The Strategy Stacker - Luke Talks Money

By Luke SmithSociety & Culture Business Education Kids & Family Investing

The Strategy Stacker - Luke Talks Money episodes

March 02Luke on 2CC – How to turn super into a tax-free pension in 2026
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 27 February 2026. We’re at the end of February the year is flying! Luke is joined by Leon Delaney to talk about a topic that every working Australian will need to give consideration to at some point. The topic is: How do you turn your super into a tax-free pension and why it might make a difference for you? If you’re thinking about your retirement in 2026, or within the next 5 years, this episode will be very valuable to you.
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:
Do I just cash out my superannuation and put it into the bank? Yes you can if you want to pay tax!
What’s the better way to turn my super into an income stream and have that income be tax free?
A pension is the most tax effective vehicle in the superannuation environment.
When Luke talks about pension here, he’s talking about a pension from your super, not the Centrelink aged pension.
What are the benefits of a pension from your super?
What are the common questions Luke gets about retirement, super and pensions?
How much are you required to take from your pension account each year?
You probably have cashflow and tax planning strategies available to you at retirement. Do you know what they are and how to use them?
How often do you need to take a pension payment?
Why is it important to understand the different between a lump sum payment and a pension payment and how you take it out?
How do you start a pension? How old do I need to be?
Your preservation age (60, for people born after 1 July 1964) is not the same as your Centrelink eligibility pension age (67, as of 1 July 2023). You might be missing out on opportunities that you don’t even realise this thinking you have to wait until you’re 67.
Perhaps you could access your super as a pension and pay off your home loan while another partner doesn’t give up work.
Did you know that if you reach age 65, you don’t have to stop working if you don’t want to – but you can pull-out tax-free money from super.
How can you use the rules to your advantage? Luke talks about some of the strategies you might put to use to help you reach your goals.
Can you still add to superannuation if you have started a pension? It’s good strategy to help mitigate capital gains tax on sales outside of super.
Can you stop a tax-free pension once you’ve started it?
Luke shares his tips to help you start your retirement planning and pension journey.
https://www.envisionfinancial.com.au/wp-content/uploads/2026/03/The-Strategy-Stacker-Luke-Talks-Money-27022023.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice for your own tax-free retirement?
Would you like a tax-free pension from your super? Superannuation and retirement planning can be complex. Make an appointment to meet with Luke to explore your options and strategies before you retire. Make the most of your retirement strategies!
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.
18 min
February 23Luke on 2CC – How can you give your kids the greatest start in life financially?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 20 February 2026. The end of of Summer is almost upon us! Luke is joined by Leon Delaney to talk about a topic that is important for parents and grandparents. The topic is: How can you give your kids the greatest start in life financially? It’s not about hand-outs on silver spoons, it’s about what you teach them and a lot is learned through them watching what your own financial behaviour is like too.
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:
People, including kids, are a product of their environment. What environment will you create for your kids when it comes to money?
Language, information and behaviour should be positive and reinforced over time.
A little savings plan is a good way to start; it provides principles in practice and gives them a connection with financial decisions and outcomes.
Can technology help?
There’s a benefit to savings repetition, without an end date in mind – sure you can save for a specific thing, but you can also teach them to be long-term savers and investors.
Compound interest has really good positive benefits in the long-term. Luke gives an example.
There’s a real financial benefit of starting something for little ones when they arrive. Equally, it’s never too late to start.
Engage the kids, don’t just do it for the kids without involving them. This keeps them uneducated.
Luke believes if you’re simply given money or inherit it, most people will behave differently, to those that earned it. And while young kids might not understand the full mechanics, they learn something about it at an early age.
You can then build on these early learnings. For example, when they do get a job, they can add their own savings and take more ownership.
Remember you can amend what you save to invest at different stages of life.
Luke shares his tips to help you give your kids the greatest start in life financially.
https://www.envisionfinancial.com.au/wp-content/uploads/2026/02/The-Strategy-Stacker-Luke-Talks-Money-20062026.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial advice for your own financial goals?
