Maximise your take-home pay and pension by using salary sacrifice

7 March

Not everyone is aware of the positive impact of salary sacrifice plans on pensions — which is precisely why a lot of employees in the United Kingdom may be overlooking this pension tax benefit.   Salary sacrificing is a tax-efficient...[Read More]

To gift or not to gift? What about your pension?

16 January

With Australia’s age pension being subject to an assets and income test, giving away some assets is often viewed as a simple way for part-pensioners, or individuals who do not qualify for age pension(due to excessive assets), to increase or...[Read More]

Preparing for retirement today

14 December

To prepare for retirement, there are forced savings such as superannuation. Other options to arrange for a secure financial future are savings in the bank, investments and insurance just to name a few.   These days, preparing for...[Read More]

How does Australia’s pension system stack up?

10 October

Worldwide we are living longer, and population ageing is picking up pace. In 2020 the number of people aged 60 and older outnumbered children under 5 years. In 2022 around one in 10 people were aged 65 or older. This is expected to reach one in six...[Read More]

The positive impact of salary sacrifice plans on pensions

7 September

Not everyone is aware of the positive impact of salary sacrifice plans on pensions — which is precisely why a lot of employees in the United Kingdom may be overlooking this pension tax benefit. Salary sacrificing is a tax-efficient approach to...[Read More]

Unlocking the Potential of Aged Pension and Superannuation Benefits

12 September

The Australian Aged Pension scheme provides a wonderful safety net for those with limited assets in retirement, although many remain confused by how their age pension entitlements differ from so-called superannuation income streams. The Federal...[Read More]

Super strategies

5 September

The recent release of the 2023 Intergenerational Report by Treasury demonstrates superannuation will play a key role in reducing reliance on the Age Pension and supporting the economy. The report anticipates that mandatory superannuation will lead...[Read More]

Complications executors may face

16 March

Being appointed as the executor of an estate is a significant responsibility that requires careful consideration. While it may be an honour to be entrusted with this important role by a loved one, the reality is that estates can be quite...[Read More]

5 Ways to Live Your Best Life After Retirement

25 January

Have you ever thought about life after retirement? If you have, you most likely think about the best things in life: a happy family, good health and wealth. The only way to make this dream retirement a reality is to have the right retirement...[Read More]

What does retirement look like in today’s modern world?

15 December

To prepare for retirement, there are forced savings such as superannuation. Other options to arrange for a secure financial future are savings in the bank, investments and insurance just to name a few. These days, preparing for retirement has...[Read More]

You do not get your State Pension automatically – you have to claim it

13 October

How it works You do not get your State Pension automatically - you have to claim it. You should get a letter no later than 2 months before you reach State Pension age, telling you what to do. You can either claim your State Pension or...[Read More]

Salary sacrifice to maximise your take-home pay and pension

6 October

Not everyone is aware of the positive impact of salary sacrifice plans on pensions — which is precisely why a lot of employees in the United Kingdom may be overlooking this pension tax benefit. Salary sacrificing is a tax-efficient approach to...[Read More]

Salary sacrifice for employers

15 September

A salary sacrifice arrangement is an agreement to reduce an employee’s entitlement to cash pay, usually in return for a non-cash benefit. As an employer, you can set up a salary sacrifice arrangement by changing the terms of your employee’s...[Read More]

Future-proof your family finances: 3 essential tips

8 September

If there’s anything people learned from the recessions and global crises of recent past, it’s that no one is immune to economic upheavals. Even middle to upper-class families are at the mercy of their finances when misfortune strikes. This...[Read More]

Pensions bumped up as living costs climb

7 September

More than 4.7 million Australians struggling to cope with cost of living pressures are in line for a helping hand. An indexation increase on September 20 will be the largest rise for welfare payments in more than 30 years and the biggest for...[Read More]