Radiance Wealth

07/07/2026

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

07/07/2026

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

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

29/06/2026

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

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

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

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

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

17/06/2026

"Most taxes are triggered by something that actually happens. You sell an asset. You receive income. Division 296 is different."

The Division 296 tax is calculated on the notional increase in your super balance over the financial year — including the increase in the value of assets you still hold and haven’t sold.

For most people in large APRA-regulated funds, this is manageable. The fund holds liquid assets and can meet the tax liability from its cash holdings.

But for SMSF trustees with property or unlisted investments inside the fund, it creates a genuine planning question: where does the money come from to pay the tax on a gain you haven’t crystallised?

The answer might be paying from personal funds outside super. It might be selling liquid assets inside the fund. It might be electing to have the ATO debit the super account directly. None of these options are catastrophic — but all of them require advance planning.

If you hold illiquid assets inside an SMSF above the $3 million threshold, this is worth modelling before 30 June — not after.

Ravi covers the full picture in his new article. Link below.

Link in caption / bio → https://loom.ly/ZEZezlw

— Sunny

15/06/2026

The $3 million super cap: 4 things to do right now.

A lot of the coverage around Division 296 has focused on the tax itself. Less has focused on the practical response. Here’s what Ravi Moolchandani from Radiance Wealth recommends.

➡️ Check your balance — and your partner’s. If your individual balance is approaching $2.5 million, Division 296 is relevant to you. Log into your fund and get a current figure. For SMSF members, check your most recent audited financial statements.

➡️ If you hold property or unlisted assets in an SMSF, model your unrealised gains exposure before 30 June. The Division 296 calculation includes the paper increase in asset values — not just realised income. This needs to be modelled in advance, not calculated at tax time.

➡️ Do not make reactive decisions. Withdrawing from super, collapsing an SMSF, or making large contributions in response to proposed legislation carries its own risks. Model first. Act after.

➡️ Have the planning conversation early. For couples with uneven balances, the rebalancing opportunity works best with lead time. The earlier the conversation, the more options are available.

Full article with the complete picture → https://loom.ly/ZEZezlw

03/06/2026

"A lot of people think TTR is just for people who are about to retire. It’s not."

A Transition to Retirement income stream is available from age 60 — which for many of the people I speak with means they’ve had access to it for several years without knowing.

The people who benefit most from TTR are often those with three to five years until retirement, not three to five months. Here’s why: the tax savings on salary sacrifice contributions compound over time. The longer you run the strategy, the more it adds up.

For someone in the 39% tax bracket (including Medicare) salary sacrificing to the $30,000 concessional cap, the saving versus paying full marginal rate runs to roughly $7,200 a year. Over five years, that’s $36,000 — before investment returns on the extra super.

That’s not nothing. And most people eligible for this strategy aren’t using it.

Ravi’s new article covers both ways TTR works — the lifestyle version (reduce hours, maintain income) and the tax version (same hours, more into super). Link below.

Link in caption / bio → https://loom.ly/5-8oGWM

— Sunny

03/06/2026

Work 4 days a week. Take home the same pay.

For Australians who have reached age 60 and are still in the workforce, this isn’t wishful thinking. It’s a strategy.

A Transition to Retirement (TTR) income stream lets you draw from your super while you’re still employed. Drop from 5 days to 4, and the income shortfall is covered by a regular payment from your own super balance.

The tax treatment from age 60 makes it even more attractive. TTR income drawn from your super at this stage is generally received tax-free or close to it — meaning your total take-home often stays the same or improves, even on reduced hours.

For a lot of people in their early 60s, one less working day per week is worth more than any pay rise. More time with family. Less physical and mental load. A gradual wind-down that doesn’t feel like a cliff edge.

Ravi covers the mechanics — and who this actually works for — in his new article.

Read the full guide → https://loom.ly/5-8oGWM

27/05/2026

You can’t sell 10% of your investment property.

It sounds obvious when you say it out loud. But it’s one of the most underappreciated risks of holding property as your primary retirement asset.

If you need $80,000 for a health event, a family emergency, or to help a child with a deposit, you have two options: sell the whole property — with all the costs, timing risk, and tax implications that involves — or don’t sell at all.

An account-based pension, by contrast, lets you draw exactly what you need. Dial it up in years when you want to spend more. Dial it back when you don’t. And unlike property, you’re not at the mercy of the Melbourne market when you need to access your money.

This is the liquidity argument for super — and it’s one Ravi covers in his new breakdown of super vs investment property for retirement.

Full article → https://loom.ly/yQwSwbA

25/05/2026

Super or investment property — which builds a better retirement?

It’s the most debated question in Australian personal finance. And in Melbourne especially, where property feels almost cultural, most people have already made up their mind.

But the honest answer is more nuanced than most people realise. Super wins on tax efficiency at almost every point — 15% on earnings in accumulation, 0% in pension phase, no stamp duty, no land tax. Property offers leverage and capital growth — but rental income is taxed at your marginal rate, and the net yield on Melbourne residential property is often lower than people assume.

There’s also the Age Pension interaction. Your family home is exempt from the assets test. Your investment property isn’t — and it’s assessed at full market value.

Ravi Moolchandani from Radiance Wealth has written a detailed, genuinely balanced breakdown of both sides — including a tax comparison table and what the right answer typically looks like for Melbourne pre-retirees.

Full article ➡️ https://loom.ly/yQwSwbA

20/05/2026

"We'll just downsize."

It's one of the most common retirement plans I hear — and it's not wrong, exactly. Melbourne homeowners often have genuine, substantial wealth tied up in their family home.

But there are rules. The downsizer contribution (up to $300,000 per person into super, outside the normal caps) must be made within 90 days of settlement. Miss that window, and you miss the opportunity.

There are also Age Pension implications. The family home is exempt from the assets test while you live in it — but once you sell and the proceeds move into super or other investments, that exemption disappears.

Ravi covers this — and six other common mistakes — in his new article. Well worth a read if retirement is on your horizon ➡️ https://loom.ly/hz2oEGY

— Sunny