OTG Capital - Blog #superannuation

Life Cover Inside Super - Dollars & Making Sense 30 Jun 2026

Tue, 30 Jun 2026 09:00:00 +1000

While Australia's superannuation retirement system is the envy of many countries around the world, so many Australians are still not aware of what is available as standard offerings within their super funds. Today we explore the various components of Life Insurance cover within superannuation funds, and what's under the hood. This includes death cover, terminal illness, temporary or permanent disability as well as income protection. Today's episode is the "keep it simple" KISS version, and we have Lisa Saliba, Chief Marketing & Customer Officer from MetLife Australia to help understand what's available, and what we should be doing as a starting point on this very important part of your financial well being.

@FMRNB

@Radio Northern Beaches

When to Retire - Dollars & Making Sense 16 Jun 2026

Mon, 22 Jun 2026 10:48:52 +1000

Understanding retirement age is rather important. Is it 60, 65 or 67? or none of the above? Justin Bott from Services Australia joins us to discuss some interesting considerations when deciding on when to retire. Money is just a small part of the equation, albeit important! We need to consider aspiration, health, finances, super, retirement aims, and what to do with the nest egg you've been planning for all your life. Now its time to spend it all - but can we? Tune in to find out what are some of the many considerations of when is the right time to retire - or maybe not retire at all?

@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

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

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

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

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