Retire Right

In today's Q&A, Glen and Martin discuss: 👉🏻 should you sell inherited shares and buy ETFs? Plus SRN, HIN and CHESS sponsorship explained 👉 extra non-concessional contributions vs paying down the mortgage 👉🏼 can I still salary sacrifice up to the $30k cap even if my super balance is over $500k 👉🏽 retire with an IP or sell IP and put money in super? Watch the 'money by age' mini-series he...

In this 2-part mini series, Glen is joined by Justin Bott, a Community Information Officer from Services Australia to unpack everything around the Centrelink age pension. In part 2, Glen and Justin discuss what you need to know about living on the pension, touching on: 👉🏾 changes you must tell Centrelink within 14 days 👉🏿 how working affects your pension and tax 👉🏻 gifting limits and their i...

In this 2 part mini-series, Glen is joined by Justin Bott, a Community Information Officer from Services Australia to unpack everything around the Centrelink age pension. In this episode Glen and Justin discuss preparing to claim. Stay tuned for next week where we cover living on the pension. In this episode they touch on: 👉 when to start preparing to claim 👉🏼 the benefits of chatting with...

Your 70s are a time to enjoy life and set things up smoothly for the future. In this episode, Glen James and financial advisor Martin McGrath walk through what to consider in this decade of retirement. They talk about: 👉🏾 maximising age pension and seniors health card 👉🏿 considering funeral bonds and gifting strategies 👉🏻 managing pension income and super withdrawals 👉 simplifying finances...

Your 60s are all about fine-tuning your retirement game plan. In today's episode Glen and Martin cover the key financial moves to make during this decade, from topping up your super to planning how and when you’ll retire. They touch on: 👉 how to use concessional and non-concessional super contributions 👉🏽 transition to retirement (TTR) pensions explained 👉🏾 when to access super and pay o...

Your 50s are an exciting time to start laying the groundwork for a great retirement. In today’s episode, Glen and Martin cover: 👉 stopping extra mortgage repayments 👉🏼 topping up concessional contributions  👉🏽 checking that your investments align with your preferences 👉🏾 reviewing insurance as needs change 👉🏿 building your retirement vision  👉🏻 seeing your GP and doing health...

Worried about whether your super is safe? In this episode, Glen and Vince Scully from Life Sherpa dive into the structures behind super funds and financial advice, from industry funds and wrap accounts to red flags and diversification. They answer Angela's question from the Facebook group and unpack what to look for (and what to avoid) when deciding where to put your retirement savings. They talk...

It’s the start of a new financial year and with that comes a bunch of changes that could impact your retirement planning. Glen and Martin unpack what’s changed from 1 July 2025 and what you need to watch out for before 30 June 2026. They cover: 👉🏽 super guarantee increase and how it affects your pay 👉🏾 transfer balance cap changes explained 👉🏼 new Medicare levy and HELP thresholds 👉🏿 why y...

In today's community Q&A, Glen James and Martin McGrath unpack: 👉 what is spouse super splitting and who would this strategy suit 👉🏼 can/should anon open a new pension account for an inheritance? 👉🏽 when to fill out a notice of intent to claim for a super contribution 👉🏾 can my motorhome be deemed my primary residence for Centrelink purposes? If you’d like to chat with someone about you...

If you’ve paid off the mortgage, the kids are grown, and retirement is on the horizon, you might be wondering... do I still need life insurance? In this episode, Glen and insurance adviser Phil Thompson from Skye Wealth dig into how to know if you're overinsured, how to reduce premiums without going cold turkey, and the real reasons people hang onto cover (even when they might not need to). Plus,...

Glen & Martin unpack how the proposed $3 million super tax (Division 296) actually works. They cover who’s likely to be affected, how the tax is calculated (including the controversial unrealised gains), and what options you might consider if you’re close to the threshold. Covered in the episode: 👉🏼 who the $3m tax applies to (and who it doesn’t) 👉🏽 how the tax is calculated—including unre...

In this episode, Glen and Vince Scully break down WRAP accounts and how they can be used for wealth accumulation and retirement planning. They discuss their benefits, tax advantages and features, and how they provide greater control and flexibility compared to traditional superannuation funds. They also clear up common misconceptions and explain when a WRAP account may be beneficial based on your...

