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More detail on the $1.6m Transfer Balance Cap

By Monica Rule Courtesy of Cuffelinks November 2018 We asked Monica to respond to this comment in response to Noel Whittaker’s article last week: Monica’s comments on the $1.6 million TBC no longer being relevant (provided documentation was done properly as at 30 June 2017) seem incredible. Can this be explained in a bit more…
Colin Lewis

Winding up a SMSF

By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth November 2018 Are you considering winding-up your SMSF? You may now be retired and wish to kick back with your super pension. Life is to be enjoyed and you don’t want the burden of running your own fund. Maybe you’re moving overseas and because of…
Colin Lewis

Caps on and caps off

By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth September 2018 You’ve heard it time and time again – start putting something aside when you’re young and you’ll end up with more at retirement.  Unfortunately, many people only come to realise this or are only in a financial position to do something about it…
Colin Lewis

Super Death Benefits & Children

By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth August 2018 Don’t forget the kids Most people are surprised to learn that superannuation is not an estate asset and is therefore not dealt with via your will, unless you specifically leave it to your legal personal representative – typically the executor of your estate.…
Colin Lewis

Protect your ‘grandfathered’ account-based pension

By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth July 2018 The introduction of the $1.6 million transfer balance cap (TBC) – part of the superannuation reforms that came into effect from 1 July last year – was the catalyst for many people to review their estate plans. The TBC limits the amount you…
Colin Lewis

Managing your SMSF leading up to 30 June

By Colin Lewis May 2018 A self-managed super fund (SMSF) is one type of vehicle to manage your superannuation savings. So, the usual end-of-year super strategies, especially those relating to contributions and managing the contribution caps, apply equally across the spectrum of funds, e.g. public offer (retail) funds, industry funds, corporate funds, SMSFs etc. In…
Colin Lewis

Managing your tax and super leading up to 30 June

By Colin Lewis May 2018 With the end of the financial year fast approaching, it’s time to get your ‘financial house’ in order. There will be many ‘behind the scene’ strategies your adviser will be considering for you, but here are some of the more common year-end strategies they will be looking at. COMMON YEAR-END…

How to preserve estate money in super

By Mark Ellem, Executive Manager, SuperConcepts (on behalf of Cuffelinks) The introduction of the biggest tranche of change in the super rules in a decade will impact the estate plans for many. The changes will affect the amount of a deceased spouse’s super that a surviving spouse can retain in super and the ability to…

How to save money with your Superannuation TPD claim

By Andrew Reynolds A total and permanent disability (TPD) claim enables you to a compensation of a lump sum if you have experienced an illness or injury that inhibits you from returning to work. Though, once a TPD claim has been approved through Superannuation, the vast majority of members withdraw the bulk or their entire…

How super changes impact insurance and estate planning

By Julie Steed, Senior Technical Services Manager, Australian Executor Trustees  (on behalf of Cuffelinks) The introduction of the $1.6 million transfer balance cap, effective from July 1 this year, will impact the estate plans of many superannuation members. This article reviews the role of insurance as part of an SMSF’s investment strategy and the changes that people may…


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