The Strategy Stacker - Luke Talks Money

By Luke SmithSociety & Culture Business Education Kids & Family Investing

The Strategy Stacker - Luke Talks Money episodes

May 15, 2023Luke on 2CC – Are all accountants the same?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 12 May 2023. Before they start the show Leon mentions the opinion piece Luke wrote for the Canberra Times this week, about how legislators could help close the super gap for females and provide better retirement outcomes. The topic however this week for the show is are all accountants the same?
Key topics covered include:
The end of financial year is just around the corner!
Your situation should determine what type of accountant you need. They’re not all the same.
Typically, there are three kinds of accounting firms.
How do accountants charge? Do you know what you’re going to pay?
How can you be proactive to keep costs under control?
Can accountants be specialists? Eg SMSF accountant.
Luke shares his top tips around shopping around for an accountant?
https://www.envisionfinancial.com.au/wp-content/uploads/2023/05/The-Strategy-Stacker-Luke-Talks-Money-12052023.mp3

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your personal financial planning?
Not all accountants are the same. Think about your needs and be as proactive as you can to ensure you get fair value. If you need financial planning advice, let’s see how we can help you achieve your goals.
Luke as a Financial Planner can refer you to an accountant at no cost . Luke himself can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance or retirement planning. 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 matter matters next week. 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 and Smart Money Strategy is out now.
19 min
May 07, 2023Luke on 2CC – How much can you put into your super?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 5 May 2023. The topic this week is an important one as we approach the end of financial year: How much can you put into your super?
Key topics covered include:
The end of financial year is just around the corner!
How do you figure out how much money you can put into super this year?
What are the specific questions to ask my super fund?
Do you have previous year cap space you can use too?
PSS members (and other defined benefit scheme members) check your statement for the cap space you have
How do you make a contribution to your fund?
Have you completed your ‘Notice of intent’ form to claim a tax deduction?
Luke shares his top tips around contributing to super before the end of the financial year.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/05/The-Strategy-Stacker-Luke-Talks-Money-05052023.mp3

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your super or retirement plan?
Do you know how much you can put into super this financial year and claim a tax deduction for? Super can be complicated, so seek advice if you need help. Don’t leave it until the end of financial year to make your contributions as they need to be received by your super fund by the 30 June deadline.
Luke as a Financial Planner can refer you to a mortgage broker at no cost to help you get a better home loan. Luke himself can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. 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 matter matters next week. 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 and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.
19 min
April 30, 2023Luke on 2CC – How to get a better home loan
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 28 April 2022. The topic this week is an important one for mortgage holders and first time home buyers: How to get a better home loan? With rising interest rates and costs of living, every dollar counts.
Key topics covered include:
With rising costs of living and rising interest rates, securing a better home loan is more important than ever.
Be mindful of your spending, it impacts how you will be viewed.
Getting a better loan is like going on a first date, you’ve got to put your best foot forward.
Get your loan to value ratio as low as possible.
Are your income and expenses in order – know your numbers.
Can you show your savings behaviour?
Is it better to go to a bank or a mortgage broker?
Bring credit card limits down or shut them down, you’ll be assessed on your credit limits, not what you’re using.
If you’re in business with finance needs consider government grants, crowd funding and venture capital options too.
Luke shares his top tips to get a better home loan outcome.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/04/The-Strategy-Stacker-Luke-Talks-Money-28042023.mp3

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to get a better home loan?
Regardless of if you’re an employee or a business owner, in an environment with rising interest rates and costs of living, getting a better deal on your loans can help put you in a better financial position. Seek advice if you need help.
Luke as a Financial Planner can refer you to a mortgage broker at no cost to help you get a better home loan. Luke himself can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. 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 matter matters next week. 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 and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.
19 min
April 24, 2023Luke on 2CC – How do you transition to retirement (and fund super contributions from it)?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 21 April 2022. The topic this week though is an important one for those thinking about leaving work. How do you transition to retirement from full time work and can you get a tax deduction along the way as you continue to boost your super while working? It surprises many people to learn they have more options at retirement – it’s not just stopping work!
Key topics covered include:
What is a transition to retirement pension?
You don’t have to give up work to start one.
How much money can you take from a transition to retirement pension?
Do you know your preservation age, the age you can access your super?
Many people don’t realise that they can also use their pension payment to make a deposit back to super.
Personal contributions can be tax deductible too!
Do you know your ‘caps space’, the amount you can claim as a tax deduction from a super contribution?
Don’t forget your notice of intent, it’s the paperwork to claim a deduction and you lodge it with your super fund.
You don’t have to give up work to use a transition to retirement strategy.
Luke shares his top tips to consider when transitioning to retirement.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/04/The-Strategy-Stacker-Luke-Talks-Money-21042023.mp3

