Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 28 February 2025. The topic for this week is: The Gearing Strategy. You might have heard about it through residential property investment but did you know that there are 3 key ways gearing can work when investing? In this episode Luke explores these 3 ways and some of the important issues you might consider when using the gearing strategy to help you grow your investments. Of course gearing doesn’t come without risk, so as always, seek advice if you need help. 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 gearing? What are the three key ways you can go about gearing and how do they work? Gear an investment against a home or investment property Gear against a margin loan (also called margin lending) Gear using an investment asset that is internally geared (that is, it’s managed within the investment such as an Exchange Traded Fund or a Managed Fund) What is a margin call and what do you have to do when it happens? What is your asset allocation and why should you consider it when gearing? What time frame is appropriate for using a gearing strategy? What is your income profile and why does it matter? What is your true attitude towards risk? What is your loan to value ratio when using the gearing strategy? Luke shares his top issues to consider before you use a gearing strategy for your investment portfolio. https://www.envisionfinancial.com.au/wp-content/uploads/2025/03/The-Strategy-Stacker-Luke-Talks-Money-28022025.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Are you considering using the gearing strategy to help you grow your investment portfolio? There are 3 primary ways your can use gearing within your own investment portfolio. It’s important to remember though, the gearing strategy is not without risk. This means there are some important issues you should consider before using this investment strategy. Seek advice if you need help. Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, 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.…

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 21 February 2025. The topic for this week is: Misconceptions in 2025 – Common mistakes people make when managing their money. There is a lot of information around financial matters – but not all of it is correct. If you hear about a financial opportunity or tip, it’s essential to check it out properly from a reliable source before you take action. Luke explores some key misconceptions he’s been hearing this year to help you separate 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: If you hear a financial tip, check it out from a reliable source before you take action. You can’t add money to super once you’ve retired – that’s not correct, there are ways to get money in. Can you stop a pension once it is started to add an inheritance or additional monies? Yes you can! Catch-up contributions – misconceptions around the date you apply to be eligible to use this opportunity I’m in the PSS – I can’t make additional contributions to super – that’s not correct! Kids won’t pay take on your super if you pass away – that may not be correct, depending on their age Industry funds will allow you manage franking credits – that’s not correct! Self managed super funds are the most expensive – that’s not correct if your balance is higher I need to have ten to twenty thousand dollars to start investing – that’s not correct – you can start small My Will takes care of all my assets – that’s not correct for your superannuation, consider a binding nomination form A balance fund is not always balanced – check out your asset allocation, investment labels can’t always be trusted Your entire super fund is used to work out your asset test value for Centrelink – that’s not always correct if you have a younger partner! https://www.envisionfinancial.com.au/wp-content/uploads/2025/02/The-Strategy-Stacker-Luke-Talks-Money-21022025.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Do you need some financial planning advice to help you move forward with confidence? You’ll often hear financial planning tips from friends, family and sometimes even a taxi driver! Check out the information from a reliable source or seek advice before you make important financial decisions. Mistakes can be costly. 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.…

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 14 February 2025. The topic for this week is: How do use and select shares and Exchange Traded Funds (ETFs) in an investment portfolio? There is quite a bit to consider when you think about it deeply and it may pay dividends to seek advice and get professional assistance. Luke explores some key issues you should consider when exploring shares and ETFs. 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: Shares and ETFs can play an important part of your investment portfolio What should you consider when assessing different shares? Don’t forget to consider franking credits – either full or partial tax credits ETFs can also play an important part in your investment portfolio What should you consider when assessing different ETFs ETFs are very cost competitive – check the internal cost ratio of your super fund to see what you’re paying How is a Managed Fund different from an Exchange Traded Fund? Luke shares his key tips when considering shares and ETFs as part of your investments – including diversity! https://www.envisionfinancial.com.au/wp-content/uploads/2025/02/The-Strategy-Stacker-Luke-Talks-Money-14022025.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Do you need help to select and manage your investments? Shares and Exchange Traded Funds play an important role in an investment portfolio. But not all shares and ETFs are the same. It’s important to do your home work before you buy them. If you need assistance, make an appointment to speak 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.…

