The Strategy Stacker - Luke Talks Money

By Luke SmithSociety & Culture Business Education Kids & Family Investing

The Strategy Stacker - Luke Talks Money episodes

December 15, 2025Luke on 2CC – Misconceptions about financial matters – Don’t let them cost you money!
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 12 December 2025. The topic for this week is one that everyone can learn from as we head towards Christmas. In this episode Luke shares the most common misconceptions about financial matters he’s heard from clients this year. There’s a lot of information out there, but not all of it is good and some of it is from people who aren’t qualified on social media chasing more followers. This podcast aims to separate the facts from the fiction and provide you with the right information to start thinking about your own financial planning journey.
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:
I’ve retired and I can’t add any more to super. So that option closed to me. That’s not correct!
Can I start a new pension if I already have one? Yes you can and there might be good reasons to do it.
Can I stop a pension once I start it? Yes you can, you could roll it back to super, add more money in and re-start a new pension.
If my super balance is over 500k today, I can’t use the catch-up legislation, that means I’m not eligible – not true, 30 June of the previous financial year is the balance they consider.
I can only make a contribution of 10% to PSS Super. That’s not correct, you may make a contribution to another super fund and get a tax deduction too.
My kids won’t be taxed on my super if I pass away. If they’re adult children, they will.
If I don’t want an industry super fund, I have to get a SMSF – no there’s another option, a retail personal super fund.
SMSF’s are the most expensive option when it comes to super – with a high account balance they’re actually the cheapest.
My Will looks after my superannuation if I pass away. No correct, you’ll need to get a death nomination from your super fund.
I need to combine all my super into one fund. No there are reasons to have more than one, depending on your goals which might also include insurance and estate planning.
Luke shares his tips to help you navigate financial planning matters.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/12/The-Strategy-Stacker-Luke-Talks-Money-12122025-1.mp3

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

Do you need help sorting out your own financial planning opportunities?
Acting on the wrong information can be costly, and the pathway to making the most of your investments, super and retirement is not always clear. Make an appointment to meet with Luke if you need help and get some personal advice for your situation and help achieve 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, 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
December 08, 2025Luke on 2CC – Can I gift money and assets to my children?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 5 December 2025. The topic for this week is one that will affect many parents. Can I gift assets to my children? Increasingly Australian parents if they can afford to are gifting money and assets to their adult children to help them start out in life, perhaps to help them buy their first home or help with the deposit. The short answer is yes you can, but there might be consequences.
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:
Yes you can gift anything to anybody you want
Is gifting a tax event? Is there a gift tax in Australia?
If you sell an asset to gift you might be liable for capital gains tax.
Should you give a financial gift or should loan it to them instead with a proper agreement?
What are the implications of gifting from a Centrelink perspective?
What are the Centrelink gifting rules?
You might be assessed as owning the asset, even though have gifted it, in the eyes of Centrelink.
Even though Centrelink will want to know about loans you make, having formal paperwork offers you protection should a breakup occur for example between your child and their partner if you were to lend them money to buy a home.
Does moving money between spouses trigger gifting rules? The answer is no!
Why might you gift between spouses?
If you’re not retired, be mindful of what impacts gifting to children will have in the future on your Centrelink entitlements.
Remember there’s also benefits to a part-pension even if you’re not entitled to the full aged pension.
Remember gifting has a wide definition in the Centrelink rules.
Luke shares his tips to help you navigate gifting to your spouse and your children.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/12/The-Strategy-Stacker-Luke-Talks-Money-05122025.mp3