Are you a parent or grandparent wanting to help your kids? Don’t just do it for them, involve them, show them and start with something small to make it real. If you need financial advice, make an appointment to meet with Luke.
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.
19 min
February 16Luke on 2CC – Catch-up concessional contributions: What are they? How do you do it?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 13 February 2026. Luke is joined by Leon Delaney to talk about a super strategy that is largely underutilised by most Australians. The topic is: Catch up concessional contributions: What are they and how do you do it? Most people know there is a limit on the amount of contributions you can make to your superannuation fund each year. But what you may not realise, if you don’t use your full amount, you are able to use those unused amounts in future years. This means you can claim an even bigger tax deduction which most people won’t say no to. There are a few rules to keep in mind.
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:
You can put in $30,000 a year into your super under the concessional cap. With indexation, this amount will rise to $32,500 from 1 July 2026.
What are the rules to using the concessional contribution cap?
You have less than $500,000 in your super account at 30 June of the previous financial year
You are able to look back 5 years to see what concessional contributions you haven’t used in each of your annual limits and use them.
You don’t have to use all of your catch-up amount in one go, you might space it out over a couple or more years.
By using this concessional cap space, you’re able to receive a larger tax deduction.
It’s important you think about using this opportunity as part of your overall financial plan.
Why might you use this opportunity?
If you have a large capital gain from the sale of an investment property, you could offset some of that tax liability with a tax deduction from a super contribution.
It’s a good opportunity for stay-at-home parents who haven’t been working, when they come back into the workforce to bolster their super. This allows them to catch up on the contributions they’ve missed out on and get a tax deduction.
When might this strategy not be the best course of action to take?
What other situations might this opportunity be advantageous?
What mistakes to people make with this strategy?
If your balance is approaching or over the $500,000 at the 30 June or approaching 30 June, which stops you being eligible to use this opportunity, is there anything you can do to lower your balance? There are a few strategies you may consider if you’re eligible to use them. This includes taking money out of super if you’re eligible to withdraw funds and paying off your mortgage.
Luke shares his tips to help you understand catch-up concessional contributions and use them as part of your financial planning. And don’t forget to lodge your notice on intent to claim the tax deduction! Without it, you won’t get your deduction.
https://www.envisionfinancial.com.au/wp-content/uploads/2026/02/The-Strategy-Stacker-Luke-Talks-Money-1302026.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with your catch-up contributions, super and retirement?
Did you know that you use catch-up concessional contributions space that you haven’t used in the previous 5 years? If you need help with boosting your super and retirement planning, make an appointment to meet with Luke.
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.
19 min
February 09Luke on 2CC – What is a Transfer Amount in the PSS and what can I do with it?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 6 February 2026. Luke is joined by Leon Delaney to talk about a super topic that is specific to people who have been employed within the Public Sector. The topic is: What is the Transfer Amount in the PSS and what can I do with it? The Public Sector Superannuation (PSS) Superannuation Scheme is a defined benefit scheme. This means it doesn’t work like a regular accumulation superfund and has special rules about how benefits are calculated and taken. The rules aren’t always easy to follow. The calculations to work out the benefits aren’t as straight forward as you might think.
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:
Many people look at their numbers and can’t figure out why they’re not getting the amount that’s on their paperwork.
What is a Transfer Amount in the PSS?
How do I work out what my Transfer Amount is?
Where did my Transfer Amount come from?
The PSS has special retirement rules. You can start a pension or take a pension and lump sum from the PSS at age 55.
What financial planning options are available to you if you have a Transfer Amount?
It’s important to know your concessional contribution limit if you plan to use a second super fund and seek a tax deduction for your super contributions to it.
You can start a concessional contribution strategy with a second super fund of your choosing.
If you’re over 60, you can rollover the Transfer Amount to start a Transition to Retirement strategy, outside of the PSS, with that money. This strategy is not available inside the PSS.
Of course, you’ll need to select a normal super fund (an accumulation fund) outside of the PSS to implement these strategies.
It’s important to note that the Transfer Amount, and what you do with it has no impact on the calculation of your benefits at retirement with the PSS.
