The Strategy Stacker - Luke Talks Money

By Luke SmithSociety & Culture Business Education Kids & Family Investing

The Strategy Stacker - Luke Talks Money episodes

February 27, 2023Luke on 2CC – Catch-up concessional contributions, a great idea to boost your super
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 24 February 2022. This weeks topic is: Catch-up concessional contributions to super, what are they and how can they help you live comfortably in retirement?
Key topics covered include:
What are catch-up concessional contributions?
What’s the limit you can put into super each year?
The legislation allows you to look back and use up the limits you didn’t use
What are the key rules to using this strategy?
An example of using this strategy
What situations might you use this strategy?
How does this strategy work with a transition to retirement strategy?
How do you use this strategy – Don’t forget your notice of intent
Luke share’s his top tips around using the catch-up contributions strategy.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/02/The-Strategy-Stacker-Luke-Talks-Money-24022023.mp3

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

Do you need financial advice around super or retirement planning?
Superannuation can be complicated, but catch-up concessional contributions are a great way to boost your retirement savings. If you need help seek advice.
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 14 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.
19 min
February 19, 2023Luke on 2CC – How to make super contributions without salary sacrificing through work
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 17 February 2022. This weeks topic is: Making contributions to super, without salary sacrificing through work?
Key topics covered include:
Is salary sacrificing the only way to get money into super? It’s not!
There are more options now, but many people don’t know them
You can now make a personal deductible contribution and claim a tax deduction
What are the advantages of doing it yourself and not through your employer? There are some real advantages!
How much can you put in?
What is a notice of intent and why is it important?
Can you take money out of super if you’re over 60 and re-contribute it to super? What’s the advantage of it?
Make sure you get your contributions into super before June 30
Luke share’s his top tips around making super contributions without salary sacrificing.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/02/The-Strategy-Stacker-Luke-Talks-Money-17022023.mp3

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

Do you need financial advice around super or retirement planning?
There are other ways to make contributions to your super other than your employer. Super can be complicated, so seek advice if you need help with your own retirement plans.
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 14 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.
18 min
February 13, 2023Luke on 2CC – Super Splitting – What is it? How does it work?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 10 February 2022. At the start of the show Leon talked about Luke’s new book ‘Smart Money Strategy’ This week Luke received an advance author copy, due for release 14 March 2023. This weeks topic is: Super splitting – what is it and how does it work?
Key topics covered include:
Can you really split your super with your partner?
What kinds of superannuation contributions can you split?
How much can you super split?
When can you split your contributions?
Why would you split your super with your spouse? It’s about the younger spouse getting access to super sooner (and perhaps retiring sooner)
Do you do it once, or do you have to split super every year?
Luke share’s his top tips around super splitting, as part of a retirement strategy.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/02/The-Strategy-Stacker-Luke-Talks-Money-10022023.mp3

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

Do you need financial advice around super splitting or retirement planning?
Super splitting is a useful strategy that couples can use to help with their retirement planning. If you need help please seek personal advice.
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 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 14 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.
19 min
February 06, 2023Luke on 2CC – Debt and cashflow, make a plan to take control
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 3 February 2022. This weeks topic is: How to get rid of your debt and cashflow pain in 2023. Luke joins Leon in the studios at 2CC to talk about taking control in 2023.
Key topics covered include:
It’s a new year and a good time to make a plan
Life is expensive, and it could be about to be getting more expensive with mortgage rates rises
A good place to start is checking your rate – a mortgage broker can help you refinance if required
If you need help ask for help, consider if interest only an option for you?
Consider security you can offer the bank to improve your loan to value ratio, it might give you a better rate
Use offset accounts to reduce credit card debt, typically the rate on your credit card is much higher than you home loan
What about interest free cards as a payout option?
Car leases can also be costly too
Luke share’s his top tips about saving money on your home loan and reducing debt
https://www.envisionfinancial.com.au/wp-content/uploads/2023/02/The-Strategy-Stacker-Luke-Talks-Money-03022023.mp3

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

Do you need financial advice to help reduce debt and take control?
Debt and cashflow stress can cause all kinds of financial problems, especially in an environment with rising home loan rates. Seek advice if you need to. Act early and take control in 2023.
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 can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming 14 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning. Visit thestrategystacker.com.au to find out more or click on the below banner.
19 min
January 29, 2023Luke on 2CC – How does financial planning work?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 27 January 2022. This weeks topic is: What is the financial planning process and how does it work? Many Australians haven never sought the advice of a financial planner. So if you do decide to go and seek personal advice, what should you expect?
Key topics covered include:
Don’t be afraid to seek advice
Come to the meeting with your objectives or an idea of what you’d like to achieve (including with your partner)
Bring your financial information along
Think about your timeframes too, e.g. if you’re retiring from work or would like to
Financial advice should be provided to you in writing
Make sure you understand the advice, ask questions
What happens after the first meeting?
How does the cost of financial planning work?
Luke share’s his top tips about seeking financial advice for yourself
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-27012023.mp3