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

Do you need help assessing if gifting is the right financial decision or how you might do it?
Are you thinking about gifting to adult children? It might pay you to seek advice before you do, so you understand the consequences of making such a gift. Make an appointment to meet with Luke and seek personal financial advice for your individual situation.
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
December 01, 2025Luke on 2CC – How to avoid tax from super when you die
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 28 November 2025. The topic for this week is one all Australians need to pay attention to as not taking the right action can cost you tens of thousands of dollars in tax. This week Luke explores how to avoid tax on super when you die. Did you know that if you leave super to non-dependants they are taxed? While we don’t have any death taxes in Australia this looks and acts like it. Seeking good advice about financial planning including estate planning in regard to super and pensions can deliver you with more certain outcomes.
But before they start the show Luke and Leon have a quick chat about the new Bureau of Meteorology website which cost taxpayers $98 million dollars! Let’s hope someone is held accountable for this outrageous waste of public money.
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:
If you’re over 60 your super is tax free – but only for you!
Luke shares the experiences in his office where there’s client disbelief about such a tax on super could exist!
How does tax on super work?
Remember that are two components of super in tax terms, a taxable component, and a tax-free component.
The taxable component is the one you need to pay attention to in regard to tax when you pass.
How do I find out what my taxable component is?
The tax applies to those who are over 18 and are non-dependant.
How can I turn the taxable component into a tax-free component? It’s a little tricky but not impossibly complex.
Essentially you make use of the re-contribution strategy.
How much can I put back into super so it will be a tax-free component?
Make sure you re-contribute it as a tax-free contribution.
Luke provides an example of the strategy in action.
Remember, when you start a pension the tax outcomes are locked in depending on your components.
It therefore is important to plan sooner rather than later!
Can you have a second super and second pension account – Yes you can and it makes sense in the case of the recontribution strategy.
Luke shares his tips to help you navigate the tax on super issue and using the re-contribution strategy.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-28112025.mp3

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

Do you need help planning your super, retirement and estate planning?
How to avoid tax on your super when you die? Luke thinks it should definitely be part of a retirement plan, but most people think we don’t have death taxes in Australia. 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 can also refer you to an estate planning solicitor within his network at no cost.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
20 min
November 24, 2025Luke on 2CC – The Asset Test for the Age Pension
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 21 November 2025. The topic for this week is the Centrelink Asset Test. This test is one of two tests or assessments that Centrelink will do around assessing your eligibility for government aged pension income benefits. The other test is the Centrelink Income Test. Luke explores the Asset Test in detail. As the end of year approaches, he’s been receiving lots of questions on this topic as many people start to think about retirement next year. Seeking good advice about retirement planning can give you a more certain and more confident retirement income.
But before they start the show Luke answers a listener’s question: Can I withdraw money from my transition to retirement pension, place it in a bank account and gift it to my children? In short, yes you can!
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
What is the difference between the income test and the asset test?
What does the asset test include?
Remember the family home is exempt!
If you have an investment property the value less any debt on the property is recorded as an asset.
Under the asset test, what total assets can you have as a couple?
Remember, this test gets indexed. While you may not be eligible today, you might be eligible in a year of two.
A part pension still provides you with the other benefits on offer!
Which test determines what pension you get? Is it the Asset test on the Income test?
How does gifting money affect your age pension entitlements?
Do gifting rules apply to a spouse?
Does my younger spouse’s super form part of the Asset test?
What does deeming mean and how does it affect Age Pension entitlements?
Understand the impact of downsizing and how it impacts before your Age Pension before you make decisions.
Luke shares his tips to help you understand how the Asset Test works when you apply for the Age Pension and some strategies you may consider.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-21112025.mp3

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

Do you need help with strategies and planning for your retirement?
Retirement planning should consider your eligibility for income through the Age Pension. The Assets Test is one of the assessments Centrelink will make. Seek advice if you need help to understand the rules before you apply.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to an estate planning solicitor within his network at no cost.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
19 min
November 17, 2025Luke on 2CC – What’s the difference between a binding and non-binding nomination in your super?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 14 November 2025. The topic for this week comes from one of our listeners: What is the difference between a binding and non-binding nomination in your super? This listener question is an important one – especially given that the value of your super is probably one of the biggest assets you might have outside of your family home. Luke explores the differences and gives some examples too. Seeking good advice can help you achieve greater estate planning certainty, and an estate planning solicitor should be involved.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
What is a binding nomination in your super?
Who can you make a binding nomination to?
What is a non-binding nomination in your super?
Why would you choose one over the other?
Most people don’t realise that your Will has no power over your super.
Remember tax issues when you’re estate planning
How does a non-binding nomination work?
Can I direct my binding nomination in my super to my Will?
Tax planning is also an important part of your estate planning.
Blended families and kids at different ages throw up estate planning challenges, but they can be solved with the right advice.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-14112025.mp3

