OTG Capital - Blog #superannuation

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

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

Lost Super - Dollars & Making Sense 27 Jan 2026 - Summer Series #7

Tue, 27 Jan 2026 09:00:00 +1100

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

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. We cover off easy ones like lost superannuation sitting in too many accounts that you've lost track of, through to old banks accounts, investments you no longer thought you had, and the hidden one that surprises? 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

Life Cover inside Super (TPD) pt 3 - Dollars & Making Sense 20 Jan 2026 - Summer Series #6

Tue, 20 Jan 2026 09:00:00 +1100

We continue our series on life insurance in superannuation with Natasha Panagis from the Institute of Financial Professionals of Australia (ifpa.com.au) as she joins us for part 3 of a 4 part series on life insurance cover inside superannuation. Today we're discussing TPD, temporary & permanent disability cover. The big conundrum of any versus own occupation cover and what is and is not allowable within your superannuation policy. Definitions can be important, all on Dollars & Making Sense.

@FMRNB

@Radio Northern Beaches

Terminal Illness & Super Pt 2- Dollars & Making Sense 6 Jan 2026 - Summer Series #4

Tue, 06 Jan 2026 09:00:00 +1100

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

We continue our series on life insurance in superannuation with Natasha Panagis from the Institute of Financial Professionals of Australia (ifpa.com.au) as she joins us for part 2 of a 4 part series on life insurance cover inside superannuation. Today we're discussing terminal illness cover and what constitutes correct conditions of release for APRA funds as well as SMSFs. What are the implications if you're terminally ill, all on Dollars & Making Sense.

@FMRNB

@Radio Northern Beaches

Unrealised Gains in Super - Dollars & Making Sense 16 Dec 2025 - Summer Series #1

Tue, 16 Dec 2025 09:00:00 +1100

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

Unrealised Gains in Super - Dollars & Making Sense 2 Dec 2025

Tue, 02 Dec 2025 09:00:00 +1100

@FMRNB

@Radio Northern Beaches