OTG Capital - Blog by Ray Trevisan

Centrepay & Good Shep - Dollars & Making Sense 9 Jun 2026

Tue, 09 Jun 2026 09:00:00 +1000

Justin Bott, media information officer from Services Australia is back with us and covering off information that is brand new to me and possibly many others out there. There is a budgeting and cash management tool available for all Services Australia payments recipients called Centrepay https://www.servicesaustralia.gov.au/centrepay - tune in to find out how this free service provides recipient easy to use payment structures to better manage ongoing payments like rent, utilities and other regular payments. And for emergency situations, Good Shep - a not-for-profit charity is there is support those in need with interest free loans and ongoing support - what a great service! https://goodshep.org.au/

@FMRNB

@Radio Northern Beaches

CGT Changes Budget 2026 - Dollars & Making Sense 2 Jun 2026

Tue, 02 Jun 2026 09:00:00 +1000

Kirk Wilson, subject matter expert from the Institute of Financial Professionals of Australia (www.ifpa.com.au) joins us to work through the myriad of changes introduced in this year's Federal budget surrounding Capital Gains Tax (CGT). Bringing down some of the most dramatic changes in tax law pertaining to capital gains and housing policy in probably 25 years. Kirk provides an interesting view on the details of the changes while also ensuring we understand these changes are yet to be legislated, and subject to much consultation and conjecture before it becomes L A W law between now and July 2027 when the majority of these changes are slated to come in.

@FMRNB

@Radio Northern Beaches

Australian Shareholders Association - Dollars & Making Sense 26 May 2026

Tue, 26 May 2026 09:00:00 +1000

Rachel Waterhouse, CEO of the ASA was last on the show in 2023. Much has happened since then, and it has been too long since we've caught up with what's happened in that time. Shareholder advocacy, community investor groups, ongoing financial education are all part of the ASA delivers to its members. Rachel rejoins us to refresh this information and also catch up on new online initiatives to engage with younger investors and the growing cadre of those interested in digital assets and how best to consider their next moves. Never a dull moment when you're engaging with Australian listed companies, here on Dollars & Making Sense. Check ASA out at https://www.australianshareholders.com.au/ .

@FMRNB

@Radio Northern Beaches

Super Gender Gap - Dollars & Making Sense 9 Jun 2026

Tue, 19 May 2026 09:00:00 +1000

Jen Richardson is a Newcastle based accountant, former financial planner who has a passion for educating those who need help in money, budgeting and finance. Now being an accountant doesn't always mean you know a lot about making money. Jen explains some of the poorest money managers she's ever met were accountants!! This show, we're discussing the ongoing dilemma of the gap in super balances between men & women, and what can be done about it. In 2021, KPMG released a study, and 5 years on this is updated. We look at Jen's blog www.jenrichardson.co and specifically an excellent article on understanding why women in Australia retire with less super. https://jenrichardson.co/why-women-retire-with-less-super-in-australia/

@FMRNB

@Radio Northern Beaches

Timing Super Part 2 - Dollars & Making Sense 12 May 2026

Tue, 12 May 2026 09:00:00 +1000

We continue our series on timing your superannuation contributions with Stuart Sheary from the Institute of Financial Professionals of Australia (www.ifpa.com.au). This week we pick up on last week's theme and continue to discuss reversionary pensions, contribution strategies and ensuring you don't pay any more tax than you need to. This includes Div 296 and Div 293 considerations and ensuring your once in a lifetime Downsizer Contribution has the best "bang for buck".

@FMRNB

@Radio Northern Beaches

Timing Super - Dollars & Making Sense 5 May 2026

Wed, 06 May 2026 14:49:08 +1000

Stuart Sheary from the Institute of Financial Professionals of Australia (www.ifpa.com.au) joins us for part 1 of a 2 part series on how to develop a contribution strategy for your concessional and non-concessional contributions for your super, and why timings these contributions will become increasingly important. Why? Because indexation and higher inflation is raising limits for your balance caps almost yearly, and knowing when to and when NOT to contribute could save you thousands in tax.

@FMRNB

@Radio Northern Beaches

Reverse Mortgages - Dollars & Making Sense 28 Apr 2026

Tue, 28 Apr 2026 09:00:00 +1000

This week, Justin Bott, Media Information Office from Services Australia (also known as Centrelink) comes on to discuss the pros and cons of reverse mortgages. For many that have all their assets tied up in the family home, this could be a valuable way to unlock much needed cash flow. But buyer beware, there are many traps as well as benefits. We also discuss for those of pension age, the government offering in reverse mortgages could be just what is required. As always, contact a professional adviser if you're not sure, and just in case.

@FMRNB

@Radio Northern Beaches

Super Changes Part 2 - Dollars & Making Sense 21 Apr 2026

Tue, 21 Apr 2026 09:00:00 +1000

Natasha Panagis, superannuation expert for IFPA (www.ifpa.com.au) joins me this week to work through an expansive show in the second part covering the major changes happening in our superannuation system. Part 2 will cover changes in SMSF compliance, changes in contribution caps for CCs and NCCs, and Payday Super changes, updates in how we get our workers better off with super guarantees being paid at the same time as their normal pay.

@FMRNB

@Radio Northern Beaches

Div296 Timing is Everything - Dollars & Making Sense 14 Apr 2026

Tue, 14 Apr 2026 09:00:00 +1000

Michelle Griffiths, a CPA and a FP rolled into one, a rare gem, and we're pleased to have her on the show discussing some nuance around the new Div296 legislation coming into play from 1 July 2026. Natasha and Stuart from IFPA have explained the facts, now we have a different perspective from Michelle on timing. To do nothing sometimes is the best strategy - if you know what the strategy should be. This week, we delve into some aspects on when to act with regard to super balances that need attention as a result of the upcoming laws. Not to be missed, on Dollars & Making Sense.

@FMRNB

@Radio Northern Beaches

Super Changes Part 1 - Dollars & Making Sense 7 Apr 2026

Tue, 07 Apr 2026 09:00:00 +1000

Natasha Panagis, superannuation expert for IFPA (www.ifpa.com.au) joins me this week to work through an expansive show in 2 parts covering the major changes happening in our superannuation system. Part 1 will cover changes in Div 296 (I told you they wouldn't tax unrealised gains!) for super balances at $3m and $10m with some excellent examples of what the Div 296 will actually impact. Its nowhere near as bad as the pundits and scaremongers would have you think.

Natasha's slides can be downloaded from this link.

@FMRNB

@Radio Northern Beaches