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

Do you need help managing your financial and estate planning?
Superannuation and estate planning is complex. Adding blended families and children at different ages also makes things challenging but not impossible to solve. Seek advice to help you get more certain outcomes.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to an estate planning solicitor within his network at no cost.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
18 min
November 10, 2025Luke on 2CC – Asset allocation risk – Check how much you are really taking on!
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 7 November 2025. The topic for this week is: Is it time to take a closer look at your asset allocation risk? How much risk are you actually taking on? In this episode Luke explores how your super is invested. Like most people, you probably haven’t look at it in a while. Luke is joined by Leon of 2CC to take a deep dive into this topic as well as offer some practical tips and actions you might consider taking to better manage asset allocation risk.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Markets go up and they go down.
But how well do you know what risk you’re carrying inside your super?
A balanced investment option might not actually be balanced in terms of defensive and growth assets, that is 50:50.
Has your investment portfolio been set and forget?
Is it time to explore what you’re invested in?
When markets pull back, what will you lose if you’ve been complacent.
Look at the pie chart where your money is invested from your super provider
Growth assets include international shares, Australian shares, property, infrastructure
Defensive assets include cash, fixed interest, international fixed interest and the like
If we do see a pull back, International and Australian shares could see declines given how well they’ve been performing
When reviewing assets remember to think about diversification – volume is not diversification
Remember you can also change what future contributions are made to, so you could start bolstering defensive assets if you felt that was appropriate for your risk management.
Luke shares his top tips when thinking about your asset allocation and reminds us that asset allocation management is an ongoing concern.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-07112025-1.mp3

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

Do you need help managing your asset allocation in super, investments and retirement?
Do you have the right asset allocation in your super and investments and are you happy with the risk you’re carrying? If you need help with 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.
17 min
November 03, 2025Luke on 2CC – Share market highs, is it time to take some profit?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 31 October 2025. The topic for this week is: Share market record highs – What does it mean for investors? In this episode Luke explores the performance of the share market and proposes the question is now the time to take profit from your portfolio and put some money into cash? Luke is joined by Leon of 2CC to take a deep dive into this topic as well as strategies on how to manage the capital gains tax on your profits.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Share markets have been performing well, much better than average returns.
When share markets are high, it’s hard to find value when buying shares.
Is now the time to take some profits?
What are the dangers of set and forget investing?
Unexpected events can cause large swings in value when stocks have been trading high.
How much of your assets are tied up in one investment?
If you do sell down some funds, where will you put the available cash next?
Can you de-risk your portfolio?
If there’s a correction, can you buy back what you’ve sold when it’s cheaper?
How do you make the most of the money you take from profit?
What strategies should I consider when taking profit?
What about capital gains tax? How can I reduce the tax?
How much money should I keep in cash?
What about covid like events? Can your investment portfolio better weather market events.
Luke shares his top tips when taking profit and managing your investments when markets are performing well.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/11/The-Strategy-Stacker-Luke-Talks-Money-31102025.mp3

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

Do you need help managing your investment and retirement savings?
When markets are booming is now the time to take some profit and reduce some risk? If you need help managing your retirement and investments, 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.
18 min
October 27, 2025Luke on 2CC – Misconceptions about managing finances
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 24 October 2025. The topic for this week is: Misconceptions about financial matters in 2025. Wrong information can be dangerous, expensive and limiting to you reaching your financial goals. Luke is joined by Leon of 2CC to take a deep dive into the assumptions and errors he’s heard from his own clients in 2025. Lots of areas of financial planning are explored. This podcast sorts the facts from the fiction.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key misconceptions covered include:
I can’t add to my super if I have retired
I’ve reached my transfer balance cap, so I can’t put more money into super
I can’t claim a tax deduction if I’m not working for my super contribution
If I have a capital gain tax issue on an investment I’ve sold, I can’t claim a tax deduction for a super contribution
I can only make a contribution to the PSS if I’m a member of that fund
I can’t claim a tax deduction for a super contribution if I am a member of the PSS – there is a strategy around this!
I want to leave my super to kids and they won’t pay tax on it when I pass
An industry super fund will allow you to control franking credits and income
A self-managed super fund is expensive
I need at least $10,000 to start investing
Estate planning myths
And a whole lot more!
Luke shares his top tips when managing your finances. Seek advice and apply the rules that apply best to your situation.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-24102025.mp3