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 7 February 2025. The topic for this week is: Do kids pay tax on a super inheritance? Many people don’t realise that your kids may pay tax on a super inheritance. And while we apparently don’t have any death taxes in Australia, this superannuation tax sure behaves like it, albeit called by another name. Is there anything you can do about it? Luke explores some strategies, including the re-contribution strategy. 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 are the components of your super? If you’re over 60 super is tax free for you, but it might not be not be for your kids when you pass. What is a taxable component of super? What is a non-taxable component of super ? What is a dependent and a non-dependent child? How do you find out what your components are? What are the steps to solve this tax problem for non-dependent children? What are the benefits to using a new fund to re-contribute the withdrawn funds from. Luke shares his key tips when considering and managing this super and estate planning issue. https://www.envisionfinancial.com.au/wp-content/uploads/2025/02/The-Strategy-Stacker-Luke-Talks-Money-07022025.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Do you need help to manage your superannuation and retirement? While there is a way to manage tax for your kids on your super, through the re-contribution strategy, it can be complicated and take time to implement. 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 and Luke’s book Smart Money Strategy is out now.…

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 31 January 2025. The topic for this week is: How to use an in specie transfer to increase your super without using cash. Many people don’t realise that assets other than cash can be put into a super fund. This includes property and shares you hold in your own name. 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 an in specie transfer? Does this cause a tax event like the sale of an asset would? What types of assets can you transfer using an in specie transfer? Remember your contribution limits, ensuring you’re eligible to make a contribution. Can you claim a tax deduction for an in specie transfer into super? Timing could also play a part, it might be better to wait to you retire before you make the transfer How does capital gains tax work? Luke shares his tips around in specie transfers into super. https://www.envisionfinancial.com.au/wp-content/uploads/2025/02/The-Strategy-Stacker-Luke-Talks-Money-31012025.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Is an in specie transfer the right super strategy to help boost your retirement savings? In specie transfer allows you to move assets other than cash in to your super. Not all super funds offer this capability so check first! Remember to seek tax advice too as it may make or break the use of this strategy. 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 and Luke’s book Smart Money Strategy is out now.…

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 24 January 2025. The topic for this week is: How to start a transition to retirement pension? At the start of the year many people return to work and start thinking about their retirement planning. A transition to retirement strategy might be right for you if you’ve reached your preservation age (between 55 and 60, depending on when you were born). 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? Can I reduce my working hours and top up the rest from a pension from super? How do you access your benefits on a partial basis? How much can you take? What other reasons might you use the transition to retirement strategy? Can I take the money out tax free over if I’m over 60? Yes! Can I use the money to pay down debt? Yes! It’s a good time to consider the purpose of rental property if you have one too Can you top up your account with salary sacrifice as you continue to work and get a tax deduction? Can I still work full time and start a transition to retirement pension? Do all funds offer transition to retirement? Luke shares his tips around transition to retirement pensions. https://www.envisionfinancial.com.au/wp-content/uploads/2025/01/The-Strategy-Stacker-Luke-Talks-Money-24012025.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Do you need help to assess if a transition to retirement is right for you? A transition to retirement strategy can be used to help you achieve a number of different goals, including paying off debt and topping up your wage if you reduced your working hours. 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 situation. Luke will return to 2CC to talk about other ‘Money Matters’ next week – the final show of the year. 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 and Luke’s book Smart Money Strategy is out now.…

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 17 January 2025. The topic for this week is: The Total Super Balance – How much can you have? There is a limit and it impacts what and how you can contribute in additional savings for your retirement. Luke explores this topic as many Australians look to boost their super before retirement. 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 Total Super Balance? If you’ve exceeded it, you generally can’t put more money into super tax free. Don’t assume you can put contributions in tax free – check your balance! You can however still make deductible contributions to your super, the $30k a year limit applies (this includes employer and salary sacrifice contributions) The downsizer legislation provides one opportunity to add more to your super too, regardless of your Total Super Balance – that’s one way around it! Remember, Total Super Balance applies at the previous 30 June, not the date you seek to make your contribution How can you plan in regard to Total Super Balance? The Total Super Balance is not the same as the Transfer Balance Cap – how are they different? What strategies are around this that people may consider other than a downsizing contribution? Defined Benefit Member balances also have a recorded value towards your Total Super Balance – it applies to you too! Luke shares his tips around Total Super Balance and planning for retirement. https://www.envisionfinancial.com.au/wp-content/uploads/2025/01/The-Strategy-Stacker-Luke-Talks-Money-17012025.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Do you need help to navigate super and retirement planning? Superannuation can be complicated especially when you’re planning for retirement. There’s so much to consider around super rules, contribution limits and government benefits if you’re eligible. Make an appointment to get personal advice if you need assistance and plan your life after work with greater confidence. 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. 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 – the final show of the year. 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 and Luke’s book Smart Money Strategy is out now.…

