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The non-concessional contributions age limit is generally under 75, with a strict acceptance window ending 28 days after the end of the month in which you turn 75. Since 1 July 2022, you don't need to satisfy the work test…
Margaret and Ron had treated their super as background noise for years. Then, after Ron's heart procedure, the Perth couple sat at the kitchen table and pulled out two decades of insurance and super statements. Their question was simple but…
A transition to retirement (TTR) lets you draw regular income from super once you reach preservation age, currently 60, while continuing to work reduced hours. It acts as a structured bridge between full-time work and full retirement, rather than allowing…
You've worked hard, built up super, paid down some debt and perhaps accumulated investments. Yet as retirement approaches, a basic question can still feel impossible to answer: how much can you spend without running out of money? That uncertainty is…
Separation rarely arrives with a neat financial checklist. One person is trying to find somewhere to live, the other is sorting bills, and both are staring at statements that suddenly carry much more weight than they used to. Then comes…
For 2026–27, the non-concessional contributions cap is $130,000, up from $120,000 in 2025–26 because of AWOTE indexation. That's the maximum after-tax super contribution you can generally make for the year without creating an excess contribution problem. You may be planning…
You're sitting at the kitchen table in Perth, trying to work out whether extra money should go towards the mortgage, superannuation or insurance. Your partner is asking when you'll be able to retire, while you're wondering whether your current investment…
You've finished work, the mortgage is gone, and your super balance looks reassuring on paper. Then the practical questions arrive. How much can you spend this year? Should you start an account-based pension now? What happens to your Age Pension…
You're probably in the same spot I see every week. You log into your super account, see a balance that took decades to build, and ask the question that matters: will this cover the life I want once work stops?…
You're probably feeling this already. Your super balance might still look solid. Your retirement date might still be realistic. But the numbers that once felt comfortably sufficient now look oddly tight when you price groceries, insurance, rates, power, travel and…