Vantage Wealth Management Perth

Vantage Wealth Management Perth Vantage is a WA-based privately owned financial advice practice founded on professionalism & service

We're excited to welcome Antonius Belay and Lachlan Godfrey to the Vantage team as interns.Antonius joins us from Curtin...
18/08/2026

We're excited to welcome Antonius Belay and Lachlan Godfrey to the Vantage team as interns.

Antonius joins us from Curtin University as part of his industry placement. During his time with us, he will gain valuable exposure to a broad range of functions across the business, including advice, administration, implementation and client service. This placement provides an opportunity to bridge the gap between study and practice, while developing a deeper understanding of the financial planning profession and the role advisers play in helping clients achieve their goals.

Lachy joins Vantage as an Undergraduate Associate while completing the third year of his Bachelor of Commerce. Working closely with our Associate team, he will provide support across the advice process while developing the technical knowledge, practical skills and client-focused experience needed for a career in financial advice. We look forward to Lachy becoming an integral part of the team as he continues to grow professionally.

At Vantage, we are committed to supporting the next generation of financial planning professionals by providing meaningful opportunities to learn, contribute and gain real-world experience. We believe investing in emerging talent strengthens both our profession and our ability to continue delivering exceptional outcomes for clients.

We're delighted to have Antonius and Lachy on board and look forward to supporting them throughout the next stage of their professional journey.

๐—˜๐—ข๐—™๐—ฌ ๐—ถ๐˜€ ๐—ฑ๐—ฎ๐˜†๐˜€ ๐—ฎ๐˜„๐—ฎ๐˜† - ๐—›๐—ฎ๐˜ƒ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—ฟ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„๐—ฒ๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜€๐˜‚๐—ฝ๐—ฒ๐—ฟ๐—ฎ๐—ป๐—ป๐˜‚๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ถ๐—ฏ๐˜‚๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—ณ๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜†๐—ฒ๐—ฎ๐—ฟ? Before 30 June, it's worth taking ...
24/06/2026

๐—˜๐—ข๐—™๐—ฌ ๐—ถ๐˜€ ๐—ฑ๐—ฎ๐˜†๐˜€ ๐—ฎ๐˜„๐—ฎ๐˜† - ๐—›๐—ฎ๐˜ƒ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—ฟ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„๐—ฒ๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜€๐˜‚๐—ฝ๐—ฒ๐—ฟ๐—ฎ๐—ป๐—ป๐˜‚๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ถ๐—ฏ๐˜‚๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—ณ๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜†๐—ฒ๐—ฎ๐—ฟ?

Before 30 June, it's worth taking a few minutes to consider whether you've made the most of your super contribution opportunities. A few things worth checking:

๐—–๐—ผ๐—ป๐—ฐ๐—ฒ๐˜€๐˜€๐—ถ๐—ผ๐—ป๐—ฎ๐—น ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ถ๐—ฏ๐˜‚๐˜๐—ถ๐—ผ๐—ป๐˜€: Personal contributions where you lodge a Notice of Intent to claim a tax deduction can reduce your taxable income and may even shift your marginal rate. It is also worth checking whether your employer and personal concessional contributions are on track to make the most of the 2025/26 concessional contributions cap of $30,000.

๐—ก๐—ผ๐—ป-๐—ฐ๐—ผ๐—ป๐—ฐ๐—ฒ๐˜€๐˜€๐—ถ๐—ผ๐—ป๐—ฎ๐—น ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ถ๐—ฏ๐˜‚๐˜๐—ถ๐—ผ๐—ป๐˜€: After-tax money into super that grows in a low-tax environment. If eligible, you may be able to contribute up to $120,000 this financial year or bring forward up to three years of contributions for a total of $360,000.

๐—ฆ๐—ฝ๐—ผ๐˜‚๐˜€๐—ฒ ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ถ๐—ฏ๐˜‚๐˜๐—ถ๐—ผ๐—ป๐˜€: If your spouse earns a low income or is not working, making an eligible after-tax contribution to their super may help build their retirement savings and may entitle you to a tax offset of up to $540, subject to eligibility criteria.