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 10 January 2025. This is the first show of 2025 and Luke returns to the studio with Leon. The topic for this week is: New year resolutions – Set yourself up for success in 2025. The show offers some tips and tricks for getting started on your financial goals. 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: Having a resolution or plan is important Behaviour is also important – can you make a positive change so you don’t become discouraged Set goals that are realistic – smalls steps are a good way to start Don’t forget the benefits of compounding – time is your friend Are you making the most of your super to save? How much can you save every month? Set short-term goals and when you achieve them celebrate or reward yourself, multiple short-term goals become long-term goals over time. Make sure your family or partner is on board with your goals – get everyone rowing in the same direction! Use goals to and actions to pass on goals to your kids Luke shares his top tips to set yourself up for success in 2025. https://www.envisionfinancial.com.au/wp-content/uploads/2025/01/The-Strategy-Stacker-Luke-Talks-Money-10012025.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Do you need help to plan and achieve your 2025 goals? What do you want to do in 2025 financially? Invest more, get your super working harder or perhaps start planning your retirement? The new year is a great time to start making some financial goals and setting a plan to achieve them. Make an appointment if you need financial planning advice to achieve your 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. 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 – the final show of the year. 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 and Luke’s book Smart Money Strategy is out now.…

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 20 December 2024. This is the last show of 2024. Luke joins Nicole Overall this week as Leon takes well-deserved Christmas leave. The topic for this week is planning for the new 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 will happen in the US? Keep Trump in perspective – noise versus substance/reality Cost of living issues continue in Australia, but not all regions Social media can have a negative impact on your own financial planning reality Smart people plan for the rainy day and have good financial consistency Prioritise spending cuts in 2025 – Do a little something a little sooner Weakness in a financial market is an opportunity to buy What impact with the Australian Federal Election have? Why asset allocation remains important and re-balancing your position might be considered. The benefits of compounding interest remain, from little things big things grow Envision Financial closes for Christmas but will re-open 6 January 2025. https://www.envisionfinancial.com.au/wp-content/uploads/2025/01/The-Strategy-Stacker-Luke-Talks-Money-20122024.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Do you need help to plan for your 2025 goals? The New Year is a great time to reflect on the past year and consider goals for the next. Seek financial planning advice if you need help to explore your options. Make an appoitment 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. 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 – the final show of the year. 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 and Luke’s book Smart Money Strategy is out now.…

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 13 December 2024. Luke joins Leon Delaney in the studio to talk about super, retirement and in particular the Transfer Balance Cap. This is Leon’s final show for the year – Merry Christmas Leon! Luke will be joined by Nicole next Friday, just before Christmas. This week Luke provides a deep dive into the Transfer Balance Cap, which is the amount of money you can take from a pension tax free at retirement. It’s important to remember, if you exceed the cap, it’s not the end of the world and there might be some financial planning strategies which you still can consider. 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 Transfer Balance Cap and how much is it? Understanding how much you have in your super fund or funds is a good place to start. Which cap applies to me? The one in the year I started my pension from super, or the current cap which is indexed yearly? Am I entitled to increase my cap as the cap increases? Can I start a pension and keep some money in super to avoid going over the cap? Important: Your ability to contribute to super is not the Transfer Balance Cap! How does the defined benefit pension work within Transfer Balance Cap? Does the Transfer Balance Cap apply to a transition to retirement pension ? Can I still make tax deductible contributions to my super or a downsizer contribution ? Luke share’s his top tips for understanding and managing your Transfer Balance Cap. https://www.envisionfinancial.com.au/wp-content/uploads/2024/12/The-Strategy-Stacker-Luke-Talks-Money-13122024.mp3 Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’ Do you need help to navigate the cap and your own retirement? Everyone wants to enjoy tax free money from super in their retirement. Understanding the Transfer Balance Cap is essential in regard to your own situation. Seek financial planning advice with Luke if you need help to manage your super and retirement. 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. 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 – the final show of the year. 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 and Luke’s book Smart Money Strategy is out now.…