The latest Age Pension changes are coming into effect on 20 September 2026, with increases to the maximum Age Pension payments, income and asset test cut-off thresholds and deeming rates. These changes are part of the regular indexation of the Age Pension, which occurs twice a year to help payments and thresholds keep pace with… Continue reading Age Pension Changes from 20 September 2026
David McCrorie, CFP®
SMSF LRBAs to Exclude Residential Property
Legislation to ban new Limited Recourse Borrowing Arrangements (LRBAs) for residential property inside SMSFs has now passed both Houses of Parliament and is awaiting Royal Assent before becoming law. The change has generated significant discussion across the property, superannuation and financial decisions. While some see the change as helping improve housing affordability and reducing investment… Continue reading SMSF LRBAs to Exclude Residential Property
Is It Better to Invest in Super or Property?
Superannuation and property are two of the most popular ways Australians build wealth for the future. Because both can play such an important role in a long-term financial strategy, deciding whether it is better to invest in super or property can be challenging, particularly when both options offer unique benefits and can contribute to long-term… Continue reading Is It Better to Invest in Super or Property?
Super Contribution Cap Changes From 1 July 2026
From 1 July 2026, Australians will see some important changes to super contribution caps, creating new opportunities to grow retirement wealth in a tax-effective environment. For many investors, business owners, professionals, and pre-retirees, these changes could mean the ability to contribute more into super, reduce taxable income, and accelerate long-term wealth creation. But while the changes sound simple… Continue reading Super Contribution Cap Changes From 1 July 2026
Tax When Selling Investment Property and Retirement
Updated 07 October 2026 When people start looking into tax when selling investment property, it’s common to feel like you’re getting bits and pieces of information, but nothing that clearly shows how it all applies to you. Because the reality is, no two situations are the same. For many Australians in their 50s and 60s,… Continue reading Tax When Selling Investment Property and Retirement
Age Pension Changes: Key Updates Explained
Updated on 03 July 2026 The latest Age Pension changes came into effect on 20 March 2026, bringing updates to payment rates, income limits and asset thresholds. From 1 July 2026, the income and asset test thresholds increased again as part of the regular indexation process, while payment rates remained unchanged. While the increases may… Continue reading Age Pension Changes: Key Updates Explained
Transfer Balance Cap Increase to $2 Million
The Transfer Balance Cap (TBC) increase is set to take effect from 1 July 2025, raising the cap from $1.9 million to $2 million. While that may seem like a yearly adjustment, the change carries meaningful implications for how much of your super can grow tax-free, and how you plan your retirement, estate, and contribution… Continue reading Transfer Balance Cap Increase to $2 Million
Key Benefits of SMSF Estate Planning
When people think about estate planning, their minds often go straight to Wills and property distribution. But if you have a Self-Managed Super Fund (SMSF), there’s an important piece of the puzzle that’s easy to miss: SMSF estate planning. It’s not just about who gets what, it’s about ensuring your legacy is protected, tax-effective, and… Continue reading Key Benefits of SMSF Estate Planning
How Does a Family Trust Work? Key Things to Know
Imagine you’ve worked hard all your life, built up a solid nest egg, and now you want to ensure your wealth benefits your loved ones, not just today, but for generations to come. Or maybe you are already at this point! Whether your goal is to safeguard assets from unexpected financial risks, provide financial security… Continue reading How Does a Family Trust Work? Key Things to Know
Is SMSF Borrowing Through an LRBA Right for You?
Updated on 30 June 2026 Recently we’ve received enquiries from clients interested in setting up an SMSF for the purpose of purchasing a property within the fund. SMSF borrowings have proven to be a popular wealth accumulation strategy since their introduction in 2008, with many SMSFs acquiring both commercial and residential properties as part of… Continue reading Is SMSF Borrowing Through an LRBA Right for You?
