2026 Budget
Are Trusts Still Tax Effective After the 2026 Budget?
Are trusts still tax effective after the 2026 Budget? Learn how the new 30% trust tax affects investors, families, and wealth structures.
Insights
Notes on Planning Decisions
Straightforward explanations of the rules, fees, and trade-offs that come up most often — written for people making the decision, not for other advisers.
James’s Notes
Occasional, practical notes on superannuation, retirement and planning decisions. General information only, no product pitches, and you can unsubscribe at any time.
Retirement Articles
- Retirement
Transition to Retirement Strategy Explained
Reach age 60 and keep working? A Transition to Retirement (TTR) strategy can help you reduce hours or save on tax. Learn the 4–10% withdrawal rules and…
- Retirement
Retirement Planning for Couples
Are you and your partner retirement-ready? Discover how to align your lifestyle goals, optimise joint super, and manage long-term costs for a secure…
- Retirement
Your Guide to Retirement Pension Options
Confused between the Age Pension, super pensions, or annuities? Explore Australia’s retirement income options to maximise your tax benefits and financial…
- Retirement
Mental, Emotional & Lifestyle Planning for Retirement
Sorted your super but worried about boredom? Learn how to mentally prepare for retirement by building a new identity, routine, and social life beyond your…
- Retirement
How Much Super Do You Need To Retire
Is $500K enough to retire? How much do you need to live comfortably? People transitioning to retirement can get their answers here.
- Retirement
Downsizing Your Home For Retirement
Thinking of downsizing? Learn how the $300K super contribution works, the impact on your Age Pension, and the hidden costs of moving in 2026.
- Retirement
Can You Collect Old Age Pension Whilst Still Working
Can you work while on the Age Pension? Learn how the Work Bonus protects your wages and which strategic assets are exempt from Centrelink's 2026 means…
- Retirement
Investing During Retirement
Master retirement income sources. Learn the 3-bucket strategy, how to avoid sequence risk, and how to use super tax rules to fund 30 years of your life.
- Retirement
Budgeting for Retirement
Thinking of retirement? Explore the latest ASFA budget benchmarks, Age Pension rates, and strategies to fund your lifestyle.
