government has a limit on how much of a tax deduction you can get, it’s called the concessional contribution cap.
What are the ways you can put money into super and get a tax deduction starting now? There are a couple of ways to do this!
Don’t forget about the catch-up legislation, which is one way you can increase your current tax deduction for this year. Rules apply.
Many people don’t realise that they can also put money into super without getting a tax deduction too. There’s also a limit on how much you can put in one year of $120,000.
There is however another way to get more in, using the bring forward rules. This means you can put in up to $360,000 in one go, however, please check the rules to make sure you’re eligible.
You can also use the downsizer legislation, if you’re looking to downsize your primary residence. You can use money from the sale under the downsizer contribution to super rules. This way is in addition to all of the above ways too.
Why would you save more into super? Tax free income and earnings in retirement! This includes capital gains tax.
If you’re an employer, the capital gains tax small business concessions are worth considering too, which can help you bolster your superannuation before retirement.
How do you start a tax-free pension from super?
Luke shares his top tips to consider when looking at getting more money into super

https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-25072025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to get your retirement planning sorted for a tax-free retirement?Superannuation is a very effective vehicle to save into an enjoy a tax-free retirement. It can however be complicated so make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 18 July 2025. The topic for this week is: How much risk should I carry in my super fund? There’s often a big gap in the risk you think you’re carrying and the actual risk you are carrying. In this episode, Luke reflects on a client conversation he had in the past week and offers some information and practical steps you can consider when assessing the risk around your own retirement savings. Luke is of course joined by Leon Delaney of 2CC.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Many people hear the word superannuation fund and think risk – that’s not right.
Instead think of super funds like vehicles, they all have different strengths and features – industry super funds, personal super funds, self-managed super funds.
What you do with the vehicle you have determines your level of risk.
Specifically, risk is determined by how your superannuation is invested determines risk – it’s called ‘your asset allocation’.
What is balanced? There’s no standard industry agreement or government regulation. A balanced label from one fund will have a different mix of growth and defensive assets to another!
How do I determine what my superannuation is invested in?
What are growth assets? What are defensive assets?
How else can you manage risk in your retirement savings?
What are the ways you can manage risk if you are approaching or already retired?
Luke takes a deep dive into asset class and investment diversification
Why being too defensive is also a risk.
Luke shares his top tips to consider when looking at risk in your super and retirement savings.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-18072025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to manage risk in your super/retirement and plan ahead?Super is complex and without consideration, you might be taking more investment risk than you need to. Most Australian’s don’t deal with superannuation and retirement issues every day, like Luke does as a financial planner. If you have questions or concerns, and need a plan to move forward, make a personal appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 11 July 2025. The topic for this week is: How much money do I need to retire? It’s a common question asked by those approaching retirement. In this episode, Luke provides some practical ideas and actions to help you think about your own retirement planning. Luke is joined by Leon Delaney, who is back from his break and back in his regular chair at 2CC.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

It’s a simple question but it can be complicated
It shouldn’t be about a number, as the number will be different for everyone, so what do you need?
It’s also not about having the same amount of money forever; you spend less as you age
A good place to start is thinking about your fixed costs and ancillary costs, and Luke explains what they include
What debt will you have in retirement?
What resources will you have in retirement to fund what you need? Working part-time could also provide add to your income.
How you generate your retirement income is a key consideration and there are different approaches
How much should you draw down from your assets as an income?
Travel and bucket list items are important too!
The age you can access your super (Age 60) is different to the age you can access the Centrelink Aged Pension (Age 67). Centrelink can provide a stable source of income in your retirement too.
In summary, Luke shares his top tips to help you get started on your own retirement planning journey.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-11072025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to start your own retirement planning? Where will your retirement plans take you and do you have enough? Most people want to retire with confidence, being able to do the things they want to do and having enough so they don’t run out. Make an appointment to meet with Luke if you need help with your retirement planning.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 4 July 2025. The topic for this week is: Start changing your habits in the new financial year to help you achieve your medium and long term goals. Change can be hard at any point, but the new financial year provides you with an opportunity to review where you are at, as it coincides with pulling together the information you need to complete your personal tax return. In this episode Luke provides some practical ideas and actions to help you get started. This week Luke is again joined by Richard Perno. Long time listeners will remember Richard from his earlier 2CC days. Leon is still on leave.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Where do you start?
Do you have clarity on where you money is going and what your actual expenses are?
Is there waste in your current spending? For example, do you really need 6 streaming services?
Is there stuff in the garage or around the house that could be sold? There’s value in second hand like never before!
Assess what fears are stopping you from making a start – challenge them and step forward anyway.
Can you use automation and technology to start saving and investing?
Why long term behaviours provide you with the benefits of compounding.
If you have no self control, consider using salary sacrificing to save for the longer term.
Start small with your new goals. Remember you’ve got to walk before you can run.
What happens if I have a partner who is raising kids?
Luke challenges listeners to get started, even if you start with something small.
In summary, Luke shares his top tips to help you get started.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-04072025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help setting goals and financial planning strategies to help you move forward with more confidence?In this episode Luke challenges listeners to step forward in the new financial year. You don’t have to start with a lot of money. Good financial habits over time helps achieve your goals. If you need help with financial planning strategies, make an appointment to meet with Luke. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 27 June 2025. The topic for this week is: How to start a pension from super? Over the past few weeks in the lead up to the end of financial year, Luke’s had some interesting client conversations and there appears to be a lot of misinformation about how you turn your super savings into a retirement income stream. This show seeks to shed light on those issues to help you sort out the facts from the fiction.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What makes you eligible to start a pension from your super?
Can you return to work after you retire and start a pension from your super?
If I have more than one job, did you know that you could leave one job and still be eligible to start a pension?
Do you cash out all of your investments to start a pension? No you don’t!
How much super do you use to start a pension and how much will you get paid from it?
How often can you receive a payment from your pension?
Did you know the earnings within your pension are tax free and the income comes out to you are tax free?
Did you know you pay no capital gains tax for asset sales inside a pension?
Think about what might need to live on in retirement, it helps you set a goal.
Is there a minimum you need to take from your pension as income over a year?
How does a Centrelink aged-pension fit with a pension from super?
In summary, Luke shares where to find more information.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-27062025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help building your super, retirement planning or starting a pension from super?There is a lot of misinformation about super and retirement. Remember you don’t need to go it alone. Make an appointment to meet with Luke if you need help to unlock your super and retirement goals.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 20 June 2025. The topic for this week is: Setting new habits and goals for the new financial year. Over the past several weeks Luke has been talking about end of financial year planning and the actions you may consider completing. While there is still a little bit of time to make super contributions, check with your fund about their end of year contribution closing date so you’re not disappointed. This week Luke looks at the new financial year with guest host Rod Henshaw. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Good behaviours – setting goals and habits – underpins success
Do you know what you live on? Start by knowing where your money is going
Once you know where it’s going, is there any waste?
What could you do with that money you find? Remember you don’t have to start with alot
Have you considered micro investing? Can you automate savings?
Can a micro investing app help?
Time is also your friend
If you’re closer to retirement, can you salary sacrifice into super to save, whist saving some tax?
Set short term goals and reward yourself when you achieve them
Think about the stuff around the house that you don’t use. Can you declutter and sell it?
Lean into your strengths
Luke shares his top tips to think about when setting goals and habits for the new financial year

https://www.envisionfinancial.com.au/wp-content/uploads/2025/06/The-Strategy-Stacker-Luke-Talks-Money-20062025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your super, retirement or personal financial planning issues?At the start of a new financial year, it’s a great time think about where you’re going over the next 12 months. Do you have retirement or investment plans? Make an appointment to meet with Luke about personal financial planning strategies that can help you reach your own goals.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 13 June 2025. The topic for this week is: Maximising your tax deductions before the end of the financial year. With the end of financial year just around the corner, now is the time to take action before June 30!

But before exploring this topic, Luke makes an appeal to anyone who works at Canberra Hospital to talk to reach out to him on a sensitive client matter. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

In previous episodes Luke’s spoken about deductible super contributions and starting a pension to fund those contributions
But there are other types of deductions you might also consider at this time
Can you pre-pay expenses which a tax deductible? Examples can include Interest on a margin loan, interest on an investment home loan, income protection premiums, self employed instant asset right off – up to 20k each year.
Good accountants should be proactive in coming to you with these kinds of strategies. If you’re accountant hasn’t contacted you, then go and ask them now!
There’s nothing wrong with getting yourself in the best position possible.
How much money can you place into super and get a tax deduction for?
Make the most of your catch up contributions and claim them too!
Check your catch-up space with your super fund
Not all super funds accept contributions right up until 30 June 2025, so check with your own fund as to their cut-off date.
Luke shares his top tips to think about as we approach the end of the financial year.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/06/The-Strategy-Stacker-Luke-Talks-Money-13062025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your super, retirement or personal financial planning issues?How relaxed will you be as we approach the end of financial year? If you need personal financial advice make an appoint to meet with Luke and don’t be afraid to chase your accountant with your questions around tax deductions and tax planning before June 30!Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 June 2025. The topic for this week is: The Super Splitting Strategy and the end of financial year. In this episode Luke takes a deep dive into the strategy exploring how super splitting works and the situations you might consider using the strategy to help you reach your goals. With the end of financial year fast approaching, now is the time to consider this strategy for this financial year and for the next one too.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the super splitting?
What is the maximum amount of super concessional contributions you can split with your partner each year?
What types of super contributions are concessional contributions (also called deductible contributions)?
Can you use the catch up concessional contribution rules to split even more super? Yes you can!
Why is it a useful strategy if you’ve married well?
Why is it useful to super split to the older partner? Both partners might be able to pay off debt and retire sooner!
Why is it a useful strategy to get your super balance down given the Total Super Balance rules?
When do you split super?
Does it stop my partner have the ability to make super contributions themselves if I super split?
What happens to my split super if I was to get divorced?
Can you use the transition to retirement rules with super splitting? Yes you can stack strategies!
What do you need to do to split your super with your partner?
Remember paperwork does take time to process so don’t leave it to the last minute as super funds get busy at the end of the financial year.
Luke shares his top tips to think about when splitting your superannuation.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/06/The-Strategy-Stacker-Luke-Talks-Money-06062025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with the super splitting strategy to help you reach your goals sooner?Super splitting can help you both reach your goals sooner, but like all things super and retirement related, it can be complicated and costly if you get it wrong. Make an appointment to meet with Luke if you need personal financial planning advice. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 30 May 2025. The topic for this week is: What are your transition to retirement options? What goals can the strategy help you achieve? With the end of year now just a weeks away, now is the time to get your planning sorted, like accessing your super while you’re still working if you’ve reached your preservation age (usually 60).

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is a transition to retirement pension?
How can you use it to fund a contribution to super this financial year (or next)?
How much of your super balance can you start a transition to retirement pension?
Do you pay tax withdrawing money from super? No!
Can you add it back into super and claim it as a tax deduction?
What else can you use the money for? Do you have a mortgage that needs paying off?
Transition to retirement provides opportunities while you’re still working – even if you’re working full time!
How often do you need to a payment from a transition to retirement account?
How do you use it to reduce your working hours and supplement your income?
Why is it important to keep a super account open, when you start a transition to retirement account?
Can you start a transition to retirement pension if you’re in a defined benefit fund like CSS?
How is your money invested in a transition to retirement account?
Remember it’s a busy time of year for super funds so don’t leave your end of financial planning to the last minute!
Luke shares his top tips to think about when approaching the transition to retirement strategy.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/06/The-Strategy-Stacker-Luke-Talks-Money-30052025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with end of financial year planning including your transition to retirement options?Transition to retirement isn’t just about reducing your hours of work. You may also be able to use it to pay off your mortgage or make a tax deductible contribution back into your super account. Make an appointment to meet with Luke if you need assistance.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 23 May 2025. The topic for this week is: How do you get a deduction for a super contribution and what is a ‘Notice of Intent”?. This topic follows on from last weeks show which explored the difference between a deductible contribution to super and a non deductible contribution to super. With the end of year just a month away, now is the time to get your super sorted and make a personal deductible contribution if you’re looking to claim a tax deduction for this financial year.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is a personal deduction to super
How much can you put into super, and get a tax deduction?
What is a notice of intent?
How do you complete a notice of intent?
Once you’ve completed the notice of intent, send it to the super fund where you’ve made your personal contribution
Should I keep the confirmation from your super fund? Yes, especially if the tax office asks for proof!
Can I claim a partial tax deduction for super contributions I’ve made?
If I make more than one contribution to super over the year, do I need multiple notice of intent forms?
What’s the benefit of saving super into a mortgage offset account and making a contribution to super before the EOFY?
Luke shares the steps you need to complete to make a contribution to super and claim a tax deduction.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/05/The-Strategy-Stacker-Luke-Talks-Money-23052025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with end of financial year planning – the details do matter!The end if financial year is just 4 weeks away. Now is the time to make personal contributions to super and if you’re looking to claim a tax deduction, don’t forget your notice of intent. Super and retirement planning can be complicated. Make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 19 May 2025. The topic for this week is: What is the difference between deductible and non deductible super contributions. Luke and Leon however start the show by talking about the principle of taxing unrealised capital gains which may be coming to superannuation in the not to distant future. Could it leak into other kinds of investments and what would the consequences be? Would you have to sell an investment to pay a tax bill? Luke believes this isn’t the right approach to tax and could have lots of unintended consequences if the principle was to be extended of taxing unrealised capital gains.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the difference between a deductible and non deductible contribution to super?
How much deductible contributions can be added to super each year?
How do I claim a deduction for my personal super contribution?
How much non deductible contributions can added to super each year? It’s also called a non concessional contribution.
Can I bring forward more non deductible contributions to add more now?
Can I make up deductible contributions if I haven’t reached my limit in past years?
What’s the benefit of a deductible contributions?
What’s the benefit of non deductible contributions?
If I don’t work, can I make super contributions?
Why is total super balance important?
Why does tax matter inside super when it comes it estate planning?
Luke shares his top issues to consider around making contributions to super.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/05/The-Strategy-Stacker-Luke-Talks-Money-19052025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with superannuation contribution strategies for your retirement or estate planning?Superannuation contributions are an important part of any retirement strategy, but how you make contributions will impact what you achieve and have estate planning outcomes that many people fail to consider. Make an appointment to speak to Luke about your retirement planning if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 9 May 2025. The topic for this week is: How much can you get into super this year, now that the limits have changed? With the end of financial year fast approaching, now is the time to start planning your super and tax outcomes. Luke and Leon however start the show by talking about the election results and the governments plan to tax unrealised capital gains in super if an account has more than $3 million dollars which will not be indexed over time. There is a genuine fear in the community the government may extend this legislation to other kinds of assets outside of super. They also talk about the governments plan to unfreeze deeming rates after the end of the financial year. National Seniors and others are calling on the government to extend freezing deeming rates.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is your Total Super Balance?
Why does your Total Super Balance matter when it comes to making super contributions?
Why might you want to re-set your tax components on superannuation?
How much can you put in as a non-concessional (or tax free) contribution?
Don’t get Total Super and Transfer Balance Cap mixed up, they are two different things.
Why might you want to make a non-concession (or tax free) contribution to your super?
What strategies can it help you achieve?
Luke shares his top issues to consider before making contributions to your superannuation.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/05/The-Strategy-Stacker-Luke-Talks-Money-09052025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about super contributions and end of financial year planning issues?While working Australians are eligible for super not everyone will make use of the strategies available to them. Making the most of your opportunities can help you retire sooner, save tax and live a more confident retirement life. Make an appointment to see Luke should you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 2 May 2025. The topic for this week is: Misconceptions around merging multiple super funds you may have. While merging funds may provide fee savings, there are a fact of lesser known reasons why you might have more than one fund – and some of these reasons are very important when it comes to looking more widely at your financial life. Leon Delaney returns to the studio this week after his well deserved easter break. Luke and Leon start the show about the Labor’s plan to tax unrealised capital gains in super if an account has more than $3 million dollars. This action is likely to impact intergenerational wealth transfer and perhaps even those who hold real estate inside their self-managed super fund.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Surely merging funds will save fees? Not aways
How are your fees charged?
Are there costs of moving? Selling assets down may cause capital gains tax.
Are you aware of your taxable components in super? Merging taxable and tax free funds can have negative estate planning issues.
Surely fewer funds will make it easier to manage? Perhaps, but not all investment funds have the same investment menu.
Don’t forget about insurance if it is attached to your super. If you rollover and lose your insurance, you might not get it back.
What other reasons might you keep more than one fund? Things like estate planning are also important!
Luke shares his top issues to consider when you’re considering merging your superannuation accounts.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/05/The-Strategy-Stacker-Luke-Talks-Money-02052025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

To merge or not to merge? Seek super and retirement planning advice if you need help to assess your options and benefitsAlthough you might save fees by merging super funds, there are important financial reasons why you might have more than one fund. These include retirement planning, taxation and estate planning. Make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 25 April 2025. The topic for this week is: Transition to retirement. In this episode our own Financial Planner Luke Smith takes look at the rules around how you can access your super to improve your cashflow before the end of the financial year. Rod Henshaw joins Luke this week as Leon is still on a well deserved Easter break.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