๐—–๐—ต๐—ถ๐—น๐—ฑ๐—ฟ๐—ฒ๐—ป'๐˜€ ๐˜€๐˜‚๐—ฝ๐—ฒ๐—ฟ: Money to your kids so they can build their balance early and positioning them for the First Home Super Saver Scheme when the time comes.

๐—Ÿ๐—ถ๐—ณ๐—ฒ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ถ๐—ป๐˜€๐—ถ๐—ฑ๐—ฒ ๐˜€๐˜‚๐—ฝ๐—ฒ๐—ฟ: Contributions can effectively fund premiums in a tax-effective structure, protecting your family at a lower after-tax cost and maintain fund balances.

These aren't set-and-forget decisions - small actions before 30 June can have meaningful, lasting impact.

Curious for more information in regard to contributions? Book an appointment with us by calling (๐Ÿฌ๐Ÿด) ๐Ÿต๐Ÿฎ๐Ÿญ๐Ÿฑ ๐Ÿฑ๐Ÿฌ๐Ÿฌ๐Ÿฌ or by visiting our website at ๐˜ƒ๐—ฎ๐—ป๐˜๐—ฎ๐—ด๐—ฒ๐˜„๐—บ.๐—ฐ๐—ผ๐—บ.๐—ฎ๐˜‚



๐˜—๐˜ญ๐˜ฆ๐˜ข๐˜ด๐˜ฆ ๐˜ฏ๐˜ฐ๐˜ต๐˜ฆ ๐˜ต๐˜ฉ๐˜ช๐˜ด ๐˜ช๐˜ด ๐˜จ๐˜ฆ๐˜ฏ๐˜ฆ๐˜ณ๐˜ข๐˜ญ ๐˜ช๐˜ฏ๐˜ง๐˜ฐ๐˜ณ๐˜ฎ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ฐ๐˜ฏ๐˜ญ๐˜บ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฏ๐˜ฐ๐˜ต ๐˜ฑ๐˜ฆ๐˜ณ๐˜ด๐˜ฐ๐˜ฏ๐˜ข๐˜ญ ๐˜ข๐˜ฅ๐˜ท๐˜ช๐˜ค๐˜ฆ. ๐˜š๐˜ถ๐˜ฑ๐˜ฆ๐˜ณ๐˜ข๐˜ฏ๐˜ฏ๐˜ถ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ต๐˜ข๐˜น ๐˜ณ๐˜ถ๐˜ญ๐˜ฆ๐˜ด ๐˜ข๐˜ณ๐˜ฆ ๐˜ค๐˜ฐ๐˜ฎ๐˜ฑ๐˜ญ๐˜ฆ๐˜น ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ฐ๐˜ถ๐˜ต๐˜ค๐˜ฐ๐˜ฎ๐˜ฆ๐˜ด ๐˜ฅ๐˜ฆ๐˜ฑ๐˜ฆ๐˜ฏ๐˜ฅ๐˜ช๐˜ฏ๐˜จ ๐˜ฐ๐˜ฏ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ช๐˜ฏ๐˜ฅ๐˜ช๐˜ท๐˜ช๐˜ฅ๐˜ถ๐˜ข๐˜ญ ๐˜ค๐˜ช๐˜ณ๐˜ค๐˜ถ๐˜ฎ๐˜ด๐˜ต๐˜ข๐˜ฏ๐˜ค๐˜ฆ๐˜ด. ๐˜—๐˜ญ๐˜ฆ๐˜ข๐˜ด๐˜ฆ ๐˜ด๐˜ฑ๐˜ฆ๐˜ข๐˜ฌ ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ข ๐˜ฒ๐˜ถ๐˜ข๐˜ญ๐˜ช๐˜ง๐˜ช๐˜ฆ๐˜ฅ ๐˜ข๐˜ฅ๐˜ท๐˜ช๐˜ด๐˜ฆ๐˜ณ ๐˜ฃ๐˜ฆ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ ๐˜ข๐˜ค๐˜ต๐˜ช๐˜ฏ๐˜จ. ๐˜ค๐˜ช๐˜ณ๐˜ค๐˜ถ๐˜ฎ๐˜ด๐˜ต๐˜ข๐˜ฏ๐˜ค๐˜ฆ๐˜ด. ๐˜—๐˜ญ๐˜ฆ๐˜ข๐˜ด๐˜ฆ ๐˜ด๐˜ฑ๐˜ฆ๐˜ข๐˜ฌ ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ข ๐˜ฒ๐˜ถ๐˜ข๐˜ญ๐˜ช๐˜ง๐˜ช๐˜ฆ๐˜ฅ ๐˜ข๐˜ฅ๐˜ท๐˜ช๐˜ด๐˜ฆ๐˜ณ ๐˜ฃ๐˜ฆ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ ๐˜ข๐˜ค๐˜ต๐˜ช๐˜ฏ๐˜จ.

