The Strategy Stacker - Luke Talks Money

By Luke SmithSociety & Culture Business Education Kids & Family Investing

The Strategy Stacker - Luke Talks Money episodes

February 15, 2021Luke on 2CC – Retiring with an account-based pension
How do you turn your super into income when you retire?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 12 February 2021. This week’s topic: What is an account-based pension and how does it work? But before they start talking financial matters, Luke is more than just a little excited, he’s just taken his first ride in a helicopter and arrived at 2CC in the field next to the car park. You’ll hear in his voice how much he loved it.
In recent weeks Luke has looked at growing your super. Last week he spoke about transitioning to retirement from full time work. This week Luke explores the account-based pension. Many Australian’s use this investment vehicle to turn their superannuation savings into a retirement income stream.
Key highlights include:
You’re retiring from the workforce and you want to turn your super into pension payments to help fund your retirement
Underlying investments don’t need to change – despite what some people might think
Pension payments can be taken fortnightly, monthly, quarterly or even less often, depending on what your provider offers
Earnings on account-based pensions are tax free. And if you held shares or other investments in the fund, you don’t pay capital gains tax when you sell them in this pension phase.
The transfer balance cap however does apply if you have more than $1.6 million in your pension fund.
So what is the transfer balance cap and how is this tax calculated?
Why is the transfer balanced cap indexed?
Once you start a pension, can you add more contributions to super?
What are the Centrelink implications of an account-based pension?
It’s possible to have an account-based pension and a Centrelink pension, depending on your circumstances
Explore the other benefits too – discounts on electricity, licensee fees and pharmaceuticals, they all add up
Some strategies to think about while considering your own plan for retirement
A free appointment offer to talk about your own financial planning goals. Everyone has different goals and financial planning advice can help you achieve them more effectively, especially when you link different strategies.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2021/02/The-Strategy-Stacker-Luke-Talks-Money-12022021.mp3

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

Do you need advice to set up a retirement plan?
Can an account-based pension help you fund your life in retirement? Seek advice if you need help to make 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. Retirement planning can be complicated, but the good news is you can make an appointment to speak with Luke about your superannuation and retirement strategy – including the account-based pension.
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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.
22 min
February 08, 2021Luke on 2CC – Transition to retirement pension
Have you heard about this pathway to retirement?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 29 January 2021. This week’s topic: Transition to retirement pension – what is it and how does it work?
In recent weeks Luke has looked at how to boost your retirement savings before you retire from work. This week Luke explores a pathway to retirement, called the ‘transition to retirement’ pension. While many people who are exploring their retirement options might have heard of this, few really understand how it can work effectively for them, until they seek advice.
Key highlights include:
When it comes to retirement – most people would like to retire sooner.
What does retirement mean to you? For Luke it means being able to afford to spend your time as you’d like to.
The modern idea of retirement is not all or nothing, now many retirees are happy to work part time. So with this in mind, if you reduce your work hours, you can top up your earnings with a payment from your super, through a transition to retirement pension.
How much of an income can you take as a pension payment from your super? What is the minimum or maximum you can take? There are rules around how much you can have, so it’s important to plan your transition to retirement to make sure it financially works for you.
Transition to retirement might also be available for people who find themselves with reduced hours, through no fault of their own and through an event like Covid.
Can income from a transition to retirement pension be tax free? It depends on your age and a few other things!
A transition to retirement pension can also be used to pay down debt or receive a tax deduction by putting money back into your super or your spouses super. So it can be more than just an income strategy, depending on your situation.
If you haven’t made super contributions, you can use the catch up legislation to boost your super before you fully retire, using potentially tax free money from your transition to retirement pension, while you work reduced hours.
Luke’s top tips using the transition to retirement pension strategy and strategies you might consider. It’s also an opportunity for people who have defined benefit super fund and a spouse who doesn’t.
A free appointment offer to talk about your own financial planning goals. Everyone has different goals and financial planning advice can help you achieve them more effectively, especially when you link different strategies.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2021/02/The-Strategy-Stacker-Luke-Talks-Money-05022021.mp3