As 30 June approaches, people are looking for tax deductions
If you have you reached your preservation age, generally age 60, you can access your super under a transition to retirement pension
How much money can you take as a transition to retirement pension?
If you’re over 60, you can take the money tax free!
You don’t have to retire from work to access the transition to retirement pension
You could use the money to help pay off a mortgage
You could also use the money to lower your personal income tax through a personal deductible super contribution
Setting up a transition to retirement takes time, so prepare now for 30 June and get your paperwork sorted
You could also use the money for other financial planning strategies which Luke explores
Luke shares his top issues to consider when you’re considering using a transition to retirement strategy.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/04/The-Strategy-Stacker-Luke-Talks-Money-25042025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with a transition to retirement strategy?The transition to retirement strategy allows Australians to access their super before they fully retire from work. You might use the money to pay off a mortgage or make a tax deductible contribution to super to lower your income tax. Make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 18 April 2025. The topic for this week is: Misconceptions around super contributions and how to bolster your balance. In this episode our own Financial Planner Luke Smith takes look at the complex world of super contributions. All working Australians would agree super is an important retirement savings vehicle but the complexity of the system sometimes mean people don’t make the most of their opportunities across their working lives. Rod Henshaw joins Luke this week as Leon enjoys an early Easter break.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Luke has been hearing a lot of misconceptions around super contributions recently and many are missing out on opportunities to improve their retirement outcomes.
Did you know you can make a contribution to super, even if you’re not working?
Is there an age limit on making a contribution to superannuation?
How much money can you put into super?
Can you stop a pension from super once you’ve started it?
Can you start a second pension? Why would you run two funds – to avoid tax on your estate!
If you’re self employed and sell a business how can I get money into super?
What is the transfer balance cap?
Can I still make a downsizer contribution if I have reached my transfer balance cap?
Can I use a catch up contribution to super?
What are the things you should not assume when adding money into super?
Luke shares his top issues to consider when you’re considering making contributions to your super.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/04/The-Strategy-Stacker-Luke-Talks-Money-18042025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with superannuation strategy or retirement planning?Adding to super helps bolster your retirement savings, but the rules around super contributions aren’t always clear. Make an appointment to meet with Luke and get some financial advice before you make important decisions. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 11 April 2025. The topic for this week is: How to use your superannuation to fund your insurance needs. In this episode our own Financial Planner Luke Smith takes a deep dive into the issues you may consider when considering how to pay for the insurance you need, for your family and yourself.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

When people think about super, they think about retirement issues, not insurance
Insurance is however a part of the offering of most personal and industry superannuation funds
A good starting point, is seeing what insurance you currently have in your superannuation
Questions you should ask yourself when reviewing your insurance
Insurance policies can be owned outside of super or inside of super
What kinds of insurance cover do you have inside your super
Your insurance needs will change over time, so your current cover may not meet your needs
How long will income protection cover last for?
How much will income protection cover pay you?
If you pay for income protection outside of super, you get a tax deduction for it
What is the waiting period for your insurance – that is the time before the will pay you?
Life and TPD cover can also be inside your super – does the money come out tax free?
Did you know you can have multiple claims on an income protection policy over your life?
What are the important issues to consider around Total and Permanent Disability insurance?
Why is own occupation the better TPD policy definition
What is trauma cover? It can only be held outside of super however!
Luke shares his top issues to consider when you’re considering using superannuation to fund your insurance needs

https://www.envisionfinancial.com.au/wp-content/uploads/2025/04/The-Strategy-Stacker-Luke-Talks-Money-11042025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with reviewing your insurance inside or outside of super? How long has it been since you’ve properly reviewed your insurance needs? While none of us plan to get sick or injured, life can throw up challenges we don’t expect. If you need help with your insurance review make an appointment to see Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 4 April 2025. The topic for this week is: Investing outside of super. Most Australians know the benefits of superannuation investing for their retirement. In this episode our own Financial Planner Luke Smith takes a deep dive into the issues you may consider when considering investing outside of your super. To start the show though, Luke and Leon discuss the news that some industry funds have been subject to cyber attacks, where some pension members have had money taken from their account. If a super fund member has concerns, they should contact their industry super fund and share their concerns.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Have you completed paying off your mortgage? Have you sold an asset? What’s next?
The act of making mortgage repayments can be turned into a savings plan, which is a good financial behaviour
If you’re not close to 60, you might be hesitant about putting money into super because you can’t access it
What do you have that’s surplus to your needs?
What percentage of that can you commit to savings?
Consider which investment platform you might use?
Which entity will you use to invest?
What level of risk are you willing to take on? It will determine which growth and defensive assets you invest in, remember diversification benefits
You can link a bank account to your investment platform for ongoing savings which can be automated ongoing
What’s the benefit of dividend re-investing?
Also remember the benefits of ongoing savings and compounding over time!
You don’t need lots of money to start, you don’t need to become a trader to start investing.
Luke shares his top issues to consider when you’re considering investing outside of super.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/04/The-Strategy-Stacker-Luke-Talks-Money-0404202.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investing outside of super?If you’ve got some surplus cash and you’re not close to 60, you may not wish to put more money into super. So how do you start investing outside of super? Make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 28 March 2025. The topic for this week is: Superannuation and the Super Splitting Strategy. In this episode our own Financial Planner Luke Smith takes a deep dive into this strategy which can be a useful part of your retirement planning. As the name of the strategy suggests, super splitting is about splitting your super with your partner. Luke explores the benefits on offer. This strategy can improve your retirement outcomes when used correctly.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is super splitting or super sharing?
You can split concessional contributions – what are the types of concessional contributions people might have?
How much of your concessional contributions can you move to your partner?
Is there a time frame on splitting super? Yes there is, it’s a use it or lose it strategy!
What are benefits of it? How can you use it to your advantage?
What happens if you’ve been using this strategy and the relationship ends?
There might be benefits in splitting super with the partner with less money in their super, if the other is getting close to their transfer balance cap to lower their balance or close to $500k balance.
Can you split catch-up concessional contributions?
Luke shares his top issues to consider when you’re considering the super splitting strategy.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/03/The-Strategy-Stacker-Luke-Talks-Money-28032025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with the super splitting strategy and planning your retirement for better outcomes?You can use the money from super splitting to pay off your mortgage sooner, reduce the younger partners hours of work or even reduce an account balance if you’re approaching the super transfer balance cap. Make an appointment to speak with Luke if you need help with your retirement plans.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 21 March 2025. The topic for this week is: Public Sector Superannuation Scheme – PSS and your retirement options – Do I have to take a full pension from the PSS when I retire? In this episode our own Financial Planner Luke Smith takes a deep dive into retirement planning when you’re a member of the Public Sector Super Scheme. As the PSS is a defined benefit scheme, there are different rules to how it works when compared with other superannuation vehicles (e.g. personal super, industry super and SMSF).

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

The PSS is the Public Services Superannuation Scheme – a government defined benefit super scheme
Many members of this fund miss out on opportunities because they don’t understand how it works
You’re able to ask the PSS for an estimate
Misconception: I have to take a full pension from the PSS – this is not correct!
Misconception: I have to take half of my benefit as a pension from the PSS – this is not correct either!
Luke talks about the actual rules around retirement and the PSS
You can ask for specific figures related to how much you wish to take as a pension
It’s a big decision, once you make a decision, you can’t change it
In the PSS you can access your benefits from aged 55 if you cease employment
Can I change my mind and go back to work after I have retired with the PSS?
As a member of the PSS you can still make a contribution to super, to another super fund
Why contributing to the PSS is very worthwhile
Luke shares his top issues to consider when you’re a member of the PSS.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/03/The-Strategy-Stacker-Luke-Talks-Money-21032025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help retiring and the Public Sector Superannuation Scheme (PSS)?Defined benefit schemes like the PSS can be complicated, especially when it comes to working out what your ideal retirement looks like and how to convert your super to a pension. Make an appointment to speak with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 14 March 2025. The topic for this week is: How can I make the most of the Trump effect? We’ve seen a lot of talk recently about market volatility and much of it is the result of a new US President who is talking about tarrifs and trade relations which make investment markets nervous. In this episode our own Financial Planner Luke Smith explores the issues you should consider during market volatility and how to make the most of the Trump effect.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Reflect on where we’ve been recently…. a strong recovery and better than usual returns since covid
Markets like consistency – not surprises and companies who haven’t met expectations will get de-valued
Share prices and share earnings are not the same thing – markets are driven by sentiment
The market pull back provides an opportunity to buy into the market at a more reasonable price
A 2-3% yield in shares carries risk, so why not put that money and get it with bank interest and no risk, given current interest rates?
Think about why you are buying it and what is it doing for you?
Trump however is having an effect on world markets, including Australia
Why would you sell now and buy back now?
Why it’s important to look at your risk profile – a balanced investment option might not actually be balanced!
Don’t forget about diversification, it can help mitigate volatility
Stay rational – don’t panic – be patient
Consider keep some money in cash as it provides certainty of income in the next 1-2 years if you’re retired
Luke shares his top issues to consider navigating the Trump effect and marketing volatility

https://www.envisionfinancial.com.au/wp-content/uploads/2025/03/The-Strategy-Stacker-Luke-Talks-Money-14032025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help navigating the Trump effect and managing volatility?How are you navigating the Trump effect with your investments? Market volatility comes in many forms, including changing government perspectives. If you need professional financial and investment advice, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 7 March 2025. The topic for this week is: What happens to my super when I retire and how do I draw income to live? Across our working lives we accumulate super from employer contributions and from our own contributions. But what happens at retirement? How do your turn super into income? In this episode our own Financial Planner Luke Smith explores your options and some are better than others!

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Have you met a condition of release? This is a rule around when you can access your super.
What are the two ways money can access money from super at retirement?
Pension payments can very across different time frames.
How much will you need to live on in retirement?
Asset allocation and risk also need to be considered – consider the resources you have to generate the income you need
Would you consider part-time work as part of your resources in retirement?
Can really you work in retirement? How does that work?
Remember, pensions from super offer tax-free income in retirement and are worth considering.
Luke shares his top issues to consider around turning super into a retirement income.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/03/The-Strategy-Stacker-Luke-Talks-Money-07032025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you considering your own retirement plans in 2025?Of course, everyone will make a plan to retire and one of the key considerations to explore is how you will generate the retirement income that you need. It can be complicated, especially if you need to consider Centrelink issues too. Make an appointment if you need assistance and get the personal advice you need to retire with confidence. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 28 February 2025. The topic for this week is: The Gearing Strategy. You might have heard about it through residential property investment but did you know that there are 3 key ways gearing can work when investing? In this episode Luke explores these 3 ways and some of the important issues you might consider when using the gearing strategy to help you grow your investments. Of course gearing doesn’t come without risk, so as always, seek advice if you need help.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is gearing?
What are the three key ways you can go about gearing and how do they work?
Gear an investment against a home or investment property
Gear against a margin loan (also called margin lending)
Gear using an investment asset that is internally geared (that is, it’s managed within the investment such as an Exchange Traded Fund or a Managed Fund)
What is a margin call and what do you have to do when it happens?
What is your asset allocation and why should you consider it when gearing?
What time frame is appropriate for using a gearing strategy?
What is your income profile and why does it matter?
What is your true attitude towards risk?
What is your loan to value ratio when using the gearing strategy?
Luke shares his top issues to consider before you use a gearing strategy for your investment portfolio.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/03/The-Strategy-Stacker-Luke-Talks-Money-28022025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you considering using the gearing strategy to help you grow your investment portfolio?There are 3 primary ways your can use gearing within your own investment portfolio. It’s important to remember though, the gearing strategy is not without risk. This means there are some important issues you should consider before using this investment strategy. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 21 February 2025. The topic for this week is: Misconceptions in 2025 – Common mistakes people make when managing their money. There is a lot of information around financial matters – but not all of it is correct. If you hear about a financial opportunity or tip, it’s essential to check it out properly from a reliable source before you take action. Luke explores some key misconceptions he’s been hearing this year to help you separate the facts from the fiction.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

If you hear a financial tip, check it out from a reliable source before you take action.
You can’t add money to super once you’ve retired – that’s not correct, there are ways to get money in.
Can you stop a pension once it is started to add an inheritance or additional monies? Yes you can!
Catch-up contributions – misconceptions around the date you apply to be eligible to use this opportunity
I’m in the PSS – I can’t make additional contributions to super – that’s not correct!
Kids won’t pay take on your super if you pass away – that may not be correct, depending on their age
Industry funds will allow you manage franking credits – that’s not correct!
Self managed super funds are the most expensive – that’s not correct if your balance is higher
I need to have ten to twenty thousand dollars to start investing – that’s not correct – you can start small
My Will takes care of all my assets – that’s not correct for your superannuation, consider a binding nomination form
A balance fund is not always balanced – check out your asset allocation, investment labels can’t always be trusted
Your entire super fund is used to work out your asset test value for Centrelink – that’s not always correct if you have a younger partner!

https://www.envisionfinancial.com.au/wp-content/uploads/2025/02/The-Strategy-Stacker-Luke-Talks-Money-21022025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need some financial planning advice to help you move forward with confidence?You’ll often hear financial planning tips from friends, family and sometimes even a taxi driver! Check out the information from a reliable source or seek advice before you make important financial decisions. Mistakes can be costly.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 14 February 2025. The topic for this week is: How do use and select shares and Exchange Traded Funds (ETFs) in an investment portfolio? There is quite a bit to consider when you think about it deeply and it may pay dividends to seek advice and get professional assistance. Luke explores some key issues you should consider when exploring shares and ETFs.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Shares and ETFs can play an important part of your investment portfolio
What should you consider when assessing different shares?
Don’t forget to consider franking credits – either full or partial tax credits
ETFs can also play an important part in your investment portfolio
What should you consider when assessing different ETFs
ETFs are very cost competitive – check the internal cost ratio of your super fund to see what you’re paying
How is a Managed Fund different from an Exchange Traded Fund?
Luke shares his key tips when considering shares and ETFs as part of your investments – including diversity!

https://www.envisionfinancial.com.au/wp-content/uploads/2025/02/The-Strategy-Stacker-Luke-Talks-Money-14022025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to select and manage your investments?Shares and Exchange Traded Funds play an important role in an investment portfolio. But not all shares and ETFs are the same. It’s important to do your home work before you buy them. If you need assistance, make an appointment to speak with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 7 February 2025. The topic for this week is: Do kids pay tax on a super inheritance? Many people don’t realise that your kids may pay tax on a super inheritance. And while we apparently don’t have any death taxes in Australia, this superannuation tax sure behaves like it, albeit called by another name. Is there anything you can do about it? Luke explores some strategies, including the re-contribution strategy.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What are the components of your super?
If you’re over 60 super is tax free for you, but it might not be not be for your kids when you pass.
What is a taxable component of super?
What is a non-taxable component of super ?
What is a dependent and a non-dependent child?
How do you find out what your components are?
What are the steps to solve this tax problem for non-dependent children?
What are the benefits to using a new fund to re-contribute the withdrawn funds from.
Luke shares his key tips when considering and managing this super and estate planning issue.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/02/The-Strategy-Stacker-Luke-Talks-Money-07022025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to manage your superannuation and retirement?While there is a way to manage tax for your kids on your super, through the re-contribution strategy, it can be complicated and take time to implement. Make an appointment to meet with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 31 January 2025. The topic for this week is: How to use an in specie transfer to increase your super without using cash. Many people don’t realise that assets other than cash can be put into a super fund. This includes property and shares you hold in your own name.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is an in specie transfer?
Does this cause a tax event like the sale of an asset would?
What types of assets can you transfer using an in specie transfer?
Remember your contribution limits, ensuring you’re eligible to make a contribution.
Can you claim a tax deduction for an in specie transfer into super?
Timing could also play a part, it might be better to wait to you retire before you make the transfer
How does capital gains tax work?
Luke shares his tips around in specie transfers into super.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/02/The-Strategy-Stacker-Luke-Talks-Money-31012025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Is an in specie transfer the right super strategy to help boost your retirement savings?In specie transfer allows you to move assets other than cash in to your super. Not all super funds offer this capability so check first! Remember to seek tax advice too as it may make or break the use of this strategy. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 24 January 2025. The topic for this week is: How to start a transition to retirement pension? At the start of the year many people return to work and start thinking about their retirement planning. A transition to retirement strategy might be right for you if you’ve reached your preservation age (between 55 and 60, depending on when you were born).

