OTG Capital - BlogOTG Capital - Bloghttps://www.otgcapital.com.au/blogsFri, 29 May 2026 11:57:34 +1000http://zoho.com/sites/<![CDATA[Australian Shareholders Association - Dollars & Making Sense 26 May 2026]]>https://www.otgcapital.com.au/blogs/post/australian-shareholders-association-dollars-making-sense-26-may-2026We chat to Rachel Waterhouse of the ASA about what's happening in the listed world of investments]]>
choosing an adviser
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                                                                                               

]]>Tue, 26 May 2026 09:00:00 +1000<![CDATA[Super Gender Gap - Dollars & Making Sense 9 Jun 2026]]>https://www.otgcapital.com.au/blogs/post/super-gender-gap-dollars-making-sense-19-may-2026Why are women retiring with less super than men? Tune in to find out what to do about it]]>
choosing an adviser
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                                                                                               

]]>Tue, 19 May 2026 09:00:00 +1000<![CDATA[Timing Super Part 2 - Dollars & Making Sense 12 May 2026]]>https://www.otgcapital.com.au/blogs/post/timing-super-part-2-dollars-making-sense-12-may-2026Payday super, SMSF laws and ATO crackdown and new caps in place, tune in, lots to learn]]>
choosing an adviser
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                                                                                               

]]>Tue, 12 May 2026 09:00:00 +1000<![CDATA[Timing Super - Dollars & Making Sense 5 May 2026]]>https://www.otgcapital.com.au/blogs/post/timing-super-dollars-making-sense-5-may-2026Payday super, SMSF laws and ATO crackdown and new caps in place, tune in, lots to learn]]>
choosing an adviser
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                                                                                               

]]>Wed, 06 May 2026 14:49:08 +1000<![CDATA[Reverse Mortgages - Dollars & Making Sense 28 Apr 2026]]>https://www.otgcapital.com.au/blogs/post/reverse-mortgages-dollars-making-sense-28-apr-2026Learn all about Reverse Mortgages from Centrelink & Services Australia]]>
choosing an adviser
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                                                                                               

]]>Tue, 28 Apr 2026 09:00:00 +1000<![CDATA[Super Changes Part 2 - Dollars & Making Sense 21 Apr 2026]]>https://www.otgcapital.com.au/blogs/post/super-changes-part-2-dollars-making-sense-21-apr-2026Payday super, SMSF laws and ATO crackdown and new caps in place, tune in, lots to learn]]>
choosing an adviser
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                                                                                               

]]>Tue, 21 Apr 2026 09:00:00 +1000<![CDATA[Div296 Timing is Everything - Dollars & Making Sense 14 Apr 2026]]>https://www.otgcapital.com.au/blogs/post/div296-timing-is-everything-dollars-making-sense-14-apr-2026when it comes to Div296 changes, sometimes doing nothing is the right choice, and timing is everything, tune in to learn more from Michelle Griffiths of TAG Financial Services]]>
choosing an adviser
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                                                                                               

]]>Tue, 14 Apr 2026 09:00:00 +1000<![CDATA[Super Changes Part 1 - Dollars & Making Sense 7 Apr 2026]]>https://www.otgcapital.com.au/blogs/post/super-changes-part-1-dollars-making-sense-7-apr-2026Super changes, div 296, payday super and more, tune in!]]>
choosing an adviser
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                                                                                               

]]>Tue, 07 Apr 2026 09:00:00 +1000<![CDATA[Super Dependents - Dollars & Making Sense 31 Mar 2026]]>https://www.otgcapital.com.au/blogs/post/super-dependents-dollars-making-sense-31-mar-2026there is a difference between superannuation dependents and tax dependents - tune in to find out]]>
choosing an adviser
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                                                                                               

]]>Tue, 31 Mar 2026 09:00:00 +1100<![CDATA[International Women's Day - Dollars & Making Sense 24 Mar 2026]]>https://www.otgcapital.com.au/blogs/post/international-women-s-day-dollars-making-sense-24-mar-2026Philippa Hunt & international women's day commentary]]>
choosing an adviser
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                                                                                               

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