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

Do you need advice on the transition to retirement pension pathway?
Transition to retirement can be about securing an income and reducing your work hours. It can also be about boosting your super or paying down debt. Seek advice if you have questions.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Retirement planning can be complicated, but the good news is you can make an appointment to speak with Luke about your superannuation and retirement strategy – including the transition to retirement pathway.
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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.
18 min
February 01, 2021Luke on 2CC – How to contribute to super – Part 2
A strategy to contribute to super can help your retirement
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 29 January 2021. This week’s topic: Contributing to superannuation – Part 2.
Luke takes a look at ways people can contribute to super and in this episode he takes a deep dive into non-concessional contributions and the $1.6 million contributions cap. Luke and Leon however start the show by talking about the Australian Open, it’s just around the corner and most of the players have been let of out of hotel quarantine. Some of them haven’t been very kind about being locked up in a hotel for 14 days, but there’s no special rules for tennis players.
Key highlights include:
Retirement sneaks up on you, the sooner you start, the more time on your side you have.
So what are non-concessional contributions to superannuation?
You might have money for a non-concessional contribution by saving it, the sale of an asset, inheritance, or a lotto win.
Because you don’t claim a tax deduction, you can put in $100,000 per year (not $25,000). You can also add $300,000 all at once, if you’re under 65, but time limits apply on when you can next make a non-concessional contribution.
People also need to be mindful of the transfer balance cap which applies to your super balance.
Can I make a non concessional-contribution to super if you’re 65? Yes you can, if you meet the work test.
Where else can you use this contribution type to set yourself up for a better retirement? Consider your spouse!
The facts about the $1.6 million contribution cap – it doesn’t mean you can’t have more than that in super, it’s just the amount your can enjoy as tax free earnings in your retirement.
What are some key strategies you might consider around non-concessional contributions and the contribution cap?
A free appointment offer to talk about your own financial planning goals. Everyone has different goals and financial planning advice can help you achieve them more effectively, especially when you link different strategies.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2021/02/The-Strategy-Stacker-Luke-Talks-Money-29012021.mp3

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

Do you need advice on contributing to your own super?
Seek advice about how to use non-concessional contributions to boost your super savings and the contributions cap.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Simple super isn’t very simple, but the good news is you can make an appointment to speak with Luke about your superannuation and retirement strategy.
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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.
20 min
January 24, 2021Luke on 2CC – How to contribute to super?
A strategy to contribute to super can help your retirement
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 22 January 2021. This week’s topic: Contributing to superannuation.
Luke takes a look at ways people can contribute to super, the limits that apply to super contributions and how you can actually make a contribution to your account. In this episode, Luke talks about how simple super isn’t really that simple. Super however is worth spending some time on. You might be able to save some tax as well as increase the funds you have available for your retirement.
Key highlights include:
It’s not surprising things are confusing, the simple super system isn’t so simple.
Many people have depleted their super in order to get through the Covid Financial Crisis.
Contributing to super can help grow your retirement nest egg. Starting early and contributing often can make a difference over time.
Generally there are two ways to make a contribution to super. A concessional contribution (which means you get a tax deduction). A non-concessional contribution (which means you don’t get a tax deduction).
Contribution caps means that you have a $25,000 limit on the amount you can put into super each year and get a tax deduction.
If you go over your contributions cap, you might be able to use the carry forward contribution legislation, by using unused contributions from the previous financial year.
Currently employers are required to contribute 9.5% of you wage to super. Just say that’s worth $15,000. As a $25,000 cap applies, this means you have the opportunity to contribute $10,000 and receive a tax deduction.
If you’re with PSS and CSS or another Government super scheme, check your fund websites and login to check your concessional cap – these funds operate differently.
The other kind of contribution you can make is a non-concessional contribution or a non-deductible contribution – this means you put money into super and don’t get a tax deduction.
There’s also a limit on non-concessional contributions and it’s $100,000 per year, but there is a special opportunity of up to $300,000 under the carry forward rules. This is a great way for pre-retirees to boost their super.
If you retire with an account based pension balance of up to $1.6 million – the income and earnings from that account are tax free.
There are opportunities for over 60’s still working to use a pension to fund tax deductible contributions to super.
If you’re self employed, there’s also strategies from the sale of a business to get money into super you might explore.
Is there a difference between a super fund and a self managed fund with regard to making super contributions?
What are the strategies for super contributions you might consider?
A free appointment offer to talk about your own financial planning goals. Everyone has different goals and financial planning advice can help you achieve them more effectively, especially when you link different strategies.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2021/01/The-Strategy-Stacker-Luke-Talks-Money-22012021.mp3