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is a transition to retirement pension?
Can I reduce my working hours and top up the rest from a pension from super?
How do you access your benefits on a partial basis?
How much can you take?
What other reasons might you use the transition to retirement strategy?
Can I take the money out tax free over if I’m over 60? Yes!
Can I use the money to pay down debt? Yes!
It’s a good time to consider the purpose of rental property if you have one too
Can you top up your account with salary sacrifice as you continue to work and get a tax deduction?
Can I still work full time and start a transition to retirement pension?
Do all funds offer transition to retirement?
Luke shares his tips around transition to retirement pensions.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/01/The-Strategy-Stacker-Luke-Talks-Money-24012025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to assess if a transition to retirement is right for you? A transition to retirement strategy can be used to help you achieve a number of different goals, including paying off debt and topping up your wage if you reduced your working hours. If you need help, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week – the final show of the year. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 17 January 2025. The topic for this week is: The Total Super Balance – How much can you have? There is a limit and it impacts what and how you can contribute in additional savings for your retirement. Luke explores this topic as many Australians look to boost their super before retirement.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the Total Super Balance?
If you’ve exceeded it, you generally can’t put more money into super tax free.
Don’t assume you can put contributions in tax free – check your balance!
You can however still make deductible contributions to your super, the $30k a year limit applies (this includes employer and salary sacrifice contributions)
The downsizer legislation provides one opportunity to add more to your super too, regardless of your Total Super Balance – that’s one way around it!
Remember, Total Super Balance applies at the previous 30 June, not the date you seek to make your contribution
How can you plan in regard to Total Super Balance?
The Total Super Balance is not the same as the Transfer Balance Cap – how are they different?
What strategies are around this that people may consider other than a downsizing contribution?
Defined Benefit Member balances also have a recorded value towards your Total Super Balance – it applies to you too!
Luke shares his tips around Total Super Balance and planning for retirement.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/01/The-Strategy-Stacker-Luke-Talks-Money-17012025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to navigate super and retirement planning?Superannuation can be complicated especially when you’re planning for retirement. There’s so much to consider around super rules, contribution limits and government benefits if you’re eligible. Make an appointment to get personal advice if you need assistance and plan your life after work with greater confidence. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 10 January 2025. This is the first show of 2025 and Luke returns to the studio with Leon. The topic for this week is: New year resolutions – Set yourself up for success in 2025. The show offers some tips and tricks for getting started on your financial goals.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Having a resolution or plan is important
Behaviour is also important – can you make a positive change so you don’t become discouraged
Set goals that are realistic – smalls steps are a good way to start
Don’t forget the benefits of compounding – time is your friend
Are you making the most of your super to save?
How much can you save every month?
Set short-term goals and when you achieve them celebrate or reward yourself, multiple short-term goals become long-term goals over time.
Make sure your family or partner is on board with your goals – get everyone rowing in the same direction!
Use goals to and actions to pass on goals to your kids
Luke shares his top tips to set yourself up for success in 2025.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/01/The-Strategy-Stacker-Luke-Talks-Money-10012025.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to plan and achieve your 2025 goals?What do you want to do in 2025 financially? Invest more, get your super working harder or perhaps start planning your retirement? The new year is a great time to start making some financial goals and setting a plan to achieve them. Make an appointment if you need financial planning advice to achieve your goals. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 20 December 2024. This is the last show of 2024. Luke joins Nicole Overall this week as Leon takes well-deserved Christmas leave. The topic for this week is planning for the new year.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What will happen in the US?
Keep Trump in perspective – noise versus substance/reality
Cost of living issues continue in Australia, but not all regions
Social media can have a negative impact on your own financial planning reality
Smart people plan for the rainy day and have good financial consistency
Prioritise spending cuts in 2025 – Do a little something a little sooner
Weakness in a financial market is an opportunity to buy
What impact with the Australian Federal Election have?
Why asset allocation remains important and re-balancing your position might be considered.
The benefits of compounding interest remain, from little things big things grow
Envision Financial closes for Christmas but will re-open 6 January 2025.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/01/The-Strategy-Stacker-Luke-Talks-Money-20122024.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to plan for your 2025 goals?The New Year is a great time to reflect on the past year and consider goals for the next. Seek financial planning advice if you need help to explore your options. Make an appoitment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 13 December 2024. Luke joins Leon Delaney in the studio to talk about super, retirement and in particular the Transfer Balance Cap. This is Leon’s final show for the year – Merry Christmas Leon! Luke will be joined by Nicole next Friday, just before Christmas. This week Luke provides a deep dive into the Transfer Balance Cap, which is the amount of money you can take from a pension tax free at retirement. It’s important to remember, if you exceed the cap, it’s not the end of the world and there might be some financial planning strategies which you still can consider.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the Transfer Balance Cap and how much is it?
Understanding how much you have in your super fund or funds is a good place to start.
Which cap applies to me? The one in the year I started my pension from super, or the current cap which is indexed yearly?
Am I entitled to increase my cap as the cap increases?
Can I start a pension and keep some money in super to avoid going over the cap?
Important: Your ability to contribute to super is not the Transfer Balance Cap!
How does the defined benefit pension work within Transfer Balance Cap?
Does the Transfer Balance Cap apply to a transition to retirement pension?
Can I still make tax deductible contributions to my super or a downsizer contribution?
Luke share’s his top tips for understanding and managing your Transfer Balance Cap.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/12/The-Strategy-Stacker-Luke-Talks-Money-13122024.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to navigate the cap and your own retirement?Everyone wants to enjoy tax free money from super in their retirement. Understanding the Transfer Balance Cap is essential in regard to your own situation. Seek financial planning advice with Luke if you need help to manage your super and retirement.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 December 2024. Luke joins Leon Delaney in the studio to talk about Christmas spending. It’s summer and as we approach Christmas, retailers are doing all they can to help you get into the spirit of spending and gifting. Luke offers a Christmas survival tool kit to help you through the festive season spending and avoid the credit card blues in January.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Ask people what they want – this will make sure the gifts you buy get used
Gift cards also avoid wasteful spending
Have a family agreement on what you will do – just buy for the kids
Don’t leave it to the last minute – panic doesn’t help make good purchase decisions
If you buy online understand the return policy before you make a purchase there and some places offer ‘gift receipts’
Tap and go can blow up a budget, consider shopping with cash and stick to your budget
Can you wait for the post Christmas sales for big ticket items?
Consider an ‘experience’ as a gift if you’re stuck for an idea
Luke share’s his top tips for maximising your Christmas spending.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/12/The-Strategy-Stacker-Luke-Talks-Money-06122024.mp3###### Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need personal financial planning advice?Without planning there can be financial waste at Christmas. Make your Christmas spending worthwhile. As always, make an appointment to speak with Luke if your need personal financial planning advice.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 29 November 2024. Luke joins Leon Delaney in the studio to talk about a superannuation strategy that makes a lot of dollars and sense. There are a lot of incorrect assumptions about superannuation and this episode takes a deep dive into one of them.

It’s correct to say that if you are over 60 you can withdraw money from super tax free. However, the assumption that when you pass, any money in your superannuation or pension account will pass tax-free to your adult children is not correct. Adult children are not considered dependents, and therefore do not enjoy tax-free status. This show explores a strategy that may assist.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Over 60, you can take money from super tax-free
Haven’t death taxes and duties been abolished?
Superannuation has a taxable component within your super
How is a taxable component created within your super?
How is a tax free component created within your super?
What happens when you pass away?
What is a non-dependant child?
How does the re-contribution strategy work?
What are the steps to implementing a re-contribution strategy?
Luke share’s his tips when considering the re-contribution strategy.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/11/The-Strategy-Stacker-Luke-Talks-Money-29112024.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need super, retirement or pension advice?The re-contribution strategy can benefit adult children who receive money from your super or pension when you pass. Seek financial planning advice with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 22 November 2024. Luke joins Leon Delaney in the studio to talk about taking profit from your super fund. Investors in the recent times have had great returns on their superannuation. With many enjoying double digit returns right now, Luke asks the question: Is now a good time to take profits from your superannuation fund?

It is of course important to remember that returns fluctuate and there’s lots of things out of your control that can impact your investments so is there action you should be taking right now?

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Is now a good time to take some profit from your super fund?
If you’re in pension phase of super, you can take your profit tax free
How would you feel if you didn’t take some profit and markets fell right now?
Why is now a good time to take a profit?
Can you mitigate capital gains on poor performing assets if you’re not in the retirement phase?
Has your risk allocation changed given rising markets? Asset allocation is important.
What do you with the profits you take?
Does the fixed interest outlook (falling interest rates) mean that now is a good time to lock in a fixed interest investment?
What about if you’re still in the super phase? What are your options?
Luke share’s his tips when considering taking a profit.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/11/The-Strategy-Stacker-Luke-Talks-Money-22112024-1.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need investment advice to help you move forward with confidence?Rising markets mean many investors and super fund holders have seen really positive returns. But is now the time to take some profit? If you need personal advice to help you make more confident decisions, make an appointment to speak with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 15 November 2024. Luke joins Leon Delaney in the studio to talk about Self Managed Super – how much does it really cost?

There’s lots of discussion about different superannuation vehicles, industry funds, personal funds and self managed super and which one is best? The best vehicle for you may not be the best vehicle for someone else, depending on your situation, goals and future needs. In this episode Luke takes a deep dive into Self Managed Superannuation including the costs. It might not be as expensive as you think.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Costs matter, even on your superannuation fund!
What is a self managed super fund?
Are my accounting fees fixed (auditing and tax return) and how much are they for an average SMSF? There are some overly high fees out there!
What are the key reasons to have a self managed super fund?
Which accountant should I use?
Aren’t industry super funds cheaper than all the other types of funds?
What about franking credits and my retirement?
Do you know why you have the super fund structure you have?
Are you on your own when you run a self managed super fund or can you get help?
Why does Luke like SMSF at retirement for certain clients?

https://www.envisionfinancial.com.au/wp-content/uploads/2024/11/The-Strategy-Stacker-Luke-Talks-Money-15112024.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you looking for help around your own super?Self Managed Super won’t be right for every investor, but for those that it is, it’s a great vehicle, and a cost effective vehicle, to help you reach your retirement goals. Make an appointment if you need help. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 8 November 2024. Luke joins Leon Delaney in the studio to talk about the outcomes of the US Election and what Donald Trump in the White House means for your investment portfolio? The return of President Trump undoubtedly surprised many Australians.

Given the significance of the Australia – US relationship, some US policies might affect us domestically. And with many Australian’s holding overseas investments as part of their personal, super and retirement savings, right now is a great time to check in on what may be heading our way.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What does a Trump election victory actually mean?
Why it’s important to seperate the media hype from what a US President can actually do
Should you sell your investments now? Did you know the stock market in the US also went up after the Biden election victory?
Things you might keep in mind going forward
Why asset allocation and diversification still matters
Investment markets have been good in the US even before the Trump victory.
What about the US Debt?
Are there certain areas of risk to be mindful of?
Does dollar cost averaging provide a strategy to buy?
Remember Trump is in for a 4 year period, your investment timeline is probably longer in super and retirement
Luke shares his top 3 tips for moving forward under Trump leading the US.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/11/The-Strategy-Stacker-Luke-Talks-Money-08112024.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you looking for help you navigate your own financial future?Most Australians with super, investment or retirement savings have some exposure to overseas investments in a well diversified portfolio. If you need investment advice, make an appointment to meet with us.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 1 November 2024. Luke joins Leon Delaney in the studio with Luke to talk about how to work effectively with a financial planner. Advising clients is an important role, and to get the most out the relationship you have with a financial planner, there’s things you can do to make your life easier and the life of your planner too.

It’s important to remember that all financial planners have to follow certain rules when providing and implementing financial advice. This includes writing a statement of advice and following processes set by the providers when it comes to buying and selling your investments. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Ensure that you sign the paperwork correctly. A good financial planner will highlight where you need to sign the paperwork to make it easy for you.
If a form requires a ‘Wet Signature’, this means you need to sign the form with a pen. Some investments and insurance companies require pen signatures, not electronic signatures. We agree this is old fashioned, but that’s how some institutions still work.
Don’t leave things to the last minute like selling investments if you need cash for a purchase like a car or caravan. It takes time to sell down investments or access money from super or a retirement pension. If in doubt about a timeline simply ask. A good financial planner will be happy to help you.
Don’t forget to date the important documents you sign.
If you’re meeting with your financial planner online, make sure your software is up-to-date and working correctly before the meeting starts. Financial planners are good with numbers, but not so great with helping you fix your IT issues.
Super funds and investment managers and banks are becoming very stringent with online access. Make sure you follow their instructions. My Gov and My Gov ID can be challenging too. Most offer help lines if you need technology assistance.
Return all the paperwork you need to action, missing pages means a financial planner can’t action your requests and your advice implementation gets delayed.
Luke shares his top 3 tips for working effectively with a financial planner.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/11/The-Strategy-Stacker-Luke-Talks-Money-01112024.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you looking for a financial planner to help you move forward?There’s somethings you can do to make working with a financial planner easy and effective. A good financial planner will navigate the way with the paperwork too, not just give you good financial planning strategy and advice. Help them help you when you can.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 25 October 2024. Luke joins Leon Delaney in the studio with Luke to talk about an important topic. What can I do outside of super to compliment my long term financial plans?

Superannuation is a great and tax effective vehicle for saving for retirement. But once you put the money into super, you can’t access it until you reach a condition of release, which is usualy retirement age. As a result, it’s good to keep something outside of super too – but what do you do with it? Luke shares a few examples. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Trading accounts provide the ability to start without having lots of money to start, and the ability to save into it
There are lots of different types of trading accounts available so find somewhere that works for you
Ensure you have diversity in your investments
Micro investing apps provide another pathway to investing with a broad range of direct investments and pre-mixed investment options
Formal structures or investment platforms run by investment managers also provide an avenue for people to make investments for the long term. These are well run platforms run by specialist investment managers. These also offer the ability to save money into for ongoing contributions.
Why exchange traded funds offer a good place to start for new investors.
Luke offers some tips for making the most of investments outside of your superannuation for the long term.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/10/The-Strategy-Stacker-Luke-Talks-Money-25102024.mp3

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investing for the medium and longer term? Investing outside of super? Where do you start? If you need help to get everything working together for your future, educate yourself or seek financial planning advice. You don’t have to go it alone when you have a financial planner by your side.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 18 October 2024. Luke this week Leon Delaney returns to the studio with Luke to talk about an important topic. Should you have an emergency fund and income protection insurance?

Planning for the unexpected is an important part of any financial plan. But how will you plan and manage those unexpected events and the pressures on money they may cause? Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What are the benefits of an emergency fund?
Why is income protection a valuable option?
Did you know income protection premiums are tax deductible?
Should I have income protection in my super fund or in my own name?
Can I use my offset account as my emergency fund?
Why are income protection policies prior to 2021 better – think carefully before you let them lapse.
Is sick leave enough to cover me if something goes wrong?
What form can an emergency fund take? Saved Money, Offset Account, Sick Leave?
If I can’t save for an emergency fund, income protection can provide you with immediate cover?

https://www.envisionfinancial.com.au/wp-content/uploads/2024/10/The-Strategy-Stacker-Luke-Talks-Money-18102024.mp3

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with financial planning and insurance? An emergency fund and income protection cover are both important parts of your financial plan. If you need assistance to manage your risk and protect yourself and your family, seek advice.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super, insurance and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 11 October 2024. Luke this week is joined by Nicole Overall who is sitting in the chair for Leon Delaney. Recently, Luke and Nicole talked about negative gearing. One of the issues they didn’t talk about was that there’s lots of people out there who aren’t wealthy but have an investment property and are trying to get ahead. They would be greatly affected by any changes made to the current rules.

This week’s discussion is wide ranging and includes negative gearing, changes to aged care costs, and contribution to super limits. Does the system work for retirees and those who need aged care? Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Luke and Nicole continue the conversation about negative gearing.
Luck versus making the decision to improve yourself and your position.
Changes to the aged care system and what it’s going to cost you.
Aged pension benefits versus being self-funded the retirees and aged care dilemma.
Should we be allowing people to contribute more to super and get a tax deduction, so they look after themselves?
Are our governments planning with a system that rewards people for looking after themselves?
Current super contribution limits reduce the opportunity for people to self-fund themselves.
We’d also benefit from a simplification of the system!

https://www.envisionfinancial.com.au/wp-content/uploads/2024/10/The-Strategy-Stacker-Luke-Talks-Money-11102024.mp3

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your future financial plans?Planning for retirement and aged care can be overwhelming. Seeking financial advice can help you navigate a pathway to help you achieve your own goals. Make an appointment if you need assistance to make the most of your strategies and options. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 4 October 2024. Leon’s back in the studio this week. Last week Luke and Nicole talked about the demise of negative gearing and the impact on people who have invested in property.

This week’s topic asks the question: How do you minimise tax on the sale of an asset, such as an investment property that you no longer wish to hold? Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Consider your own situation, as everyone’s situation is different.
Can you maximise your superannuation contributions in the year of sale? Timing is key.
Remember you have an annual limit and a catch-up limit too when it comes to tax deductible super contributions.
Hold your assets for at least 12 months before selling them.
Can you use carry forward losses from the past to offset current gains?
Can you create a new carry forward loss in the same year you’re selling an asset?
If you’re selling a portfolio of things, spread out the timing across years and after you retire to make the most of your opportunities!
Don’t forget the 6-year rule in regard to the primary residence.
Don’t forget about the cost base issues.
Understand the challenges and benefits before you make the sale transaction – seek financial planning advice and tax accounting advice.
Luke shares his top strategies for thinking about selling assets and seeking tax advice to minimise tax.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/10/The-Strategy-Stacker-Luke-Talks-Money-04102024.mp3

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with selling assets and investing or retiring?Making a capital gain means you’ve made money, which is great. But you should also think about the tax consequences of selling an asset. Luke says it’s best to seek advice before you sell so you understand the options available to you.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 27 September 2024. Leon’s out of the studio this week so Luke is joined by Nicole Overall to talk about negative gearing.

