The Strategy Stacker - Luke Talks Money

Luke on 2CC – 2026 Changes to Superannuation Thresholds and What They Mean for You!


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Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 13 March 2026. The topic is: Changes to superannuation thresholds from 1 July 2026 – How will they affect your retirement planning? Any changes to the superannuation rules will present opportunities for those who are switched on enough to take the time to understand them and use them wisely. In this episode Luke takes a deep dive into the superannuation changes that come into effect from 1 July 2026 and financial planning strategies you may consider.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:
  • We know under the current rules, there’s a concessional contribution cap on how much you can put into super and claim a tax deduction. It’s currently $30,000 a year which can be made up of your total employer contributions as well as your own. 
  • From 1 July it will increase from $30,000 to $32,500.
  • What are the opportunities for you?
  • Remember you can put money into super if you’re under 67 and use this!
  • There’s also a change to the non-concessional contribution limit. This is money you put into super without claiming a tax deduction.
  • When do you use this type of contribution?
  • From 1 July 2026, the non-concessional contribution limit will increase from $120,000 to $130,000.
  • Where are the opportunities for you?
  • Remember the downsizing legislation is separate from the non-concessional contribution legislation.
  • From a pension perspective, the Transfer Balance Cap is also increasing from 1 July 2026.
  • Why your Total Super Balance Matters.
  • Luke shares his top tips to think about the changes and your own situation – seek advice if you need help, it’s complicated.
  • https://www.envisionfinancial.com.au/wp-content/uploads/2026/03/The-Strategy-Stacker-Luke-Talks-Money-13032026-Final.mp3
     
    Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

     
    Do you need help to make the most of the new superannuation rules and your retirement plans?
    Super thresholds can be complicated, even more so when you try to start stacking different pieces of legislation together to plan for your retirement. Make an appointment to meet Luke if you need help.

    Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

    Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

    We look forward to your company again. Luke’s book Smart Money Strategy is out now.  

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    The Strategy Stacker - Luke Talks MoneyBy Luke Smith


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