A great day out of the office last Friday for the Vantage Wealth Management team, taking part in the Zoomazing Race at P...
03/06/2026

A great day out of the office last Friday for the Vantage Wealth Management team, taking part in the Zoomazing Race at Perth Zoo.

From navigating clues through the zoo to working through challenges under time pressure, it was a fun way to put our teamwork and communication skills to the test. Highly recommended to any businesses out there looking to support their teams and have a good time together.

At Vantage, we place a strong emphasis on building high-performing teams. Strong teams deliver better outcomes for our clients, and days like this help strengthen the way we work together.

A big thank you to Perth Zoo for hosting such a well-run event.

We are proud of our Vantage team who recently took part in the Walk for Womenโ€™s Cancer on 2 May 2026. A special mention ...
08/05/2026

We are proud of our Vantage team who recently took part in the Walk for Womenโ€™s Cancer on 2 May 2026.

A special mention to Ruth, Rob, Ben and Jo, who completed the 14km walk in support of an incredibly important cause, raising funds for life-saving research into womenโ€™s cancers.

Events like this are a powerful reminder that meaningful change comes from collective action. Every step taken and every dollar raised contributes to improving outcomes for women in our community.

At Vantage, we are committed to giving back to the community we are proud to be a part of.

Letโ€™s keep moving towards a cancer-free future, together.

๐—ง๐—ฎ๐˜… ๐—”๐—ฑ๐˜ƒ๐—ฎ๐—ป๐˜๐—ฎ๐—ด๐—ฒ๐—ฑ ๐—ฆ๐˜‚๐—ฝ๐—ฒ๐—ฟ ๐— ๐—ฎ๐˜…๐—ถ๐—บ๐˜‚๐—บ๐˜€ ๐—›๐—ฎ๐˜ƒ๐—ฒ ๐—–๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ โ€” ๐—œ๐˜€ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ฃ๐—น๐—ฎ๐—ป ๐—ฆ๐˜๐—ถ๐—น๐—น ๐—ผ๐—ป ๐—ง๐—ฟ๐—ฎ๐—ฐ๐—ธ?Retirement planning isnโ€™t about reac...
01/05/2026

๐—ง๐—ฎ๐˜… ๐—”๐—ฑ๐˜ƒ๐—ฎ๐—ป๐˜๐—ฎ๐—ด๐—ฒ๐—ฑ ๐—ฆ๐˜‚๐—ฝ๐—ฒ๐—ฟ ๐— ๐—ฎ๐˜…๐—ถ๐—บ๐˜‚๐—บ๐˜€ ๐—›๐—ฎ๐˜ƒ๐—ฒ ๐—–๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ โ€” ๐—œ๐˜€ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ฃ๐—น๐—ฎ๐—ป ๐—ฆ๐˜๐—ถ๐—น๐—น ๐—ผ๐—ป ๐—ง๐—ฟ๐—ฎ๐—ฐ๐—ธ?

Retirement planning isnโ€™t about reacting to change, itโ€™s about staying aligned as the rules evolve.

With super caps increasing from July 2026, nowโ€™s a good time to sense check whether your strategy still fits todayโ€™s landscape. We explore this further with our latest Article.

