Vantage Wealth Management Perth

We're excited to welcome Antonius Belay and Lachlan Godfrey to the Vantage team as interns.

Antonius joins us from Curtin University as part of his industry placement. During his time with us, he will gain valuable exposure to a broad range of functions across the business, including advice, administration, implementation and client service. This placement provides an opportunity to bridge the gap between study and practice, while developing a deeper understanding of the financial planning profession and the role advisers play in helping clients achieve their goals.

Lachy joins Vantage as an Undergraduate Associate while completing the third year of his Bachelor of Commerce. Working closely with our Associate team, he will provide support across the advice process while developing the technical knowledge, practical skills and client-focused experience needed for a career in financial advice. We look forward to Lachy becoming an integral part of the team as he continues to grow professionally.

At Vantage, we are committed to supporting the next generation of financial planning professionals by providing meaningful opportunities to learn, contribute and gain real-world experience. We believe investing in emerging talent strengthens both our profession and our ability to continue delivering exceptional outcomes for clients.

We're delighted to have Antonius and Lachy on board and look forward to supporting them throughout the next stage of their professional journey.

𝗘𝗢𝗙𝗬 𝗶𝘀 𝗱𝗮𝘆𝘀 𝗮𝘄𝗮𝘆 - 𝗛𝗮𝘃𝗲 𝘆𝗼𝘂 𝗿𝗲𝘃𝗶𝗲𝘄𝗲𝗱 𝘆𝗼𝘂𝗿 𝘀𝘂𝗽𝗲𝗿𝗮𝗻𝗻𝘂𝗮𝘁𝗶𝗼𝗻 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲 𝘆𝗲𝗮𝗿?

Before 30 June, it's worth taking a few minutes to consider whether you've made the most of your super contribution opportunities. A few things worth checking:

𝗖𝗼𝗻𝗰𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻𝘀: Personal contributions where you lodge a Notice of Intent to claim a tax deduction can reduce your taxable income and may even shift your marginal rate. It is also worth checking whether your employer and personal concessional contributions are on track to make the most of the 2025/26 concessional contributions cap of $30,000.

𝗡𝗼𝗻-𝗰𝗼𝗻𝗰𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻𝘀: After-tax money into super that grows in a low-tax environment. If eligible, you may be able to contribute up to $120,000 this financial year or bring forward up to three years of contributions for a total of $360,000.

𝗦𝗽𝗼𝘂𝘀𝗲 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻𝘀: If your spouse earns a low income or is not working, making an eligible after-tax contribution to their super may help build their retirement savings and may entitle you to a tax offset of up to $540, subject to eligibility criteria.

𝗖𝗵𝗶𝗹𝗱𝗿𝗲𝗻'𝘀 𝘀𝘂𝗽𝗲𝗿: Money to your kids so they can build their balance early and positioning them for the First Home Super Saver Scheme when the time comes.

𝗟𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝗻𝘀𝗶𝗱𝗲 𝘀𝘂𝗽𝗲𝗿: Contributions can effectively fund premiums in a tax-effective structure, protecting your family at a lower after-tax cost and maintain fund balances.

These aren't set-and-forget decisions - small actions before 30 June can have meaningful, lasting impact.

Curious for more information in regard to contributions? Book an appointment with us by calling (𝟬𝟴) 𝟵𝟮𝟭𝟱 𝟱𝟬𝟬𝟬 or by visiting our website at 𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝘄𝗺.𝗰𝗼𝗺.𝗮𝘂



𝘗𝘭𝘦𝘢𝘴𝘦 𝘯𝘰𝘵𝘦 𝘵𝘩𝘪𝘴 𝘪𝘴 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘯𝘰𝘵 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘚𝘶𝘱𝘦𝘳𝘢𝘯𝘯𝘶𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘵𝘢𝘹 𝘳𝘶𝘭𝘦𝘴 𝘢𝘳𝘦 𝘤𝘰𝘮𝘱𝘭𝘦𝘹 𝘸𝘪𝘵𝘩 𝘰𝘶𝘵𝘤𝘰𝘮𝘦𝘴 𝘥𝘦𝘱𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴. 𝘗𝘭𝘦𝘢𝘴𝘦 𝘴𝘱𝘦𝘢𝘬 𝘸𝘪𝘵𝘩 𝘢 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘦𝘥 𝘢𝘥𝘷𝘪𝘴𝘦𝘳 𝘣𝘦𝘧𝘰𝘳𝘦 𝘢𝘤𝘵𝘪𝘯𝘨. 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴. 𝘗𝘭𝘦𝘢𝘴𝘦 𝘴𝘱𝘦𝘢𝘬 𝘸𝘪𝘵𝘩 𝘢 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘦𝘥 𝘢𝘥𝘷𝘪𝘴𝘦𝘳 𝘣𝘦𝘧𝘰𝘳𝘦 𝘢𝘤𝘵𝘪𝘯𝘨.

A great day out of the office last Friday for the Vantage Wealth Management team, taking part in the Zoomazing Race at Perth Zoo.

