Posts by Gerard Haskew
Super strategies – Topping up super with ‘catch-up’ contributions
If you have not fully used your concessional cap in a prior financial year, youmay be eligible to use these unused carried forward amounts in a later year.Depending on your circumstances, this could help you to maximise tax‑effective super contributions and invest more for retirement. How does the strategy work? If your concessional contributions (CCs)…
Read MoreSuper strategies – Top-up your super with help from the Government
If your income is under a certain threshold, then making personal after-tax super contributions could enable you to qualify for a Governmentco-contribution and take advantage of the low tax rate payable in super on investment earnings. How does the strategy work? If you are under 71 at the end of the financial year, earn1 less…
Read MoreSuper strategies – Sacrifice pre-tax salary into super
Contributing some of your pre‑tax salary, wages or a bonus into super could help you to reduce your tax and invest more for your retirement. How does the strategy work? With this strategy, known as salary sacrifice, you need to arrange for your employer to contribute some of your pre‑tax salary, wages or bonus directly…
Read MoreFederal Election 2025 – What this could mean for you and your finances?
During the Federal Election campaign, the Government made a number of election promises, which may impact finances. There were also a number of support measures proposed in the recent Federal Budget. What could this mean for you? These announcements are proposals only and may or may not be made law. The information below, including the…
Read MoreHOW TO THRIVE IN UNCERTAIN MARKETS
Understanding Market Volatility Market volatility is an inevitable part of investing, yet it often evokes fear and uncertainty among investors. The phrase “catching a falling knife” vividly captures the dangers of trying to time the market during sharp declines it suggests that attempting to buy assets during a precipitous drop can lead to painful losses.…
Read MoreIncome Protection: New Job, New Income
If I get a new job within the same industry, can I increase my income protection without going through underwriting? Some income protection policies include a guaranteed future insurability or benefit indexation feature, which may allow you to increase your cover without full medical underwriting particularly if your income increases. However, this typically depends on…
Read MoreSuperannuation Beneficiaries
Wondering if your siblings can receive your superannuation? Learn the rules around eligible beneficiaries and how to ensure your nomination is valid with expert advice from Leading Advice Sydney.
Read MoreHome Equity Access Scheme (HEAS)
The Home Equity Access Scheme (HEAS) allows older Australians to access home equity and boost their retirement income. This government-backed, non-taxable loan offers flexibility, security, and peace of mind. Learn how it works and how Leading Advice can help you decide if it’s right for your retirement goals.
Read MoreTAX CUTS, HOUSING SUPPORT, AND HEALTHCARE REFORMS
WHAT THE FEDERAL BUDGET MEANS FOR YOUR WEALTH 1. Introduction: Framing the Federal Budget’s Impact on Australians The 2025-26 Australian Federal Budget has been un- veiled, marking a pivotal moment for households, busi- nesses, and the broader economy. With a strong emphasis on addressing cost-of-living pressures, enhancing housing affordability, and improving healthcare access, this budget…
Read MoreNavigating Financial Risks and Retirement
Introduction: The Changing Perception of Life Expectancy Life expectancy is one of the most widely misunderstood concepts in retirement planning. It is often quoted as a single number—a statistical average—but this simplification obscures the complexity of individual survival probabilities. For retirees, this misunderstanding can lead to miscalcu- lations about how long their savings need to…
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