Articles by
Janine Mace
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Reversionary pensions: What they are and how they work
If you want your partner to continue receiving your super pension when you die, a reversionary pension can make the process easy for them at what can be a difficult time.
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Commonwealth Seniors Health Card: Eligibility and how to apply
Our updated guide which now features a thorough video explainer, detailing the main benefits, the income thresholds and tips on how to apply.
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Retiring early due to ill health? 6 steps to stay on track
Retiring early due to poor health can really have an impact on your retirement plans and finances, so here’s 7 tips on what to consider.
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Super fund fees and charges you need to know about
Minimising fees is an important step in maximising the returns you earn from your super, so it pays to know what to look out for.
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What are the current work test rules for super contributions?
Even though the work test has been abolished for most super contributions, if you are over age 67 there is still one type of contribution that needs to pass the test.
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Creating effective salary sacrifice arrangements with your employees
A salary sacrifice arrangement with your employee needs to meet certain rules if you want to avoid problems with the ATO later on.
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Rules for setting up super and choice of fund for new employees
Most employees now have the right to choose their own super fund, but employers still aren’t off the hook when it comes to offering choice of super fund.
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How the 15-year small business CGT exemption can help boost your super
Small businessowners approaching retirement can take advantage of some valuable tax concessions when they sell up and then contribute the money into super.
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Proportioning rule and super tax: What it is and why it matters
Before withdrawing your super, it’s important to understand the proportioning rule and how it will impact the amount of tax you will pay on your super savings.
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Claiming a tax deduction for your employees’ super: What are the rules?
Tax deductions are a valuable sweetener for employers when making super contributions for their staff, but which payments can you claim?
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Planning to retire at 65? What you need to consider
While the Age Pension age has crept up to 67, the average age of retirement in Australia is closer to 65. Filling the income gap with super will require careful planning.
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Planning to retire at 60? What you need to consider
Once you turn 60 it is easier to access your super provided certain conditions are met.
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Planning to retire before turning 60? What you need to consider
If you want to retire early you will need sources of income other than super now that the super preservation age has increased to age 60.
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What to consider if you’re forced to retire early
Being forced into retirement earlier than planned is surprisingly common. Although it may upend your retirement plans, there are steps you can take to avoid it becoming a disaster.
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Workforce age discrimination and what it means for your super
When it comes to paid employment, age discrimination can seriously affect your retirement plans, so what if you find yourself facing an unplanned retirement?
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Winding up an estate: 11 steps to help get the job done
As you get older, you’re likely to find yourself undertaking the painful task of winding up an estate for a spouse or family member, so it pays to know the key responsibilities of an executor.
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What different types of financial advice should I consider?
Good advice can make a big difference to both your financial position and retirement plans, but it can be confusing to know what’s available and who to ask.
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Retirement cost of living: 10 tips to boost your finances
The cost-of-living crisis has left many retirees worried about their financial position, so now could be a good time to check if your retirement budget needs a tune-up.
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