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

Do you need advice on the contributing to super strategy?
Seeking advice is an easy way to set up a contribution strategy to your super.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. Simple super isn’t very simple, but the good news is you can make an appointment to speak with Luke about your superannuation and retirement strategy.
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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.
20 min
January 17, 2021Luke on 2CC – Super fees, are you paying too much?
Are you getting value from the super fees you pay?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 15 January 2021. This week’s topic: Superannuation fees – it’s worth the effort to take a closer look.
Luke takes a look at what you’re paying in super fees. Many of us have probably never thought about how much our super fund is charging to have our account with them. Fees do vary though and as Luke points out taking the time to take a look can save you money. In this podcast Luke tells us about the kinds of fees we should be looking out for and how to figure out if we’re getting a good or bad deal. Of course, if you need help, seek financial advice. There is help available.
Key highlights include:
All superannuation funds charge fees, and some of them make it hard to find the fees.
Different funds apply different fees, so not all of them might apply to you.
What are the kinds of fees you should look out for?
Administration fee
ICR – Internal Cost Ratio or Indirect Cost Ratio
Borrowing costs
Property costs
Transaction costs
Larger accounts might benefit from a self managed fund, which typically have fixed fees
Can you save money with fees?
What do you actually need in a super fund?
How to move super funds if you want to change your fund.
Some things to consider before you switch to a new fund
Buy and sell fees
Capital gains tax
What is fair and reasonable in regard to fees? Luke outlines specific ranges for fees
Luke’s top 3 tips for reviewing your own super
A free appointment offer to talk about your own financial planning goals. Everyone has different goals and financial planning advice can help you achieve them more effectively, including reviewing your super.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2021/01/The-Strategy-Stacker-Luke-Talks-Money-15012021.mp3

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

Do you need help to review your own super fund fees?
Take a closer look, see if you can save money on your super fees. 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. He can also help you review your superannuation fund to make sure you’re not paying too much. Will 2021 be the year you make sure your super is working hard for you?
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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.
20 min
January 10, 2021Luke on 2CC – New Year Financial Resolutions
What are your financial goals for the new year?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 8 January 2021. This week’s topic: Setting your new year resolutions – including financial goals.
Luke takes a look at setting financial goals for 2021. Many of us are glad to see the start of a new year and hopefully better days ahead. All Australians were impacted by Covid in 2020. We’re delighted that the trend of low case numbers continues across the country, given the outbreak on Sydney’s northern beaches late last year. Setting resolutions though can be hard, and keeping them throughout the year is perhaps even harder. In this episode, Luke talks about how to set achievable financial goals for the year ahead.
Key highlights include:
Farewell to 2020. We’re glad to see that year in the rear view mirror.
Think about your goals across different time frames. Not everything needs to happen today.
Goals can be set as either short term, medium term or long-term goals, and they can dovetail into each other.
If you don’t achieve a goal, that’s ok. Hit re-set and try again. Also, don’t forget about reviewing your goals.
Now’s a great time to check your spending – especially on things like super, insurance, loans (interest rates) and other spending that you might not have thought about. Work out your living costs and get rid of the things you don’t need.
Comparing your goals with someone else’s goals can be dangerous. Everyone’s situation is different.
Don’t be unrealistic with your goal setting. Being unrealistic often leads to disappointment.
Reward yourself for achieving your goals! Remember to celebrate your success.
Be consistent with good behaviour. Good behaviour is likely to have the biggest impact on your success in the long-term.
Luke shares his top 3 tips for 2021 to help you get started, and
A free appointment offer to talk about your own financial planning goals. Everyone has different goals and financial planning advice can help you achieve them more effectively, especially when you link different strategies.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2021/01/The-Strategy-Stacker-Luke-Talks-Money-08012021.mp3