What are the issues you may consider when selecting another super fund?
You can fund personal insurance in a super fund outside of the PSS too, using your Transfer Amount as a basis for starting that new fund.
Luke shares his tips to help you understand the Transfer Amount and consider your options.
https://www.envisionfinancial.com.au/wp-content/uploads/2026/02/The-Strategy-Stacker-Luke-Talks-Money-06022026.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with retirement planning in the PSS or what to do with your Transfer Amount?
If you have a Transfer Amount within your PSS, is it working hard for you? Make an appointment with Luke if you need help to do more with it. Luke can also help you with PSS retirement planning too.
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.
17 min
February 02Luke on 2CC – What happens if I hit the Transfer Balance Cap?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 30 January 2026. Luke is joined by Leon Delaney to talk about a super topic that causes many superannuation members heartburn. The topic for this week is: What happens if I hit the Transfer Balance Cap? What does it mean for my superannuation and retirement income? The transfer balance cap is an Australian superannuation rule that limits how much of your super you can move into a tax‑free retirement pension (an account-based pension). Many people dislike it because it restricts tax‑free earnings, adds complexity, and can create unexpected tax bills if breached.
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:
What is the Transfer Balance Cap?
How much is the cap in 2026? What will it be indexed to on 1 July 2026?
When is the Transfer Balance Cap triggered? It does not impact you if your money is still in super and it does not impact you if you start a transition to retirement legislation.
What makes up the cap? Defined benefit schemes are considered towards your Transfer Balance cap.
How do I work out how much my defined benefit scheme impacts the cap?
Not everyone will have the same Transfer balance cap, remember it is only triggered when you start your pension. Therefore, a person who started a pension three years ago will have a different transfer balance cap to a person who started one today. This means you need to understand the rules as they apply to your own situation – not someone else’s situation.
And while the Transfer Balance Cap is indexed each year, it doesn’t mean you get the full indexation applied to your own cap. Many people fall into the trap of thinking they are eligible for the full amount of indexation when they will not be. Let’s just say you have used 90% of your cap in the year of starting a pension. This means there’s 10% left. It also means you are only eligible for 10% of the indexation.
Remember, Total Super Balance rules deal with how much you can put in, Transfer Balance cap rules deal with tax when you start taking it out in retirement.
How is the tax relating to the Total Super Balance actually calculated? It’s not as bad as most people think!
Why is it important to get advice on this for your own retirement planning?
Luke shares his tips to help you understand the Transfer Balance Cap.
https://www.envisionfinancial.com.au/wp-content/uploads/2026/02/The-Strategy-Stacker-Luke-Talks-Money-30012026.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to work out your Transfer Balance Cap and how to manage it?
Retirement Planning can be complicated and with many rules and regulations to consider, it’s important you find and create your own retirement strategies and plan, for your own situation and goals. Make an appointment to meet with Luke if you need advice.
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.
17 min
January 26Luke on 2CC – What is the Total Super Balance?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 23 January 2026. Luke is joined by Leon Delaney to talk about a specific aspect of super that is poorly understood by most. The topic for this week is: What is the Total Super Balance (TSB)? Luke takes a deep dive into this topic, what it is and how it impacts your retirement planning.
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:
In past show’s we’ve talked about how much money you can put into super.
You can put in $120,000 tax free as a non-concessional contribution or 3 times that amount.
This is a great opportunity to boost super if you’ve inherited some money, sold an asset or want to boost a partner’s super balance before retirement
But there is a limit on how much you can put into super using concessional contributions; that’s the role of the TSB.
The total super balance is now $2 million.
This means once you reach that amount, you’re not longer eligible to make non-concessional contributions to super.
Therefore, you need to check your balance to see if you’re eligible to contribute using non-concessional rules. Many people fail to check.
You can however still make a concessional contribution to super, even if you’ve reached $2 million.
Total Super Balance is not the same as Transfer Balance Cap – the two terms are often confused. Total Super Balance determines your eligibility to make concessional contributions to super, while the transfer balance cap determines what tax, if any you might pay on your super.
