The Strategy Stacker - Luke Talks Money

Luke on 2CC – Super Splitting: What is it? Why would you do it?


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Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 June 2025. The topic for this week is: The Super Splitting Strategy and the end of financial year. In this episode Luke takes a deep dive into the strategy exploring how super splitting works and the situations you might consider using the strategy to help you reach your goals. With the end of financial year fast approaching, now is the time to consider this strategy for this financial year and for the next one too. 

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

Key topics covered include:

  • What is the super splitting? 
  • What is the maximum amount of super concessional contributions you can split with your partner each year?
  • What types of super contributions are concessional contributions (also called deductible contributions)?
  • Can you use the catch up concessional contribution rules to split even more super? Yes you can!
  • Why is it a useful strategy if you’ve married well?
  • Why is it useful to super split to the older partner? Both partners might be able to pay off debt and retire sooner!
  • Why is it a useful strategy to get your super balance down given the Total Super Balance rules?
  • When do you split super?
  • Does it stop my partner have the ability to make super contributions themselves if I super split?
  • What happens to my split super if I was to get divorced?
  • Can you use the transition to retirement rules with super splitting? Yes you can stack strategies!
  • What do you need to do to split your super with your partner?
  • Remember paperwork does take time to process so don’t leave it to the last minute as super funds get busy at the end of the financial year.
  • Luke shares his top tips to think about when splitting your superannuation.
  • https://www.envisionfinancial.com.au/wp-content/uploads/2025/06/The-Strategy-Stacker-Luke-Talks-Money-06062025.mp3

    Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

    Do you need help with the super splitting strategy to help you reach your goals sooner?
    Super splitting can help you both reach your goals sooner, but like all things super and retirement related, it can be complicated and costly if you get it wrong. Make an appointment to meet with Luke if you need personal financial planning advice. 

    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 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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