Wealth Planning Solutions Pty. Ltd.

Defined benefit pension

Factsheet:https://wealthps.com.au/wp-content/uploads/2026/08/What-is-a-term-allocated-pension-TAP.pdf

A defined benefit pension offers guaranteed retirement income — no market risk, no guesswork. Your payments are based on a formula considering your salary and years of service and may even support your spouse through a reversionary benefit. However, there are Pros and Cons. Make sure you understand the tax, social security, and estate implications.

Learn more in our guide.

Boost your super with a downsizer contribution

Fact Sheet:https://wealthps.com.au/wp-content/uploads/2026/08/What-is-a-downsizer-contribution.pdf

If you're 55+, you could add up to $300,000 from the sale of your home into your super — tax effectively and without impacting contribution caps.

No need to buy a smaller home
Couples can contribute up to $600,000
Must be done within 90 days of settlement
This strategy can boost retirement savings and help you plan for the future.

Discover how downsizer contributions work. Read our guide.

Redundancy

Factsheet:https://wealthps.com.au/wp-content/uploads/2026/03/Managing-your-finances-after-accepting-a-redundancy.pdf

Redundancy can be daunting — but with the right plan, it can set you up for success.

Understand tax on payouts and leave entitlements
Review your super and insurance before making changes
Use smart strategies to manage cash flow and debt
Prepare for Centrelink waiting periods
Get practical tips to protect your financial future. Read our guide.

See the scams retirees are falling for right now

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://wealthps.com.au/wp-content/uploads/2026/05/Money-Insights-Winter-Newsletter-2026.pdf

Enjoy a healthy retirement!

A healthy retirement isn’t just about finances. It’s about looking after your wellbeing too.

From staying active to planning for healthcare costs, small steps can make a big difference.

👉 Read our latest article to learn how to enjoy a healthier, more secure retirement.

https://wealthps.com.au/wp-content/uploads/2026/05/Money-Insights-Winter-Newsletter-2026.pdf

Many EOFY strategies rely on timing, eligibility and fund processing deadlines. Waiting too long can limit your available options.

A short conversation now can provide clarity, confidence and peace of mind heading into the new financial year.

Book your EOFY review with us today.

Client Guide:https://wealthps.com.au/wp-content/uploads/2026/04/EOFY-Financial-Planning-Tips.pdf

If you draw a pension from your super, minimum pension payments must generally be made before 30 June.

Missing the minimum drawdown requirement can have tax and administrative consequences, and it can’t always be fixed afterwards.

If you’re unsure whether you’re on track, it’s worth checking in, sooner rather than later.

Please contact us if you’d like us to review this with you.

03 5224 9600

www.wealthps.com.au

For couples, EOFY may be a chance to:
• Support a lower‑income earning spouse’s super
• Balance super balances over time
• Improve long‑term retirement flexibility

The rules are technical, but the goal is simple: keeping options open and planning together.

A quick review can highlight whether any missed opportunities exist.

Book an EOFY check‑in with us today.

www.wealthps.com.au

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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.

Client Guide:https://wealthps.com.au/wp-content/uploads/2026/04/EOFY-Financial-Planning-Tips.pdf

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.

www.wealthps.com.au