The Strategy Stacker - Luke Talks Money

The Strategy Stacker - Luke Talks Money

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The Strategy Stacker - Luke Talks Money episodes

  • Luke on 2CC – Ways to get more money into super for a tax free retirement!

    Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 25 July 2025. The topic for this week is: What ways are available to get more money into super for a tax-free retirement? Most Australians now realise that saving into super provides tax free income in retirement. It comes about as a result of the special kind of structure superannuation is. Savings outside of super will incur tax just like they do while you’re working. Luke is of course joined by Leon Delaney of 2CC.

    Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

    Key topics covered include:

    • Employers are required to put money into super for employes. Click here for details on how much you should get.
    • There are ways you can bolster your super too, other than via your employer.
    • How much can you put it and get a tax deduction?
    • The government has a limit on how much of a tax deduction you can get, it’s called the concessional contribution cap.
    • What are the ways you can put money into super and get a tax deduction starting now? There are a couple of ways to do this!
    • Don’t forget about the catch-up legislation, which is one way you can increase your current tax deduction for this year. Rules apply.
    • Many people don’t realise that they can also put money into super without getting a tax deduction too. There’s also a limit on how much you can put in one year of $120,000.
    • There is however another way to get more in, using the bring forward rules. This means you can put in up to $360,000 in one go, however, please check the rules to make sure you’re eligible. 
    • You can also use the downsizer legislation, if you’re looking to downsize your primary residence. You can use money from the sale under the downsizer contribution to super rules. This way is in addition to all of the above ways too. 
    • Why would you save more into super? Tax free income and earnings in retirement! This includes capital gains tax.
    • If you’re an employer, the capital gains tax small business concessions are worth considering too, which can help you bolster your superannuation before retirement. 
    • How do you start a tax-free pension from super?
    • Luke shares his top tips to consider when looking at getting more money into super 
    • https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-25072025.mp3
       
      Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

       
      Do you need help to get your retirement planning sorted for a tax-free retirement?
      Superannuation is a very effective vehicle to save into an enjoy a tax-free retirement. It can however be complicated so 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.  


      16 min
    • Luke on 2CC – How much risk should I carry in my super fund?

      Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 18 July 2025. The topic for this week is: How much risk should I carry in my super fund? There’s often a big gap in the risk you think you’re carrying and the actual risk you are carrying. In this episode, Luke reflects on a client conversation he had in the past week and offers some information and practical steps you can consider when assessing the risk around your own retirement savings. Luke is of course joined by Leon Delaney of 2CC.

      Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

      Key topics covered include:

      • Many people hear the word superannuation fund and think risk – that’s not right.
      • Instead think of super funds like vehicles, they all have different strengths and features – industry super funds, personal super funds, self-managed super funds.
      • What you do with the vehicle you have determines your level of risk.
      • Specifically, risk is determined by how your superannuation is invested determines risk – it’s called ‘your asset allocation’.
      • What is balanced? There’s no standard industry agreement or government regulation. A balanced label from one fund will have a different mix of growth and defensive assets to another!
      • How do I determine what my superannuation is invested in?
      • What are growth assets? What are defensive assets?
      • How else can you manage risk in your retirement savings?
      • What are the ways you can manage risk if you are approaching or already retired?
      • Luke takes a deep dive into asset class and investment diversification
      • Why being too defensive is also a risk.
      • Luke shares his top tips to consider when looking at risk in your super and retirement savings.
      • https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-18072025.mp3
         
        Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

         
        Do you need help to manage risk in your super/retirement and plan ahead?
        Super is complex and without consideration, you might be taking more investment risk than you need to. Most Australian’s don’t deal with superannuation and retirement issues every day, like Luke does as a financial planner. If you have questions or concerns, and need a plan to move forward, make a personal 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
      • Luke on 2CC – How much money do I need to retire?

        Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 11 July 2025. The topic for this week is: How much money do I need to retire? It’s a common question asked by those approaching retirement. In this episode, Luke provides some practical ideas and actions to help you think about your own retirement planning. Luke is joined by Leon Delaney, who is back from his break and back in his regular chair at 2CC. 

        Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

        Key topics covered include:

        • It’s a simple question but it can be complicated
        • It shouldn’t be about a number, as the number will be different for everyone, so what do you need?
        • It’s also not about having the same amount of money forever; you spend less as you age
        • A good place to start is thinking about your fixed costs and ancillary costs, and Luke explains what they include
        • What debt will you have in retirement?
        • What resources will you have in retirement to fund what you need? Working part-time could also provide add to your income.
        • How you generate your retirement income is a key consideration and there are different approaches
        • How much should you draw down from your assets as an income?
        • Travel and bucket list items are important too!
        • The age you can access your super (Age 60) is different to the age you can access the Centrelink Aged Pension (Age 67). Centrelink can provide a stable source of income in your retirement too. 
        • In summary, Luke shares his top tips to help you get started on your own retirement planning journey.
        • https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-11072025.mp3
           
          Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

           
          Do you need help to start your own retirement planning? 
          Where will your retirement plans take you and do you have enough? Most people want to retire with confidence, being able to do the things they want to do and having enough so they don’t run out. Make an appointment to meet with Luke if you need help with your retirement planning.

          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.  


          16 min
        • Luke on 2CC – Changing your habits to achieve your financial goals sooner!

          Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 4 July 2025. The topic for this week is: Start changing your habits in the new financial year to help you achieve your medium and long term goals. Change can be hard at any point, but the new financial year provides you with an opportunity to review where you are at, as it coincides with pulling together the information you need to complete your personal tax return. In this episode Luke provides some practical ideas and actions to help you get started. This week Luke is again joined by Richard Perno. Long time listeners will remember Richard from his earlier 2CC days. Leon is still on leave.

          Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

          Key topics covered include:

          • Where do you start? 
          • Do you have clarity on where you money is going and what your actual expenses are?
          • Is there waste in your current spending? For example, do you really need 6 streaming services?
          • Is there stuff in the garage or around the house that could be sold? There’s value in second hand like never before!
          • Assess what fears are stopping you from making a start – challenge them and step forward anyway.
          • Can you use automation and technology to start saving and investing?
          • Why long term behaviours provide you with the benefits of compounding.
          • If  you have no self control, consider using salary sacrificing to save for the longer term. 
          • Start small with your new goals. Remember you’ve got to walk before you can run. 
          • What happens if I have a partner who is raising kids?
          • Luke challenges listeners to get started, even if you start with something small.
          • In summary, Luke shares his top tips to help you get started.
          • https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-04072025.mp3
             
            Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

             
            Do you need help setting goals and financial planning strategies to help you move forward with more confidence?
            In this episode Luke challenges listeners to step forward in the new financial year. You don’t have to start with a lot of money. Good financial habits over time helps achieve your goals. If you need help with financial planning strategies, 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 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.  


            16 min
          • Luke on 2CC – How to start a pension from super – understanding the rules to get you started

            Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 27 June 2025. The topic for this week is: How to start a pension from super? Over the past few weeks in the lead up to the end of financial year, Luke’s had some interesting client conversations and there appears to be a lot of misinformation about how you turn your super savings into a retirement income stream. This show seeks to shed light on those issues to help you sort out the facts from the fiction. 

            Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

            Key topics covered include:

            • What makes you eligible to start a pension from your super?
            • Can you return to work after you retire and start a pension from your super?
            • If I have more than one job, did you know that you could leave one job and still be eligible to start a pension?
            • Do you cash out all of your investments to start a pension? No you don’t!
            • How much super do you use to start a pension and how much will you get paid from it?
            • How often can you receive a payment from your pension?
            • Did you know the earnings within your pension are tax free and the income comes out to you are tax free?
            • Did you know you pay no capital gains tax for asset sales inside a pension?
            • Think about what might need to live on in retirement, it helps you set a goal.
            • Is there a minimum you need to take from your pension as income over a year?
            • How does a Centrelink aged-pension fit with a pension from super?
            • In summary, Luke shares where to find more information.
            • https://www.envisionfinancial.com.au/wp-content/uploads/2025/07/The-Strategy-Stacker-Luke-Talks-Money-27062025.mp3
               
              Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

               
              Do you need help building your super, retirement planning or starting a pension from super?
              There is a lot of misinformation about super and retirement. Remember you don’t need to go it alone. Make an appointment to meet with Luke if you need help to unlock your super and retirement 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 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.  


