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Resources

Guides & Resources

Practical information to help you better understand your financial options.

Explore our collection of guides covering superannuation, investing, tax and wealth strategies. Each provides clear, practical information to help you understand the opportunities, rules and considerations that may apply to you.

Carry-Forward Contributions

Make use of unused super contribution caps from previous years.

Learn how carry-forward contributions can allow you to make larger before-tax super contributions, particularly in a higher-income year or following a significant financial event.

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Division 293

Understanding the additional super tax for higher income earners.

A straightforward guide to how Division 293 works, when the additional tax may apply and what higher income earners should consider when planning their super contributions.

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Division 296

What the new tax on large super balances could mean for you.

Understand how Division 296 applies to super balances above $3 million, including the thresholds, how earnings are treated and some of the planning considerations for those affected.

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Downsizer Contributions

Turn part of the sale of your home into retirement savings.
If you’re 55 or older, the downsizer rules may allow you to contribute up to $300,000 from the sale of an eligible home into super, outside the usual contribution caps.
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Government Super Co-contribution

A simple way to give your super an extra boost.

Find out how eligible low and middle income earners may receive a government co-contribution of up to $500 by making personal after-tax contributions to super.
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Investment Bonds

A tax-effective option for building and transferring wealth.
Explore how investment bonds work, their potential tax advantages and how they can be used as part of a longer-term investment, estate planning or intergenerational wealth strategy.
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Personal Deductible Contributions

Top up your super and potentially claim a tax deduction.
Learn how making a personal contribution to super and claiming a tax deduction can provide another flexible way to build your retirement savings while managing tax.
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Salary Sacrifice into Super

Put more of your pre-tax income to work for your retirement.
Understand how salary sacrifice works, the potential tax benefits and the contribution caps and other considerations to keep in mind when directing part of your salary into super.
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Spouse Contributions

Help grow your partner’s super while potentially reducing your tax.
Learn how contributing to a lower-income partner’s super can help balance retirement savings between couples and may provide a tax offset of up to $540.
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CGT Changes from 1 July 2027

What has changed, what hasn’t, and what you may need to prepare for.
Our client briefing explains the capital gains tax changes commencing 1 July 2027, including the treatment of existing gains, valuation requirements and important considerations for property, trusts, estates and other investments.
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Your Business and the 2027 Capital Gains Changes

What the new CGT rules mean for business owners.

A practical guide to the 2027 capital gains tax changes, including how the small business CGT concessions work, what changes from 1 July 2027 and why establishing the value of your business at 30 June 2027 may be important.

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First Home Super Saver Scheme

Use your super to help build your first home deposit sooner.

Learn how the First Home Super Saver Scheme allows eligible first home buyers to make voluntary contributions through super and later release eligible amounts and associated earnings towards buying or building their first home.

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Need more clarity?

Not sure what applies to you?

These guides provide general information, but the right strategy depends on your circumstances, goals and wider financial plan. Speak with our team to understand what could work for you.

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