OTG Capital - Blog #government policyOTG Capital - Blog #government policyhttps://www.otgcapital.com.au/blogs/tag/government-policyWed, 15 Apr 2026 11:09:09 +1000http://zoho.com/sites/<![CDATA[Unrealised Gains in Super - Dollars & Making Sense 16 Dec 2025 - Summer Series #1]]>https://www.otgcapital.com.au/blogs/post/unrealised-gains-in-super-dollars-making-sense-16-dec-2025-summer-series-1Not 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.]]>
choosing an adviser
This show is a repeat from earlier this year, we hope you enjoy it!
After 2 years and more of political turmoil and much debate, the government has changed its mind on taxing unrealised gains in Super and introduced some taxation tiers as well.  We're joined by Natasha Panagis, subject matter expert from the Institute of Financial Professionals Australia (www.ifpa.com.au) to work through the details of what's changed and the impact.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 16 Dec 2025 09:00:00 +1100<![CDATA[Unrealised Gains in Super - Dollars & Making Sense 2 Dec 2025]]>https://www.otgcapital.com.au/blogs/post/unrealised-gains-in-super-dollars-making-sense-2-dec-2025Not 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.]]>
choosing an adviser
After 2 years and more of political turmoil and much debate, the government has changed its mind on taxing unrealised gains in Super and introduced some taxation tiers as well.  We're joined by Natasha Panagis, subject matter expert from the Institute of Financial Professionals Australia (www.ifpa.com.au) to work through the details of what's changed and the impact.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 02 Dec 2025 09:00:00 +1100<![CDATA[Super NCC Caps Pt 2 - Dollars & Making Sense 4 Nov 2025]]>https://www.otgcapital.com.au/blogs/post/super-cc-caps-pt-2-dollars-making-sense-28-oct-2025part 2 of what is the difference between non-concessional contributions and concessional contributions in our superannuation system. Natasha Panagis knows what she's talking about, so tune in to find out if for any range of reasons you over contribute without even knowing it.]]>
choosing an adviser
This week, we follow up with part 2 of what is the difference between non-concessional contributions and concessional contributions in our superannuation system.  Natasha Panagis knows what she's talking about, so tune in to find out if for any range of reasons you over contribute without even knowing it.  This is important stuff for your retirement planning.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 04 Nov 2025 09:03:00 +1100<![CDATA[Super CC Caps Pt 1 - Dollars & Making Sense 21 Oct 2025]]>https://www.otgcapital.com.au/blogs/post/super-ncc-caps-dollars-making-sense-14-oct-2025_copyWhat is the difference between NCC & CC contributions in our superannuation system? This week, Natasha Panagis, subject matter expert from IFPA (www.ifpa.com.au) joins us to discuss the differences and what happens if you exceed the limits in place. Its not all bad news!]]>
choosing an adviser
What is the difference between non-concessional contributions and concessional contributions in our superannuation system?  This week, Natasha Panagis, subject matter expert from IFPA (www.ifpa.com.au) joins us to discuss the differences and what happens if you exceed the limits in place.  Its not all bad news!  So tune in to find out what's going on, in this important part of your retirement planning.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 21 Oct 2025 21:00:00 +1100<![CDATA[Notifiable Events & Payments - Dollars & Making Sense 24 June 2025]]>https://www.otgcapital.com.au/blogs/post/notifiable-events-payments-dollars-making-sense-24-june-2025Y'ou'll enjoy this interview and remember the golden 14 day rule to inform whenever something changes. And if youre not sure? Notify early and notify often!]]>
choosing an adviser
If you're getting payments from Services Australia, its part of your responsibilities to let them know when things change.  It may surprise you, but the government don't monitor everything you do, and no, they can't read your minds either.  We welcome back Justin Bott, Community Information Officer to assist in explaining what needs to be done to ensure you continue to get the right rate of payments and no surprises.  You'll enjoy this interview and remember the golden 14 day rule to inform whenever something changes.  And if youre not sure?  Notify early and notify often!

