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A letter arrives from the ATO headed “excess contributions determination”. It sets out an amount, offers you a choice, and gives you 60 days. Most
The ATO put Australia’s superannuation guarantee gap at $6.2 billion for 2022-23. That is money employers were legally required to pay into employees’ super accounts
Someone with $2.3 million already in superannuation cannot make a non-concessional contribution at all. Their cap is nil. The same person, selling a business they
The bring-forward rule lets someone under 75 put up to $390,000 into superannuation in a single year, after tax, in the 2026-27 financial year. It
The renewal notice arrives and the premium has gone up again. You are 63. You are paying roughly six times what you paid at 45
Two people build a business together over fifteen years. One of them dies on a Tuesday. By Friday, the surviving owner is in business with
Six years ago you saw your GP a handful of times about work stress. You were given a mental health treatment plan, saw a psychologist
Two people each earn $130,000. One is a quantity surveyor who spends her days in an office and occasionally visits sites. The other is a
A 44 year old takes eighteen months out of work to care for a parent. No salary, so no employer contributions land in her super.
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