Envision Financial

What happens to your super when you pass? You’d think it would be a straightforward process, but sadly it’s not and tax can apply too, if you haven’t used a recontribution strategy for adult kids. And to complicate matters further, not all superfunds operate in the same way, some are better than others in terms of the options and service they offer. Don’t leave your super to chance. In the latest episode of The Strategy Stacker – Luke Talks Money, financial planner Luke Smith takes a deep dive into super, end of life and death benefit pension matters. If you missed the show live last Friday on 2CC, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-what-happens-to-super-when-you-pass/

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores and online.

Luke on 2CC - What happens to super when you pass? Super death benefit pensions. - Envision Financial Planning Canberra Catch-up with the Strategy Stacker - Luke Talks Money podcast. Luke on 2CC - Financial Planner Luke Smith talks about what happens to super when you pass.

Superannuation Mythbusters! There’s lots of talk about super and retirement planning and as a result, there’s a lot of misinformation about what you can and cannot do. Mistakes can be costly. So it pays to listen to an expert on the subject. In the latest episode of The Strategy Stacker – Luke Talks Money, financial planner Luke Smith takes on the role of Chief Mythbuster to set the record straight around some of the errors he hears within his own financial planning business. If you missed the show live last Friday on 2CC, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-superannuation-mythbusters-super-retirement-planning-mistakes-that-can-cost-you

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores and online.

Luke on 2CC - Superannuation MythBusters: Super & Retirement Planning Mistakes That Can Cost You! - Envision Financial Planning Canberra Catch-up with the Strategy Stacker - Luke Talks Money podcast. Luke on 2CC - Financial Planner Luke Smith talks about common retirement myths!

Fixed interest assets aren’t just term deposits, risk still applies. Many people think of fixed interest and presume that they’re all safe. That’s not true. Because these types of investments are less volatile and provide typically lower returns than shares, people pay less attention to them. That doesn’t mean that they should be ignored, they play an important role within your investments, superannuation or retirement portfolio. In the latest episode of The Strategy Stacker – Luke Talks Money, financial planner Luke Smith takes a deep dive into fixed interest. If you missed the show live last Friday on 2CC, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-fixed-interest-and-risk/

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores and online.

Luke on 2CC - Fixed Interest Assets Aren't Just Term Deposits. Risk Still Applies. - Envision Financial Planning Canberra Catch-up with the Strategy Stacker - Luke Talks Money podcast. Luke on 2CC - Financial Planner Luke Smith talks about fixed interest and risk.

What would you do if something happened to one of your adult children and they came to you asking for financial help? Most parents would help their child, even if it was to their own financial detriment. But is there a better way? Yes there is, and it pays to have conversations with your adult children to make sure they’re doing things properly and not putting your own retirement at risk. In the latest episode of The Strategy Stacker – Luke Talks Money, financial planner Luke Smith talks about what to do. If you missed the show live last Friday on 2CC, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-protect-your-children

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores & online.

How does an Exchange Traded Fund work? Are they really a viable alternative to managed funds? For people thinking about investing, either inside or outside of super, or for retirement, ETFs might provide the investment option you’ve been looking for. In the latest episode of The Strategy Stacker – Luke Talks Money, financial planner Luke Smith talks about Exchange Traded Funds for beginners. If you missed the show live last Friday on 2CC, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-investing-in-etfs-australia/

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores & online.

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What is a conservative investor? Your beliefs impact how you invest more than you probably realise. For most people there’s also a need to ensure the return provides what you need and keeps up with inflation. When was the last time you thought about the kind of investor you are? In the latest episode of The Strategy Stacker – Luke Talks Money, financial planner Luke Smith talks about what it means to be a conservative investor. If you missed the show live last Friday on 2CC, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-what-is-a-conservative-investor/

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores and online.

Luke on 2CC - What does it mean to be a conservative investor? - Envision Financial Planning Canberra Catch-up with the Strategy Stacker - Luke Talks Money podcast. Luke on 2CC - What is a conservative investor?

Are you approaching retirement? It pays to know the rules about the Centrelink Income and Assets Tests well before you retire so you can make the most of your financial planning strategies. You may be able to structure your financial life to get a better outcome. In the latest episode of The Strategy Stacker – Luke Talks Money, financial planner Luke Smith breaks down the Income and Assets Tests. If you missed the show live last Friday on 2CC, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-income-and-assets-tests-2026/

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores and online.

Luke on 2CC - Income and Assets Tests 2026. What you need to know! - Envision Financial Planning Canberra Catch-up with the Strategy Stacker - Luke Talks Money podcast. Luke on 2CC - Income and Assets Tests for The Age Pension.

Did you know that you can access money from your super if you’re still working and meet the eligibility criteria? It’s called the transition to retirement strategy! You can use the money from super to help pay off your mortgage, secure a tax deduction or fund part-time instead of full-time work. In the latest episode of The Strategy Stacker – Luke Talks Money, financial planner Luke Smith breaks down transitioning to retirement including the rules on how much you can take each year. If you missed the show live last Friday on 2CC, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-transition-to-retirement/

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores and online.

Luke on 2CC - Transition to retirement to reduce your debt or get a tax deduction! - Envision Financial Planning Canberra Catch-up with the Strategy Stacker - Luke Talks Money podcast. Luke on 2CC - Transition to retirement strategy!

Are you putting your own hard-earned cash into your super? If so, you might be missing out on a MASSIVE tax deduction simply because of one missing piece of paperwork! In the latest episode of The Strategy Stacker – Luke Talks Money, our financial planner Luke Smith breaks down exactly what you need to know about the crucial Notice of Intent form. If you missed the show live, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-notice-of-intent-form/

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores and online.

Luke on 2CC - Notice of Intent Form: The Tax Deduction Trap! - Envision Financial Planning Canberra Catch-up with the Strategy Stacker - Luke Talks Money podcast. Luke on 2CC - Notice of Intent Form: The Tax Deduction Trap!

There are some really practical things you can do from a financial perspective to help you move forward – and it doesn’t have to be rocket science! Our own financial planner Luke Smith joined 2CC last Friday to share some tips around setting priorities for the new financial year. This show will help you kick some goals! If you missed the show live, catch up on the podcast here: https://www.envisionfinancial.com.au/luke-on-2cc-new-financial-year-priorities/

First time advice clients should make an appointment to explore how we can help with your investment, super, retirement plans (including transition to retirement), while taking the time to understand your own goals, situation and strategy options. To make an appointment call us on 02 6260 4749. Luke’s book ‘Smart Money Strategy’ is out now in all good bookstores and online.

Luke on 2CC - New Financial Year Priorities: Luke's Top Tips! - Envision Financial Planning Canberra Catch-up with the Strategy Stacker - Luke Talks Money podcast. New Financial Year Priorities: Set Yours Now With Luke's Tips!