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to transition to retirement or create a retirement plan?
If you’ve reached your preservation age, you can start a transition to retirement pension while you’re still working. Depending on your ‘cap space’, you might also be able to claim a tax deduction for making a contribution to super! Seek advice if you need help to create a retirement plan.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. 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 talk about financial planning on 2CC on 21 April 2023. 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 and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.
17 min
April 17, 2023Luke on 2CC – Defined benefit funds and income tax deductions
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 14 April 2022. Both Luke and Leon return to the studio after last Friday’s Good Friday public holiday. They start the show by talking about Luke’s just released new book ‘Smart Money Strategy’. The topic this week though is an important one – Defined benefit funds and income tax deductions – can you lower your income tax?
Key topics covered include:
CSS PSS – Government Super Funds
DFRDB MSBS – Military Super Funds
How do they differ from other types of accumulation super funds?
How can you use your defined benefit fund to reduce your taxable income?
Do you know your contributions cap?
Did you know you can use another accumulation fund as well as your defined benefit fund?
Don’t forget your notice of intent!
What should you consider if you want to lower your taxable income when you have a defined benefit fund?
https://www.envisionfinancial.com.au/wp-content/uploads/2023/04/The-Strategy-Stacker-Luke-Talks-Money-14042023.mp3

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to make the most of your defined benefit super and retirement savings?
If you haven’t looked at your defined benefit fund in a while and considered your concessional contributions cap, you could be missing out growing your retirement savings and getting a personal income tax deduction. Seek advice 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. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. 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 talk about financial planning on 2CC on 21 April 2023. 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 and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.
19 min
April 02, 2023Luke on 2CC – Smart Money Strategy Interview with Leon Delaney
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 31 March 2022. Leon Delaney returns to the studio with Luke and continues the conversation about Luke’s new book which is out now: Smart Money Strategy – Your Ultimate Guide To Financial Planning. The book is published by Wiley.
Key topics covered include:
Should 2CC change the name of the show from Money Matters to Smart Money Strategy?
Why understanding your thoughts and feelings about money is a good place to start when thinking about your financial life.
What is strategy stacking and also how does it work?
Not all financial planning strategies are right for everyone at every point in their life
Building your strategy stackings will change as your life changes, this is because your goals change
Thinking about budgeting differently – it’s not about denial, instead it’s leverage for a better strategy stack to help you achieve your goals
Unlike other books, this book is primarily written for an Australian audience and it’s an all age book.
Who is the book for? It is certainly for those interested in improving their financial life
Why respecting your earnings is an important foundation.
How to get the most out of Smart Money Strategy to help you achieve your goals.
Finally and for more information click here or the book banner below.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/04/The-Strategy-Stacker-Luke-Talks-Money-31032023.mp3

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Would you like to put some smart money strategies to work for your own financial life?
Would you like to learn about the financial planning strategies that financial planners use with their clients to help them reach their goals? Smart Money Strategy is the book you’ve been waiting for. Learn some new strategies to help you reach your own goals!
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. 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 talk about financial planning on 2CC on 14 April 2023, as next Friday is Good Friday. 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 and Smart Money Strategy – Your Ultimate Guide to Financial Planning is out now.
19 min
March 27, 2023Luke on 2CC – Smart Money Strategy Book, Part 2
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 24 March 2022. This weeks topic Luke continues the conversation about his new book that was officially launched this week – Smart Money Strategy – Your Ultimate Guide To Financial Planning is out now.
Key topics covered include:
How did the Smart Money Strategy Book launch go?
Financial planning strategies will be different for people in different life stages
Regardless of your age, it comes down to your why – your own goals
Cashflow drives the ability to make decisions and will impact the financial house you build
One of the drivers for the book was to improve financial knowledge
Better financial knowledge, delivers better behaviour and outcomes
Good information provides you with more options and more choices
Why Smart Money Strategy was written in the way it was.
Luke shares some key takeouts from the book and mentions he’s appearing on the Today Show on Sunday 26 March.
For more information click here or the book banner below.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/03/The-Strategy-Stacker-Luke-Talks-Money-24032023.mp3

