Is Your Super Safe? A Sunshine Coast Guide to Division 296 Tax Exemptions
Worried about the $3m super tax cap? Learn how spouse equalisation and re-contribution strategies can protect your family’s wealth. A Sunlit Path guide.
Superannuation Rules & Tax Minimisation
Keep more of your wealth. Expert guides on navigating contribution caps, tax-free retirement phases, and protecting your estate from the “death tax.”
Key Topics Covered:
The Zero-Tax Phase: Understanding the rules once you turn 60, where income payments and lump-sum withdrawals from super become entirely tax-free.
Maximising Concessional Caps: Using salary sacrifice and personal deductible contributions to reach the annual cap and reduce your taxable income.
Franking Credit Refunds: How retirees in the 0% pension phase can receive cash refunds from the ATO for taxes already paid by Australian companies.
Washing Away the “Death Tax”: Using re-contribution strategies to clean your super balance and save your adult children from a 17% hidden tax on their inheritance.