House prices and negative gearing have been making lots of headlines as the Federal Government talks about changing the rules. This week’s topic asks the question: Is negative gearing dead? And what does it mean for you and your investments? It’s a wide-ranging discussion covering property, negative gearing, capital gains tax, and more. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Luke’s view on landlords and a population that rents
Will the removal of negative gearing really fix the housing crisis, or will it add to it?
The reality: Negative gearing isn’t as beneficial as it once was
Investors deserve to get a return on their investment, even property investments
Are there too many disincentives to generating wealth?
Property will always be in demand in the creation of wealth – Are we too risk adverse?
Canberra has extra taxes which is causing people disincentive to invest in Canberra property and impacting rentals
What about the proposed CGT Tax change?
Even property investments have risk
What impact will grandfathering have on supply?
People should make decisions about their own investments and do what’s right for them.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/10/The-Strategy-Stacker-Luke-Talks-Money-27092024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investing for your future needs?Many people are attracted to investing in property as they see it as a real asset they can see and touch. Negative gearing though is not attractive as it used to be and if they change the rules, it might die completely. If you need help creating a diversified investment portfolio, seek personal financial advice. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 20 September 2024. The topic this week is how to salary sacrifice into super and make personal deductible contributions at the same time to lower your personal income tax. Australian’s love a tax deduction, but many people don’t understand the different ways to do it. This episode aims to provide some general financial information about how to contribute to your super for your retirement. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the different between a personal contribution to super and a salary sacrifice contribution?
Don’t forget to complete your ‘notice of intent to claim a tax deduction form’, send it to your super fund if you make a personal contribution
If you’re making a personal contribution, could you use money from an offset account?
Are there any differences between the two options?
Can you use both strategies at the same time?
The limits you can put into apply to both ways to make contributions
When might salary sacrifice be the right option for you?
When might you use personal contributions?
When might you use both contributions methods?
Why it’s important to consider your personal situation and circumstances and goals
Luke shares his top tips to help you start thinking about contributing to super and getting a tax deduction

https://www.envisionfinancial.com.au/wp-content/uploads/2024/09/The-Strategy-Stacker-Luke-Talks-Money-20092024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with superannuation or retirement planning?Have you unlocked your tax deduction by making a personal contribution to super. a salary sacrifice contribution to super or by doing both? Choose the path that’s right for you and seek advice if you need help to make the most of your retirement savings.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 13 September 2024. The topic this week is residential property the right investment. Australians love a residential property investment but is it really the right investment for your goals? This episode aims to provide some general financial information about this type of investment including the issues to consider before you make the decision to buy. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Why do Australians like property?
A tax deduction is NOT the right reason to buy and investment property
What type of property do you want to buy?
Does the property match up with your goals – income, holding costs, the structure you own it in
Negative gearing – is it still attractive as it used to be?
Property doesn’t have to be residential – it could also be commercial and industrial property (including holding your property in a SMSF)
Ownership structures also matter – pro’s and con’s the ways of owning different assets, make the right decision at the start
It’s very expensive to change ownership structures if you get it wrong
SMSF rules and property ownership – there are rules around use, borrowing and maintenance costs
Luke shares his top tips to help you start thinking about converting preference shares.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/09/The-Strategy-Stacker-Luke-Talks-Money-13092024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investment planning and management?Investing in property just to get a tax deduction, probably isn’t the right reason to invest. There’s more to consider to make sure you’re making the most of your savings. Seek financial advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 September 2024. The topic this week is Converting Preference Shares and your investment portfolio. While most of us have heard about shares, we might not have heard about Converting Preference Shares. This episode aims to provide some general financial information about this type of investment and how and when it might be used. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Whare are converting preference shares or hybrid shares?
Why are they useful for retirees?
How long do these shares last for?
How are the rates determined?
How liquid are these kind of shares?
How risky are converting preference shares to cash, term deposits or just normal shares?
Can you purchase these shares through an Exchange Traded Fund?
Does your super fund or pension fund have these on their investment menu?
Investors can also hold these outside of super and pension accounts too.
Why is it important you understand how they work given the complexity of how they work.
So are they more like a share or more like a fixed interest?
Luke shares his top tips to help you start thinking about converting preference shares.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/09/The-Strategy-Stacker-Luke-Talks-Money-06092024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with gifting as part of your retirement planning?Have you heard of converting preference shares or hybrid shares? Perhaps they could be suitable for your investment or retirement portfolio. Make an appointment to seek financial planning advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 30 August 2024. For many Australians a financial gift to adult children or grandchildren to help them on their own journey is something that many wish to do. It might be money they’ve saved or received from an inheritance. This episode aims to provide some general financial information about the implications of Gifting upon Centrelink. Like all financial matters, it makes sense to understand the financial implications of decisions before you enact them. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Be aware you are free to gift assets to who you like.
There are however implications around gifts if you receive or want to receive benefits from Centrelink.
What is the asset test and the income test? Gifting is part of the Centrelink assessment.
How much can you gift to be impacted? Is there a time frame too?
How does Centrelink treat the assets you have gifted?
Is gifting just cash? Or is it other assets too?
Does moving money between spouses trigger gifting rules? No, it doesn’t!
Do the rules apply per person or per couple?
Can I spend money on my house to reduce my assets for the Centrelink test? Yes you can!
Luke shares his top tips to help you start thinking about gifting and Centrelink.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/09/The-Strategy-Stacker-Luke-Talks-Money-30092024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with gifting as part of your retirement planning?Seeking advice around retirement planning can help you make better financial decisions and provide more certainty around your retirement income. Make an appointment if you need help. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 23 August 2024. Anyone who invests cares about the income and return they receive from their investment portfolio, but it becomes even more important when you’re about to retire from work. This episode aims to provide some general financial information about investment, super and retirement for pre-retirees or those thinking about retirement in the next 5-10 years. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

How much income do you need in retirement?
How do you work out the capital amount you need to generate the income you need?
Different assets have different purposes, some assets don’t provide great income streams.
All assets also carry some risk.
Think about why you are buying an asset – is it generate income or is it to generate growth?
What types of assets can you use to generate income in retirement?
Can franking credits help your retirement income?
Are you in a super fund that allows you to manage your retirement income?
It’s really important to understand where your return is coming from, so you’re living on the income, not eating up your capital.
Luke shares his top tips to help you start thinking about how to use the contribution rules given different life situations.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/08/The-Strategy-Stacker-Luke-Talks-Money-23082024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with investment or retirement planning?Planning a trip is like planning for your retirement. It pays to know where you’re going before you actually pack you bags and leave! Seek financial planning advice if you need help to plan your income. It will allow you to retire with more certainty and enjoy the days ahead.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 16 August 2024. Those who work enjoy the contribution their employer makes to super for them, but it surprises many to learn that there are limits on what you can put in. It’s quite strange really, as you think the government would be trying to encourage everyone to save more so they have to pay less in the form of Centrelink Pensions. This episode aims to provide some general financial information about super contribution types and limits. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

There are two types of super contributions, contributions with deductions and contributions without deductions.
Contributions with tax deductions, there’s a $30,000 limit you can put in (this limit includes the contributions your employer makes for you)
Contributions without tax deductions, there’s a $120,000 limit you can put in.
But you can put in up to 3 years worth of contributions without tax deductions, but know you’re locked out from contributing more for the financial year you do it and the two financial years after it. There are additional rules around it – so know the rules before you make a decision to contribute.
Is there an age limit to making super contributions and getting a tax deduction? Yes, it’s 67 years, but higher if you’ve worked 40 hours in a month.
Is there an age limit to making super contributions and not getting a tax deduction?
How does the downsizer legislation work and what is that limit?
Can I use the limit amounts I haven’t used in the past 5 years and get a tax deduction?
Luke shares his top tips to help you start thinking about how to use the contribution rules given different life situations.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/08/The-Strategy-Stacker-Luke-Talks-Money-16082024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you ready to make more of your super or start retirement planning?Are you making the most of your superannuation contribution limits? There’s some strategic reasons for claiming tax deductions, and there are also some reasons not to. Seek advice if you need help to make the most of your retirement savings. tax and Centrelink position. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 9 August 2024. This show this weeks show looks at seven deadly taxes. We’re not talking about income tax, capital gains tax or the GST, but the taxes of situations and behaviour that slow progress towards our goal. This episode aims to provide some general financial information about how to manage your money better. Leon s starts the topic by talking about ‘the loyalty tax’. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

The tax of lazy or the procrastination tax
The tax on time
The tax of poor financial education
The tax of emotional decision making and stress
The tax of vanity
The tax of peer pressure
The tax of fraud
Luke shares his top tips to help you start thinking about these takes to help you make smarter money decisions.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/08/The-Strategy-Stacker-Luke-Talks-Money-09082024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you ready to take control and move forward towards your goals?Have you thought about the factors that are slowing you down from reaching your goals? Seek financial planning advice if you need help. A financial planner can be a great educator, sounding board and accountability buddy to help you reach your goals more effectively.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 2 August 2024. This show this weeks show looks at superannuation. Every working Australian has a super fund helping them save for retirement, but how do you judge a good super fund from a bad super fund?. This episode aims to provide some general financial information about how you might think about it, when considering your superannuation. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Which one is the right one for you?
Super funds are like cars, you’ve got to find the best one for your own needs!
What questions should you ask yourself to help you find the right fund?
At retirement, your needs will change, so should your questions about what makes a ‘good fund’.
Does your fund offer a good selection of investment options and insurance options?
Consider the risk you’re willing to take on in the investment options?
Cost is also an interesting issue to consider cost from a value perspective, not just how cheap it is!
Luke shares his top tips to help you start thinking about how good your own supe.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/08/The-Strategy-Stacker-Luke-Talks-Money-02082024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is your super fund right for you now or in retirement?Many people get put into the default super fund their employer uses and never consider if it’s the right fund for their needs. Seeking financial advice can help you understand your options and move forward with greater certainty. Super is important, so make a plan to make yourself financially secure in retirement!Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 26 July 2024. This show this weeks show looks at interest only loans on investment property. This episode aims to provide some general financial information about how you might think about paying that loan back, given the cost of living challenges many households are facing right now. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Why is it good to get a mortgage broker involved when thinking about your loan provider?
What should you consider when considering the structure of a loan?
Can you switch banks to get a new interest only loan period?
What is an off-set account?
How does the interest only work?
How can interest only loans be cheaper, if even if the interest rate is lower with another bank – do your math!
If you are on an interest only loan, can I top up payments through an offset account and still have access to your money?
Luke shares his top tips around ways to think about loans and how to pay them back, especially when money is tight.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/07/The-Strategy-Stacker-Luke-Talks-Money-26072024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about spending and interest only loan repayments?The cost of living can make the family budget more challenging. If you need help to manage your investments seek advice. A financial planner and a mortgage broker can be a powerful team to get you heading in the right direction.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Luke is also experienced in helping PSS members make retirement plans. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 19 July 2024. This week’s show looks at the PSS. As many PSS members are approaching retirement, Luke is finding that there are some definite knowledge gaps when he speaks with members about their own retirement plans. This episode aims to provide some general financial information about the fund to help PSS members move forward more confidently. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is the PSS defined benefit scheme?
The retirement options for PSS members are: taking it as a lump sum, as a full pension or taking it as a part pension.
Unlike other superannuation funds, PSS allows members to retire at age 55 and take a pension option, or part pension and part lump sum.
If you take a part pension, and you’re under your commonwealth preservation age, it must be rolled to a complying superannuation fund.
The rules state if you take a pension, you must take at least 50% of your income stream. This means you can choose 50% (or greater) as a pension and the rest as a lump sum if you need money to spend on a new car, holiday or pay out the mortgage on your house.
Choose the option that delivers the best outcome for your lifestyle goals.
How can you maximise your benefits for your retirement?
Remember you can also make tax deductible contributions to a superfund outside of the PSS, given your concessional contribution cap.
When approaching retirement planning, it’s important to consider your PSS Super and other super funds and assets (including investment property, shares and cash in the bank), not just your PSS fund.
Should I make a contribution of 10% to my PSS fund?
Should I use up my leave?
When should I exit the fund?
Luke shares his top tips around taking benefits from a PSS in retirement. Seek advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/07/The-Strategy-Stacker-Luke-Talks-Money-19072024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you a PSS member thinking about your own retirement plans?Most PSS members don’t deal with retirement planning everyday but a financial planner like Luke does. Make an appointment to start your own retirement plans.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Luke is also experienced in helping PSS members make retirement plans. Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 12 July 2024. This week’s show looks at an important estate planning issue, and one that’s very important for those with people who have minors or those under 18 in their lives. This week Luke explores Testamentary Trusts, what they are, and why you might consider them as part of your own financial planning strategy when it comes to planning your estate. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What is a testamentary trust?
The Will must allow for the use of this vehicle, so it must be written into a Will.
What are the benefits of a testamentary trust from a tax perspective?
What about the benefit of asset protection?
What about superannuation, your Will and a testamentary trust? Can you direct your super to your Will?
Don’t forget about the complexities of blended families or minors who might not make great decisions.
What are the differences between family trusts and testamentary trusts?
Luke shares his top tips around testamentary trusts. Seek advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/07/The-Strategy-Stacker-Luke-Talks-Money-12072024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are your estate plans in order for your kids or grandkids?If you have minors in your life, you may consider adding a testamentary trust to your Will. There are some important benefits they offer around tax and asset protection. Make an appointment to speak with a financial planner and a family lawyer to implement your estate plans. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation. Luke can also refer you to a family lawyer who can work with you to meet your estate planning needs. He can also discuss with you how your superannuation estate planning works.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 5 July 2024. As we enter a new financial year, some of us start thinking about our retirement plans. Many people start planning for retirement at around this time of year, with a view to wrapping up full-time work around Christmas. There are however other strategic financial planning reasons why you might start a pension from your super in July other than starting full-time retirement. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

What are the reasons you might start a pension from your super in July, other than to fund your retirement?
Do you have debt that needs to paid off like your mortgage or personal debt?
Do you wish to transition to retire?
Are there school fees that need to be funded for your grandkids?
Do you need to fund a gap in paying back a loan on an investment property?
It comes down to thinking about using the best use of the resources you have.
Did you know you can use a payment to the adjust the taxable component of your super, it impacts on your estate planning goals
How does transition to retirement work? Work less and top up your income from your super.
Can I top up my super from a transition to retirement payment?
Is this opportunity available in a defined benefit scheme?
Luke shares his top tips around taking money from your pension. Seek advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/07/The-Strategy-Stacker-Luke-Talks-Money-05072024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help starting a pension from your super to help you achieve your goals?Most people don’t deal with superannuation and retirement planning everyday like a financial planner does. Make an appointment to seek advice if you need assistance to help plan your future with greater confidence.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

View Details

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 28 June 2024. The end of the financial year was this past weekend, so if you missed out on making a super contribution to get a tax deduction this year, plan ahead for next year and that’s inline with this week’s topic: Is it time to make some financial year resolutions for the new financial year? Goal setting and good habits are essential to help you reach your goals. Thank you for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

The end of financial year is a great time consider your new financial year goals
What opportunities are the for the new financial year? Super contribution limit changes and tax cuts!
Look where your money is going when you spend it. Is a change of behaviour appropriate if spending is high in a certain area?
Will you start a new investment and let in compound?
Can you automate saving so it just happens without thinking about it?
Set specific goals and reward yourself when you achieve them
Take stock of what you have at home, can you sell any second hand items?
Luke shares his top tips around setting goals for the new financial year. Seek advice if you need help

https://www.envisionfinancial.com.au/wp-content/uploads/2024/06/The-Strategy-Stacker-Luke-Talks-Money-28062024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

What are your new year financial goals?With the new financial year starting, it’s a great time to think about your new year financial goals. Will you review your spending? Should you start an investment? Will you contribute to super? Or perhaps you’ll start retirement planning! Seek financial advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

View Details

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 21 June 2024. With the end of financial year just a week away, Luke reminds listeners to check with their superfunds to see if the window is still open to make a super contribution. This weeks show looks at a new financial year topic: How do you control risk in super in the new financial year? Thank you for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

Most people want a strong income of their money in retirement as well as capital growth to help offset rising inflation. To achieve this, some risk is likely to be required. So how do you mitigate this risk?
Diversification is an important strategy to help mitgiate risk
Consider your asset allocation to growth assets within your investment option
A good income stream ensures you’re not selling out of your capital to fund your lifestyle
The benefit of franking credits to help fund your spending needs in retirement
Don’t forget about the costs of the fund you’re in
Tax matters are also worth considering, in regard to your returns
Luke shares his top tips around super funds and risk. Seek advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/06/The-Strategy-Stacker-Luke-Talks-Money-21062024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about risk as part of your super or retirement strategy?Risk can be challenging to manage, especially when you’re approaching or in retirement. Most people want a strong income off their investments as well as capital growth to protect against inflation. Seeking financial advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

View Details

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 14 June 2024. With the end of financial year just around the corner the show starts by reminding listeners it’s their last chance to get their end of financial year planning in order. This weeks show looks at a new financial year topic: Should I set up a SMSF on 1 July 2024. There’s some pro’s and con’s to self managed super and if you’re looking to grow your retirement savings, this show is a great place to start looking at the SMSF option. Thank you for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

What makes 1 July a good time to open a self managed super fund?
Why is a superfund like a car and how does it help you choose the right one for your needs?
Why would you consider a self managed super fund over other kinds of funds?
What are the benefits of a self managed fund?
Are there down sides to this kind of super vehicle?
Luke shares his top tips around self managed super funds. Seek advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/06/The-Strategy-Stacker-Luke-Talks-Money-14062024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is it time to get your super working better for your retirement?Self managed superannuation is not for everyone but this investment vehicle does have some benefits over other kinds of funds. If you need help, seek financial advice and make an appointment to speak with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

View Details

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 7 June 2024. With the end of financial year just around the corner, this weeks topic looks at the issues around selling your investment property and putting it into super. There are some reasons to consider this strategy, especially if you’re approaching retirement age. Thank you for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

What are the things to consider around keeping an investment property?
What are your needs given the value of the asset?
What is the true yield (net income) of your investment property? Don’t just look at the rent, there’s costs too, rates, insurance, strata, and so on.
What is the cost structure of the investment property?
What’s the best use of those funds?
Is liquidity important to you? Do you have things you’re planning to spend money on?
How much can you put into super? Can you claim a tax deduction to offset a capital gain if you have one?
Think about timing to make sure you can sell your property and get it into super.
Luke shares his top tips around selling an investment property, super and retirement planning. Seek advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/06/The-Strategy-Stacker-Luke-Talks-Money-07062024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about selling an investment property before retiring?Selling an investment property and placing the money into super might be a good retirement strategy. Seek advice before you make big decisions to help you plan your outcomes and provide income certainty. Speak to your accountant and a financial planner like Luke. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

View Details

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 31 May 2024. With the end of financial year just around the corner, this weeks topic looks at ‘How to maximise your tax deduction from an EOFY super contribution’. Thank you for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

How do I know how much super has been contributed this year?
Is there any more contributions coming in before the end of the financial year?
How much ‘space’ do you have, you can ‘top up’ that space
You can contribute up to your contribution limit – $27,500 this year
How do the concessional catch-up rules work – can you use your space from previous years?
Should I use all my catch-up space if I have it in one year?
How do I notify my super fund of my intention to claim a tax deduction?
Don’t forget to give the confirmation you get from your superfund to your accountant at tax time.
Luke shares his top tips around super. tax and end if financial year planning.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/06/The-Strategy-Stacker-Luke-Talks-Money-31052024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your EOFY Super and tax deductions?Have you been thinking about how to maximise your tax deduction from an EOFY super contribution? The clock is ticking. Seek financial planning advice if you require assistance and don’t forget to talk to your accountant and superfund too.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 24 May 2024. This weeks topic is a perennial one that many parents and grandparents ask themselves ‘How can I give my kids the best financial start in life?’. Thank you for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