Also available on Apple Podcasts and Spotify – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice to help you reach your goals?
Do you need some help you reach your goals? Luke’s new book ‘Smart Money Strategy’ is a great place to start exploring the financial planning strategies that financial planners use with their clients. By growing your knowledge you have access to more options.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. 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 talk about financial planning on 2CC next Friday. You can also catch up with The Strategy Stacker – Luke Talks Money podcast.
We look forward to your company again and sharing more news about the book that’s coming 20 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.
16 min
March 20, 2023Luke on 2CC – Pre-launch, Smart Money Strategy Book
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 17 March 2022. This weeks topic is: Smart Money Strategy. Luke gives his first interview about his new book that goes into print and electronic bookstores from 20 March 2023.
Key topics covered include:
Why we don’t get around to planning for ourselves
When should you start thinking about your financial plan?
Why is strategy important?
Are there strategies for different life stages?
The process of strategy, structure and then investments
The importance of setting goals
Different strategies at different life stages
Why did you write the book ‘Smart Money Strategy’
Where is the book available from?
https://www.envisionfinancial.com.au/wp-content/uploads/2023/03/The-Strategy-Stacker-Luke-Talks-Money-17032023.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice to help you reach your goals?
Do you need some Smart Money Strategy to help you reach your goals. Perhaps Luke’s new book is an easy way to start before seeking advice. If you need help, make an appointment.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment, for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You may also catch up with The Strategy Stacker – Luke Talks Money podcast.
We look forward to your company again and sharing more news about the book that’s coming 20 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.
16 min
March 14, 2023Luke on 2CC – How is super taxed? What is the rate?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Matters show which aired on Friday 10 March 2022. This weeks topic is: How is super taxed and what is the tax rate that’s applied. All working Australians have superannuation but do you know how the tax works? Key topics covered include:
Tax depends on the status of your account – are you in the working phase or retirement phase?
In the working phase, it’s a flat rate of tax – 15%
However, if you earn more than 250k, you’ll pay a higher rate – and additional 15%
If you however move to the retirement phase and take a pension and are over 60, you pay no tax – 0%.
What about capital gains tax in the working phase and in the retirement phase?
If you exceed more than $1.7 million in super what happens at retirement and what are your options?
Are there any other strategies that might be useful around how super is taxed?
How does transition to retirement work?
Luke share’s his top tips around making the most of super and retirement options.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/03/The-Strategy-Stacker-Luke-Talks-Money-10032023.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice on super and retirement planning?
For the average Australian, you pay less tax on your super than most other savings vehicles. In this regard, it’s a gift. Super is a great way to grow retirement savings. Seek advice 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. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment, for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You may also catch up with The Strategy Stacker – Luke Talks Money podcast.
We look forward to your company again and sharing more news about the book that’s coming 20 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.
19 min
March 06, 2023Luke on 2CC – Non-concessional contributions allow you to get money into super quickly
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Matters Show which aired on Friday 3 March 2022. This weeks topic is: How to make non-concessional contributions to super. However Luke and Leon start the show by talking about the recently proposed Super tax increase on high superannuation balances. Luke explores what the changes really mean.
Key topics covered include:
What is a non-concessional contribution to super
What is the limit of non-concessional contributions you can put in to your super every year?
Good news – you don’t need to be working to make this type of contribution (up to the age of 75)
When might you make a non-concessional contribution to super?
Are there any estate planning issues you should consider as part of this strategy?
Are there any other limits you need to check?
Luke share’s his top tips around making non concessional contributions to super.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/03/The-Strategy-Stacker-Luke-Talks-Money-03032023.mp3

Also available on Apple Podcasts and Spotify ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice on non-concessional contributions to super?
Non-concessional contributions are a great way to boost your super quickly. Think about the order in which you make contributions and estate planning consequences too. Seek advice 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. Make an appointment to confidentially discuss investment, super, insurance and/or retirement planning. Call Envision Financial Services on 6260 4749. You can also use our contact us form to make an appointment, for a confidential discussion about your situation.
Luke will return to talk about financial planning on 2CC next Friday. You may also catch up with The Strategy Stacker – Luke Talks Money podcast.
We look forward to your company again and sharing more news about the book that’s coming 20 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.
18 min

About The Strategy Stacker - Luke Talks Money

From the publisher's feed

Luke Smith is The Strategy Stacker. He's an experienced financial planner and each Friday afternoon talks about money with Leon Delaney on 2CC Talking Canberra. Luke's down to earth approach breaks…