Got a rental property you’re thinking of selling before retirement? In this episode, Glen and Martin break down how to use your super to reduce your capital gains tax. They touch on: 👉 how capital gains tax works when selling an investment property 👉🏼 using concessional contributions to reduce your tax bill 👉🏽 what carry-forward rules let you do (and who qualifies) 👉🏾 the bring-forward rule...

In this episode, Glen and Martin walk through a real case study where a couple in their early 70s boost their Centrelink age pension by upgrading their home and drawing down super. They break down how the rules work and how strategic planning can improve cash flow without reducing lifestyle. To see the visuals head to our YouTube channel! Glen & Martin discuss: 👉 upgrading the home to reduce...

In today's episode Glen and Martin answer a listener question about quitting a casual job at age 60 and what that means for accessing super. Plus, they dive deep into the behind-the-scenes super components that can affect tax, estate planning and insurance. They touch on: 👉🏻 when quitting a job at 60 lets you access super 👉 the difference between preservation age and conditions of release 👉🏼...

Retirement isn't a full stop anymore, it's a new rhythm. In this episode, Glen sits down with Kat McPhee from Aware Super to unpack how Aussies are redefining retirement, why so many feel anxious about money, and how to plan for a future that's flexible, confident and uniquely yours. They discuss: 👉🏾 why retirement anxiety is on the rise 👉🏿 finding structure and purpose after full-time work 👉...

In today’s episode, Glen and financial adviser Martin McGrath tackle your retirement questions, including: 👉🏼 is there a death tax in Australia? 👉🏽 how can I use recontribution strategies to minimise tax? 👉🏾 help! my downsizer contribution wasn't approved! If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https:...

In today’s episode Glen James and financial adviser Martin McGrath discuss key points from a Grattan Institute report which details a simpler super system that would allow retirees to stress less, spend more, and enjoy their retirement years. Glen and Martin also explain what annuities are and how they can be used in your retirement strategy. For more on annuities check out the episode below.&nbsp...

In today's episode Glen and financial adviser Martin McGrath chat about what to do with your money during this uncertain economic climate, how much financial advice costs and why it could save you from making huge money mistakes in retirement. They also discuss one listener's question about her 90yo grandad. If you’d like to chat with someone about your personal situation, reach out to our team so...

Stop! Don't panic! I ask you to pause and step back and not do anything out of fear when it comes to investing and your superannuation. Episode on YouTube with presentation: https://youtu.be/xHNAhZrtBNE?si=dQHe3-9tjw52NyOO Perth Live Show tickets: https://www.eventbrite.com/e/m3-live-in-perth-tickets-1295263831989 John's Property Masterclass in Perth: https://events.humanitix.com/perth-property-wo...

How much super do you need for a comfortable retirement? Glen and financial adviser Nathan Fradley break it down with real life numbers, covering: 👉 how much the age pension pays & who qualifies 👉🏼 the impact of homeownership on retirement savings 👉🏽 super balances - will $500k, $1M, or $1.5M last? 👉🏾 why spending in retirement feels different (and how to plan for it) 👉🏿 how Centrelin...

Michael Read is the Financial Review's economics correspondent, reporting from the federal press gallery at Parliament House. He was previously an economist at the Reserve Bank of Australia and at UBS. If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help Sign up to the Retire Right...

Got mortgage questions in retirement? Mortgage broker Rachelle Kroon from Sphere Home Loans joins Glen in this episode to unpack your questions. The touch on: 👉 what’s the cut-off age for a new loan? 👉🏼 can you refinance in retirement? 👉🏾 how parental guarantees work if you're retired 👉🏻 bridging finance - is it still a thing and is it worth it? If you’d like to chat with someone about...

Big changes are coming to aged care from 1 July, and we've got aged care expert Rachel Lane back to break it all down. Glen and Rachel dive into what’s changing, how it affects costs and care, and what you need to know if you or a loved one might need aged care in the next few years. They touch on: 👉 major reforms coming to aged care in July 👉🏼 why aged care is getting more expensive 👉🏽 under...

Today's Q&A is packed with great questions from the Retire Right community and Glen is joined by financial adviser Nathan Fradley to unpack them: 👉 what to do with a $500k property sale before retirement 👉🏼 can you claim a tax deduction on extra super contributions? 👉🏽 when should you start shifting your super to more defensive assets? 👉🏾 plus, estate planning, pension strategies &...