Read the full article here: https://vantagewm.com.au/insights/tax-advantaged-super-maximums-have-changed-is-your-retirement-plan-still-on-track

Curious about Retirement Planning? Book an appointment with us by calling (๐Ÿฌ๐Ÿด) ๐Ÿต๐Ÿฎ๐Ÿญ๐Ÿฑ ๐Ÿฑ๐Ÿฌ๐Ÿฌ๐Ÿฌ or by visiting our website at ๐˜ƒ๐—ฎ๐—ป๐˜๐—ฎ๐—ด๐—ฒ๐˜„๐—บ.๐—ฐ๐—ผ๐—บ.๐—ฎ๐˜‚

If anyone tries to suggest that today's younger generation has a sense of entitlement or looks for the easy path, we'd a...
10/12/2025

If anyone tries to suggest that today's younger generation has a sense of entitlement or looks for the easy path, we'd absolutely refute that based on what we see from our team.

Case in point: congratulations to Sylvia who just completed her Bachelor of Commerce degree. Over the past six months, she took on a 5-unit semester load - an overload beyond the standard 4 units - while working with us at Vantage and still picking up weekend shifts at a local cafe when they were short-staffed. Through it all, she showed up consistently, contributed thoughtfully, and never let the pressure show.

The dedication, resilience and work ethic we see from Sylvia and our other younger team members is genuinely inspiring. They're juggling multiple commitments, investing in their development, and doing it with humility and professionalism.

We're thrilled that Sylvia has accepted a full-time Graduate Associate position with us. Her studies are behind her... for now!... but the qualities she demonstrated throughout - commitment, capability and character - are exactly what we value at Vantage.

Well done Sylvia, and enjoy some well-earned rest over the Christmas break.

Amazing few days for some of our team at the FAAA National Conference in Perth last week. A few takeaways...๐—ฃ๐—ฟ๐—ผ๐—ฑ๐˜‚๐—ฐ๐˜๐—ถ๐˜ƒ๐—ถ๐˜๐˜†...
24/11/2025

Amazing few days for some of our team at the FAAA National Conference in Perth last week. A few takeaways...

๐—ฃ๐—ฟ๐—ผ๐—ฑ๐˜‚๐—ฐ๐˜๐—ถ๐˜ƒ๐—ถ๐˜๐˜†... we all have ambition to reduce the friction clients, advisers, administrators and institutions experience in getting advice done... how can we be applying AI to simplify and speed up the delivery and implementation of advice while still making sure humans come first.

๐—ฃ๐—ฒ๐—ผ๐—ฝ๐—น๐—ฒ... how do we improve awareness amongst smart, passionate younger people that there is a hugely rewarding future for them in the wealth management space.

๐—ฅ๐—ฒ๐—ด๐˜‚๐—น๐—ฎ๐˜๐—ผ๐—ฟ๐˜€... how can we get politicians and regulators to understand it is not through more regulatory policies, but rather more effective supervision by them, auditors and responsible entities to prevent 'bad players' from getting started and causing the chaos they do.

๐—ง๐—ฒ๐—ฐ๐—ต๐—ป๐—ผ๐—น๐—ผ๐—ด๐˜†... A general feeling that most progressive firms have made significant investment into tech to de-risk and enhance client outcomes... the proof will now be in the productivity pudding.

๐—š๐—ฟ๐—ผ๐˜„๐˜๐—ต... while population growth, regulatory hurdles and growing financial market complexities provide a supportive backdrop to drive demand for advice, the growth opportunities can't be captured without committed succession plans, corporatised service frameworks and a full embrace of integrated tech solutions.

So much to digest but so exciting to move forward and learn with the country's best to continue expanding our client focused advice solution.

Understanding West State Super is essential for WA public sector employees. Its unique rules around tax, rollovers, and ...
20/11/2025

Understanding West State Super is essential for WA public sector employees. Its unique rules around tax, rollovers, and estate planning mean the right advice can make a real difference to your retirement outcome.

We've published a new article that breaks down how West State works, how to maximise your contributions, and tips for strategic estate planning intended for anyone with a West State account and for those supporting them.