From navigating clues through the zoo to working through challenges under time pressure, it was a fun way to put our teamwork and communication skills to the test. Highly recommended to any businesses out there looking to support their teams and have a good time together.

At Vantage, we place a strong emphasis on building high-performing teams. Strong teams deliver better outcomes for our clients, and days like this help strengthen the way we work together.

A big thank you to Perth Zoo for hosting such a well-run event.

We are proud of our Vantage team who recently took part in the Walk for Women’s Cancer on 2 May 2026.

A special mention to Ruth, Rob, Ben and Jo, who completed the 14km walk in support of an incredibly important cause, raising funds for life-saving research into women’s cancers.

Events like this are a powerful reminder that meaningful change comes from collective action. Every step taken and every dollar raised contributes to improving outcomes for women in our community.

At Vantage, we are committed to giving back to the community we are proud to be a part of.

Let’s keep moving towards a cancer-free future, together.

𝗧𝗮𝘅 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝗱 𝗦𝘂𝗽𝗲𝗿 𝗠𝗮𝘅𝗶𝗺𝘂𝗺𝘀 𝗛𝗮𝘃𝗲 𝗖𝗵𝗮𝗻𝗴𝗲𝗱 — 𝗜𝘀 𝗬𝗼𝘂𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻 𝗦𝘁𝗶𝗹𝗹 𝗼𝗻 𝗧𝗿𝗮𝗰𝗸?

Retirement planning isn’t about reacting to change, it’s about staying aligned as the rules evolve.

With super caps increasing from July 2026, now’s a good time to sense check whether your strategy still fits today’s landscape. We explore this further with our latest Article.

Read the full article here: https://vantagewm.com.au/insights/tax-advantaged-super-maximums-have-changed-is-your-retirement-plan-still-on-track

Curious about Retirement Planning? Book an appointment with us by calling (𝟬𝟴) 𝟵𝟮𝟭𝟱 𝟱𝟬𝟬𝟬 or by visiting our website at 𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝘄𝗺.𝗰𝗼𝗺.𝗮𝘂

If anyone tries to suggest that today's younger generation has a sense of entitlement or looks for the easy path, we'd absolutely refute that based on what we see from our team.

Case in point: congratulations to Sylvia who just completed her Bachelor of Commerce degree. Over the past six months, she took on a 5-unit semester load - an overload beyond the standard 4 units - while working with us at Vantage and still picking up weekend shifts at a local cafe when they were short-staffed. Through it all, she showed up consistently, contributed thoughtfully, and never let the pressure show.

The dedication, resilience and work ethic we see from Sylvia and our other younger team members is genuinely inspiring. They're juggling multiple commitments, investing in their development, and doing it with humility and professionalism.

We're thrilled that Sylvia has accepted a full-time Graduate Associate position with us. Her studies are behind her... for now!... but the qualities she demonstrated throughout - commitment, capability and character - are exactly what we value at Vantage.

Well done Sylvia, and enjoy some well-earned rest over the Christmas break.

Amazing few days for some of our team at the FAAA National Conference in Perth last week. A few takeaways...

𝗣𝗿𝗼𝗱𝘂𝗰𝘁𝗶𝘃𝗶𝘁𝘆... we all have ambition to reduce the friction clients, advisers, administrators and institutions experience in getting advice done... how can we be applying AI to simplify and speed up the delivery and implementation of advice while still making sure humans come first.

𝗣𝗲𝗼𝗽𝗹𝗲... how do we improve awareness amongst smart, passionate younger people that there is a hugely rewarding future for them in the wealth management space.

𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘀... how can we get politicians and regulators to understand it is not through more regulatory policies, but rather more effective supervision by them, auditors and responsible entities to prevent 'bad players' from getting started and causing the chaos they do.

𝗧𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆... A general feeling that most progressive firms have made significant investment into tech to de-risk and enhance client outcomes... the proof will now be in the productivity pudding.

𝗚𝗿𝗼𝘄𝘁𝗵... while population growth, regulatory hurdles and growing financial market complexities provide a supportive backdrop to drive demand for advice, the growth opportunities can't be captured without committed succession plans, corporatised service frameworks and a full embrace of integrated tech solutions.

So much to digest but so exciting to move forward and learn with the country's best to continue expanding our client focused advice solution.

Understanding West State Super is essential for WA public sector employees. Its unique rules around tax, rollovers, and estate planning mean the right advice can make a real difference to your retirement outcome.

We've published a new article that breaks down how West State works, how to maximise your contributions, and tips for strategic estate planning intended for anyone with a West State account and for those supporting them.

