OTG Capital - Blog

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

Super Dependents - Dollars & Making Sense 31 Mar 2026

Tue, 31 Mar 2026 09:00:00 +1100

Stuart Sheary, subject matter expert from IFPA (Institute of Financial Professionals of Australia) joins us as we start navigating through some major changes in our superannuation system. Much vaunted since compulsory super came in 30+ years ago, it can get increasingly complex. Determining who can and can't be paid a death benefit and what tax may apply is a subject of many assumptions and incorrect information. This week we seek to inform, educate and hopefully untangle some preconceptions surrounding what happens when a family member dies, and the estate and super are part of the settlement. Nasty tax bills could arise if you're not careful or informed.

@FMRNB

@Radio Northern Beaches

International Women's Day - Dollars & Making Sense 24 Mar 2026

Tue, 24 Mar 2026 09:00:00 +1100

With International Women's Day being recently celebrated, we welcome back long time contributor to the show, Philippa Hunt from Wise Girls Money. We're discussing progress in women's financial literacy, education and the continuing trend of independent women striking out on their own, despite some pop culture media suggesting directions should be the opposite. FutureFund2 gets a revisit as well as the outreach program Philippa has done with Queen Chilenga in Kalgoorie. A show not to be missed no matter what.

@FMRNB

@Radio Northern Beaches

Aged Pension 1.01 - Dollars & Making Sense 17 Mar 2026

Tue, 17 Mar 2026 09:00:00 +1100

There are many misconceptions about the Aged Pension, who can access it, who is entitled to it, and what are the rules that surround applying for, and getting the Aged Pension. This week, we welcome back Justin Bott, Media Information Officer from Services Australia, (better known as Centrelink). Justin is a wealth of information and guides us through what "deeming" is, the income and assets means test and how it can impact what you do or don't get paid as part of your entitlements. The Services Australia website is a wealth of information as is the government's Financial Information Service.

@FMRNB

@Radio Northern Beaches

Reverse Mortgages - Dollars & Making Sense 10 Mar 2026

Tue, 10 Mar 2026 09:00:00 +1100

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

Travelling Pensioners - Dollars & Making Sense 3 Mar 2026

Tue, 03 Mar 2026 09:00:00 +1100

Justin Bott from Services Australia joins us to work through a range of potential options that pensioners might consider when they embark on their travels, whether that be for 1 week or 52 weeks or more, domestically or internationally. There are many things to consider, and Justin makes it nice and easy to understand

@FMRNB

@Radio Northern Beaches

Unclaimed Medicare Money - Dollars & Making Sense 24 Feb 2026

Tue, 24 Feb 2026 09:00:00 +1100

Justin Bott, Information Office from Services Australia (Centrelink) joins us again to work through free money. Yes, "free money", money that is yours but you've either forgotten to claim it, or forgotten about it. Unclaimed Medicare payments that total almost one quarter of a billion dollars. Tune in to find out whether you're missing out, and don't worry, there isn't a time limit, if the money is yours? it remains yours.

@FMRNB

@Radio Northern Beaches

Pensioners Making Money - Dollars & Making Sense 17 Feb 2026

Tue, 17 Feb 2026 09:00:00 +1100

This show is a repeat from earlier this year, we hope you enjoy it!

Stuart Sheary from IFPA (www.ifpa.com.au) joins us to work through a range of potential options that pensioners might consider to supplement their income. Not everyone has the comfort of a fully loaded super account, and Stuart's suggestions are well worth considering when a number of them won't impact Centrelink payments. Tune in and find out whether you (or your parents!), may be able to take advantage of these alternative income streams to supplement your living.

@FMRNB

@Radio Northern Beaches

Money Counselling - Dollars & Making Sense 10 Feb 2026 - Summer Series #9

Tue, 10 Feb 2026 09:00:00 +1100

This show is a repeat from earlier this year, we hope you enjoy it!

Its back to basics time. We're joined this week with Queen Chilenga from Money Fitness Hub based in Kalgoorlie, WA. Queen specialises in social work and supporting people in financial stress and those in need of the basics. Its not always about millions, sometimes its simply about making ends meet, and many in the community struggle with the basics. We work through some of the challenges of delivering support services in this space, and the basics of good money management. Queen is doing some excellent work and her website https://moneyfitnesshub.com.au/ is a great example of where people can make a start to financial health and less stress.

@FMRNB

@Radio Northern Beaches

Income Protection & Super Pt 4 - Dollars & Making Sense - 3 Feb 2026 - Summer Series #8

Tue, 03 Feb 2026 09:00:00 +1100

This show is a repeat from earlier this year, we hope you enjoy it!

In our final installment on life cover inside superannuation, Natasha Panagis from IFPA elaborates on the detail of temporary incapacity and how that varies with the other types of life cover in previous episodes. There are tax benefits and tips & traps to be aware of, tune in to find out why this form of cover is increasingly important for those needing to ensure continuity of earnings. This wraps up and brings together an important element of how super not only saves for your retirement, yet also can incapsulate insuring your most important asset - You!

@FMRNB

@Radio Northern Beaches