              16 min
            • Luke on 2CC – Setting goals and habits for the new financial year

              Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 20 June 2025. The topic for this week is: Setting new habits and goals for the new financial year. Over the past several weeks Luke has been talking about end of financial year planning and the actions you may consider completing. While there is still a little bit of time to make super contributions, check with your fund about their end of year contribution closing date so you’re not disappointed. This week Luke looks at the new financial year with guest host Rod Henshaw. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

              Key topics covered include:

              • Good behaviours – setting goals and habits – underpins success
              • Do you know what you live on? Start by knowing where your money is going
              • Once you know where it’s going, is there any waste?
              • What could you do with that money you find? Remember you don’t have to start with alot
              • Have you considered micro investing? Can you automate savings?
              • Can a micro investing app help?
              • Time is also your friend 
              • If you’re closer to retirement, can you salary sacrifice into super to save, whist saving some tax?
              • Set short term goals and reward yourself when you achieve them
              • Think about the stuff around the house that you don’t use. Can you declutter and sell it?
              • Lean into your strengths
              • Luke shares his top tips to think about when setting goals and habits for the new financial year
              • https://www.envisionfinancial.com.au/wp-content/uploads/2025/06/The-Strategy-Stacker-Luke-Talks-Money-20062025.mp3

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

                Do you need help with your super, retirement or personal financial planning issues?
                At the start of a new financial year, it’s a great time think about where you’re going over the next 12 months. Do you have retirement or investment plans? Make an appointment to meet with Luke about personal financial planning strategies that can help you reach your own goals.

                Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, 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 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
              • Luke on 2CC – Maximising your tax deductions before 30 June!

                Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 13 June 2025. The topic for this week is: Maximising your tax deductions before the end of the financial year. With the end of financial year just around the corner, now is the time to take action before June 30!

                But before exploring this topic, Luke makes an appeal to anyone who works at Canberra Hospital to talk to reach out to him on a sensitive client matter. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

                Key topics covered include:

                • In previous episodes Luke’s spoken about deductible super contributions and starting a pension to fund those contributions
                • But there are other types of deductions you might also consider at this time
                • Can you pre-pay expenses which a tax deductible? Examples can include Interest on a margin loan, interest on an investment home loan, income protection premiums, self employed instant asset right off – up to 20k each year.
                • Good accountants should be proactive in coming to you with these kinds of strategies. If you’re accountant hasn’t contacted you, then go and ask them now!
                • There’s nothing wrong with getting yourself in the best position possible.
                • How much money can you place into super and get a tax deduction for?
                • Make the most of your catch up contributions and claim them too!
                • Check your catch-up space with your super fund
                • Not all super funds accept contributions right up until 30 June 2025, so check with your own fund as to their cut-off date. 
                • Luke shares his top tips to think about as we approach the end of the financial year.
                • https://www.envisionfinancial.com.au/wp-content/uploads/2025/06/The-Strategy-Stacker-Luke-Talks-Money-13062025.mp3

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

                  Do you need help with your super, retirement or personal financial planning issues?
                  How relaxed will you be as we approach the end of financial year? If you need personal financial advice make an appoint to meet with Luke and don’t be afraid to chase your accountant with your questions around tax deductions and tax planning before June 30!

                  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 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.  


                  16 min
                • Luke on 2CC – Super Splitting: What is it? Why would you do it?

                  Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 June 2025. The topic for this week is: The Super Splitting Strategy and the end of financial year. In this episode Luke takes a deep dive into the strategy exploring how super splitting works and the situations you might consider using the strategy to help you reach your goals. With the end of financial year fast approaching, now is the time to consider this strategy for this financial year and for the next one too. 