Read the full article here: https://vantagewm.com.au/news/understanding-west-state-super-what-it-is-how-it-works-why-good-advice-matters/

Curious about making the most of your West State Super? Book an appointment with us by calling (๐Ÿฌ๐Ÿด) ๐Ÿต๐Ÿฎ๐Ÿญ๐Ÿฑ ๐Ÿฑ๐Ÿฌ๐Ÿฌ๐Ÿฌ or by visiting our website at ๐˜ƒ๐—ฎ๐—ป๐˜๐—ฎ๐—ด๐—ฒ๐˜„๐—บ.๐—ฐ๐—ผ๐—บ.๐—ฎ๐˜‚

๐—ฃ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—”๐—ต๐—ฒ๐—ฎ๐—ฑ: ๐—›๐—ผ๐˜„ ๐— ๐˜‚๐—ฐ๐—ต ๐——๐—ผ ๐—œ ๐—ก๐—ฒ๐—ฒ๐—ฑ ๐˜๐—ผ ๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ?Itโ€™s one of the most common questions we get asked daily, and the most pers...
05/11/2025

๐—ฃ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—”๐—ต๐—ฒ๐—ฎ๐—ฑ: ๐—›๐—ผ๐˜„ ๐— ๐˜‚๐—ฐ๐—ต ๐——๐—ผ ๐—œ ๐—ก๐—ฒ๐—ฒ๐—ฑ ๐˜๐—ผ ๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ?

Itโ€™s one of the most common questions we get asked daily, and the most personal question out there.

The ASFA Retirement Standard June 2025 offers a benchmark to help Australians plan for life after work. But the answer isnโ€™t one-size-fits-all.

Hereโ€™s what the Standard suggests:

โ€ข ๐—–๐—ผ๐—บ๐—ณ๐—ผ๐—ฟ๐˜๐—ฎ๐—ฏ๐—น๐—ฒ ๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜: $75,319/year for couples, $53,289/year for singles

โ€ข ๐—ฆ๐˜‚๐—ฝ๐—ฒ๐—ฟ ๐—•๐—ฎ๐—น๐—ฎ๐—ป๐—ฐ๐—ฒ๐˜€ ๐—ก๐—ฒ๐—ฒ๐—ฑ๐—ฒ๐—ฑ ๐—ฎ๐˜ ๐—”๐—ด๐—ฒ ๐Ÿฒ๐Ÿณ: $690,000 for couples, $595,000 for singles

But everyoneโ€™s life is different. Your health, housing, lifestyle, and family goals all shape what retirement looks like for you.

Thatโ€™s why ๐—ณ๐—ผ๐—ฟ๐˜„๐—ฎ๐—ฟ๐—ฑ ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ฎ๐—ป๐—ฑ ๐˜๐—ฎ๐—ถ๐—น๐—ผ๐—ฟ๐—ฒ๐—ฑ ๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐—ถ๐—ฒ๐˜€ are essential. With the right advice, you can:

โ€ข ๐—–๐—น๐—ฎ๐—ฟ๐—ถ๐—ณ๐˜† ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—š๐—ผ๐—ฎ๐—น๐˜€: Understand what lifestyle you want such as when you want to retire and what it will cost.

โ€ข ๐— ๐—ฎ๐˜…๐—ถ๐—บ๐—ถ๐˜€๐—ฒ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—–๐—ผ๐—ป๐˜๐—ฟ๐—ถ๐—ฏ๐˜‚๐˜๐—ถ๐—ผ๐—ป๐˜€: Use concessional and non-concessional strategies to build your balance.

โ€ข ๐— ๐—ฎ๐˜…๐—ถ๐—บ๐—ถ๐˜€๐—ฒ ๐˜๐—ต๐—ฒ ๐—ฎ๐—ด๐—ฒ ๐—ฝ๐—ฒ๐—ป๐˜€๐—ถ๐—ผ๐—ป: Based on your circumstances, there may be strategies available to receive more age pension.

โ€ข ๐—”๐—ฑ๐—ฎ๐—ฝ๐˜ ๐˜๐—ผ ๐—Ÿ๐—ถ๐—ณ๐—ฒโ€™๐˜€ ๐—–๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐˜€: Adjust your plan as your circumstances evolve, such as unexpected windfalls of expenses.

โ€ข ๐—˜๐—ป๐—ต๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ฃ๐—ผ๐˜€๐—ถ๐˜๐—ถ๐—ผ๐—ป: Make informed decisions that improve your financial security as retirement approaches.