You don’t need a lot to start
Benefit from compound interest over time
Consider adding to your savings over time
Where should you put your savings?
Let’s look at some saving examples over time
Why Luke says do a little something a littler sooner!
What stops people from starting something for their kids or grandkids?
Don’t forget about education – the sooner you start showing kids
Luke shares his top tips about helping the kids and grandkids.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/05/The-Strategy-Stacker-Luke-Talks-Money-24052024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about helping your own kids or grandkids?Are you doing anything for your kids or grandkids finnacially to help them kickstart life? Do something a little sooner and remember you don’t have to start with a lot. Seek financial planning advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 17 May 2024. This show considers when the best time to start a pension from super is. With the end of financial year just around the corner, should you start a pension from super before 30 June? Most people look forward to their retirement, but many don’t start their retirement planning until they’re ready to retire. The danger with that is you might miss out on some strategic financial planning opportunities that can better help you get set up for life after work. So start sooner! Thank you for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

If you decide to start a pension before 30 June, do it sooner than later, some funds only process pension payments twice a month.
One reason to start a pension is to reduce your hours at work and top up your income from your super (transition to retirement).
If you have multiple jobs, you can give up one and trigger access to your super (ceased a form a gainful employment over age of 60).
Contributing back to super might offer you a tax deduction, concessional contributions, catch up contributions might be considered.
You might use pension payments to fund a tax deductible super contribution This could offset tax on a capital gain caused by the sale of an asset.
You might also use a pension to lower your super balance in order to contribute more to super.
What are the pros and cons of starting a pension before June 30?
Luke shares his top tips about starting a pension before June 30.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/05/The-Strategy-Stacker-Luke-Talks-Money-17052024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your retirement planning? Seek advice if you need help to turn your superannuation into pension payments for your retirement. There’s pro’s and con’s to consider depending upon your goals. Also think about when you’ll start your pension.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 10 May 2024. This show encourages listeners to consider if they should make a contribution to their superannuation fund before 30 June 2024. The end of financial year is just around the corner and many people are thinking about their tax planning. A superannuation contribution may provide you with a tax deduction if you’re looking for one, as well as help boost your super savings for your retirement. Thank you for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

Making a super contribution shouldn’t be last minute, if you miss the deadline, it won’t apply this financial year.
What are 3 strategic reasons you might want to make a contribution to super before 30 June?
How much can you contribute to super, what’s the limit?
How do you make a contribution to super and claim a tax deduction?
Don’t forget your ‘Notice of intent to claim a tax deduction’ and give it to your super fund. Without it, your super fund won’t know you want to claim a tax deduction for it when it comes time to doing your tax return.
What are the concessional catch-up rules?
Can you put money into super and not claim a tax deduction? Why might you do that?
Are there any cons to making a contribution to your super before 30 June?
Luke shares his top tips about making a contribution to super before the end of the financial year.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/05/The-Strategy-Stacker-Luke-Talks-Money-10052024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your end of financial year planning? There are some strategic reasons to make a contribution t your super before 30 June to claim a tax deduction. Super can be complex, seek advice if you need assistance and don’t leave your contribution too late!Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 3 May 2024. This show explores the Centrelink Income Test as it applies to Centrelink Age Pension entitlements in Australia. If this show is of interest, you should listen to last weeks show too – What is the Centrelink Asset Test? The asset test will also be considered to assess your eligibility for retirement income support. It pays to understand both tests before you retire so you have certainty about your retirement income. Thank you for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

The age to access your super and the age to get the aged pension are not the same!
You can access super at your ‘preservation age’ (generally 60 or 55 if you transition to retirement earlier and are still working).
You can apply for and access the Centrelink Age Pension from the age of 67.
What is the Centrelink Income Test?
What sources of income does the income test include?
Remember if you’re part of a couple, your partner’s income is also considered.
How much income can you earn and still get the full aged pension?
Deeming is also considered as income from certain assets you have.
How does downsizing and selling your home impact your income test if you buy something smaller to live in?
Can you have a part aged pension from the Centrelink?
Is there a sweet spot to get some income from the aged pension and other sources like investment and super?
Luke shares his top tips when thinking about applying for the aged pension and the Centrelink Income Test.
See last week’s show for information about the Centrelink Asset Test.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/05/The-Strategy-Stacker-Luke-Talks-Money-03052024.mp3###### This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you progressing your own retirement plans? The Centrelink Income Test is one of the tests used to assess your eligibility to receive an aged pension entitlement in Australia. Retirement planning helps you consider how Centrelink works and provides you with greater certainty at retirement. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 26 April 2024. This show explores a complex topic around retirement. What is the Centrelink Asset Test and how does it work? Centrelink can be a challenging organisation to deal with. A good retirement plan however will consider how income support provided by the Government can fund your life after work, along with any income from your super. Thanks for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

What is the Centrelink asset test for the aged pension?
Which test is used – The asset test or the income test?
Is your family home exempt from the Centrelink asset test?
How does the asset test work for singles vs couples, home owners vs non-home owners
Can you spend money to lower your assets under the test? Consider spending money on your family home it’s an exempt asset!
What is deeming and how does it apply to your assets under the Centrelink rules?
Do you need to update your assets with Centrelink as time moves on?
If I’m not eligible for the aged pension right now, will I be eligible if my circumstances change?
Luke shares his top tips when thinking about applying for the aged pension and the Centrelink asset test.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/04/The-Strategy-Stacker-Luke-Talks-Money-26042024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your own retirement plans? The asset test is one test Centrelink will use to assess your eligibility for an aged pension. Seeking financial advice can help you make strategic decisions around how to plan your retirement income to get the best outcome for your situation.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 19 April 2024. This week’s show considers Exchange Traded Funds (ETFs) inside super. ETFs are available in a variety of sectors and cater investors seeking diversified portfolios without the need for daily decision making. They can offer cost savings too. Thanks for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

What is an Exchange Traded Fund (ETF)?
Indexes come in many forms – a group off assets in a specific sector or a specific market.
How is an EFT different to a Managed Fund?
What are the cost differences?
How can you use ETFs to diversify your investments?
What is the internal cost ratio and why is it important?
What is the approved product list within the super fund?
Do all super funds offer ETFs?
Can you get franking credits in an Exchange Traded Fund?
Can you have a second fund and to hold ETFs if your existing fund doesn’t offer them?
Luke shares his top tips when thinking about exchange traded funds inside super.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/04/The-Strategy-Stacker-Luke-Talks-Money-19042024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are ETFs part of your super and retirement plan? Do you know what investments you hold inside your super? What are ETFs and could they be good investments to grow your retirement savings? Seek advice if you need help with your own super and retirement strategies. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 12 April 2024. Leon Delaney returns to the studio this week after his extended Easter break, lucky Leon! This week’s show considers misconceptions around The Public Sector Superannuation Scheme (PSS). Many government employees have a PSS Super or an equivalent military defined benefit account. Sadly, many PSS members are not making the most of their retirement savings options and this episode explores why. Thanks for joining us live on 2CC or your favourite podcast streaming service.

Key topics covered include:

What is the PSS?
How does the fund calculate your benefit?
Why is a your contribution important to this benefit?
Did you know you can make a contribution to another fund and get a tax deduction outside of PSS? Many PSS members miss out on a tax deduction!
What is the current tax deductible or Concessional Contribution Limit for this year? Did you know it’s rising to $30,000 on 1 July 2024?
How do I work out my Concessional Contribution Limit?
You also need to lodge your ‘Notice of Intent to claim a tax deduction’ for your contribution to super with the super fund you make the contribution too.
Are there other strategies you can use like Super Splitting which might help you retire sooner?
Luke shares his top tips when thinking about making the most of the PSS and your retirement.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/04/12042024-The-Strategy-Stacker-Luke-Talks-Money.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you making the most of your super to plan for your retirement? The PSS is complex as it’s a defined benefit scheme. You can however have a second super fund and make even greater contributions for your retirement. You may even get a tax deduction along the way! Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 5 April 2024. We hope everyone had a Happy Easter, given there was no show last week. Nicole Overall joins Luke this week as Leon is on holidays. This week’s show considers the transfer balance cap. What is it and how does it affect your superannuation account? The show encourages listeners to think about their transfer balance cap when planning their retirement options. Thanks for joining us on 2CC or your favourite podcast streaming service.

Key topics covered include:

What is the transfer balance cap and does it get indexed?
The cap is currently $1.7 million but will rise to $1.9 million on 1 July 2024.
Are there differences between accumulation funds defined benefit funds with the cap? Yes there are!
What is the excess component and how much tax will you pay on it?
Do I get the full amount when indexation occurs?
Can I put more money into super when I reach my transfer balance cap?
Why the cap shouldn’t stop contributing to super!
Can you use your partner’s super if you reach your cap? Yes you can!
Can you still make a downsizer contribution if you’ve reached your transfer balance cap? Yes you can!
Luke shares his top tips when thinking about superannuation and transfer balance caps.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/04/The-Strategy-Stacker-Luke-Talks-Money-05042024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need to consider the transfer balance cap as part of your planning? No one wants to pay more tax than they’re required to at retirement. But the transfer balance cap might be preferable depending on your personal tax rate. Seek advice before you retire to understand your options.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 23 March 2024 with Leon Delaney. This week’s show considers contributing to super. Why would you put money into your super and not leave it in your bank account? The show encourages listeners to think about the benefits of super contributions including tax benefits and increased retirement savings. Thanks for joining us on 2CC or your favourite podcast streaming service.

Key topics covered include:

Many people don’t think about the structures that they use to save and invest.
Super is a great long-term vehicle, and a tax efficient vehicle too.
Why are you adding to super? It’s an important question. Are you lowering tax now, or working towards a longer term retirement goal?
Did you know you can hold investment property inside super? There are capital gains tax benefits for retirees when compared with an investment property outside of super.
How do estate planning considerations work in super? A spouse is always considered a dependent inside super and a binding nomination can’t be challenged like a will.
While super is useful, there are some reasons to keep the money in the bank too. Those reasons may be more advantageous for your goals.
Do a little something a little sooner, because despite what you might think you might not be able to contribute lots of money when you’re near retirement. Think about how super fits with your short and long-term financial planning.
Luke shares his top tips when thinking about contributing to super funds as well as the pro’s and cons of keeping it in the bank.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/03/The-Strategy-Stacker-Luke-Talks-Money-23032024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you making the most of your superannuation right now? Should you put money into super or keep it in your bank account? If you need financial planning advice to help you work on your short and long-term goals, make an appointment to meet with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 15 March 2024 with Leon Delaney. This week’s show considers superannuation funds. What makes a good super fund and what makes a bad one? The show encourages listeners to consider their own retirement savings and make sure their fund is right for their needs. Thanks for joining us on 2CC or your favourite podcast streaming service.

Key topics covered include:

Are you in the right super vehicle for your needs? It’s like finding the right car.
It’s not just about price, price is only one factor to consider.
What investment option or investment menu do you have access to?
Franking credits also matter, are they paid back to you?
Insurance arrangements also differ between funds, with different waiting periods and different coverage rates.
How does the fund charge the fees? Don’t forget about the ICR of the fund.
Income distributions also occur differently between different types of funds.
Luke shares his top tips when comparing funds.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/03/The-Strategy-Stacker-Luke-Talks-Money-15032024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you in the right super fund to help you reach your retirement goals? Superannuation can be complex. If you need help to assess your fund and confirm it is the right option for your needs now and into the future, seek personal financial planning advice.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 8 March 2024 with Leon Delaney. This week’s show considers investing in the current environment – how to invest when there are strong markets and record prices. The show encourages listeners to consider investing new money when the share market is rallying like it is right now. Thanks for joining us on 2CC or your favourite podcast streaming service.

Key topics covered include:

Share markets here and around the world are strong at the moment, and interest rates may have peaked
There’s been a strong reporting period by companies
Consider the dollar cost averaging strategy to stager your investments in
Remember, when you’re not invested, your not receiving investment dividends or returns
Fundamentally, you need to think about why you’re investing it before you make any investment
How much cash should you hold in an investment portfolio? Think about the right asset allocation for your own risk profile and needs.
Don’t forget about time in the marketing and the benefits of compounding
What about dividend re-investment plans?
Don’t forget about dividend payments, they will lower the share price when they happen
Luke shares his top tips around thinking about investing given the current market conditions.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/03/The-Strategy-Stacker-Luke-Talks-Money-08032024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you happy with your own investment plans or do you need help? Many investors worry about investing in strong investment markets. Seeking financial planning advice can help you by creating an investment asset allocation that fits with your risk appetite. Make an appointment with Luke if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 1 March 2024 with Leon Delaney. This week’s show considers risk and your investment portfolio. The show encourages listeners to consider how risky is the portfolio they’re holding. Many people are often surprised about the risk they’re taking within their superannuation when they take a closer look. Risk is something you should give consideration to for investments both inside and outside of super. Thanks for joining us on 2CC or your favourite podcast streaming service.

Key topics covered include:

Risk and your investment portfolio
Have you taken a look at risk?
Why trying to time the market presents risk too
Consider diversification from at lease 3 perspectives: individual investments, sectors, and time (dollar cost averaging)
Be careful of investment portfolio names – balanced might not be balanced, look at the percentage of growth and defensive assets
The difference between growth and defensive investments
Why you need to invest according to your own risk tolerance
Luke shares his top tips around thinking about risk and your investments and super

https://www.envisionfinancial.com.au/wp-content/uploads/2024/03/The-Strategy-Stacker-Luke-Talks-Money-01032024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is it time to take a closer look at risk and your investments or super? All investments carry risk. You can manage it through by selecting the right mix of defensive and growth assets that fit your own risk tolerance. Seek financial planning advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 23 February 2024 with Leon Delaney. Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show considers some of the common misconceptions people have around the transition to retirement process and strategy. It surprises many to learn that they can access money from their super through a pension, while still continuing to work, earning money and accumulating superannuation!

Key topics covered include:

What is the transition to retirement legislation and strategy?
Can I use the transition to retirement rules within the PSS like the CSS and other types of super funds?
I’ve got to take a pension on a fortnightly basis?
How much can you take from a pension when you’re in the transition to retirement phase?
Is a transition to retirement arrangement tax free, both the account earnings and the pension payments?
Can you add to a transition to retirement pension?
Does the pension money get added to my taxable income? No!
Can I use the pension income to pay down debt or a mortgage, to pay it off quicker?
Who qualifies for a transition to pension? Find out your preservation age here.
How do you go about using this strategy?
Luke shares his top tips around managing the transition to retirement opportunity.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/02/The-Strategy-Stacker-Luke-Talks-Money-23022024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your own super and retirement planning? Misconceptions around the transition to retirement pension can stop you from doing what you’d rather be doing! Seek advice if you need help to make the most of your options! Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 16 February 2024 with Leon Delaney. Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show considers some of the common misconceptions people have around super fund death benefits. A passing of a loved one is a very difficult time. It’s not the time to be surprised about what happens to their super or pension account.

Key topics covered include:

What is a binding nomination in regard to your super?
Did you know your Will has no control over your super or pension account?
There is a difference between a binding nomination and a non-binding nomination!
Family law advice is not the same as a post office Will
Is there tax on my super or pension if I die? It might not be tax-free!
Can I leave money to anyone from a super or pension or does it need to be a relative?
Do nominations lapse from super or pension accounts?
What happens to a nomination in a divorce? Does it still apply? Yes – so update it like your Will
Luke shares his top tips around managing the misconceptions around super and pension fund death benefits.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/02/The-Strategy-Stacker-Luke-Talks-Money-16022024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Have you thought about your own super and retirement planning? If you’re concerned about what happens to your super or retirement account if you or your partner passes seek advice. Your financial planner can work with your family estate planning solicitor to ensure you put in place an estate plan that meets your goals. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 9 February 2024 with Leon Delaney. Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show considers some of the common misconceptions people have around super funds. There are differences between regular funds and defined benefit funds too.

Key topics covered include:

Can I take money from super tax free?
The pension I take from super when I retire is tax free?
60 or 67 – Is access to super is different to access to Centrelink?
Will the income from my investments pay my pension in retirement?
Can I buy any investment I like within my super fund?
I’m 55, can I take my super as a lump sum from a PSS?
Do all super funds allow transition to transition to retirement – to start a pension while you’re still working?
My fund doesn’t charge me administration fees? Is that good?
Luke shares his top tips around managing the misconceptions around super funds.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/02/The-Strategy-Stacker-Luke-Talks-Money-09022024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your own super and retirement planning? If you’re concerned about your super and retirement income, seek personal financial advice to help you understand your options. Most people don’t deal with super every day so it can be complicated.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 2 February 2024 with Leon Delaney. Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show considers some of the common misconceptions people have around pension payments in retirement. Leon starts the show however by asking a question, what should you do if you won the $200 million Powerball?

Key topics covered include:

What is a pension from super?
Here are some pension payment misconceptions:
- Can I go back to work if I start a pension from super?
- Do I get a fortnightly payment?
- When I start a pension, I need to cash out my investments into a bank account? No don’t!
- Can I add money back into super if I’m not working? Yes you maybe able to, it’s got nothing to do with your employment status.
- Can I add more money to my pension once I retire?
- Do I pay tax on the sale of assets inside of a pension?
Luke shares his top tips around pension payments.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/02/The-Strategy-Stacker-Luke-Talks-Money-02022024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your own retirement planning? For retirees, having certainty around your income provides great piece of mind. Seek financial planning advice if you need help with your retirement planning.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 19 January 2024 with Leon Delaney. Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show considers some of the common misconceptions people have around making contributions to super. For most Australians, superannuation is the biggest investment outside of their own home. Given how tax effective super is, it pays to know what the rules are in order to make the most of it!

Key topics covered include:

The new year is a great time to think about your super and start making more of it.
There’s lot’s of misconceptions around super such as:
- You cannot make a contribution after you retire – that’s actually wrong, you can
- When you sell an asset, can I put it all into super – maybe you can, it depends on your situation
- I can only make a contribution to super in cash – no, you can transfer in assets to super if your fund allows it
- I want to put a lot of money into super, eg lotto win, inheritance, can I? – it depends on your situation
- I’m over 75, I can’t make a downsizer contribution – actually you can
What are the key things people need to remember?
Luke shares his top tips around super contributions.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/01/The-Strategy-Stacker-Luke-Talks-Money-19012024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about making more of your own super? Superannuation can be complex as most people don’t deal with it every day. Financial Planners however do. Seek advice if you need assistance to get more into super.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 12 January 2024 with Leon Delaney. Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show considers how to set up a small portfolio to get your investment plans going – for your kids or grandkids or even yourself! For people looking at starting an investment journey, this podcast will provide some ‘how to’ ideas following on from last week’s show on compound interest.

