Cedar Wealth - Financial Advisers Perth

20/03/2026

Superannuation beneficiaries and death taxes

· Do you have children that are older than 18 and no longer dependent on you?

· Have you made them the beneficiaries of your super fund if something happens to you?

· Did you know that they could potentially be up for 17% tax on the value of your super fund if you died?

· Want to know more about this?

Contact us below:

https://www.cwmm.com.au/general-connect/
https://www.cwmm.com.au/licensing-and-general-advice-warning/

13/03/2026

Superannuation beneficiaries and death taxes

· Do you have children that are older than 18 and no longer dependent on you?

· Have you made them the beneficiaries of your super fund if something happens to you?

· Did you know that they could potentially be up for 17% tax on the value of your super fund if you died?

· Want to know more about this?

Contact us below:

https://www.cwmm.com.au/general-connect/

https://www.cwmm.com.au/licensing-and-general-advice-warning/

21/02/2026

Superannuation beneficiaries and death taxes

· Do you have children that are older than 18 and no longer dependent on you?

· Have you made them the beneficiaries of your super fund if something happens to you?

· Did you know that they could potentially be up for 17% tax on the value of your super fund if you died?

· Want to know more about this?

Contact us below:

https://www.cwmm.com.au/general-connect/
https://www.cwmm.com.au/licensing-and-general-advice-warning/

26/11/2025

We often get asked about tax effective investment planning, education funding, superannuation fund contributions.

In this brief commentary, we provide some general information – if you would like to know more about these aspects, contact us on the link below.

How would you like to bolster your superannuation when you are close to retirement, but you have maxed out the superannuation concessional contribution caps.
Enter an investment bond.

This structure allows you to take post tax income and invest in what is called an investment bond.
The proceeds are taxed within the structure and the income from the investment is not added to your annual tax return, so there is no extra tax to be paid in your personal capacity.
At maturity the investment is tax free, after 10 years. This is approved by the Australian Tax Office.
For example, you can then contribute to super using the non-concessional rules or you could pay down some debt, take a much longed for holiday, give the kids a leg up in life or other things, depending on what suits your personal situation. There is no prerequisite to use the funds for anything specific.

How would you like to provide for your children's education?

One way is using the same structure mentioned above you can
put away money every month to provide for your children's education or giving them a kick start in life when they have finished school, with the proceeds of the investment being tax free at the time of withdrawal after 10 years.

Have you used the superannuation catch up carry forward contribution rules?

These rules allow you to use the unused contributions over the past five years to contribute into super and claim a tax deduction.
A great way to bolster your superannuation and also claim a tax deduction if you meet all the rules and criteria.
Would you like to know more about different planning options and good tax planning?

Contact us below.
https://www.cwmm.com.au/general-connect/

https://www.cwmm.com.au/licensing-and-general-advice-warning/

26/09/2025

Never ever underestimate having life, disability, critical illness and income protection insurance in place.

Let us tell you a true story about the value of advice.

Sad story, but a true story!

About twelve years ago we put some critical illness insurance (dread disease in the old South African terminology) in place for one of our clients.

Because of a prior health issue, the client was offered two options.

1. An exclusion on that particular condition or,
2. A 100% premium loading.

The client asked me for my advice.

We said that our advice, cost aside, would be to take the premium loading every day of the week!

A number of years the client later contacted us to say that they had been diagnosed with a serious medical condition.

The outcome? The critical illness was covered under the policy, even though it was a sad medical outcome.

Honestly – We have never been so glad to have someone spend money on insurance.

If you feel the need to discuss your situation, we’d be happy to chat to you.

Contact us below.
https://www.cwmm.com.au/general-connect/

https://www.cwmm.com.au/licensing-and-general-advice-warning/

15/08/2025

Have You Insured Your Biggest Asset?

Becoming seriously ill is possibly the worst thing that can happen to a working person – and as you would know from your experience it does happen. Many Australians don’t have any personal income protection insurance.

What is Income Protection Insurance?

Income protection insurance is a practical and inexpensive way to make sure hard-working families are not at risk of quickly sliding into financial strife by providing a monthly benefit if the insured person is injured or sick and can’t work.

A person’s ability to earn a living is often their single greatest asset yet Australians are insuring their cars and houses instead of their incomes.

Income Protection Insurance can often be accessed through a superannuation fund, but this has certain drawbacks and limitations. Or you can consult with a Life Insurance Advisor.

One of the significant benefits of the product is that if it is bought separately to superannuation, it is a tax-deductible cost, which can significantly reduce its impact on the household budget.

Regardless of the cost, the key benefit of income protection is the peace of mind that if a family are unlucky enough to have their primary income earner struck down with a prolonged illness or injury then they should be able to maintain their current lifestyle while that family member is on the long road to recovery.

They know that their insurance is looking after them once any sick leave has been exhausted and there is no more salary available.

A consultation with a Cedar Wealth Life Insurance Advisor can help ensure that your financial and lifestyle goals are properly protected with a risk protection strategy.

Where to from here?

Contact us below.

https://www.cwmm.com.au/general-connect/
https://www.cwmm.com.au/licensing-and-general-advice-warning/

29/07/2025

Have you considered how to maximize your superannuation using the catch up carry forward provisions from the ATO.

Contact us here if this is something you would like to discuss and see if it is appropriate for you.

https://www.cwmm.com.au/contact-us/

https://www.cwmm.com.au/licensing-and-general-advice-warning/

26/07/2025

Have you made the most of the superannuation catch up carry forward provisions and claimed your tax deduction along with it?

Contact us at www.cwmm.com.au to discuss the options of they suit your personal circumstances.

We do this by working with you on your Authentic Wealth Plan, tailored to you and your circumstances, not anyone else’s. This is achieved by developing a strategic wealth plan requiring focus and discipline, to achieve program goals.

02/05/2023

In the lead up to the Federal Budget, better-than-expected inflation figures were cause for optimism that the lengthy run of cash rate hikes have had an impact.

US stocks in April saw the biggest rally that has been experienced for months, as investors looked beyond gloomy economic data.
Local markets were buoyed by the Wall Street rally, as well as welcome signs of inflation easing, with the ASX200 ending the month slightly higher.

Read our thoughts here:

In the lead up to the Federal Budget, better-than-expected inflation figures were cause for... https://eread.com.au/cedar/154459