Retirement isnโ€™t just about reaching a number, itโ€™s about creating a future that reflects your values and aspirations.

If youโ€™re wondering what your retirement journey could look like, letโ€™s start the conversation.

๐—ฃ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—”๐—ต๐—ฒ๐—ฎ๐—ฑ: ๐—ง๐—ต๐—ฒ ๐—ฆ๐˜‚๐—ฝ๐—ฒ๐—ฟ ๐—ช๐—ถ๐˜๐—ต๐—ฑ๐—ฟ๐—ฎ๐˜„๐—ฎ๐—น ๐—ฎ๐—ป๐—ฑ ๐—ฅ๐—ฒ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ถ๐—ฏ๐˜‚๐˜๐—ถ๐—ผ๐—ป ๐—ฆ๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐˜†There are two certainties in life; death and taxes. But ...
22/10/2025

๐—ฃ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—”๐—ต๐—ฒ๐—ฎ๐—ฑ: ๐—ง๐—ต๐—ฒ ๐—ฆ๐˜‚๐—ฝ๐—ฒ๐—ฟ ๐—ช๐—ถ๐˜๐—ต๐—ฑ๐—ฟ๐—ฎ๐˜„๐—ฎ๐—น ๐—ฎ๐—ป๐—ฑ ๐—ฅ๐—ฒ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ถ๐—ฏ๐˜‚๐˜๐—ถ๐—ผ๐—ป ๐—ฆ๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐˜†

There are two certainties in life; death and taxes. But a bit of effective planning can make both a little easier to face.

One lesser-known but powerful estate planning tool is the ๐™จ๐™ช๐™ฅ๐™š๐™ง๐™–๐™ฃ๐™ฃ๐™ช๐™–๐™ฉ๐™ž๐™ค๐™ฃ ๐™ฌ๐™ž๐™ฉ๐™๐™™๐™ง๐™–๐™ฌ๐™–๐™ก ๐™–๐™ฃ๐™™ ๐™ง๐™š๐™˜๐™ค๐™ฃ๐™ฉ๐™ง๐™ž๐™—๐™ช๐™ฉ๐™ž๐™ค๐™ฃ ๐™จ๐™ฉ๐™ง๐™–๐™ฉ๐™š๐™œ๐™ฎ.

This approach can help reduce the potential tax paid on superannuation death benefits, ensuring more of your wealth is passed on to your loved ones.

When structured correctly, this strategy allows you to:

โ€ข ๐—ฅ๐—ฒ๐—ฑ๐˜‚๐—ฐ๐—ฒ โ€˜๐——๐—ฒ๐—ฎ๐˜๐—ต ๐—ง๐—ฎ๐˜…๐—ฒ๐˜€โ€™: By withdrawing and then re-contributing funds to super as a non-concessional contribution, you may convert taxable components into tax-free ones, potentially lowering the tax burden for non-dependent beneficiaries.

โ€ข ๐—˜๐—ป๐—ต๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—˜๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—ฃ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—™๐—น๐—ฒ๐˜…๐—ถ๐—ฏ๐—ถ๐—น๐—ถ๐˜๐˜†: Adjusting the mix of taxable and tax-free components within your fund can help ensure a more tax-efficient distribution of your super balance.

โ€ข ๐— ๐—ฎ๐˜…๐—ถ๐—บ๐—ถ๐˜€๐—ฒ ๐—™๐˜‚๐˜๐˜‚๐—ฟ๐—ฒ ๐—ข๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜๐˜‚๐—ป๐—ถ๐˜๐—ถ๐—ฒ๐˜€: For eligible individuals, the recontribution may also allow for continued investment growth within the tax-advantaged super environment.

โ€ข ๐—ฆ๐˜๐—ฎ๐˜† ๐—–๐—ผ๐—บ๐—ฝ๐—น๐—ถ๐—ฎ๐—ป๐˜: As with all strategies, contribution caps, age limits, and eligibility criteria apply - professional advice is essential to ensure compliance and effectiveness.

While none of us can escape death or taxes, thoughtful planning can reduce the impact of both - protecting the legacy youโ€™ve worked hard to build.

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