Key topics covered include:

Busting some myths around starting to invest!
You don’t need to start with a lot, you might even start with just $200
A micro-investment app could be a great place to start
There retail multi-investment products too, it’s prudent to seek advice to help you select the right investment option if you’re inexperienced or don’t wish to do-it-yourself
Regular savings can also help grow and investment portfolio, if you buy into more investments
‘Let it cook’ – remember time and compound interest are your friends
Automation can help you too, direct debit can you save consistently
How do you manage temptation once your investment portfolio grows?
Luke shares his top tips around starting an investment portfolio.

https://www.envisionfinancial.com.au/wp-content/uploads/2024/01/The-Strategy-Stacker-Luke-Talks-Money-12012024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about starting an portfolio investment in 2024? You don’t need a lot to start. But the sooner you start regular savings into an investment, the sooner you’ll start to benefit from compound interest too. If you need financial advice, make an appointment to speak with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 5 January 2024 with Ron Henshaw. Leon’s still on holidays but will return next week. Happy new year to our listeners! Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show looks at compound interest and the terrific impact it can have on investment returns over time.

Key topics covered include:

What can you do for your children or grandchildren (or perhaps yourself)?
Compounding interest might be the answer!
Can you automate your savings behaviour?
What does $5000 look like over 10 years, with $50 a month savings as an example?
Of course returns over time will change, but compounding still occurs over time
Many people don’t think long term, many people also don’t think multi-generational wealth outcomes
Where might you save or invest? Remember all investments have risk!
How do you start?
Additional resource – check out the Money Smart Compound Interest calculator.
Luke shares his top tips around saving and compounding interest

https://www.envisionfinancial.com.au/wp-content/uploads/2024/01/The-Strategy-Stacker-Luke-Talks-Money-05012024.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about saving into an investment in 2024? Time is your friend. The sooner you start the more you can benefit from compound interest over time. If you need financial advice, make an appointment to speak with Luke.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 22 December 2023. Thank you to everyone who has tuned into 2CC this year to listen to Luke, and a special shout out to the ‘The Strategy Stacker – Luke talks Money’ podcast listeners too. Thanks for joining us on your favourite podcast streaming service. This week’s show, the final of the year looks at New Years Resolutions – 2024. A new year is a great time to renew, refresh and reprioritise your goals. We wish you a Merry Christmas and hope 2024 moves you closer to achieving your personal financial goals.

Key topics covered include:

2024 has been a challenging financial year with cost of living and interest rate rises
Be realistic with you goals
Bring some requirements and consequences to your goals – don’t make them too easy, it will help you keep focus
Don’t compare yourself to friends and others
Use automation to help reach your goals, to save or pay bills
Have a clean out and sell what you don’t need
‘Consistency always wins’
Set short term goals and break down long term goals into short-term goals
Managing credit cards in 2024
The benefits of using cash
Luke shares his top tips around for making 2024 a great year financially

https://www.envisionfinancial.com.au/wp-content/uploads/2023/12/The-Strategy-Stacker-Luke-Talks-Money-22122023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your financial goals in 2024? New Year Resolutions are a great time to refresh and re-prioritise your goals. If you need help with your financial goals, seek advice. Luke and the team at Envision Financial Services wish you a safe and prosperous 2024.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ soon. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 15 December 2023. This week’s show asks a cracker of a question as the Christmas holidays approach quickly: How can I get through Christmas without blowing the budget? Perhaps more than at any other time during the year, Christmas brings a lot of expectations and emotions with it that can impact how you spend.

Key topics covered include:

Is it time to have a plan around Christmas spending?
Do you ask people what they want for Christmas or are you buying something just for the sake of buying something?
Set up an agreement with your family – can you just by for the kids?
Can you put a limit on how much you spend of a Christmas gift.
Online shopping might help you plan better and avoid queues.
Check your credit card limit and lower it if you need to.
Shop with cash, you can’t overspend when you only have cash to pay with.
Post Christmas sales provide cheaper gifts if people can wait.
If you do find yourself with credit card debt in January, turn it into a personal loan with lower interest, or switch to a credit card that offers transfer with free interest for a period.
Don’t compete with others when it comes to gift giving. Do what’s right for your budget.
Luke shares his top tips around Christmas spending.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/12/The-Strategy-Stacker-Luke-Talks-Money-15122023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your financial plans next year? Planning is important – Even at Christmas. Gift cards make a great option too. Make agreements with family members to set spending limits, so no one blows their budget to have a Merry Christmas and a Happy New Year!Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week – it’s the final show of the year. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now and makes a great Christmas gift.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 8 December 2023. This week’s show asks an interesting question for clients: How can you be a great client to get the more out of advice? Seeking advice, including financial planning advice is not a one way road. To get the most out of the advice and service provided, clients need to participate. This show takes a look at how to get the most out of the advice you seek.

Key topics covered include:

Most people realise advice of any kind is a two way street – you need to participate
All advice providers including financial planners have legal obligations, so sometimes there’s paperwork
Paperwork can be complicated and administration can seem like a lot of work, ask for help if you need it
Make sure you fill in paperwork correctly, forms might be rejected which can cause delays
Ask questions if you don’t understand something, your adviser is there to help! It’s important you understand what’s going on.
Be realistic with times frames – things like setting up accounts or applying for a home loan can take several weeks not days
Seek the right kind advisers to help you reach your goals
Luke shares his top tips around participating in the advice process.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/12/The-Strategy-Stacker-Luke-Talks-Money-08122023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about your financial plans next year? All service providers are there to help you. If you have questions ask them as there’s no such thing as a silly question. If you need help with financial planning advice we’re here to help explore your own financial goals, options and strategies.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

We look forward to your company again and Luke’s book Smart Money Strategy is out now and makes a great Christmas gift.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 1 December 2023. This week’s show considers: Can I work in retirement? If I work what tax will I pay? Let’s explore this question for pre-retirees and retirees, as many people look to continue work, even though they might have already started a pension income from their super.

Key topics covered include:

People go back to work for a variety of reasons and yes you can work in retirement.
A good place to start is thinking about tax is thinking about where you’re income is coming from in retirement
If you’re over 60 and started a pension, that money is tax free
If you’re earning income from work as well, you’ll enjoy the tax-free threshold for the first $18,200 you earn, and only pay tax on work earnings above that.
Think about sources of other income too – do you have rent from an investment property or dividends from shares outside of super?
Worrying about the tax might actually diminish the other benefits from working
What if I have a defined benefit pension? Is that taxable?
Can you mitigate tax? You can get tax deductions including tax deductible contributions to super!
Get some advice from your accountant too – you might also be eligible for the seniors tax offset too
What about family trusts and tax? Thinking about the vehicles in which how you hold assets can also make a tax difference
Luke shares his top tips around working in retirement
Remember, seek advice if you need help to plan your retirement, including working in retirement.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/12/The-Strategy-Stacker-Luke-Talks-Money-01122023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you thinking about work in retirement as part of your plan? Don’t let tax stop you from enjoying the benefits of working in retirement. You might be surprised just how little tax you can pay if you’re over 60 and are drawing an income from your super. Seek financial planning advice to help with your own retirement planning.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation. Luke can also refer you to an accountant or mortgage broker.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 24 November 2023. This week’s show considers using debt as part of your financial plan: Why would you borrow money to invest, given the current environment? With rising interest rates, many people think they’ll never build wealth, but borrowing to invest may provide an avenue to grow wealth for the future. This podcast explores some different ways to start growing wealth using borrowing to help fund the cost of investments.

Key topics covered include:

What are some of the reasons you might consider borrowing?
What can you save and contribute to the investment?
Is collective investing an option for you?
Negative gearing – how does it work?
Positive gearing – how does it work?
What should people think about before borrowing money?
Where do mortgage brokers add value?
Luke shares his top tips around how to borrow money to invest
Remember seek advice if you need help, it’s important you know how any investment works.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/11/The-Strategy-Stacker-Lukle-Talks-Money-24112023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is it time you started planning for your future?Borrowing money to invest can be used to invest in shares and ETFs, not just real estate. Think about your goals and know what you’re getting into at the start. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation. Luke can also refer you to an accountant or mortgage broker.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 17 November 2023. This week’s show considers asks the question Luke is often asked ‘Can I afford to retire and what do I need?’. While we all will be happy to enjoy life after work one day, it’s important that we set ourselves up for retirement success once that last work payday happens.

Key topics covered include:

The important of getting your information together
Identify your expenses and income requirements
Make sure you identify what you need
Approach it like this – Fixed costs then Variable costs.
Take a photo of receipts or look at your bank statement – then add them up at the end of the month to work out your expenses
Consider paying off larger expenses before you retire
What income can you generate from super in retirement?
What about Centrelink? How can it help you generate a retirement income?
Luke share’s his top tips when planning for retirement?
Remember seek advice if you need help, you don’t have to go it alone.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/11/The-Strategy-Stacker-Luke-Talks-Money-17112023-1.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is it time you started planning for your own retirement? Retirement planning can be challenging, but you don’t have to go it alone. Seek advice to ensure you set yourself up for retirement success.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation. Luke can also refer you to an accountant or mortgage broker.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 10 November 2023. This week’s show considers how to manage the cost of living in a rising interest rate environment. It’s a very challenging time for some Australian’s right now as increasing mortgage repayments bite hard into the family budget. Budget savings can help take the pressure off.

Key topics covered include:

Why rising interest rates impact us all – cost of living rises for everyone!
How can you save some money?
Insurance – shopping around and bundle cover, consider the excess paid and cover amount
Consider the pro’s and con’s of holding personal insurances inside super and the cover amounts and waiting periods.
Interest only repayments might be an option on an investment property
Lease over purchase might be an option for self employed people
Employers – Can you get a discount for an upfront payment?
PAYG withholding variation might allow you claim deductions during the year
Salary sacrificng to super might be put on hold – you can catch up later, if you need extra cashflow now
Pay closer atttention to yield on your investments, are you getting what you think you’re getting?
Shop around your bank! It’s not too hard to move and consider a mortgage broker
Consider your expenses – Access free tools here to help you manage your money better.
Shop with cash and sell second hand items you don’t use around the house
Remember seek advice if you need help, especially on more complex items like personal insurance.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/11/The-Strategy-Stacker-Luke-Talks-Money-10112023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is it time to sharpen up your own spending and save more?A budget is only as good as your engagement with it. If you’re making changes to personal insurance seek advice, it may help you find better solutions than what you could find on your own. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation. Luke can also refer you to an accountant or mortgage broker.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 3 November 2023. The show today continues to sorting out the facts from the fiction when it comes to retirement: How to turn your super into a pension? In recent weeks Luke has been exploring some myths around retirement planning and this show continues this topic series.

Key topics covered include:

A super account doesn’t automatically turn into a pension account when you retire
What is a pension?
Why would you start a pension using money from your super?
How do you physically start a pension from super?
How much money am I required to take from my pension?
Luke shares his top tips around turning super into a pension
Remember seek advice if you need help. Super can be complex when you don’t deal with it every day.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/11/The-Strategy-Stacker-Luke-Talks-Money-03112023-1.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you know what your retirement plan looks like?Retirement planning can be complex, and most people don’t deal with superannuation and pension funds everyday, so seeking advice for your personal circumstances can help you retire with confidence.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 27 October 2023. The show today looks at sorting out the facts from the fiction when it comes to retirement: What happens to my super when I retire? In recent weeks Luke has been seeing some wrong and sometimes disadvantageous information around reaching retirement. This show seeks to provide some sound information so pre-retirees can better assess their own options.

Key topics covered include:

When can you take money from your super?
When you retire, do you have take money from super or start a pension straight away? No!
Can I take a lump sum from my super?
It’s really important you have an idea about how much you need – do you know what you need to live on in retirement?
Can I start a pension from my super and how often can I get pension payments?
Is there a minimum amount of pension I need to take?
Can I still take a lump sum from a pension if I’m taking a pension?
Do you need to be a more conservative investor in retirement?
Are pension earnings and income tax free, including capital gains tax free?
Luke shares his top tips around planning for retirement
Remember seek advice if you need help. Super can be complex when you don’t deal with it every day.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/10/The-Strategy-Stacker-Lkue-Talks-Money-27102023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you know what your retirement plan looks like?There’s a lot of myths around retirement and it’s important you have a clear plan that provides you with certainty. If you need help seek advice. It can help you step forward with confidence.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 20 October 2023. The show today looks at Catch-up concessional contributions to super – they’re a great way to boost your super before retirement and get a tax deduction too. The catch-up concessional contribution strategy can be used in a variety of situations, and is great for stay-at-home parents, professionals, pre-retirees, self-employed/contractors, farmers, or those selling assets or receiving an inheritance.

Key topics covered include:

A quick re-cap of concessional and non-concessional contributions to super
What is the limit on the amount of concessional contributions you can put into super each year? Answer: $27,500 per year.
So what are catch-up concessional contributions – how much more can you put in as a catch-up above the limit?
You need to work out your own catch up amounts – it will be different for everyone depending on how much super you’ve contributed already as a concessional contributions.
What situations and who might you use a catch-up contribution?
What are the rules you need to adhere to around this opportunity?
What are some other opportunities around this?
Luke shares his top tips around catch-up concessional contributions.
Remember seek advice if you need help. Super can be complex when you don’t deal with it every day.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/10/The-Strategy-Stacker-Luke-Talks-Money-20102023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is a catch-up concessional contribution strategy right for you?There is a strategy to catch-up on superannuation contributions and get a tax deduction! It’s called the catch-up concessional contribution strategy. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 13 October 2023. The show today looks at Self Managed Super Funds – they’re increasingly popular but many people don’t know how they work or what the pros and cons are. Of course, self managed superannuation funds aren’t right for everyone. The topic this week for the show is: Self managed superannuation funds, are they the right choice for your retirement savings?

Key topics covered include:

What are the pros and cons of self managed super funds?
Can you hold real estate in a self managed super fund?
Are self managed super funds more expensive?
What are the differences between a SMSF and other types of funds?
What kinds of assets can you hold inside an SMSF?
Luke shares his top tips around self managed funds.
Remember seek advice if you need help. You don’t have to go it alone.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/10/The-Strategy-Stacker-Luke-Talks-Money-13102023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is a self managed superannuation fund right for you?Self Managed Superannuation Funds come with extra flexibility and more investment choice. But there’s also more responsibility too. Seek advice if you need help to explore your own super options.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement with consideration of your cashflow and debt. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 6 October 2023. The show today looks at the difference between offset accounts and redraw facilities . Both can be attached to a home loan but they’re not the same thing and they work very differently. Many people don’t make good use of offset accounts or redraw facilities because they’ve never been told how to use them effectively. The topic this week for the show is: Offset account and redraw facilities – What’s the difference between them and how to use them to your advantage?

Key topics covered include:

Many people don’t make good use of offset accounts or redraw facilities because they’ve never been.
What is an offset account and how does it work?
What’s the advantage of an offset account.
What is a redraw facility?
How much can you draw out using an offset account or a redraw facility?
How is tax different if it’s a loan on an investment property.
What are the considerations when using either an offset account or redraw facility.
Shopping around for a home loan is also useful, a mortgage broker can also help you with this.
Luke shares his top tips around using offset accounts and redraw facilities.
Remember seek advice if you need help. You don’t have to go it alone, it’s complicated sometimes making strategies work together.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/10/The-Strategy-Stacker-Luke-Talks-Money-06102023-1.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Are you making smart money decisions when it comes to money management?Are you making the best use of your offset accounts and redraw facilities? Take some time to make sure you are. You could save home loan interest. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement with consideration of your cashflow and debt. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 29 September 2023. The show today looks at loan repayments. When you pay back a home loan you can make interest only repayments or principal and interest repayments. The topic this week for the show is: Interest only repayments – are they good or bad? When might you do it?

Key topics covered include:

What is an interest only repayment on a loan?
When might you use interest only repayments?
How long can you hold an interest only loan?
Can you change lenders and get a new interest only loan period?
What are some reasons why you might use an interest only loan repayment?
Can it be fixed rate or a variable rate?
Remember interest payments on investment loans (such as a property) are tax deductible.
Finally, Luke shares his top tips around making interest only repayments.
Remember seek advice if you need help. You don’t have to go it alone, it’s complicated sometimes making strategies work together.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/10/The-Strategy-Stacker-Luke-Talks-Money-29092023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Is your financial plan working for your current situation and future retirement?Interest only repayments can be useful in some situations and can be used with an offset account too. If you need advice to get your financial life working better to achieve your goals, then seek it. You don’t need to go it alone.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement with consideration of your cashflow and debt. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 22 September 2023. The show today looks at breaking some of the myths around super, especially around growing it, while getting a tax deduction for it. The topic this week for the show is: How can I make a contribution to super and lower my tax?

Key topics covered include:

What is a deductible contribution to super?
What are the ways to make a deductible contribution to your super?
A personal deductible contribution means you can make a contribution to super and get a tax deduction.
Don’t forget your ‘Notice of Intent’ that you wish to claim a tax deduction. Make sure you send it to your fund.
Give the funds reply to your notice to your accountant a tax time, they can claim the deduction when doing your return.
What happens if I don’t put in a notice of intent – do I miss out on my tax deduction? Yes you do!
Would there ever be circumstances where you don’t want to claim a tax deduction by contributing to super?
Don’t forget about the limits on how many contributions you can make to super each year.
Finally, Luke shares his top tips around making contributions to super.
Remember seek advice if you need help. You don’t have to go it alone, it can be complicated especially when you don’t deal with it everyday.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/09/The-Strategy-Stacker-Luke-Talks-Money-22092023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your super or retirement plans?Super can be complicated, especially when you don’t deal with it often. If you need help to work out your super contributions or a retirement plan, seek financial advice. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 15 September 2023. Did you know some people move from an industry super fund into a self managed superfund? Maybe you’re one of them. Did you know there’s something in between – ‘a personal super fund’. The topic this week for the show is: What’s the difference between a self managed superfund and a personal super fund?

