We welcome back Stuart Sheary, subject matter expert from the Institute of Financial Professionals Australia (www.ifpa.com.au) to discuss what are the common tips and traps surrounding contributions to your retirement (superannuation!).  There is much discussion at this time around proposed legislative changes, yet many are still forgetting the basics, and its worth going back over for sure.  This includes the work test, concessional and non-concessional contributions, spouse contributions and a number of others.  Important stuff to ensure you take full advantage of your entitlements and tax effective investing.