What strategies can people consider if they’re close to the $2 million total super balance?
Couples should make use of the rules, to ensure both make the most of their individual TSB amounts.
Making concessional contributions is important for estate planning too, especially for adult children who benefit from your super or pension.
Those with defined benefit funds should also be aware the TSB rules apply to them; defined benefit funds are not exempt and have an amount recorded against them for the total super balance. Check with your fund to find out yours or in your Mygov account.
If you’re going to hold money outside of super, consider a family trust alongside your super or pension income.
Luke shares his tips to help you understand the TSB and make the most of your concessional contributions.
https://www.envisionfinancial.com.au/wp-content/uploads/2026/01/The-Strategy-Stacker-Luke-Talks-Money-23012026.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to work out your Total Super Balance or start retirement planning?
Do you know what your Total Super Balance is? It pays to know when you’re retirement planning so you can make the most of concessional contributions to super. Make an appointment to meet with Luke 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, 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.
18 min
January 18Luke on 2CC – Can I use the transition to retirement strategy to save tax?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 16 January 2026. Last week we spoke about the transitioning to retirement opportunity, how you can work less and take home the same pay using your super. This week we continue the transition to retirement strategy but focus specifically on how you can use the transition to retirement strategy to reduce your tax. Luke takes a deep dive into this financial planning strategy what it is, what the rules are and how it works.
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:
Did you know you can also use the transition to retirement strategy to boost your super and save tax?
The transition to retirement strategy can provide the funds you need to make a tax-deductible super contribution.
Everyone can make a $30,000 dollar contribution and get a tax deduction. This amount includes the contributions made from your employer.
As an example, if your employer puts in $15,000 into you still have $15,000 free to make your own contribution and get a tax deduction.
The are some rules around accessing the transition to retirement strategy, including you need to be over 60.
If you’re over 60, money taken from your transition to retirement account is tax-free. You don’t pay income tax on it.
Check that your super fund offers a transition to retirement option.
You need to still keep a super fund open for your employer contributions and your contributions which are eligible for the tax deduction.
What if I haven’t used my $30,000 limit in the past, is there a way to catch up? Yes there is!
The tax benefits for the catch-up contribution rules can be significant; tax is only 15% for super. Many people pay more than double that amount on the income tax on their take home pay each year.
Can I use the salary sacrifice strategy to get the same result? No not always, it really depends on your situation.
Apart from topping up my super, can I use the transition to retirement income to pay off a mortgage?
The transition to retirement strategy can also be used to lower your super balance under 500k, so you have the ability to get more in under the rules.
While the rules are complicated, there’s good financial planning opportunities to consider so think about your options.
Don’t forget to lodge your ‘Notice of intent’ if you wish to claim a tax deduction for your super contributions, with the super fund you made the contributions too.
Luke shares his tips to help you explore and start a transition to retirement pension to boost your super and save you tax.
https://www.envisionfinancial.com.au/wp-content/uploads/2026/01/The-Strategy-Stacker-Luke-Talks-Money-16012026.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to transition to retirement or retire fully in 2026.
Would you like to improve your retirement position and save tax? A transition to retirement strategy might be right for you. Make an appointment to meet with Luke if you need help to explore it.
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.
17 min
January 11Luke on 2CC – Can I reduce my work hours but still earn my normal wage?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 9 January 2026. We wish all our listeners a happy and safe 2026 and we welcome back Leon Delaney who is well rested from a holiday in Queensland. We turn to the topic for our second episode of the year: Is there a way to reduce my working hours but keep earning what I am earning? Many people at this time of year have enjoyed the break and the thought of 5 days on the tools or in the office isn’t that appealing. The good news is that there is a way to reduce your working hours and keep your income the same. It’s called the transition to retirement strategy and Luke takes a deep dive into what it is, what the rules are and how it works.
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:
Do you have the return to workplace blues?
The transition to retirement legislation is a great way for you to work less hours and top up your income from your super while you still work.
How does the strategy work to help you replace your income from working a shorter work week?
How do you start a transition to retirement from your super?
How old do I need to be to use this strategy?