Key topics covered include:

Regardless of the type of superfund, all funds operate under the same rules
Different super vehicles have different features, you need to find the vehicle that’s right for your needs
A personal super fund for example has a wide variety of investment options, like a self managed super fund – shares, efts, managed funds
You can’t however buy a property in a personal super fund like you can a self managed super fund.
A self managed super fund requires you to complete all trustee and administration work where a personal super fund takes care of that for you.
There are other differences with personal super funds too, that’s a step between industry and self managed funds.
Personal super funds also provide options with dividends, franking credits, estate planning and at retirement too.
Finally, Luke shares his top tips around selecting the right super fund for you
Remember seek advice if you need help. You don’t have to go it alone, it can be complicated especially when you don’t deal with it everyday.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/09/The-Strategy-Stacker-Luke-Talks-Money-15092023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your super or retirement plans?Have you thought about the super vehicle you’re driving and is it delivering the features and benefits you need to reach your retirement destination? Seek advice if you need help with your retirement goals and savings. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 8 September 2023. At the start of Spring it’s been a little cold in Canberra this week but hopefully more summer weather arrives soon. The topic this week for the show is: What is dollar cost averaging and why … Luke on 2CC – What is dollar cost averaging and why would you use it when investing? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 1 September 2023. Spring has arrived and Christmas is really just around the corner. The topic this week for the show is: Super investment options – Is a balanced fund really balanced? In this podcast Luke explores the key … Luke on 2CC – Is a superannuation balanced fund option really balanced? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 25 August 2023. The topic this week for the show is: What does risk really mean and how do we manage it? It’s an important topic as it affects everyone’s financial plan. In this podcast Luke explores the key issues.

Key topics covered include:

It’s important to separate the investment vehicle from the risk
Assets like shares carry some uncertainty
People have different attitudes about risk
What you invest in determines risk, how fast will you drive your investment vehicle?
There’s also an exposure in being too conservative, you might not keep up with inflation
How do you assess it in your super and assess the investment options of your the fund?
There’s strength in diversification to help defend against investment risk
Should your age determine how you view it? Luke says No.
Finally, Luke shares his top tips around managing risk

https://www.envisionfinancial.com.au/wp-content/uploads/2023/08/The-Strategy-Stacker-Luke-Talks-Money-25082023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to manage the risk within your own financial plan?Risk is an important consideration in any financial plan as it can impact the outcomes that you achieve. If you need help with your planning or how to manage risk you don’t need to go it alone, seek advice.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement. Make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Luke’s book Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 18 August 2023. The topic this week for the show is: Where do you begin to start investing? It’s back to the fundamentals this week on a topic that’s a corner stone to the financial plan of most people. … Luke on 2CC – Where do you begin to start investing? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 11 August 2023. Luke starts the show sharing some recent good advice experiences. There’s a lot of misinformation out there and people often don’t know about the decisions they can make to achieve their goals sooner. The topic this … Luke on 2CC – How much money can I take when starting a pension from super? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 4 August 2023. Luke this week is joined by Sara Mason-Jones, a highly experienced solicitor with expertise in residential and commercial conveyancing and commercial leasing at Trinity Law. The topic this week for the show is: What is conveyancing … Luke on 2CC – Investing in property. Part 5: Conveyancing Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 28 July 2023. Luke this week is joined by Anthony McCormack, an experienced Residential Agent at Haymen Partners. The topic this week for the show is: What are the current residential property trends and selling tips for owners? Key … Luke on 2CC – Investing in property. Part 4: Trends and Selling Tips Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 21 July 2023. Luke this week is joined by Chris Miller, an experienced Strata Management at Vantage Strata. The topic this week for the show is: What does a Strata Manager do? Key topics covered include: Is Strata Management … Luke on 2CC – Investing in property. Part 3: Strata Management Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 14 July 2023. Luke this week is joined by Mark Nicholls a Commercial Agent at Raine & Horne. The topic this week for the show is: Investing in property – Commercial Property – What are the key things to … Luke on 2CC – Investing in property. Part 2: Commercial Property Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 7 July 2023. The topic this week for the show is: Investing in property – What do you need to think about before you make a decision to buy one? Key topics covered include: Why are you investing in … Luke on 2CC – Investing in property. Part 1: What to think about before you buy? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 30 June 2023. The topic this week for the show is: What are you financial new year resolutions? Will you make some changes to the way you do things or are there some new habits you want to adopt? … Luke on 2CC – New Habits for a New Financial Year Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 23 June 2023. The topic this week for the show is: What are the top 5 risks for people approaching retirement? If retirement is on the horizon there’s somethings you need to consider before you give up work. Make … Luke on 2CC – Luke’s top 5 risks in retirement and how to avoid them! Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 16 June 2023. The topic this week for the show is: Salary sacrifice and super opportunities for the new financial year. The end of financial year is just around the corner and if you haven’t got your super contributions … Luke on 2CC – Should I salary sacrifice in the new financial year? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 9 June 2023. The topic this week for the show is: How to reduce your working hours by starting a pension. There’s lot’s of misinformation about retirement and when you can access your super. In this episode Luke explores … Luke on 2CC – How to reduce your working hours by starting a pension Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 2 June 2023. The topic this week for the show is: 30 June Super and Tax Strategy. The 30 June Super deadline is just around the corner. Don’t leave it until it’s too late if you’re considering a boosting … Luke on 2CC – 30 June Super and Tax Strategy Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 26 May 2023. The topic this week for the show is: Why so you need an Enduring Power of Attorney? Key topics covered include: What is an Enduring Power of Attorney? When might you need one? Who should have … Luke on 2CC – Why do you need an Enduring Power of Attorney? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 19 May 2023. The topic this week for the show is: What is a binding nomination and how does it work?

Key topics covered include:

Your Last Will and Testament (your will) has no control over your super?
You need to have a binding nomination in place on every individual account you have.
What is a binding nomination exactly? How is it different to a non-binding nomination?
Did you know nominations can expire?
You need a witnesses when you make your nomination.
What happens in self-managed super funds?
How do you make a binding nomination?
What should you consider when making a binding nomination – consider the tax implications too for adult children.
Blended families create more complex estate planning considerations – seek advice.
Luke shares his top tips around making binding nominations.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/05/The-Strategy-Stacker-Luke-Talks-Money-19052023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your personal financial planning?Have you got your binding nominations in place on each of your superannuation funds? It can be complicated, especially with blended families. Seek advice if you need help.Luke as a Financial Planner can refer you to an accountant at no cost . Luke himself can help you set up a financial planning strategy to help you achieve your personal financial goals, including binding nominations attached to your super or account based pension. Make an appointment to confidentially discuss investment, super, insurance or retirement planning. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other matter matters next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 12 May 2023. Before they start the show Leon mentions the opinion piece Luke wrote for the Canberra Times this week, about how legislators could help close the super gap for females and provide better retirement outcomes. The topic however this week for the show is are all accountants the same?

Key topics covered include:

The end of financial year is just around the corner!
Your situation should determine what type of accountant you need. They’re not all the same.
Typically, there are three kinds of accounting firms.
How do accountants charge? Do you know what you’re going to pay?
How can you be proactive to keep costs under control?
Can accountants be specialists? Eg SMSF accountant.
Luke shares his top tips around shopping around for an accountant?

https://www.envisionfinancial.com.au/wp-content/uploads/2023/05/The-Strategy-Stacker-Luke-Talks-Money-12052023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your personal financial planning?Not all accountants are the same. Think about your needs and be as proactive as you can to ensure you get fair value. If you need financial planning advice, let’s see how we can help you achieve your goals.Luke as a Financial Planner can refer you to an accountant at no cost . Luke himself can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance or retirement planning. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other matter matters next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Smart Money Strategy is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 5 May 2023. The topic this week is an important one as we approach the end of financial year: How much can you put into your super?

Key topics covered include:

The end of financial year is just around the corner!
How do you figure out how much money you can put into super this year?
What are the specific questions to ask my super fund?
Do you have previous year cap space you can use too?
PSS members (and other defined benefit scheme members) check your statement for the cap space you have
How do you make a contribution to your fund?
Have you completed your ‘Notice of intent’ form to claim a tax deduction?
Luke shares his top tips around contributing to super before the end of the financial year.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/05/The-Strategy-Stacker-Luke-Talks-Money-05052023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your super or retirement plan?Do you know how much you can put into super this financial year and claim a tax deduction for? Super can be complicated, so seek advice if you need help. Don’t leave it until the end of financial year to make your contributions as they need to be received by your super fund by the 30 June deadline.Luke as a Financial Planner can refer you to a mortgage broker at no cost to help you get a better home loan. Luke himself can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other matter matters next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 28 April 2022. The topic this week is an important one for mortgage holders and first time home buyers: How to get a better home loan? With rising interest rates and costs of living, every dollar counts.

Key topics covered include:

With rising costs of living and rising interest rates, securing a better home loan is more important than ever.
Be mindful of your spending, it impacts how you will be viewed.
Getting a better loan is like going on a first date, you’ve got to put your best foot forward.
Get your loan to value ratio as low as possible.
Are your income and expenses in order – know your numbers.
Can you show your savings behaviour?
Is it better to go to a bank or a mortgage broker?
Bring credit card limits down or shut them down, you’ll be assessed on your credit limits, not what you’re using.
If you’re in business with finance needs consider government grants, crowd funding and venture capital options too.
Luke shares his top tips to get a better home loan outcome.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/04/The-Strategy-Stacker-Luke-Talks-Money-28042023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to get a better home loan?Regardless of if you’re an employee or a business owner, in an environment with rising interest rates and costs of living, getting a better deal on your loans can help put you in a better financial position. Seek advice if you need help.Luke as a Financial Planner can refer you to a mortgage broker at no cost to help you get a better home loan. Luke himself can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to 2CC to talk about other matter matters next week. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 21 April 2022. The topic this week though is an important one for those thinking about leaving work. How do you transition to retirement from full time work and can you get a tax deduction along the way as you continue to boost your super while working? It surprises many people to learn they have more options at retirement – it’s not just stopping work!

Key topics covered include:

What is a transition to retirement pension?
You don’t have to give up work to start one.
How much money can you take from a transition to retirement pension?
Do you know your preservation age, the age you can access your super?
Many people don’t realise that they can also use their pension payment to make a deposit back to super.
Personal contributions can be tax deductible too!
Do you know your ‘caps space’, the amount you can claim as a tax deduction from a super contribution?
Don’t forget your notice of intent, it’s the paperwork to claim a deduction and you lodge it with your super fund.
You don’t have to give up work to use a transition to retirement strategy.
Luke shares his top tips to consider when transitioning to retirement.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/04/The-Strategy-Stacker-Luke-Talks-Money-21042023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to transition to retirement or create a retirement plan?If you’ve reached your preservation age, you can start a transition to retirement pension while you’re still working. Depending on your ‘cap space’, you might also be able to claim a tax deduction for making a contribution to super! Seek advice if you need help to create a retirement plan.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC on 21 April 2023. You can also catch up with The Strategy Stacker – Luke Talks Money podcast at a time that suits you.

We look forward to your company again and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 14 April 2022. Both Luke and Leon return to the studio after last Friday’s Good Friday public holiday. They start the show by talking about Luke’s just released new book ‘Smart Money Strategy’. The topic this week though is an important one – Defined benefit funds and income tax deductions – can you lower your income tax?

Key topics covered include:

CSS PSS – Government Super Funds
DFRDB MSBS – Military Super Funds
How do they differ from other types of accumulation super funds?
How can you use your defined benefit fund to reduce your taxable income?
Do you know your contributions cap?
Did you know you can use another accumulation fund as well as your defined benefit fund?
Don’t forget your notice of intent!
What should you consider if you want to lower your taxable income when you have a defined benefit fund?

https://www.envisionfinancial.com.au/wp-content/uploads/2023/04/The-Strategy-Stacker-Luke-Talks-Money-14042023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to make the most of your defined benefit super and retirement savings?If you haven’t looked at your defined benefit fund in a while and considered your concessional contributions cap, you could be missing out growing your retirement savings and getting a personal income tax deduction. Seek advice if you need help. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC on 21 April 2023. You can also catch up with The Strategy Stacker – Luke Talks Money podcast at a time that suits you.

We look forward to your company again and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 31 March 2022. Leon Delaney returns to the studio with Luke and continues the conversation about Luke’s new book which is out now: Smart Money Strategy – Your Ultimate Guide To Financial Planning. The book is published by Wiley.

Key topics covered include:

Should 2CC change the name of the show from Money Matters to Smart Money Strategy?
Why understanding your thoughts and feelings about money is a good place to start when thinking about your financial life.
What is strategy stacking and also how does it work?
Not all financial planning strategies are right for everyone at every point in their life
Building your strategy stackings will change as your life changes, this is because your goals change
Thinking about budgeting differently – it’s not about denial, instead it’s leverage for a better strategy stack to help you achieve your goals
Unlike other books, this book is primarily written for an Australian audience and it’s an all age book.
Who is the book for? It is certainly for those interested in improving their financial life
Why respecting your earnings is an important foundation.
How to get the most out of Smart Money Strategy to help you achieve your goals.
Finally and for more information click here or the book banner below.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/04/The-Strategy-Stacker-Luke-Talks-Money-31032023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Would you like to put some smart money strategies to work for your own financial life?Would you like to learn about the financial planning strategies that financial planners use with their clients to help them reach their goals? Smart Money Strategy is the book you’ve been waiting for. Learn some new strategies to help you reach your own goals!Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC on 14 April 2023, as next Friday is Good Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcast at a time that suits you.

We look forward to your company again and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 24 March 2022. This weeks topic Luke continues the conversation about his new book that was officially launched this week – Smart Money Strategy – Your Ultimate Guide To Financial Planning is out now.

Key topics covered include:

How did the Smart Money Strategy Book launch go?
Financial planning strategies will be different for people in different life stages
Regardless of your age, it comes down to your why – your own goals
Cashflow drives the ability to make decisions and will impact the financial house you build
One of the drivers for the book was to improve financial knowledge
Better financial knowledge, delivers better behaviour and outcomes
Good information provides you with more options and more choices
Why Smart Money Strategy was written in the way it was.
Luke shares some key takeouts from the book and mentions he’s appearing on the Today Show on Sunday 26 March.
For more information click here or the book banner below.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/03/The-Strategy-Stacker-Luke-Talks-Money-24032023.mp3###### Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice to help you reach your goals?Do you need some help you reach your goals? Luke’s new book ‘Smart Money Strategy’ is a great place to start exploring the financial planning strategies that financial planners use with their clients. By growing your knowledge you have access to more options.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcast.

We look forward to your company again and sharing more news about the book that’s coming 20 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 17 March 2022. This weeks topic is: Smart Money Strategy. Luke gives his first interview about his new book that goes into print and electronic bookstores from 20 March 2023.

Key topics covered include:

Why we don’t get around to planning for ourselves
When should you start thinking about your financial plan?
Why is strategy important?
Are there strategies for different life stages?
The process of strategy, structure and then investments
The importance of setting goals
Different strategies at different life stages
Why did you write the book ‘Smart Money Strategy’
Where is the book available from?

https://www.envisionfinancial.com.au/wp-content/uploads/2023/03/The-Strategy-Stacker-Luke-Talks-Money-17032023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice to help you reach your goals?Do you need some Smart Money Strategy to help you reach your goals. Perhaps Luke’s new book is an easy way to start before seeking advice. If you need help, make an appointment.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You may also catch up with The Strategy Stacker – Luke Talks Money podcast.

We look forward to your company again and sharing more news about the book that’s coming 20 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Matters show which aired on Friday 10 March 2022. This weeks topic is: How is super taxed and what is the tax rate that’s applied. All working Australians have superannuation but do you know how the tax works? Key topics covered include:

Tax depends on the status of your account – are you in the working phase or retirement phase?
In the working phase, it’s a flat rate of tax – 15%
However, if you earn more than 250k, you’ll pay a higher rate – and additional 15%
If you however move to the retirement phase and take a pension and are over 60, you pay no tax – 0%.
What about capital gains tax in the working phase and in the retirement phase?
If you exceed more than $1.7 million in super what happens at retirement and what are your options?
Are there any other strategies that might be useful around how super is taxed?
How does transition to retirement work?
Luke share’s his top tips around making the most of super and retirement options.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/03/The-Strategy-Stacker-Luke-Talks-Money-10032023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice on super and retirement planning?For the average Australian, you pay less tax on your super than most other savings vehicles. In this regard, it’s a gift. Super is a great way to grow retirement savings. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You may also catch up with The Strategy Stacker – Luke Talks Money podcast.

We look forward to your company again and sharing more news about the book that’s coming 20 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Matters Show which aired on Friday 3 March 2022. This weeks topic is: How to make non-concessional contributions to super. However Luke and Leon start the show by talking about the recently proposed Super tax increase on high superannuation balances. Luke explores what the changes really mean.

Key topics covered include:

What is a non-concessional contribution to super
What is the limit of non-concessional contributions you can put in to your super every year?
Good news – you don’t need to be working to make this type of contribution (up to the age of 75)
When might you make a non-concessional contribution to super?
Are there any estate planning issues you should consider as part of this strategy?
Are there any other limits you need to check?
Luke share’s his top tips around making non concessional contributions to super.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/03/The-Strategy-Stacker-Luke-Talks-Money-03032023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice on non-concessional contributions to super?Non-concessional contributions are a great way to boost your super quickly. Think about the order in which you make contributions and estate planning consequences too. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You may also catch up with The Strategy Stacker – Luke Talks Money podcast.

We look forward to your company again and sharing more news about the book that’s coming 20 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 24 February 2022. This weeks topic is: Catch-up concessional contributions to super, what are they and how can they help you live comfortably in retirement?

