Netplan - Australian Retirement Advice

A home-owning couple can now have $1 Million plus in assets other than the family home and still qualify for a part age pension! In this episode, we explain the July 1 changes to means test thresholds and their significance to anyone approaching or in retirement. We regularly come across people who thought they were entitled to nothing - buy were wrong!

In this episode, we explain the increase to compulsory super due to kick in on July 1 and how the definition of who's eligible is very broad. Just because you're a contractor, even as a Pty Ltd company, doesn't mean the "boss" can avoid paying your compulsory super! We also explain what happens if you exceed your contribution caps and what NOT to do.

We field questions from listeners regarding super, the pension and tax.

Across Australia on ABC's Nightlife program with Chris Taylor (Of The Chaser fame) filling in for Phil Clark. In this episode we deal with listener's questions ranging form what to do with your super, super downsizer contributions, Estate planning tax issues and updating Centrelink. There's something for everyone here!

Its an inevitable expense. How much will it cost and what can you do, to ease the pressure on your loved ones and the hip-pocket. We explain how a means tested pensioner, can take advantage of the rules to effectively get the government to pay for your send-off.

In this episode we explain how a reverse mortgage works and who they're suited to. Importantly, we explain a low cost government alternative that charges LESS THAN HALF the interest rate of a commercial loan.

Sorry, an earlier version of this podcast had a period of silence at the beginning. That's now fixed The most recent Nightlife with Philip Clark on ABC Local Radio across Australia. From turbulent markets to dodgy fixed interest investments, we dealt with many questions from listeners ranging from Centrelink to Superannuation to death benefits.

The election's over and with such a comprehensive result, the announcements made during the campaign are set to become law. From new taxes on super, nasty changes to tax deduction rules and the possible end of the pop-up tax clinic in you local shopping centre. - Tax returns made easier still. Why many people should get a boosted tax refund. We explain the policies and how they might affect you.

We explain in simple terms, why you need to consider the financial arrangements surrounding retirement villages and aged care costs. The bottom line here is that retirement Village homes are NOT a property investment and I am yet meet someone who exited a traditional retirement village setup who didn't lose a lot of money.

Heavily used by Industry super funds, we explain the potential pitfalls for someone approaching retirement with a super fund, heavily exposed to unlisted assets. In the current market turmoil, there's a risk the amount you think you have in super, is actually less. How to avoid a "correction" just when you're about to retire.

This meaty episode provides an overview of how the system works and how you can get better bang for your buck if you're using a Government funded home care package. We also explain how for some, the estate they leave to their loved ones could be considerably sell under the new rules and why putting Mum or Dad into aged care before June 30 (if they are ready) could be a very sound financial decisio...

In this episode we chat about markets, Super, Tax, Death Benefits, Centrelink and answer questions from callers all over Australia.,

Live radio on the ABC Mornings Statewide program, after the budget, where we explain what's happened and take listener's calls.

With some share-markets now in "correction" territory, we explain what you shouldn't do in times like this. We provide some solid reasons why you should still sleep tonight and what to do later, when things improve. For seniors, a special trick that could see you getting more money form Centrelink, thanks to the drop ! Incredible, but true. We explain why and what to do.

Centrelink payment rates increase on March 20 with a spin off effect in that many more senior Aussies will now qualify for a part-pension for the first time. That's because the upper means test cut-off thresholds increase. A must listen for those in or contemplating retirement in the next few years. https://www.netplan.com.au/articles/centrelink-benefits-increase-from-march-20-2025

If you ever worked in the UK, this is a must listen. The UK State Pension is a non mean-tested benefit which really is, money for jam. Backed by His Majesty's Government, learn how a modest outlay generates an effective return of at least 38 percent for life. A must for those who worked there - or your British mates.

How about a strategy where you buy a swanky apartment now, negatively gear the property until you retire, and then move in. You sell your existing home and dump the proceeds into super. Sounds like a plan ? In this podcast we answer a real life question that also deals with non concessional contributions and other things to consider, to maximise the tax concessions and benefits.

A very busy session with questions ranging from Superannuation to Aged Care. Listen in, you're sure to learn something new.

A range of questions regarding Superannuation, Retirement, Tax and Pensions. The usual mix !

We reveal a new scam that appears to catch out even the tech savvy. A clever way of stealing your ID to access your MyGov data. A must-listen for any one making heavy use of the site.

How about a no risk , lifetime retirement income, increasing each year with inflation and with significant Centrelink benefits? Sound good ? It's called an annuity and in this episode we explain how they work and why the Government is keen to see you use them.

In this "how-to" episode, we explain how you can establish an investment for little kids. Whether it is with a few hundred or a a few thousand dollars, the legal and practical things you need to know. We also provide a simple explanation about ETFs and things to watch for.

We pull apart how a managed fund - which includes super funds -actually work. How can you pick a good one from the thousands on offer - and get objective information ? This is how the good planners do it. We speak to one of the World's Largest Fund Manager research houses - Morningstar,

We explain what taxes apply to your super when you die and some simple tricks you can do to minimise the impact on your loved ones. Savings of more than $60,000 in tax might just be, a few clicks away...

In this session we answered questions dealing with Enduring Powers Of Attorney, how much can a senior earn before paying tax, Aged Care RADs and heaps of Super Questions? Enjoy (and don't forget to rate and subscribe!) websites mentioned: netplan.com.au moneysmart.gov.au cifaa.asn.au