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

Do you need advice to help you achieve your financial goals?
Seek personal financial advice if you need help to achieve your financial goals in 2021!
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals. So where are you heading in 2021? Is this the year you’re going to save and invest or perhaps a retirement plan is on your mind?
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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.
19 min
January 05, 2021 Luke on 2CC – Make the most from your property sale
Ask the expert, Luke McAuliffe joins Luke on 2CC
Luke Smith joins 2CC Talking Canberra 1206AM. The Money Show aired on Friday 11 December 2020 and the topic: How do I get the most from a property sale?
Financial Planner Luke Smith this month is joined by a number of experts he uses to answer financial questions that have a specialist requirement. This week, Luke and Leon at 2CC are joined by Luke McAuliffe, a Real Estate Agent who shares his knowledge and experience on how sellers can get the most from the sale of their property.
Key highlights include:
• Has the sale of property been impacted by Covid?
• Why the ACT property market has been resilient?
• Why it’s important to factor in a rate rise if you’re buying
• Luke’s top tips for property sellers
– Is your property ready for sale?
– Only use qualified trades people to fix repairs
– Professional styling for photos, videos and inspections, invest in marketing
– Should you repaint your property before selling it?
– Downsizing is an increasing trend, especially for people approaching retirement, and there are financial planning opportunities.
– How to select the right agent to sell your property and the questions to ask them
• A free appointment offer to talk about your own financial planning goals. Everyone has different goals and financial planning advice can help you achieve them more effectively, especially when you link different strategies.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2020/12/The-Strategy-Stacker-Luke-Talks-Money-11122020.mp3

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

Do you need to sell your own property?
Seek advice if you need help with a property sale.
Luke Smith at Envision Financial is happy to refer you to Luke McAuliffe, Real Estate Agent at no cost. Luke McAuliffe can provide you with information about selling your own property in Canberra. You can call Luke on 0433 33 8429.
Luke Smith as a Financial Planner can help you set up a financial planning strategy to help you achieve your investment and retirement goals, including property downsizing strategies.
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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 from 4.30pm. Listen live or visit our website again to catch up on the podcast. You can also check out our YouTube Channel at Envision Financial Canberra.
22 min
December 20, 2020Luke on 2CC – Christmas spending
How to keep control of the budget this festive season
Luke Smith joins 2CC Talking Canberra 1206AM. The Money Show aired on Friday 18 December 2020 and the topic: Keeping control of the Christmas Budget.
Financial Planner Luke Smith takes a look at Christmas spending. Christmas has always been a time of year which can place increased pressure on spending. Given covid this year, that pressure is likely to be even greater. But Christmas shouldn’t be about breaking the bank. In this episode, Luke joins Leon to talk about how to be financially smart this festive season.
Key highlights include:
Where does the pressure to spend come from?
Are you buying something they want – Why not ask them?
Limit gift buying to the kids
Expectations from your kids and the need to manage them, get them to create a list
How to put in place some good habits when it comes to Christmas spending
Setting up a savings account for Christmas – plan before you get there for next year
Avoid personal loans and credit cards, you’ll end up paying more than you need to
Remember what Christmas is really about – it’s not actually about spending
Luke’s top 3 tips for spending at Christmas
A free appointment offer to talk about your own financial planning issues. Everyone has different goals and financial planning advice can help you achieve them more effectively, especially when you link different strategies.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2020/12/The-Strategy-Stacker-Luke-Talks-Money-18122020.mp3