How much income (pension) do I need to take from a transition to retirement pension?
You also need to have a conversation with your employer, to see if they’ll agree to you having a shorter work week!
If you take the maximum (10% of the account balance), which may be higher than what you need to replace your income, you may do several advantageous things with it, like putting it into an offset account to reduce your mortgage repayments, you could also put some back into your super and claim a tax deduction if you’re eligible to do so. You might also pay down debt with it.
Can I still use this strategy even if I don’t reduce my working hours? Yes you can! It’s a good way to pay off the mortgage for you too.
Can the strategy be used if you’re in the CSS or PSS?
Can the strategy be used in a self-managed super fund?
Do you need to change your underlying assets to use this strategy?
How do you start a transition to retirement pension?
Luke shares his tips to help you explore and start a transition to retirement pension.
https://www.envisionfinancial.com.au/wp-content/uploads/2026/01/The-Strategy-Stacker-Luke-Talks-Money-09012026.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help to transition to retirement or retire fully in 2026.
Would you like to improve your lifestyle by working less hours and maintaining your income? A transition to retirement strategy might be right for you. Make an appointment to meet with Luke if you need help to achieve your financial goals.
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.
17 min
January 06Luke on 2CC – Setting financial goals for 2026
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 2 January 2026. We wish all our listeners a happy and safe 2026. The topic for the first episode of 2026 is setting financial goals for the new year.
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:
Measure your expectations and then take action that is sustainable.
Knee jerk changes don’t work in the medium and longer term, so don’t try and do too much too quickly.
Start by thinking about where you want to go over the next 12 months.
Break the action down into smaller bite size chunks.
What have you got coming in, what have you got going out – understand where your money is going.
Look at your results on quarterly basis – not monthly, give yourself time to work towards the bigger goals.
Beware of social media – it’s a highlight reel of people’s life, you don’t actually know how they pay for it!
Micro investing apps are a great way to start investing and you don’t need much to start.
Work with your partner, if you’ve had one, get on the same page and do it together, it’s easier with you both going in the same direction.
Work towards your goals at a pace that works for you.
Removing the waste and the clutter – is a great way to also make a few dollars by selling what you don’t need.
Think about how automation can help you reach your goals, like setting up a savings plan or investment with regular contributions.
Luke shares his tips to help you step forward in 2026.
https://www.envisionfinancial.com.au/wp-content/uploads/2026/01/The-Strategy-Stacker-Luke-Talks-Money-02012025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need financial planning advice to help reach your 2026 goals?
2026 will be a big year for many people. Some will start retirement planning, and some will actually retire! If you need help, make an appointment to meet with Luke.
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.
0 min
December 21, 2025Luke on 2CC – 2025 in review, a new year is just around the corner!
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 19 December 2025. The topic for this week is a great show to end the series before the Christmas break. The topic: 2025 in review. It’s time to take stock of what’s been happening this year, including legislative changes and financial strategies to help you keep your eye on your goals in 2026.
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:
Good news for employees this year, your employer contributions rose to 12%, helping you save more for retirement.
The transfer balance cap and the total super balance both rose to $2 million dollars. Why is this important?
The proposal to tax unrealised capital gains was quashed. An increase tax was however passed on super balances over $3 million.
Downsizer legislation changed this year, it’s now available to those 55 and over, (it was 60 previously)
The super guarantee threshold was removed, even low income / part time workers are now eligible to receive super.
Converting preference shares are being phased out by APRA.
Contribution limits to super are still low, which is disappointing.
Don’t worry about proposals until the legislation becomes real. Governments will always float ideas.
Sharpen up your spending in 2026, know where your money is going.
Luke shares his tips to help you reflect on 2025 and think about your go forward for 2026.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/12/The-Strategy-Stacker-Luke-Talks-Money-19122025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Has your financial life met your expectations in 2025? Do you need advice in 2026?
The end of year is a great time to reflect on where you’re at and where you’d like to be. There’s been a number of changes this year that might be opportunities for your own financial situation. Make an appointment to meet with Luke if you need advice in 2026.
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.
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…