Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 21 November 2025. The topic for this week is the Centrelink Asset Test. This test is one of two tests or assessments that Centrelink will do around assessing your eligibility for government aged pension income benefits. The other test is the Centrelink Income Test. Luke explores the Asset Test in detail. As the end of year approaches, he’s been receiving lots of questions on this topic as many people start to think about retirement next year. Seeking good advice about retirement planning can give you a more certain and more confident retirement income.

But before they start the show Luke answers a listener’s question: Can I withdraw money from my transition to retirement pension, place it in a bank account and gift it to my children? In short, yes you can!

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

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 can also refer you to an estate planning solicitor within his network at no cost. 

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.  

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 14 November 2025. The topic for this week comes from one of our listeners: What is the difference between a binding and non-binding nomination in your super? This listener question is an important one – especially given that the value of your super is probably one of the biggest assets you might have outside of your family home. Luke explores the differences and gives some examples too. Seeking good advice can help you achieve greater estate planning certainty, and an estate planning solicitor should be involved.

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

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 can also refer you to an estate planning solicitor within his network at no cost. 

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.  

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 7 November 2025. The topic for this week is: Is it time to take a closer look at your asset allocation risk? How much risk are you actually taking on? In this episode Luke explores how your super is invested. Like most people, you probably haven’t look at it in a while. Luke is joined by Leon of 2CC to take a deep dive into this topic as well as offer some practical tips and actions you might consider taking to better manage asset allocation risk. 

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

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.  

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 31 October 2025. The topic for this week is: Share market record highs – What does it mean for investors? In this episode Luke explores the performance of the share market and proposes the question is now the time to take profit from your portfolio and put some money into cash? Luke is joined by Leon of 2CC to take a deep dive into this topic as well as strategies on how to manage the capital gains tax on your profits.

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

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.  

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 24 October 2025. The topic for this week is: Misconceptions about financial matters in 2025. Wrong information can be dangerous, expensive and limiting to you reaching your financial goals. Luke is joined by Leon of 2CC to take a deep dive into the assumptions and errors he’s heard from his own clients in 2025. Lots of areas of financial planning are explored. This podcast sorts the facts from the fiction.

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

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.  

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 17 October 2025. The topic for this week is: How much life cover do I need in my super? It’s a topic many people don’t think about but something you should come back to every year or two. It’s vitally important, and if something untoward was to happen to you. Most people would want their loved ones to be adequately provided for and understand the tax outcomes. Luke is joined by Leon of 2CC to take a deep dive into the issues you should think about when reviewing your life cover. 

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

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.  

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 10 October 2025. The topic for this week is: How do I start a pension from my super fund? Don’t be confused by the word pension, this has nothing to do with the Centrelink aged pension, it’s about turning your superannuation into a retirement income stream. Luke is joined by Leon of 2CC.

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:

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.  

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 3 October 2025. The topic for this week is: How much do I need in super to retire? If you’re in your 20’s and 30’s, retirement might seem like a long time off. If you’re in your 40’s, 50’s or 60’s plus, then it’s something you should start thinking about. With more time on your side, you have more superannuation and financial planning strategies available to you. Luke is joined by Leon of 2CC.

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:

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.  

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 26 September 2025. The topic for this week is: Is salary sacrifice the only way to get money into your super before you retire? No, it’s not, in fact salary sacrifice may seem ‘old school’, even though you can still do it. If you’re looking to boost your super savings this is a must listen to episode as you might be missing out on retirement planning opportunities. Luke is joined by Leon of 2CC.

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:

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.  

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 19 September 2025. The topic for this week is: What is a testamentary trust and why might you need or want it in your Will? Luke is joined by Leon of 2CC explore how a testamentary trust can provide you with greater certainty and protection in your estate planning. Go raiders if you’re following the NRL!

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:

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.