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

Do you need advice about your spending and savings?
Being financially prepared can help you achieve your goals. The same rule applies to Christmas spending too!
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, which can include budgeting, super, investment retirement and more.
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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.
Thank you to everyone who has joined our radio show and podcast this year. Luke will return to talk about financial planning on 2CC and in The Strategy Stacker – Luke Talks Money podcast in January 2021. We hope you have a safe and Merry Christmas and we look forward to joining you again soon.
20 min
December 07, 2020Luke on 2CC – Setting a Will and Enduring Power of Attorney
Ask the expert, Mark Poretti joins 2CC
Luke Smith joins 2CC Talking Canberra 1206AM. The Money Show aired on Friday 4 December 2020 and the topic: What legal documents do you really need?
Financial Planner Luke Smith takes a look at the topic of estate planning. For some people setting a Will is confronting topic, for others it’s something they haven’t yet got quite around to. Every parent however should have a Will in place. In this episode, Luke and Leon are joined by Mark Poretti from Trinity Law, to talk about Wills and more.
Key highlights include:
What is a Will?
What happens if you pass away and don’t have a Will?
Did you know that your superannuation is not automatically covered by your Will?
Can you leave someone out of a Will?
What is a testamentary trust and how is it tax effective?
What is an Enduring Power of Attorney and how does it work?
Can an Enduring Power of Attorney operate if I am away for work or on holidays?
A shout out to our podcast listeners who are growing in numbers inside and outside of Australia!
A free appointment offer to talk about your own financial and estate planning issues. Everyone has different goals and financial planning advice can help you achieve them more effectively, especially when you link different strategies.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2020/12/The-Strategy-Stacker-Luke-Talks-Money-04122020.mp3

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

Do you need advice about your financial and estate planning?
Do you have an up-to-date Will? Make the time to sort your estate plans.
Luke Smith at Envision Financial is happy to refer you to Mark Poretti of Trinity Law at no cost. Mark can provide you with information about Wills, Attorneys and other estate planning matters. You can call Mark on 02 6163 5050 to have a discussion and 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, which can include super, investment retirement and more.
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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 from 4.30pm. Listen live or visit our website again to catch up on the podcast. You can also check out our YouTube Channel at Envision Financial Canberra.
22 min
November 30, 2020Luke on 2CC – Money and your kids
What should you do to help your kids financially?
Luke Smith joins 2CC Talking Canberra 1206AM. The Money Show aired on Friday 27 November 2020 and the topic: Money and your kids.
Financial Planner Luke Smith takes a a look at the topic of how parents help their kids. Of course every family is different, but all parents have the ability to help their kids set good habits and financial values. In this episode, Luke talks to Leon about how starting good behaviours early, can help set a path for a good financial life.
Key highlights include:
Why education about the value of money is important
What’s the benefit of saving and having kids engaged in the process?
How should pocket money work and why should earning it matter?
Should you set up a savings account or invest for a kid?
Should you charge your kids rent if they’re living at home and working?
How can parents to lend money for their kids to help them buy a home, and why should it be formalised?
Use technology where you can, it’s engaging to kids who never are without their phones.
Lukes key points about educating your kids about money.
A free appointment offer to talk about your own financial planning issues. Everyone has different goals and financial planning advice can help you achieve them more effectively, especially when you link different strategies.
Listen to the Podcast right now
https://www.envisionfinancial.com.au/wp-content/uploads/2020/12/The-Strategy-Stacker-Luke-Talks-Money-30112020.mp3

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

Do you need advice about your own financial life?
Good money habits can start early – Parents can help set good habits.
Luke Smith at Envision Financial can help you set up a financial planning strategy to help you achieve your investment and retirement goals. We’re very pleased to let you know that we’ve returned to the office for appointments given Covid-19.
Envision 2CC offer: Your first appointment is at our cost. Make an appointment to confidentially discuss your own investment, super or retirement goals. 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 from 4.30pm. Listen live or visit our website again to catch up on the podcast. You can also check out our YouTube Channel at Envision Financial Canberra.
19 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…