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

Do you need financial advice to help you reach your goals?
Making financial decisions by yourself can be complex, especially with changing rules with super and retirement. 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 can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming 1 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning. Visit thestrategystacker.com.au to find out more or click here.
19 min
January 22, 2023Luke on 2CC -Top 5 Questions from 2022
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 20 January 2022. This weeks topic is: Luke’s top 5 questions from 2022? This show looks back at the things that Luke was asked the most from people in his role as a financial planner last year. But before they start the questions, Luke answers a question from a listener.
Key topics covered include:
Listener question from last weeks show: Why can’t you live in a property that’s owned by your self managed super fund?
How much do I need to retire?
When can I get my money from super?
Is the age I can get money from super the same date I can get the aged pension?
How do I fund my retirement from my super?
How do I start a pension when I retire and what are the rules around it?
Luke shares his top tips on super fund structures.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-20012023.mp3

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

Do you need personal financial advice to answer your questions?
Luke Smith answers his top 5 financial planning questions from 2022. If you have questions about financial planning, you don’t have to go it alone. Seek advice and get the help you need.
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 can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming 1 March 2023 – Smart Money Strategy – Your Ultimate Guide to Financial Planning.
20 min
January 16, 2023Luke on 2CC – Are all super funds the same?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 13 January 2022. Leon’s back in the studio this week from Christmas break. This weeks topic is: Are all super funds the same? For most Australians, super is the biggest asset outside of the family home so it’s worthwhile spending some time to make sure you’re in a fund that’s working hard for you.
Key topics covered include:
Most people don’t think about the fund as an investment structure, they think about the investments and return.
These things however a different, today’s show talks about the structure, and specifically the features of your fund
What kinds features should you look for?
How do self managed super funds differ?
What’s the difference between a personal (retail) fund and an industry super fund?
How can people check if they’re in the right fund?
What about fees?
Luke shares his top tips on super fund structures.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-13012023.mp3

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

Do you need financial advice to help you assess your super fund?
Are you in the right super fund structure to help you achieve your goals? Seek advice if you need help to review your options and get your retirement savings moving in the right direction.
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 can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
19 min
January 09, 2023Luke on 2CC – Fees on super, how much are you really paying?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 6 January 2022. Leon’s on holidays this week so Luke has a guest co-host. This weeks topic is: Assessing your administration fees and other fees on your super. As we enter the new year, it’s a good time to make sure you’re getting fair value on the costs associated with retirement savings. Over many years those fees can really add up.
Key topics covered include:
When was the last time you checked what you’re paying?
Fees often reflect features – are you in the right kind of super fund?
What kind of super funds are there and how do features and fees change?
What is an ICR and why does it matter?
What other costs are there?
How do you make a change? Start with your funds Product Disclosure Statement.
Can a fixed fee option be used or investments like exchange traded funds help you reach your goals?
Luke shares his top tips on reviewing fees on super.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-Talks-Money-06012023.mp3

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

Do you need financial advice to help you assess your super fund?
Over time, fees on your super fund can really add up. Take some time to make sure you’re getting fair value for the features you need. Seek advice if you need to.
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 can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
17 min
January 09, 2023Luke on 2CC – Why short term goals make sense
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 23 December 2022. This is the last show of 2022 and we wish all listeners a Merry Christmas. This weeks topic is: Why short term goals make sense.
Key topics covered include:
The new year provides an opportunity to re-set
Set realistic goals
Set short term time frames – repeated over time, they turn into medium and long term goals
Do something small a little sooner, compounding interest helps!
Why rewards for reaching goals are important
There are a many places to save – such as savings accounts, offset accounts and super funds
Don’t go it alone, setting goals with others
How can you change your behaviour to reach your goals?
Luke shares his top tips on setting financial resolutions for 2023.
https://www.envisionfinancial.com.au/wp-content/uploads/2023/01/The-Strategy-Stacker-Luke-talks-Money-23122022.mp3

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

Do you need financial advice to help you reach your goals?
Setting short term goals are easier to achieve than long term goals, but repeated over time they turn into medium and long term goals. Seek advice if you need help to set up 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 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 can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again in 2023. Merry Christmas to our listeners.
21 min
December 19, 2022Luke on 2CC – 2023 New Year Resolutions
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 16 December 2022. This week Leon is back in the Studio with Luke. This weeks topic is: Planning ahead, New Year Resolutions for your finances.
Key topics covered include:
There’s lots of resolutions but let look at some financial ones
When it comes financial goals, start with your spending (budget)
Start something a little sooner, means less radical changes later in life
Save a few dollars here and there provides you with the ability to save (actively saving)
If you can raise your income, keep you spending the same – and save too
Use technology to your advantage and automate if it helps
Where do you start to find savings?
There’s also the option of clearing out the things you don’t need or use anymore
Don’t pay the lazy tax!
Credit cards – how can you use them to your advantage
Use cash and leave the cards at home
Do what’s right for you
Set short term goals – do something between Jan and March, then assess and review.
Luke shares his top tips on setting financial resolutions for 2023.
https://www.envisionfinancial.com.au/wp-content/uploads/2022/12/The-Strategy-Stacker-Luke-Talks-Money-16122022.mp3

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

Do you need financial advice to help you reach your goals?
What will your financial resolutions be for 2023? Perhaps starting an investment portfolio or perhaps planning for retirement? Seek advice if you need to.
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 can also catch up with The Strategy Stacker – Luke Talks Money podcasts on our website too.
We look forward to your company again and sharing more news about the book that’s coming in 2023!
20 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…