Key points Act early to protect income, assets, and retirement plans during divorce. Business and company assets may be affected by divorce decisions. Ensure smooth financial transitions to the right people at the right time Getting a divorce has a big impact on household incomes and wealth in the short term and the long term, […]
January is best known for making (and breaking) resolutions, but it’s also when many couples start divorce proceedings —and that can deliver a financial shock, particularly for women. While some might welcome starting a new chapter in the new year, women can find themselves more susceptible to financial challenges following a divorce, faced with a sudden decline in household income and wealth.
Cathi is the driving force behind the superannuation division at Pitcher Partners Adelaide. She specialises in assisting clients with their personal tax through self-managed superannuation funds (SMSFs). Her particular interest lies in the structure of SMSFs, where she works diligently to ensure the best possible tax outcomes for trustees and members. Cathi’s in-depth knowledge of […]
The new tax is still subject to legislative passage with a stated commencement of 1 July 2025. It will mean a tax of 15% to the proportion of ‘earnings’ above $3m at the end of a financial year. For individuals with large super balances it’s wise to start considering management strategies
Key points SMSFs offer tax advantages but are more regulated than family trusts. Family trusts allow flexible asset use and better intergenerational wealth transfer. Using both structures together can optimise tax and asset management strategies. Family trusts and SMSFs each carry their own benefits and disadvantages in providing a way to transfer and manage your […]
Key points Define your retirement lifestyle early to guide financial planning effectively. Retirement isn’t just about money—purpose and fulfilment matter. Gradual work reduction can support income and personal wellbeing Even if you have built a valuable business, a sizeable superannuation balance, or other assets, transitioning to retirement is a big step. We are living longer, […]
Key points You can access super via a Transition to Retirement Income Stream (TRIS) without retiring. TRIS allows part-time work while drawing income from super. Tax benefits vary based on age and preservation status. Reducing your hours at work may be appealing but how do you maintain your income to make the most of more […]
With the new financial year underway, two major changes to superannuation are likely to impact many retirees to some extent
Key points A Self-Managed Super Fund (SMSF) offers Australians greater control and flexibility over their retirement investments, including property and shares. SMSFs are best suited for individuals who are financially engaged, goal-oriented, and willing to take on trustee responsibilities. While SMSFs can be cost-effective and empowering, they require dedication and a clear understanding of long-term […]
Key points Choosing between an individual or corporate trustee is a foundational decision when setting up a self-managed superannuation fund (SMSF). Corporate trustees offer streamlined administration and continuity, especially in succession planning and compliance. Individual trustees may be simpler and cheaper to establish but can pose challenges in managing changes to membership or legal obligations. […]
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