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 24 Jun 2025 09:00:00 +1000<![CDATA[Concession Cards & Travel - Dollars & Making Sense 18 Feb 2025]]>https://www.otgcapital.com.au/blogs/post/concession-cards-travel-dollars-making-sense-18-feb-2025The Concession Health Card is widely available to all taxpayers irrespectively of age and in many cases with very generous limits.  Tune in to be surprised and how you need to apply for this card.  One of the many services available to all taxpayers that helps with day to day living expenses.]]>
choosing an adviser

Justin Bott from Services Australia here again to illuminate us on a government concession card that is widely misunderstood, and as a result, widely not used.  The Concession Health Card is widely available to all taxpayers irrespectively of age and in many cases with very generous limits.  Tune in to be surprised and how you need to apply for this card.  One of the many services available to all taxpayers that helps with day to day living expenses.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 18 Feb 2025 09:00:00 +1100<![CDATA[Summer #6 - Prenuptual Agreements - Dollars & Making Sense 21 Jan 2025]]>https://www.otgcapital.com.au/blogs/post/summer-6-prenuptual-agreements-dollars-making-sense-21-jan-2025For many contemplating remarrying, the thought of losing assets or long-held family properties is too much to countenance. Pre-nuptual Agreements are often talked about in movies,]]>
choosing an adviser
Welcome to our Summer Series of archive blogs from the past year.  We'll be featuring our favourite shows from 2024 until we return in Feb'2025.  Thanks for watching/listening.
For many contemplating remarrying, the thought of losing assets or long-held family properties is too much to countenance.  Pre-nuptual Agreements are often talked about in movies, so today we continue our discussion with Ian McLeod from RP Emery Legal Documents about how these binding financial agreements work.  A discussion that clears up some old myths and provides some clarity in an often misunderstood area of the law.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 21 Jan 2025 10:24:00 +1100<![CDATA[Election Cycles, Conference - Dollars & Making Sense 26 Nov 2024]]>https://www.otgcapital.com.au/blogs/post/election-cycles-conference-dollars-making-sense-12-nov-2024It is topical to discuss the upcoming election cycle, and what's going to matter to politician and members alike. With superannuation, advice fees and taxes on unrealised gains on the agenda, there's sure to be some hot discussions and possibly tempers as well.]]>
choosing an adviser
We welcome back Peter Johnston, Executive Director of the Association of Independently Owned Financial Professionals (www.aiofp.net.au) and given the association's annual conference in Canberra at the end of November, it is topical to discuss the upcoming election cycle, and what's going to matter to politician and members alike.  With superannuation, advice fees and taxes on unrealised gains on the agenda, there's sure to be some hot discussions and possibly tempers as well.  PJ will discuss this inside skinny on who's who in the avenues of power.

@FMRNB

@Radio Northern Beaches                                                                                               

https://spotifycreators-web.app.link/e/4hpfJHmnCOb
]]>Tue, 26 Nov 2024 09:00:00 +1100<![CDATA[Pension & Work Bonus - Dollars & Making Sense 12 Nov 2024]]>https://www.otgcapital.com.au/blogs/post/pension-work-bonus-dollars-making-sense-12-nov-2024Help all of us get up to speed on Pension Income Tests and the Work Bonus. The new Work Bonus also provides a great incentive for those who have reached retirement, yet still wish to work.]]>
choosing an adviser
Justin Bott from Services Australia joins us this week to help all of us get up to speed on Pension Income Tests and the Work Bonus.  You'll be quite surprised how much income you can actually make before it starts impacting your Age Pension.  The new Work Bonus also provides a great incentive for those who have reached retirement, yet still wish to work.  Check it out on Dollars & Making Sense.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 12 Nov 2024 09:00:00 +1100<![CDATA[What is Super NOT for - Dollars & Making Sense 29 Oct 2024]]>https://www.otgcapital.com.au/blogs/post/what-is-super-not-for-dollars-making-sense-29-oct-2024What is super NOT for? Great question, so let's hear some great answers from Michelle Griffiths of TAG Financial Services]]>
choosing an adviser
Most of us have a good idea what our superannuation is for.  Today, we're welcoming a new guest to our show, Michelle Griffiths from TAG Financial Services, a financial planner and chartered accountant.  There are many misconceptions in the marketplace about what super is and is NOT for.  This unfortunately includes too many politicians who've decided that the nation's retirement piggy bank is too big a target to not at least have a discussion about it.  Find out what super is designed for here on Dollars & Making Sense.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 29 Oct 2024 09:00:00 +1100