                  Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

                  Key topics covered include:

                  • What is the super splitting? 
                  • What is the maximum amount of super concessional contributions you can split with your partner each year?
                  • What types of super contributions are concessional contributions (also called deductible contributions)?
                  • Can you use the catch up concessional contribution rules to split even more super? Yes you can!
                  • Why is it a useful strategy if you’ve married well?
                  • Why is it useful to super split to the older partner? Both partners might be able to pay off debt and retire sooner!
                  • Why is it a useful strategy to get your super balance down given the Total Super Balance rules?
                  • When do you split super?
                  • Does it stop my partner have the ability to make super contributions themselves if I super split?
                  • What happens to my split super if I was to get divorced?
                  • Can you use the transition to retirement rules with super splitting? Yes you can stack strategies!
                  • What do you need to do to split your super with your partner?
                  • Remember paperwork does take time to process so don’t leave it to the last minute as super funds get busy at the end of the financial year.
                  • Luke shares his top tips to think about when splitting your superannuation.
                  • https://www.envisionfinancial.com.au/wp-content/uploads/2025/06/The-Strategy-Stacker-Luke-Talks-Money-06062025.mp3

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

                    Do you need help with the super splitting strategy to help you reach your goals sooner?
                    Super splitting can help you both reach your goals sooner, but like all things super and retirement related, it can be complicated and costly if you get it wrong. Make an appointment to meet with Luke if you need personal financial planning 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 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.  


                    16 min
                  • Luke on 2CC – Transition to retirement options: Pay off your mortgage or contribute to super with tax free money!

                    Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 30 May 2025. The topic for this week is: What are your transition to retirement options? What goals can the strategy help you achieve? With the end of year now just a weeks away, now is the time to get your planning sorted, like accessing your super while you’re still working if you’ve reached your preservation age (usually 60).

                    Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

                    Key topics covered include:

                    • What is a transition to retirement pension?
                    • How can you use it to fund a contribution to super this financial year (or next)? 
                    • How much of your super balance can you start a transition to retirement pension? 
                    • Do you pay tax withdrawing money from super? No! 
                    • Can you add it back into super and claim it as a tax deduction? 
                    • What else can you use the money for? Do you have a mortgage that needs paying off?
                    • Transition to retirement provides opportunities while you’re still working – even if you’re working full time!
                    • How often do you need to a payment from a transition to retirement account?
                    • How do you use it to reduce your working hours and supplement your income?
                    • Why is it important to keep a super account open, when you start a transition to retirement account?
                    • Can you start a transition to retirement pension if you’re in a defined benefit fund like CSS?
                    • How is your money invested in a transition to retirement account?
                    • Remember it’s a busy time of year for super funds so don’t leave your end of financial planning to the last minute!
                    • Luke shares his top tips to think about when approaching the transition to retirement strategy. 
                    • https://www.envisionfinancial.com.au/wp-content/uploads/2025/06/The-Strategy-Stacker-Luke-Talks-Money-30052025.mp3

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

                      Do you need help with end of financial year planning including your transition to retirement options?
                      Transition to retirement isn’t just about reducing your hours of work. You may also be able to use it to pay off your mortgage or make a tax deductible contribution back into your super account. Make an appointment to meet with Luke if you need assistance.

                      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 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
                    • Luke on 2CC – What is a ‘Notice of intent’ and why do you need it?

                      Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 23 May 2025. The topic for this week is: How do you get a deduction for a super contribution and what is a ‘Notice of Intent”?. This topic follows on from last weeks show which explored the difference between a deductible contribution to super and a non deductible contribution to super. With the end of year just a month away, now is the time to get your super sorted and make a personal deductible contribution if you’re looking to claim a tax deduction for this financial year. 

                      Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

                      Key topics covered include:

                      • What is a personal deduction to super
                      • How much can you put into super, and get a tax deduction?
                      • What is a notice of intent?
                      • How do you complete a notice of intent?
                      • Once you’ve completed the notice of intent, send it to the super fund where you’ve made your personal contribution
                      • Should I keep the confirmation from your super fund? Yes, especially if the tax office asks  for proof!
                      • Can I claim a partial tax deduction for super contributions I’ve made?
                      • If I make more than one contribution to super over the year, do I need multiple notice of intent forms?
                      • What’s the benefit of saving super into a mortgage offset account and making a contribution to super before the EOFY?
                      • Luke shares the steps you need to complete to make a contribution to super and claim a tax deduction.
                      • https://www.envisionfinancial.com.au/wp-content/uploads/2025/05/The-Strategy-Stacker-Luke-Talks-Money-23052025.mp3

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

                        Do you need help with end of financial year planning – the details do matter!
                        The end if financial year is just 4 weeks away. Now is the time to make personal contributions to super and if you’re looking to claim a tax deduction, don’t forget your notice of intent. Super and retirement planning can be complicated. 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 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

                      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…

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