Read the full article here: https://vantagewm.com.au/news/understanding-west-state-super-what-it-is-how-it-works-why-good-advice-matters/

Curious about making the most of your West State Super? Book an appointment with us by calling (𝟬𝟴) 𝟵𝟮𝟭𝟱 𝟱𝟬𝟬𝟬 or by visiting our website at 𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝘄𝗺.𝗰𝗼𝗺.𝗮𝘂

𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗔𝗵𝗲𝗮𝗱: 𝗛𝗼𝘄 𝗠𝘂𝗰𝗵 𝗗𝗼 𝗜 𝗡𝗲𝗲𝗱 𝘁𝗼 𝗥𝗲𝘁𝗶𝗿𝗲?

It’s one of the most common questions we get asked daily, and the most personal question out there.

The ASFA Retirement Standard June 2025 offers a benchmark to help Australians plan for life after work. But the answer isn’t one-size-fits-all.

Here’s what the Standard suggests:

• 𝗖𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝗲 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁: $75,319/year for couples, $53,289/year for singles

• 𝗦𝘂𝗽𝗲𝗿 𝗕𝗮𝗹𝗮𝗻𝗰𝗲𝘀 𝗡𝗲𝗲𝗱𝗲𝗱 𝗮𝘁 𝗔𝗴𝗲 𝟲𝟳: $690,000 for couples, $595,000 for singles

But everyone’s life is different. Your health, housing, lifestyle, and family goals all shape what retirement looks like for you.

That’s why 𝗳𝗼𝗿𝘄𝗮𝗿𝗱 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗻𝗱 𝘁𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 are essential. With the right advice, you can:

• 𝗖𝗹𝗮𝗿𝗶𝗳𝘆 𝗬𝗼𝘂𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗚𝗼𝗮𝗹𝘀: Understand what lifestyle you want such as when you want to retire and what it will cost.

• 𝗠𝗮𝘅𝗶𝗺𝗶𝘀𝗲 𝗬𝗼𝘂𝗿 𝗖𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻𝘀: Use concessional and non-concessional strategies to build your balance.

• 𝗠𝗮𝘅𝗶𝗺𝗶𝘀𝗲 𝘁𝗵𝗲 𝗮𝗴𝗲 𝗽𝗲𝗻𝘀𝗶𝗼𝗻: Based on your circumstances, there may be strategies available to receive more age pension.

• 𝗔𝗱𝗮𝗽𝘁 𝘁𝗼 𝗟𝗶𝗳𝗲’𝘀 𝗖𝗵𝗮𝗻𝗴𝗲𝘀: Adjust your plan as your circumstances evolve, such as unexpected windfalls of expenses.

• 𝗘𝗻𝗵𝗮𝗻𝗰𝗲 𝗬𝗼𝘂𝗿 𝗣𝗼𝘀𝗶𝘁𝗶𝗼𝗻: Make informed decisions that improve your financial security as retirement approaches.

Retirement isn’t just about reaching a number, it’s about creating a future that reflects your values and aspirations.

If you’re wondering what your retirement journey could look like, let’s start the conversation.

𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗔𝗵𝗲𝗮𝗱: 𝗧𝗵𝗲 𝗦𝘂𝗽𝗲𝗿 𝗪𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹 𝗮𝗻𝗱 𝗥𝗲𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆

There are two certainties in life; death and taxes. But a bit of effective planning can make both a little easier to face.

One lesser-known but powerful estate planning tool is the 𝙨𝙪𝙥𝙚𝙧𝙖𝙣𝙣𝙪𝙖𝙩𝙞𝙤𝙣 𝙬𝙞𝙩𝙝𝙙𝙧𝙖𝙬𝙖𝙡 𝙖𝙣𝙙 𝙧𝙚𝙘𝙤𝙣𝙩𝙧𝙞𝙗𝙪𝙩𝙞𝙤𝙣 𝙨𝙩𝙧𝙖𝙩𝙚𝙜𝙮.

This approach can help reduce the potential tax paid on superannuation death benefits, ensuring more of your wealth is passed on to your loved ones.

When structured correctly, this strategy allows you to:

• 𝗥𝗲𝗱𝘂𝗰𝗲 ‘𝗗𝗲𝗮𝘁𝗵 𝗧𝗮𝘅𝗲𝘀’: By withdrawing and then re-contributing funds to super as a non-concessional contribution, you may convert taxable components into tax-free ones, potentially lowering the tax burden for non-dependent beneficiaries.

• 𝗘𝗻𝗵𝗮𝗻𝗰𝗲 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗙𝗹𝗲𝘅𝗶𝗯𝗶𝗹𝗶𝘁𝘆: Adjusting the mix of taxable and tax-free components within your fund can help ensure a more tax-efficient distribution of your super balance.

• 𝗠𝗮𝘅𝗶𝗺𝗶𝘀𝗲 𝗙𝘂𝘁𝘂𝗿𝗲 𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀: For eligible individuals, the recontribution may also allow for continued investment growth within the tax-advantaged super environment.

• 𝗦𝘁𝗮𝘆 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝘁: As with all strategies, contribution caps, age limits, and eligibility criteria apply - professional advice is essential to ensure compliance and effectiveness.

While none of us can escape death or taxes, thoughtful planning can reduce the impact of both - protecting the legacy you’ve worked hard to build.