Key topics covered include:

What are catch-up concessional contributions?
What’s the limit you can put into super each year?
The legislation allows you to look back and use up the limits you didn’t use
What are the key rules to using this strategy?
An example of using this strategy
What situations might you use this strategy?
How does this strategy work with a transition to retirement strategy?
How do you use this strategy – Don’t forget your notice of intent
Luke share’s his top tips around using the catch-up contributions strategy.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/02/The-Strategy-Stacker-Luke-Talks-Money-24022023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice around super or retirement planning?Superannuation can be complicated, but catch-up concessional contributions are a great way to boost your retirement savings. If you need help seek advice.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You may also catch up with The Strategy Stacker – Luke Talks Money podcast.

We look forward to your company again and sharing more news about the book that’s coming 14 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 17 February 2022. This weeks topic is: Making contributions to super, without salary sacrificing through work?

Key topics covered include:

Is salary sacrificing the only way to get money into super? It’s not!
There are more options now, but many people don’t know them
You can now make a personal deductible contribution and claim a tax deduction
What are the advantages of doing it yourself and not through your employer? There are some real advantages!
How much can you put in?
What is a notice of intent and why is it important?
Can you take money out of super if you’re over 60 and re-contribute it to super? What’s the advantage of it?
Make sure you get your contributions into super before June 30
Luke share’s his top tips around making super contributions without salary sacrificing.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/02/The-Strategy-Stacker-Luke-Talks-Money-17022023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice around super or retirement planning?There are other ways to make contributions to your super other than your employer. Super can be complicated, so seek advice if you need help with your own retirement plans.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment, for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You may also catch up with The Strategy Stacker – Luke Talks Money podcast.

We look forward to your company again and sharing more news about the book that’s coming 14 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 10 February 2022. At the start of the show Leon talked about Luke’s new book ‘Smart Money Strategy’ This week Luke received an advance author copy, due for release 14 March 2023. This weeks topic is: Super splitting – what is it and how does it work?

Key topics covered include:

Can you really split your super with your partner?
What kinds of superannuation contributions can you split?
How much can you super split?
When can you split your contributions?
Why would you split your super with your spouse? It’s about the younger spouse getting access to super sooner (and perhaps retiring sooner)
Do you do it once, or do you have to split super every year?
Luke share’s his top tips around super splitting, as part of a retirement strategy.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/02/The-Strategy-Stacker-Luke-Talks-Money-10022023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice around super splitting or retirement planning?Super splitting is a useful strategy that couples can use to help with their retirement planning. If you need help please seek personal advice. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcast.

We look forward to your company again and sharing more news about the book that’s coming 14 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 3 February 2022. This weeks topic is: How to get rid of your debt and cashflow pain in 2023. Luke joins Leon in the studios at 2CC to talk about taking control in 2023.

Key topics covered include:

It’s a new year and a good time to make a plan
Life is expensive, and it could be about to be getting more expensive with mortgage rates rises
A good place to start is checking your rate – a mortgage broker can help you refinance if required
If you need help ask for help, consider if interest only an option for you?
Consider security you can offer the bank to improve your loan to value ratio, it might give you a better rate
Use offset accounts to reduce credit card debt, typically the rate on your credit card is much higher than you home loan
What about interest free cards as a payout option?
Car leases can also be costly too
Luke share’s his top tips about saving money on your home loan and reducing debt

https://www.envisionfinancial.com.au/wp-content/uploads/2023/02/The-Strategy-Stacker-Luke-Talks-Money-03022023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help reduce debt and take control? Debt and cashflow stress can cause all kinds of financial problems, especially in an environment with rising home loan rates. Seek advice if you need to. Act early and take control in 2023.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again and sharing more news about the book that’s coming 14 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning. Visit thestrategystacker.com.au to find out more or click on the below banner.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 27 January 2022. This weeks topic is: What is the financial planning process and how does it work? Many Australian’s haven never sought the advice of a financial planner. So if you do decide to go and seek personal advice, what should you expect?

Key topics covered include:

Don’t be afraid to seek advice
Come to the meeting with your objectives or an idea of what you’d like to achieve (including with your partner)
Bring your financial information along
Think about your timeframes too, eg if you’re retiring from work or would like to
Financial advice should be provided to you in writing
Make sure you understand the advice, ask questions
What happens after the first meeting?
How does the cost of financial planning work?
Luke share’s his top tips about seeking financial advice for yourself

https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-27012023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you reach your goals?Making financial decisions by yourself can be complex, especially with changing rules with super and retirement. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again and sharing more news about the book that’s coming 1 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning. Visit thestrategystacker.com.au to find out more or click here.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 20 January 2022. This weeks topic is: Luke’s top 5 questions from 2022? This show looks back at the things that Luke was asked the most from people in his role as a financial planner last year. But before they start the questions, Luke answers a question from a listener.

Key topics covered include:

Listener question from last weeks show: Why can’t you live in a property that’s owned by your self managed super fund?
How much do I need to retire?
When can I get my money from super?
Is the age I can get money from super the same date I can get the aged pension?
How do I fund my retirement from my super?
How do I start a pension when I retire and what are the rules around it?
Luke shares his top tips on super fund structures.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-20012023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need personal financial advice to answer your questions?Luke Smith answers his top 5 financial planning questions from 2022. If you have questions about financial planning, you don’t have to go it alone. Seek advice and get the help you need.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again and sharing more news about the book that’s coming 1 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 13 January 2022. Leon’s back in the studio this week from Christmas break. This weeks topic is: Are all super funds the same? For most Australians, super is the biggest asset outside of the family home so it’s worthwhile spending some time to make sure you’re in a fund that’s working hard for you.

Key topics covered include:

Most people don’t think about the fund as an investment structure, they think about the investments and return.
These things however a different, today’s show talks about the structure, and specifically the features of your fund
What kinds features should you look for?
How do self managed super funds differ?
What’s the difference between a personal (retail) fund and an industry super fund?
How can people check if they’re in the right fund?
What about fees?
Luke shares his top tips on super fund structures.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-13012023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you assess your super fund?Are you in the right super fund structure to help you achieve your goals? Seek advice if you need help to review your options and get your retirement savings moving in the right direction.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again and sharing more news about the book that’s coming in 2023!

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 6 January 2022. Leon’s on holidays this week so Luke has a guest co-host. This weeks topic is: Assessing your administration fees and other fees on your super. As we enter the new year, it’s a good time to make sure you’re getting fair value on the costs associated with retirement savings. Over many years those fees can really add up.

Key topics covered include:

When was the last time you checked what you’re paying?
Fees often reflect features – are you in the right kind of super fund?
What kind of super funds are there and how do features and fees change?
What is an ICR and why does it matter?
What other costs are there?
How do you make a change? Start with your funds Product Disclosure Statement.
Can a fixed fee option be used or investments like exchange traded funds help you reach your goals?
Luke shares his top tips on reviewing fees on super.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-06012023.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you assess your super fund?Over time, fees on your super fund can really add up. Take some time to make sure you’re getting fair value for the features you need. Seek advice if you need to.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again and sharing more news about the book that’s coming in 2023!

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 23 December 2022. This is the last show of 2022 and we wish all listeners a Merry Christmas. This weeks topic is: Why short term goals make sense.

Key topics covered include:

The new year provides an opportunity to re-set
Set realistic goals
Set short term time frames – repeated over time, they turn into medium and long term goals
Do something small a little sooner, compounding interest helps!
Why rewards for reaching goals are important
There are a many places to save – such as savings accounts, offset accounts and super funds
Don’t go it alone, setting goals with others
How can you change your behaviour to reach your goals?
Luke shares his top tips on setting financial resolutions for 2023.

https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-talks-Money-23122022.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you reach your goals?Setting short term goals are easier to achieve than long term goals, but repeated over time they turn into medium and long term goals. Seek advice if you need help to set up your own goals. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again in 2023. Merry Christmas to our listeners.

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 16 December 2022. This week Leon is back in the Studio with Luke. This weeks topic is: Planning ahead, New Year Resolutions for your finances.

Key topics covered include:

There’s lots of resolutions but let look at some financial ones
When it comes financial goals, start with your spending (budget)
Start something a little sooner, means less radical changes later in life
Save a few dollars here and there provides you with the ability to save (actively saving)
If you can raise your income, keep you spending the same – and save too
Use technology to your advantage and automate if it helps
Where do you start to find savings?
There’s also the option of clearing out the things you don’t need or use anymore
Don’t pay the lazy tax!
Credit cards – how can you use them to your advantage
Use cash and leave the cards at home
Do what’s right for you
Set short term goals – do something between Jan and March, then assess and review.
Luke shares his top tips on setting financial resolutions for 2023.

https://www.envisionfinancial.com.au/wp-content/uploads/2022/12/The-Strategy-Stacker-Luke-Talks-Money-16122022.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you reach your goals?What will your financial resolutions be for 2023? Perhaps starting an investment portfolio or perhaps planning for retirement? Seek advice if you need to.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again and sharing more news about the book that’s coming in 2023!

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 9 December 2022. This week’s topic for discussion is one that everyone can take something from. As we approach Christmas, retailers help us all turn their attention to gift giving. And with high inflation rates this year the cost of Christmas shopping is higher than usual. This weeks topic is: How to spend money through Christmas, without blowing up your budget.

Key topics covered include:

No one wants to start 2023 with a large Christmas debt
Just like any significant purchases, with Christmas shippoing you need a plan
There’s nothing wrong with asking someone what they want, to avoid wasteful spending
Gift cards are great, they allow the receipt to buy what they want
If you want to control spending, go shopping with cash and leave the cards at home
At all costs, avoid buy now and pay later and short term lenders
As a family, make a rule not to buy adults presents, leave presents for the kids
Remember the current environment, rising interest rates and inflation are still going to probably be issues next year
How to use credit cards effectively
Make good use of offset accounts as the interest rates are typically cheaper than credit card rates
Use your frequently flyer points to buy gifts
Keep your receipts from Christmas shopping
Luke shares his top tips on getting through Christmas financially fit.

https://www.envisionfinancial.com.au/wp-content/uploads/2022/12/The-Strategy-Stacker-Luke-Talks-Money-09122022.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you reach your goals?Christmas can be an expensive time of year so it makes sense to have a spending plan so you get through it financially fit. Have a Merry Christmas!Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again and sharing more news about the book that’s coming in 2023!

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 2 December 2022. This week’s topic for discussion is one that is important to consider once you’ve retired. How can you maximise your pension from your super? It’s an important step in your retirement to make sure you’ve got money to fund your life after work.

Key topics covered include:

The benefits of making a non-concessional contribution to super before you retire
The benefits of making a concessional contribution to super before you retire
Where might these contributions come from?
Pensions are tax free – so it’s a great vehicle to save and retirement
Self employed people can also benefit from making contributions
The downsizer contribution also allows you to put money into super
What are the things you should keep in mind when starting a pension?
Consider the estate planning issues for non-dependent adult children – how can you maximise your tax free components
Whose name your going to put a pension into, considering the transfer balance cap limits
Consider the tests too, ensuring you are eligible to make super contributions
Luke shares his insights into maximising your pension. Seek advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2022/12/The-Strategy-Stacker-Luke-Talks-Money-02122022.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help you make the most of your retirement options?Making the most of your superannuation while working is an important step in helping you maximise your pension in retirement. Seek advice if you need help.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again and sharing more news about the book that’s coming in 2023!

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 25 November 2022. This week’s topic for discussion is one that we’ll all need to consider at some point – How do you turn super into a pension? But they start the show by talking about the new company director number that company directors need to apply to the ATO by 30 November to avoid penalties.

Key topics covered include:

Many people don’t think about turning their super into an income until they retire
It is a fairly straight forward process, but where do you start?
Do you know your Commonwealth Preservation Age?
Have you met a condition of release?
Pension payments are very flexible – choose payments date that suit you
Request and complete the paperwork from your superfund to start a Pension.
How does tax work with a pension account compared to super account?
Do you have to give up work full time before you can start a pension?
What is a transition to retirement pension compared to a normal pension?
How much do you have to take from your pension each year?
Luke shares his insights into turning super into a pension. Seek advice if you need help.

https://www.envisionfinancial.com.au/wp-content/uploads/2022/11/The-Strategy-Stacker-Luke-Talks-Money-25112022.mp3###### Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice to help with own retirement planning? Thinking about retirement in 2023? How do you go about turning your super into pension income payments? Seek advice if you need help to start your retirement planning.Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment for a confidential discussion about your situation.

Luke will return to talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.

We look forward to your company again and sharing more news about the book that’s coming in 2023!

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 18 November 2022. This week’s topic for discussion is one that we’ll all need to consider at some point – How do you prepare for retirement and what should you consider as part of your pre-retirement planning? Key … Luke on 2CC – How to prepare for retirement – What should you consider? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 11 November 2022. They start the show by talking about a lotto win in China and the new company director registration requirements, the later of which is causing a hassle for many. It’s fair to say it’s been … Luke on 2CC – Gearing and investments – How does it work? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 4 November 2022. They start the show by talking about a review into financial advice that’s happening to make advice more accessible. This week’s topic for discussion however is: Who is on your advice team and what can … Luke on 2CC – Who is on your advice team and what can they do for you? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 28 October 2022. They start the show by talking about ‘World Champagne Day’, it’s apparently a real day. This week’s topic for discussion however is: How and why to use interest only loans? How can they be used … Luke on 2CC – How to use interest only loans to your advantage Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 21 October 2022. They start the show by talking about luxury car tax, a tax that was introduced to protect the Australian car manufacturing. This week’s topic for discussion however is: Rising interest rates and your mortgage. They … Luke on 2CC – Rising interest rates and your mortgage Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 14 October 2022. Leon returns to the studio this week, after having a week off. This week’s topic for discussion is: Market volatility. We’ve seen a bit of volatility in markets recently, how should smart investors react to … Luke on 2CC – Volatility and rising interest rates Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 7 October 2022. Leon’s on holiday this week, but Luke is joined by a guest host. This week’s topic for discussion is: How do I generate income from my investment portfolio? Key topics covered include: Different assets have … Luke on 2CC – Generating income from your investment portfolio Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 30 September 2022. They start the show by talking about the Queensland Government’s decision to drop it’s tax grab for people who own property in Queensland but don’t live their full time. This week’s topic for discussion is: … Luke on 2CC – Are dividends directly tied to share prices? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 23 September 2022. This week’s topic for discussion is: It’s tax time – Why do you need an accountant? Key topics covered include: Who needs an accountant? Rules change all the time – do you keep up-to-date with … Luke on 2CC – Why do you need an accountant? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 16 September 2022. This week’s topic for discussion is: What to think about when buying a property? Key topics covered include: The same kinds of issues tend to apply to a property you want to live in or … Luke on 2CC – Buying a property, what should you consider? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 9 September 2022. This week’s topic for discussion however is: Setting a financial plan – Where do you start? Key topics covered include: Many people are not sure where to start when it comes managing their financial lives. … Luke on 2CC – Setting a financial plan – Where do you start? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 2 September 2022. They start the show however by talking about the Jobs and Skills Summit. It was proposed that pensioners can continue to work without loosing any entitlements, up to an amount of $4000. This however is … Luke on 2CC – Borrowing to invest, is it all tax deductible? Read More »

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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 26 August 2022. This week’s topic for discussion however is: How do things differ between the different types of super contributions? Key topics covered include: The rules change over time in regard to super Do you want to … Luke on 2CC – Super contributions, are they all the same? Read More »

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Thinking about changing your super fund provider? How do you switch super funds? Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 19 August 2022. Leon and Luke start the show by talking about what average annual earnings are right now – $92,000 a year for full … Luke on 2CC – How do you switch super funds? Read More »

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Asset allocation in your super? What it is and how does it help you reach your retirement goals? Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 12 August 2022. We’re into August already – Where has the year gone? Christmas might be with us before we … Luke on 2CC – Asset allocation in super Read More »

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What should you look out for in a home loan in an environment of rising interest rates? Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 5 August 2022. Another interest rate rise has just occurred and many banks have wasted no time in passing those rate … Luke on 2CC – What to look out for in a home loan Read More »

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Higher interest rates? How well are you prepared for the changes ahead? Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 29 July 2022. Interest rates have started to rise from the record low rates, but what does it mean for your monthly budget? This week’s topic: … Luke on 2CC – How to prepare for rising interest rates Read More »

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Life insurance, should you hold it inside or outside of your super? Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 22 July 2022. Those with superannuation will start receiving their superannuation fund statements and something you’re likely to see on your statement is an insurance section, … Luke on 2CC – Life insurance inside a super fund or out? Read More »

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Have you lent your adult kids money to buy a home? Do they have Income Protection Cover? Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 15 July 2022. This week’s topic: How does Income Protection insurance help you and your adult kids protect each other? Key … Luke on 2CC – Income Protection Cover helps your adult kids too Read More »

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Covid 19 and Lending, with our Guest, David Thomas The saying your home is your castle, has probably never been more true. We’ve been bunkering down during Covid-19 which has had a big impact on...

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I want to retire this year, then Covid 19 happened. Can I still retire? Luke Smith joined 2CC Talking Canberra 1206AM. The Money Show aired on Friday 24 April 2020 and the topic: Retirement...

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When money is tight, does it make sense to access your super? Luke Smith joined 2CC Talking Canberra 1206AM. The Money Show aired on Friday 17 April 2020 and the topic: Super and Covid 19. In...

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What are the costs of a self managed super fund? Luke Smith joined 2CC Talking Canberra 1206AM. The Money Show aired on Friday 3 April 2020 and the topic: Costs of a self managed super fund. In...

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What are the benefits of a self managed super fund? Luke Smith joined 2CC Talking Canberra 1206AM. The Money Show aired on Friday 27 March 2020 and the topic: Benefits of a self managed super fund....

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How do you run a self managed super fund? Luke Smith joined 2CC Talking Canberra 1206AM. The Money Show aired on Friday 20 March 2020. Covid-19 Financial discussion In this episode Financial Planner...

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The Strategy Stacker - Luke Talks Money: Recent Episodes

Luke Smith

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Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

This podcast is also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

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