Your Vision Financial Solutions

Scams targeting retirees are becoming more sophisticated. From fake “term deposits” to AI‑generated voices and celebrity endorsements.

If something feels off, take a pause and check before you act.

👉 Read our latest article to learn how to stay protected.
https://www.yourvisionfinancial.com.au/articles/scams-retirees-should-be-on-the-lookout-for

You may have seen recent headlines about the Federal Budget tax reforms now passing Parliament.

These changes include updates to capital gains tax, negative gearing, work-related deductions, small business concessions and SMSF borrowing rules.

While some measures begin from 1 July 2026, many of the larger investment-related changes are due to apply from 1 July 2027. The key point is that not every change applies immediately, and the impact will depend on your personal circumstances.

For investors, business owners and those with SMSFs or trust structures, this is a useful time to understand what is changing and consider whether your current strategy remains appropriate.

As always, the best decisions are made with clarity, not panic.

Read our full article here: https://www.yourvisionfinancial.com.au/articles/key-federal-budget-tax-measures-now-law-what-investors-should-know

Federal Budget Tax Reforms: Key Changes for Investors — Your Vision Financial Solutions Key Federal Budget tax reforms are now law, including CGT changes, negative gearing limits, work-related deductions and SMSF borrowing rules. Learn what may change from 2026 and 2027.

Financial advice isn't just for big decisions - it's for every stage of life. From buying your first home to planning for retirement and beyond, expert guidance helps you stay confident and prepared.

Here's what a financial adviser can support you with:

- Building and growing your wealth
- Planning for a comfortable retirement
- Managing risks along the way
- Preserving your estate for future generations
- Life's milestones deserve smart strategies. Let's make them count.

Read our guide: https://www.yourvisionfinancial.com.au/articles/the-value-of-financial-advice

If you’re working and have taxable income below certain thresholds, making an after‑tax contribution to super could unlock a government contribution of up to $500.

Eligibility depends on income, age and super balance, so it’s worth checking this before EOFY.

Sometimes the smallest contributions can deliver surprising value. Contact us today to learn more.

https://www.yourvisionfinancial.com.au/bookings

The 2026 Federal Budget included proposed changes to the taxation of investments, particularly around Capital Gains Tax (CGT), negative gearing for residential property, & discretionary trusts.

While these measures are still proposals and not yet law, they may have significant implications for investors, retirees, property owners and business owners over time.

Some of the key proposed changes include:

- Replacing the current 50% CGT discount with an indexation-based approach from 1 July 2027
- Introducing a proposed minimum 30% tax rate on certain capital gains
- Restricting negative gearing benefits on some existing residential properties purchased after Budget night
- Changes to the taxation of discretionary trust distributions from 1 July 2028

Importantly, these proposed changes are broader than property alone and may also affect shares, managed funds, trusts and other investment structures depending on individual circumstances.

Periods like these can understandably create uncertainty for investors. However, reacting to headlines without fully understanding how the proposals apply to your personal situation can sometimes lead to rushed or unnecessary financial decisions.

At this stage, no immediate action may be required, but it is a good opportunity to review:

- Investment structures
- Tax efficiency strategies
- Long-term investment plans
- Estate and succession planning considerations

www.yourvisionfinancial.com.au/articles/changes-to-the-taxation-of-investments

For people approaching retirement or holding larger super balances, EOFY can be an important checkpoint. Contribution limits, eligibility rules and upcoming tax changes mean planning ahead is more important than ever.

In some situations, strategies implemented over two financial years can improve long‑term outcomes, but the timing and how they are structured, matter.

Contact us today and let’s review your position together.
Book your complimentary call here > https://www.yourvisionfinancial.com.au/bookings

Will the Budget quietly hurt your retirement plans?

Some of the proposed Budget changes could significantly impact long-term retirement planning strategies.

The proposed changes to Capital Gains Tax may replace the current 50% CGT discount with an indexation approach for individuals from 1 July 2027.

There is also a proposed 30% minimum tax on personal capital gains for many investors outside superannuation from 1 July 2027.

Importantly, superannuation remains largely unchanged under these proposals:
✔ Super funds still receive concessional tax treatment
✔ Pension phase may still provide 0% tax in some cases
✔ The proposed 30% minimum CGT rate does not apply inside super

This is why reviewing your retirement structure early matters.

Not because of fear.

Because strategy matters when rules evolve.

[This advice is general and does not take into account your objectives, financial situation, or needs. You should consider whether the advice is suitable for you and your personal circumstances.]