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

Do you need help exploring your financial planning opportunities?
The old saying that knowledge is power still holds true. Misconceptions can cost you a lot, and not just financially. Make an appointment to meet with Luke to explore your financial planning opportunities and make decisions with the right advice to help you get more certain outcomes.
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
October 20, 2025Luke on 2CC – How much life cover do I need in my super?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 17 October 2025. The topic for this week is: How much life cover do I need in my super? It’s a topic many people don’t think about but something you should come back to every year or two. It’s vitally important, and if something untoward was to happen to you. Most people would want their loved ones to be adequately provided for and understand the tax outcomes. Luke is joined by Leon of 2CC to take a deep dive into the issues you should think about when reviewing your life cover.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Does you super fund offer life insurance and do you have it?
Life insurance cover can be held inside of super and also in your own name.
The outcome however is not the same and if you think it is, it’s a wrong assumption!
A good place to start is to think about why you want life cover. What peace of mind and financial benefits should it provide?
Should you have it inside super or outside of super?
What are the benefits of holding life insurance inside super?
Can you hold life insurance in a policy and get your super fund to pay for it?
Are there risks of taking a policy out from the TV?
You need to think about where and to whom the money will be paid. There are very BIG tax issues to consider that most people do not!
Is there a way to structure life cover so your beneficiaries don’t pay tax for non-dependent children?
You need to think about life cover as a living issue, children grow up. When they turn 18 they will be considered non-dependent children and be liable for tax if the policy is held inside super.
Review your cover annually to take into consideration your changing needs and situation.
Do you have the right estate planning document in place, for example, a Testamentary Trust in a Will.
Do you have binding or non-binding death nomination in your super? Has it lapsed?
Good estate planning advice can get you better outcomes than you can achieve by yourself.
Can you have life cover inside your super and outside of your super? Or can you only have one option?
Luke shares his top tips when considering life insurance cover. Seek advice and apply the rules that apply best to your situation.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-17102025F.mp3

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

Do you need help planning your life cover properly?
Reviewing life cover gives families peace of mind that they will have the financial outcomes they need. If you’ve got doubts or questions, make an appointment to meet with Luke as part of your bigger financial planning 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.
19 min
October 13, 2025Luke on 2CC – How do I start a pension from my super?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 10 October 2025. The topic for this week is: How do I start a pension from my super fund? Don’t be confused by the word pension, this has nothing to do with the Centrelink aged pension, it’s about turning your superannuation into a retirement income stream. Luke is joined by Leon of 2CC.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
What do you need to do to access your super? You need to meet a condition of release.
At retirement, you don’t need to cash out your super at retirement
You simply switch hats, from an accumulation hat (money going in) to a pension hat (money coming out)
Did you know once you start a pension from your super, the tax on your money fall from 15% to 0%.
That’s right, earnings on the pension from you super are tax free in retirement.
Equally, you can sell investments in the pension phase and there is on capital gains tax either.
You can start a pension from you super by talking to your super provider to see if they offer a pension from super product – an account-based pension
Yes, there’s paperwork to start a pension from super so you will need to complete some forms
How often would you like your pension paid to you?
Is there a minimum amount of pension income you need to take each year?
If you haven’t fully retired, you can still take some money from your super, it’s called a transition to retirement
Can you use a transition to retirement strategy to pay off the mortgage with tax free money?
What are the benefits of bolstering your super before you retire?
What if you want to take all the money out of your super or pension, can you?
Are transition to retirement pensions tax free too, if you’re not fully retired?
Luke shares his top tips when considering turning your super into a transition to retirement pension or account-based pension.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-10102025.mp3

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

Do you need help starting a pension from your super?
Retirement planning can be complex. Most people don’t deal with super and retirement like a financial planner does or understand the strategies available. Use the expertise of a financial planner if you need to. 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.
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…